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

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX  has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve an issue with Lowes via credit bureau dispute and via phone. I believe Lowes is being negligent and lazy about their credit reporting and it is preventing me from getting a much needed loan.

The matter is that the Lowes account went delinquent in XX/XX/2015 and was sold to XXXX in XX/XX/2015. I settled with XXXX in XX/XX/2015 yet Lowes continues to report on my credit report every month and they are reporting a negative status. 

That practice is illegal and they by law have to fully investigate consumer claims. They are not doing that
Product: Debt collection

This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Product: Credit reporting or other personal consumer reports

These are the accounts I have marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a previous Lexington Law client and paid them for 5 years for service and my credit never increased. I was robbed and scammed of my hard earn money with lies and false promises.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax continues to incorrectly report the accounts listed as WORLD FIN, XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed
Product: Credit card or prepaid card

Received an American Express Mariott Bonvoy card without me requesting it never, nor I used ever in my life this hotel ( Mariott Bonvoy ) also I got notification by email that my request to open a card was approved ( XX/XX/XXXX ) and then when my card was delivered ( XX/XX/XXXX ) also an email notification. The card was sent by XXXX. I am attaching the photos.
Product: Debt collection

This is not a duplicate Congress Collections failed to follow the Notice to Cease and Desist Communication with me from all mediums as violating 15 U.S.C. 1692c. as I stated during my last complaint and my previous phone call. XXXX stated they couldnt identify me to my last complaint I then called and identified myself and told XXXX XXXX to notate my account as well to Cease all communications from all mediums and to date, they are still reporting. XXXX Any injury and damages I suffer from the negligent of this company will result in Federal Court as this is my last time trying to rectify this situation as are continuing to use my consumer report with extortionate means
Product: Student loan

I received a letter on XX/XX/year> from Sallie Mae that my account was placed in administrative forbearance for 60 days, no payments due while I complete the XXXX discharge paperwork as a XXXX Veteran they requested within 90 days of receiving the letter and the paperwork was attached. However, I kept receiving collection phonecalls and threatening emails that they were going to report me delinquent to the credit agencies. I called for a period of 2 weeks, to collections, escalation managers, and even the military department and was assured it would be corrected. However, on XX/XX/year> Sallie Mae reported me 30 days past due, then on XX/XX/year> 60days past due on my accounts. All 3 credit agencies are now reporting me delinquent 60 days for Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX****, XXXX XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX**** and XXXX XXXX XXXX****
Product: Money transfer, virtual currency, or money service

I had a cash app account that they closed and they could not tell me why after they refunded someone XXXX from my account This happened XXXX/23
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding my account with XXXX XXXX XXXX ( Account # XXXX ). The details reported by your bureau contain several errors that need to be corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 



Disputed Inaccuracies : XXXX. Incorrect Payment Status : Your records state that my account is 60 days past due with a past due balance of {$760.00}. However, Equifax correctly reports that the account is being paid as agreed with a {$0.00} past due balance. 

Correction Requested : Update my account status to reflect an accurate payment history and remove the incorrect past-due balance. 

XXXX. False Repossession Comments : TransUnion lists Repossession ; redeemed, and Equifax states Redeemed Repossession. However, this account was never officially repossessed or was fully reinstated without repossession. 

Correction Requested : Remove any reference to Repossession from the comments section. 

XXXX. Discrepancy in XXXX XXXX : My payment history contains inconsistencies across all three bureaus. While Experian marks some months as ( on-time ), TransUnion and Equifax mark XXXX months as ( late XXXX days ) when payments were actually made on time. 

Correction Requested : Ensure my payment history accurately reflects on-time payments across all reporting bureaus. 

XXXX. Inconsistent Reporting Dates : TransUnion and Experian list the Last Reported Date as XX/XX/year>, while Equifax lists it as XX/XX/year>. 

Correction Requested : Ensure the correct and uniform reporting date is reflected across all bureaus to prevent re-aging of this account.
Product: Credit reporting or other personal consumer reports

This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because Experian illegally Published /Furnished the 2 accounts listed below in violation of my privacy rights because FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions from the consumer ( ME ).

Additionally, FCRA Section 602 states I have a right to privacy. Therefore, I am very DISTRESSED that in response to my dispute regarding the 2 aforementioned Laws Experian VERIFIED each account!! I need to see exactly how the accounts were VERIFIED. In accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I am requesting ALL the records that reveal ALL the procedures used that led to the accounts to be verified. I also in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) want Experian to send me the name ( s ) of the person ( s ) you spoke with along with their Business Name, Address, and Telephone Number ( s ) within 15 Days which is also in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Experian results Report # XXXX XX/XX/year> XXXX ) XXXX XXXX Bank XXXX Verified ) XXXX ) XXXX XXXX XXXX XXXX Verified ) Send XXXX information that I request in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) or remove the ( 2 ) accounts due to lack of verification.

I did not give Experian written instructions or any type of Permission/Consent allowing Experian to Publish /Furnish the accounts.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX Account XXXX
Product: Credit card

I visited XXXX in XXXX. The cab company charged my card twice : Once for the correct amount of {$100.00}. There was a second charge for {$400.00}. They intentionally scammed me of that money. I opened a dispute and citi sent back saying it was a legitimate charge and closed the dispute. I called to get it reopened. Even though they said they would look into it, the case has not been reopened and still says customer is responsible for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two health insurances that pay XXXX of my medical bills.I 've had these insurance companies for more the 10 years one which is straight XXXX medical bills and emergency room visits paid XXXX  % and the other is XXXX XXXX XXXX XXXX.I have a XXXX co -pay I do not owe any medical bills to anyone. I DID NOT USE Their services nor do I owe Phoenix Financial any money nor HAVE I EVER used their services I have disputed these medical bills many times and they are still on my credit report...
Product: Bank account or service

Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. 

I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. 

After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. 

From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. 

I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. 

Thank you for your help looking into this case.
Product: Debt collection

I got a phone call from a courier service ( phone number XXXX ) who left a message that they are trying to serve me with papers for a judgment against me. In the message, they said if I wanted to find out more about this to call XXXX. I called that number and the person who answered said she was with XXXX and XXXX lawyers. She proceeded to tell me that I owed over XXXX to a company called CareCredit and that I owed it since 2012. Theyve been attempting to find me and serve me paper and I should have gotten papers in the mail telling me all about this. She was extremely rude and wanted me to verify all my information. I told her I wasnt comfortable doing that, but she wouldnt tell me anything until I verified at least my birthdate, which I did. I didnt verify my social or address with her although she told me the last XXXX of my social and my address. I did not refer either with her. Obviously I was upset. I called CareCredit ( XXXX Synchrony Bank ) to make sure this was a scam. A representative from CareCredit could not even find me in their system. They sent me to their bank recovery department and they couldnt find anything either. Their exact words were the account is satisfied and closed. So this is definitely a scam. 

Im worried because I verified my birthdate with her. Im also a XXXX XXXX survivor and my address is supposed to be protected, yet they knew I had moved almost a year ago. What, if anything, can I do so this doesnt happen again? Thank you!
Product: Debt collection

I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all 3 including XXXX XXXX and XXXX by Chrysler capital on a collection of an alleged debt, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. I demand that you delete these false reporting immediately off of all of my consumer reports, XXXX, XXXX, XXXX and also early warnings systems or I will also contact the sec the attorney general and pursue legal action and trail by jury
Product: Credit card

On XX/XX/XXXX I attempted a direct assistance program with USAA regarding account XXXX and was denied due to excessive debt obligations. 

I applied and was accepted to an independent debt management company, XXXX XXXX, in late XXXX. XXXX negotiated with USAA to enter me into a debt management program on account XXXX. 

On XX/XX/XXXX I received a letter stating my XXXX account had been closed based on an application/agreement to participate in an assistance program. 

On XX/XX/XXXX I received a letter stating I had been accepted into the assistance program. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

In a phone call during the month of XXXX, a USAA customer service representative verbally informed me that I would still receive late notices from USAA despite being in the debt assistance program, but I should disregard these. I continued to receive XXXX, XXXX, and XXXX notices. 

I have verified monthly statements from XXXX that payments at the agreed amount, {$210.00} ( monthly ) were sent for XXXX, XXXX, XXXX, and XXXX of XXXX. 

On a letter dated XX/XX/XXXX, which I did not see until XX/XX/XXXX, USAA notified me that account XXXX was being defaulted due to non-payment, despite the ongoing payments through the debt management program administered by XXXX. I am unable to verify payment receipt on USAA due to the account being removed from my customer portal. 

On XX/XX/XXXX I verified on my XXXX credit report that the XXXX account had been reported as in default. 

USAA has maladministered my account and failed to meet their obligations in the debt management program or participate in good faith. Their communications between departments handling the credit card and the debt management program are a known problem to USAA employees, as demonstrated by the customer service comments to me in XX/XX/XXXX. The willful failure of USAA to address these issues demonstrates their bad faith participation in handling of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This account has been inaccurately reporting. This account is reporting differently across all three credit bureaus, yet all three bureaus deem their information to be 100 % accurate. It is in fact impossible for all three credit bureaus to be correct. Payment History, Account Type, and All Lenders Contact Information both Address & Phone Number are reporting differently on this account. I demand that this inaccurate account be removed from my consumer report immediately upon notice of this dispute, as it is my right as a consumer to receive accurate reporting. 

I am aware of XXXX XXXX previous lawsuit due to reporting inaccurate or incomplete information and see that my account is also reporting inaccurate and the credit bureaus are also at fault for not thoroughly investigating my disputes!