23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at the time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX XXXX Balance : {$310.00}
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports i notice some negaitve info on my credit reports
Product: Debt collection

I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
Product: Checking or savings account

US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.

***This is a follow up complaint to a recently closed complaint, since US Bank was disingenuous in their response and provided false information. 

US Bank identifies only {$20.00} in debit card use for the month of XX/XX/XXXX 2018, and they provide a statement with debit card use and posting dates that differ from what is true and shown on my online banking. I will now provide a screen shot of a {$30.00} debit card use made on XX/XX/XXXX towards an XXXX purchase. This screenshot shows I met the requirements for a {$50.00} bonus for {$50.00} in debit purchases made in the month of XX/XX/XXXX. It further shows there was a delay in the posting of said purchases that US Bank is basing their denial of bonus payout on. 

I made US Bank customer services reps aware of these qualifying purchases on several follow up phone calls. 

Their furnishing of a bank statement, to the CFPB, that is misleading in omitting the actual date of my debit card use, and their using this misleading statement to make false statements is indicative of a purposeful attempt to not fulfill the terms and conditions they advertised.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures forincluding information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C16 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I called about the remittance slip on XX/XX/XXXX, a Capital One representative said that they recieved it without a check. I told them I used the remittace slip, Capital One rep said they do not accept those forms a payment. I called again on XX/XX/XXXX and a rep said they will not accept it and will see if they can send it back. I never recieved the returned remittance slip but I recieved a new remittance slip for the XX/XX/XXXX- XX/XX/XXXX billing cycle. I sent that remittance slip in via certified mail on XX/XX/XXXX because now when I call they say they never recieved any form a payment. On XX/XX/XXXX I was transfered to XXXX # XXXX who became upset when he did not understand the process and I informed him that I was told the slip was recieved and would be returned to me. He said it is not in the notes, I told him the notes were not correct, and with that he said that he was going to put the same incorect information in as well. I called back and spoke to XXXX who was very pleasant to speak to and was able to assit with a complaint on his end but I do not know what it said. So we have multiple remittance slips, none of them have been returned and nothing reflecting on the account.
Product: Vehicle loan or lease

Good Afternoon, I 've done a lot of reading about a car loan I co-signed for. I 've and the owner of the car in question to get out of this loan by doing a co-signer released. Capital One bank has refused to work with me at all. The primary who owns the car has moved away to another state and is no longer reachable and another party wants to take over for me on the loan since I have nothing to do with the car anymore. Capital one Bank will not even work at all, Not even offering a refi to have this loan setup for the real owners of the car. I feel like they want to do everything possible to destroy my credit which is already down 200 points. I hope you can help me with this issue.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX REPORTED XX/XX/XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ACCOUNT OPENED XX/XX/XXXX BALANCE OWED : {$3200.00} THIS ACCOUNT DOES NOT/ HAS NOT BELONGED TO ME. THIS DEBT BELONGED TO A FAMILY MEMBER. HOWEVER THIS INFORMATION WAS PUT ON MY REPORT WAS NOT AUTHORIZED NOR WAS I AWARE OF THE OPENING OF THIS ACCOUNT
Product: Credit card

In the past couple of years I 've tried to obtain a credit card through my bank, USAA in XXXX XXXX, and have had auto insurance there since serving XXXX in the military during the early XXXX. I 've had XXXX secured loans in recent years with USAA and paid them both off on time, never late. The bank has denied me a credit card XXXX in the past two or three years, the last time only recently. Also it denied another secured loan, even though at the same time my bank in XXXX not only offered an unsecured loan of {$10000.00}, but also granted a credit card now with a {$6000.00} limit. This is all within the past two or three years.
Product: Credit card

I had signed up for the paperless settings when i joined and have made it clear I want all communications via email. The company refused to communicate via email or their own portal for vital communications such as disputes. Even for the recent issue, i received no valid communications per my preferences as they keep mailing things with no digital notice even, though my strong preference is all communications to be digital. None of the mail they have supposedly sent me was received and should be considered invalid as there is not record of it being received. They should send everything via email or portal ( digital/paperless ) per my preferences. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, or do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with Nelnet as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XXXX, Nelnet, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Product: Debt collection

I sent a request for verification of debt to GLA Collection Co. Inc. in XX/XX/2019 after discovering two collections on my credit report. I notified them that I disputed the debt and requested that if insufficient evidence existed that the debt was my responsibility that they should notify the credit agencies and any other relevant financial institutions. They did not send verification of the debt, and my credit report from this XXXX still lists both collections.
Product: Credit reporting or other personal consumer reports

This is a formal complaint for XXXX, XXXX and EQUIFAX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If XXXX, XXXX, EQUIFAX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given XXXX, XXXX, and EQUIFAX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems XXXX, XXXX and EQUIFAX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , XXXX and Experian has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX , XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX , XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX , XXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Product: Debt collection

Trying to collect on an alleged debt after the after the Texas statue of limitations have been met. Please remove this debt.
Product: Credit card or prepaid card

I have reach out to my credit card company and asked do they have a forgiveness program to remove the late payment off of my acouunt. Since the late payment they have increased my credit limit twice. They informed me that they could not do so. They stated that I had to contact the credit bureau. I also request to get copies of the statement for the four reporting late payment and what they sent only shows three per the statements. The dates that I have are XX/XX/XXXX past due fee of {$25.00}, XX/XX/XXXX past due fee of {$35.00}, XX/XX/XXXX past due fee of {$35.00}. I also paid that payment on the XXXX which is the due day but was unaware until recently that if its not paid but XXXX it marked as late. Which its still the XXXX and that's the due date. I have sent a letter to ask for forgiveness as well because if I was a customer that was not responsible they would of not increase my credit limit. I received a letter stated that they are unable to change their reporting. That they understand how important my credit is but they are still not willing to remove late payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are attached as well.