23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Belk Rewards card made a purchase in XX/XX/year> for {$140.00}. Paid it on time using my bank service. The account number was incomplete so Belk/Synchrony Bank didn't credit my account. I have provided a letter from my bank showing payment was made and copies of my checking balance showing payment-several times. Also have attempted to resolve via phone calls with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX XXXX XXXX XXXX XXXX ), and they have caused significant harm to my creditworthiness and financial opportunities. 
Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on XX/XX/year>, LVNV FUNDING LLC, has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process.

Continued Reporting of Inaccurate Information XXXX continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report. 
Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ).

Reimbursement of legal fees and costs incurred in addressing this matter. 
Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX incorrect personal information on credit reports XXXXXXXX XXXX  inaccurate information XXXXXXXX XXXX unauthorized hard inquiries XXXX XXXX XXXX XXXX reporting negative XXXX inaccurate and unverifiable information. 
XXXX. XXXX XXXX  inaccurate, unverifiable information and several inquiries XXXX inquiries : XXXXXXXX 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

My indio account shows late payments and the account is auto payments with no NSF
Product: Debt collection

XXXX XXXX XXXX XXXX is messerli and Kramer in XXXX MN.i guess it was XXXX when I had a card for purchase of ... I have no idea.they say I owe XXXX they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was not given a court date by letter.I never got proof from XXXX XXXX or from messerli and Kramer.
Product: Credit card or prepaid card

Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

I'm very confused about the minimum payment regarding the attached statement and current balance.
Product: Student loan

In XXXX, I took a {$55000.00} private student loan from Sallie Mae for financing my second year XXXX at XXXX XXXX. I started repaying this loan amount post graduation ( i started repaying in early XXXX ). Aside from capitalized interest ( {$5000.00} ) added to my principal amount, an amount of {$1800.00} was also added to the principal as repayment fee on XXXX XXXX XXXX. I have called and asked about the fee and have been told that its in my contract. This fee was neither disclosed during loan discussions or disbursement process and adds and extra burden during repayment. Can you please help figure out how this addition to the principal is allowed, even in a private loan? This looks like an underhanded approach to add interest income indirectly for the issuer and directly from this amount added to principal at time repayment begins. After repeated efforts the servicer now ( XXXX ) can not even provide documents showing this fees was part of the loan. 
Thanks, XXXX XXXX Sallie Mae A/C No. XXXX
Product: Credit card or prepaid card

I applied for a Sapphire Preferred Credit Card under the impression that the promotional benefits were XXXX points for {$4000.00} spend in 3 months and 0 % APR for 12 Months. I got my points but didn't realize I was being charged interest until my 4th month in. I brought this up with Chase 's credit card department and they said they have never offered this promotion. I found the ad I saw before applying and brought this up. They don't maintain a record of their advertisements, according to the agents I spoke to, so it came down to their word. I feel taken advantage of in this case.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I contacted debt collector amerassist AR solutions on XXXX, informing them there must be an error with the debt that they are claiming, due to the fact that I was incarcerated from XXXX until XX/XX/XXXX. They informed me that it's my responsibility to pay the debt or they will seize all my assets, garnish my wages etc. I asked them who is the original creditor and they told me its XXXX XXXX XXXX  in XXXX New Jersey. I explained to them that XXXX XXXX XXXX  was brought up on charges for defrauding auto insurance companies for millions of dollars on XX/XX/XXXX, and I am simply one of their victims. I last explain to them that i have original documents from my XXXX date and XXXX  date, showing proof that I never received such XXXX.
Product: Credit reporting

Equifax has been manually updating my credit report as part of numerous disputes of inaccurate data and credit reporting. There are over XXXX complaints through this portal alone. 

I attest that I am XXXX XXXX, and the owner of all verbiage in this complaint. I do NOT agree to have this complaint dismissed through this portal, as this is part of the trend of inaccuracies I am being forced to identify and remedy. 

The XXXX - Lost Stolen Card account is now incomplete. FCRA - states that such an inaccuracy must be deleted. 

Account is not complete, and therefore is inaccurate, Equifax updated this account manually. 
No Account owner is listed No Terms The Type of Account is inaccurate - and is now blank High Credit has been orphaned - and is now blank Credit limit is not correct - its now now blank Activity Designator must say closed, and it does NOT, for a lost or stolen card The Payment History - has been deleted
Product: Credit card

On XXXX/XXXX/2015 I paid my credit card bill {$180.00} On XXXX/XXXX/2015 I received a message stating that amount was pending due to a XXXX CAPONE OTB HOLD. I called to inquire about the hold up. A supervisor stated it was because I paid my bill to often in one month, so they were placing a hold because of suspicion of fraud. They called my bank with me on the line and inquired about fraud. The bank confirmed there was no fraud. the bank further told them that the {$180.00} was released to them. They confirmed they had received the payment. After they hung from the bank the supervisor for Capital One told me she was going to keep the hold on for several more days. On XXXX/XXXX/2015 a payment of {$17.00} was allowed to go thru. This coming after a hold was placed on the {$180.00}. I told the supervisor : # 1. I suspect that there was an attempt to control my spending view slowing the process to return my credit limit to its normal amount. # 2.How is it that they were the complaint party for my bank who was not concerned with the allege fraud. She stated I should not pay my bill as often as I had. I stated I wanted to produce a good pay record to help my credit and I needed my limit restored in order to buy other goods. I informed the supervisor that I take umbrage to how she and the other employees were handling my situation. The situation being that a made up charge of fraud that the bank where i have paid all of my bills concerning capital One all of a sudden became fraudulent. I ridiculous that Capital One would investigate fraud for another institution who have their own security measures in place. This supervisor called my institution and never offered a legitimate reason for calling only saying it was a mistake that had already been resolved. It was so unbecoming of a business such as Capital One. I told her, I was offended by what they were doing that the real reason for all of this was to keep me from paying my bill so rapidly. She stated the hold would be removed but she cautioned me to not pay my bill as often.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently flied a lawsuit against Experian, alleging systemic issues such as failing to forward consumers-provided evidence to furnishers,, accepting unreliable responses, and failing adequately notify. consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THESE DOCUMENTS BECAUSE I NOTICE THAT INACCURATE ACCOUNTS ARE STILL ON MY CREDIT REPORT. I HAVE NO IDEA WHY THEY'RE REPORTING ON MY END.
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint 1. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under XXXX XXXX XXXX XXXX ( XXXX ), even though my original contract was with XXXX XXXX XXXX ( XXXX ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by XXXX XXXX XXXX XXXX. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XX/XX/XXXX 2024 ( XX/XX/XXXX ) and XX/XX/XXXX 2024 ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but Experian, XXXX, and XXXX verified them as accurate without conducting a proper investigation. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and XXXX XXXX XXXX failed to provide legally required documentation proving the validity of the late payments. 
They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
Experian, XXXX, and XXXX failed in their legal obligation to verify information before re-reporting it as accurate. 

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If XXXX XXXX XXXX transferred or securitized my loan with XXXX XXXX XXXX XXXX, I was never properly notified, violating federal lending laws. 

5. Potential Retaliation & Discriminatory Practices I have reason to believe that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may attempt to retaliate against me for filing this complaint. 
I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes.

Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process
Product: Credit card or prepaid card

XXXX fraudulent credit inquires I do not own a business and someone is trying to open credit in my name
Product: Debt collection

In a previous complaint with the CFPB Jefferson Capital agreed to close 2 collection files and inform each credit bureau to remove the 2 collection accounts from my personal credit reports. The accounts have been removed from XXXX and XXXX however they still remain on my XXXX credit report and have just been verified instead of removed. This is a direct violation of the resolution of the previous complaint. I am asking again that the items be removed as soon as possible.
Product: Debt collection

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$12000.00} New Charge Off : XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Had a wire transfer to XXXX XXXX XXXX XXXX from Chase bank that was to be forwarded to The XXXX XXXX XXXX XXXX XXXX XXXX. The transaction was rejected and sent back to Chase bank and they are telling me that they never got the money and the credit union is telling me its already been returned the same day which was XX/XX/2021 It was {$110000.00} to our employees credit union account in Connecticut from Arizona chase bank account Are they going to keep my money or can I get my money back its missing?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION IS REPORTING INACCURATE INFORMATION. THE FOLLOWING INQUIRIES ARE UNAUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious with the way that XXXX is running its organization and ruining my credit. On XX/XX/XXXX, XXXX dropped my XXXX XXXX from XXXX  to XXXX  due to a paid in full settlement to GM Financial and not only that, they documented that the payment was late. 
How can a payment be late if the settlement was paid in full and the balance will reflect {$0.00} after 30 days? 
On top of that XXXX marked the account as a current repossession when the vehicle was repossessed in XXXX. 
My credit report shows how XXXX increased my score when I was paying this account down, and now that I have fully satisfied the settlement they chose to drop my credit score XXXX points and report the account late after I paid off the settlement amount, which is a disgrace. Every time I turn around XXXX continues to keep taking a way points without accurate reasoning. Every time I call, they never have an explanation on why they keep dropping my score. I see why they keep falling victim to lawsuits, because they keep ruining peoples credit just because they can. 
They have violated the Fair Credit Reporting Act too many times and now I am going to take action against XXXX this time because I have had enough. I have the right to fair and accurate reporting of my credit information. 

People have checked my credit score that I have not given permission to do so and when I call them to see if they have proof of me giving permission for my score to be checked all they say is, you have to call the people who are requesting the report. 

How am I supposed to do that when I don't even know who is checking it. I see it on my report and I report it to XXXX so they can stop lowering my score because of it, but they won't do nothing about it. 

I want XXXX to stop ruining my credit and get proof of accurate information before ruining people 's credit. I want my credit report fixed and the points added back that was taken away. 

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

The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXXXXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. Creditor us SM bus admin Oda Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX Inquiry Date : XX/XX/XXXX 10. Us SM bus admin Oda Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX  XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XXXX XXXX 15. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 16. Creditor : XXXX Inquiry date : XXXX XXXX 17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 18. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 19. Creditor : XXXX XXXX Inquiry date : XXXX XXXX  20. Creditor : XXXX XXXX  Inquiry date : XXXX XXXX 21. Creditor : XXXX Inquiry date : XXXX XXXX 22. Creditor : XXXX XXXX Inquiry date : XXXX XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.
Product: Debt collection

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.