23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$0.00} Dispute Account Information Address XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type XXXX XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for XXXX  months
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate and incomplete information on my reports for over 1 year since XX/XX/2023. The credit reporting agencies has failed to do a proper re/investigation. This violates my consumer rights. As a consumer, I have the right to dispute any inaccurate information on my credit report, and the credit bureaus must investigate your disputes promptly. 

See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

USBank violated my appeal rights by not sending me my appeal rights after I did 5 disputes. Despite I asked one of the card member services managers to send me my appeal rights to challenge their outcome with XXXX, they didnt send me anything. Their letter has nothing about appeal rights. On late XXXX I called usbank to discuss a dispute with XXXX XXXX. I told them that by the way I had other disputes that I need to bring up. The credit card rep indicated to not worry because I had a year to bring up the dispute with usbank. She told me this on a recorded line. I believe it was XX/XX/XXXX or XXXX. Here is the problem I have : The bank is saying now that XXXX only allows 60 days to bring disputes. Usbank told me several times a year and then 120 days in follow up calls. They said the time is going to depend on the nature of the dispute. Here is the reason why I was not able to bring the disputes in 60 days : I had a contract with XXXX XXXX firm stating that I could not bring any fee dispute but through an ADR process or arbitration with the XXXX  XXXX XXXX. Since XXXX started charging me for things she didnt perform like not subpoena people, but charged me for them anyway or illegal recordings she didnt use but charged for, I needed to bring her charges up. She also started changing my fees at one point which is illegal. The XXXX XXXX XXXX give her months to respond. They also toke a long time before they bring up my desire to follow the contract and to have the fee mediation. They claimed that because of covid things were backlogged. I also was affected by XXXX and I was taking care of family member 's who unfortunately were also affected by XXXX. Usbank didn't care and they did not consider that XXXX XXXX violated her own contract. After I spend months to have the fee resolution process with her and the bar, she stated she didnt wanted to participate violating her own contract. I was forced to give her all of this time that I wasted because of our contract preventing me from speaking directly with the bank first. Again, I want to complain that usbank had never give me appeal rights violating my rights to get visa to look into the circumstances and clearly usbank not only violated my rights to have an appeal, but they also lied time on a recorded line about the time frames I had. The last thing that they did was to send me an insulting letter dated XX/XX/22 stating that if i didnt paid the dispute amounts which were reversed on the credit card that they were going to report me with the 3 credit agencies when I have never been late in any card payments and I had never stated that I was not going to fulfill my obligations or pay. I been a client of usbank for 12 years and I never once been late in a payment. I have excellent credit. Their letter content was simply treating and uncalled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I recieved a 30 days past due flag on XXXX. 
XX/XX/2023 - The bank confirmed that there was an clerical error on their end. The bank confirmed that they will be sending a negative retracting credit report letting out regarding there was an error with the bank. They would also send me a letter within 7-10 business days. 
XX/XX/2023 - The Branch Manager confirmed the payment issue was fixed and confirmed they would be sending the credit card company a negative retraction demand due to bank error. 
XX/XX/2023 - A call with the bank confirmed they are still working on sending a letter to me. 
XX/XX/2023 - The bank confirmed that the letter went out two days ago and would arrive in a few days. 
XX/XX/2023 - I called Comenity Bank to ask if they had received the letter from the bank. They confirmed they have NOT. I asked if they would accept an emailed copy or faxed copy. They instructed me to send a copy out to XXXX XXXX XXXX XXXX Ohio XXXX. 
An online dispute had been opened with XXXX. 
XXXX Letter sent to Comenity Bank . 
XXXX Recieved a notification that Dispute Results were Ready and there was no change. I called Comenity Bank at XXXX. The representative confirmed that the letter was received. The representative informed me that they will not remove the negative information off my credit report. I let her know there was a clerical bank error and that the bank sent in a letter. The represenatative stated that they would not remove the negative remark but would offer me a credit on the account for my inconviencence. I declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on XXXX, Experian, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.
Product: Credit card or prepaid card

I have 2 credit cards issued by Citibank, a Sears card and a Universal XXXX card that was originally issued by XXXX XXXX XXXX. I contacted Citibank 3 times on each card, attempting to close these account, both of which have a XXXX balance. They have yet to close these accounts, in fact I just received a " new '' card on the Sears account in the mail. It has become very frustrating trying to deal with this company - they intentionally hide links to close accounts and send consumers on a wild goose chase telling them they have to call a different number. I just got off the phone and this time they told me that the " new '' card I received today ( XXXX XXXX ) was sent to me on XXXX XXXX - 2 months in transit - I just can not swallow that. Citibank needs to be held accountable and when a consumer wishes to close an account, it should be easy to do so and completed in one call.
Product: Credit card

The Capital One 's 360 Performance Savings account which I opened in the early 2021 has falsely advertised its savings account as a high interest product with top tier rates which didn't match my accounts actual performance.
Product: Debt collection

This company is using auto dialer to repeat calling my cell phone that I never gave to them.They are illegally collecting on a debt that is not mines and the harrassment needs to stop.I am ordering them to cease and desist as of now. I have no idea who they are dis not give out my cell phone to be XXXX  by auto dialer I will sue if I need to.And will be showing an Fdcpa attorney there letter.I already had a cease letter with the original creditor and I will take steps to sue. I filed with ftc due to this auto dialer.This debt is not mine so stop the harrassment. I had been harrasses to much. Someone stole my person information and now im constantly dealing with bogus debt collectores so do not call me nor write to me or harrass me or I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need  this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Dear XXXX : I, XXXX, the consumer and natural person, was denied credit by XXXX XXXX  when I applied as Co-signer for the Amount {$12000.00}. 
Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act which his codified in 15 U.S.C. 1691 ( c ) and is pursuant to Civil Liability under 15 U.S.C 1692 ( K ). 
You are subject to criminal liability for violating 15 U.S. C. 1691 as I have proof that I was discriminated against by XXXX XXXX  and this CONSUMER TRANSACTION, has negatively and harmfully impacted my CONSUMER CREDIT REPORT. 
XXXX XXXX  is in violation of 15 U.S. Code 1642 USC 1681 ( m ) and 12 CFR 1002.2 ( 2 ) ( z ) because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number /credit card was used and I received NO benefit from this consumer transaction. This is proof of fraudulent activity under 15 USC 1602 ( p ) [ unauthorized of credit card ] on be behalf of XXXX XXXX. 
If your XXXX XXXX  fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card and negative inquiry placed on all credit bureaus ; I will indeed make XXXX XXXX  criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ). 
" Without prejudice, All Natural Inalienable Rights Reserved '' ( UCC 1-308 } Thank-you, XXXXX ( Agent/Beneficiary )
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA violations XXXX not my names XXXX XXXX FCRA violations : payments never late XXXX XXXX FCRA violations : accounts not mine XXXX XXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} Status Collection account. $ Overview XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF XXXX XXXX XXXX  Account Number XXXX XXXX Account Status CHARGE_OFF XXXX XXXX Account Type INSTALLMENT Creditor Classification Loan Type NOTE_LOAN Original Creditor Name Months Reviewed 20 Activity Designator Terms Frequency MONTHLY Term Duration 10 MONTHS Purchased From Sold To Balance and Amounts Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type UNSECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 13 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Wrong Date of Birth : NONE My Date of Birth is : XX/XX/year> XXXX Employers : - Wrong Employers XXXX : XXXX XXXX XXXX XXXX Employers XXXX : XXXX XXXX My employers is XXXX XXXX XXXX XXXX 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Date of Payment Processing Error : The late payments were reported incorrectly due to a processing delay by XXXX XXXX that resulted in the payment being recorded late, even though the payment was initiated on time.

Inconsistent Reporting Across Bureaus : The payment dates and statuses reported by TransUnion, XXXX, and XXXX are inconsistent, further indicating a discrepancy in the handling of my account information.

Evidence provided : Bank statements showing payment initiation dates. 
Payment confirmations from XXXX XXXX showing on-time payments. 
Correspondence with XXXX XXXX acknowledging the payment processing delay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I called the company many times and tried to dispute. I informed them that according to the FRCA, these unauthorized items must be removed.
Product: Money transfer, virtual currency, or money service

An online dog vendor, who claimed they were in XXXX, TX, claimed they were selling Chow Chow puppies, and used the name of XXXX XXXX, with phone number of XXXX, at email address XXXX. 
There were videos of the puppies for sale, which kind of made you suspicious to start with, but since my granddaughter was so focused on getting a dog, we went ahead with the transaction. 
I sent {$250.00} through PayPal, since they had purchase protection on the transaction, but they tried to get me to use XXXX, and I refused. 
I have alerted both my bank, where the funds have not been withdrawn as of yet, and PayPal, who had a protection program in place. 
The IP address of the perpetrator XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made every single one of my payments on time. XXXX  misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my TransUnion & XXXX  credit score which hasn't been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the unauthorized Inquiries I found in my reports. The following inquiries are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

someone has my information and they are able to misuse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to have Experian correct and stop it 's erroneous sharing of unlawful and outdated credit information. However Experian continues to stand by their erroneous behavior. Experian 's last offer of an explanation to my last Complaint claiming that they were unable to address the issues that were made in the Complaint because they were not specific. The initial Complaint outlined the problems/issues in detail and Experian fail to offer an explanation by providing me a copy of my Credit Report, which did not reflect what they were sharing with Creditors therefore I filed a second Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : Secured Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.