23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at XXXX. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX {$3600.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX Balance : {$4600.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has once again failed in its duty to ensure accurate reporting, and I am beyond frustrated with its blatant negligence. They are falsely reporting late payments on my XXXX  XXXX XXXX account ( Account # XXXX ) even though my payment status clearly states Paid as Agreed. This is a direct violation of 15 USC 1681e ( b ), which legally requires TransUnion to maintain maximum possible accuracy in consumer reports. Despite this obligation, they have failed to correct their mistake while both XXXX and XXXX are correctly reporting this account. Why is TransUnion the only one making this error? This raises serious concerns about their verification process and whether they are properly reviewing data before adding it to consumer report. This account does not have any late paymentsevery payment has been made on time. Yet, TransUnion is falsely listing late payments for months that do not match records from the other credit bureaus. This misinformation is actively damaging my credit profile and needs to be corrected immediately. Under 15 USC 1681i, I am formally disputing these errors and demanding that TransUnion remove the inaccurate late payments to match my correct payment status and update my credit file. I expect written confirmation once this correction is made. If TransUnion does not resolve this issue, they will be in direct violation of federal law and held accountable under 15 USC 1681n for willful noncompliance. I will not allow this to continuemy credit, financial reputation, and future are at stake. TransUnion must correct this immediately, or I will take further action to enforce my rights under the law. Fix this now.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$33000.00} XXXX XXXX Balance Owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing an urgent and formal complaint against Experian for their blatant failure to provide verification for fraudulent entries on my credit report. I am a victim of identity theft, and despite my repeated disputes and submission of supporting documentation, Experian has willfully neglected its responsibility to investigate and remove these fraudulent items. 

Fraudulent Information on My Credit Report : XXXX XXXX XXXX Account # XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, OH XXXX Violations of the FCRA : FCRA Section 609 ( 15 U.S.C. 1681g ) : Experian is legally required to provide the method of verification for any information on my credit report. Despite multiple requests, Experian has failed to produce physical evidence proving the legitimacy of the XXXX XXXX account and the fraudulent address. This is a direct violation of federal law, and I demand immediate compliance. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is obligated to investigate and correct disputed information within 30 days. Their complete failure to provide any verification or explanation for these fraudulent entries demonstrates willful noncompliance and gross negligence.
Product: Checking or savings account

Chime bank I asked to put my account on hold on XX/XX/XXXX I had my tax return deposit I lost my card and it shows withdrawals atm my tax check was XXXX then I got my stimulus XXXX I didnt think any thing of it so I was post to get a new card and I didnt I cant even get into my account my phone number has been changed my password but I have called chime I have sent everything in that they asked me too its XXXX and still have not heard any thing so I called them back they are saying Im sending my documents to the wrong email I just want my money back and now I dont have aback account but I have every transaction that was made I have all the times someone has reset the password the phone number my number is ( XXXX ) XXXX I just really wish someone can please help me XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

National Credit System : Sent the disputes in for this account because it is inaccurate and unverified,. which is a violation of the FCRA and FDCPA. SINCE THIS ACCOUNT IS STILL REPORTINGONMMY CONSUMER REPORT I WILL BE SEEKING REMEDY FOR DAMAGES. GIVE ME THE EXACT INFORMATION THAT IS REQUESTED OR DELETE THIS ACCOUNT FROM MY CONSUMER REPORT OR I WILL BE FORCED TO SEEK MY REMEDY UNDER FDCPA AND FCRA.
Product: Bank account or service

On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. 

Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. 

I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. 

I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. 

My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? 

Thanks XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent a letter on XX/XX/XXXX which I responded to and notified them that the debt is invalid. They did not respond but instead sent another collection letter with less writing on it dated XX/XX/XXXX. This company was notified that this debt is invalid yet they continued to contact me.
Product: Checking or savings account

I opened a savings account over the phone with US Bank last week, after we got off of the phone, I deposited {$120.00}, a day or two later, I realized that I had something that was going to be sent through my checking account, so I tried to transfer the money back into my account, I tried several times throughout the day but it kept saying transaction error, so I drove to the atm and tried to pull the money out so that I could deposit it into my checking account, again I got an error message. By this time it was after hours, so I called us bank the next day, I was told that a hold was put on my savings because they would be sending me a signature card to sign and once they received that, the hold would be lifted, I explained to her that I was not told that I had to physically sign anything or made aware that I would not be able to access my own money- I would never have transferred money into my savings if knew they were placing a hold on it, I was told that they would review the taped call and if I was not made aware of the hold, that my money would be refunded- so far as of today, there have been 6 overdrafts totaling {$210.00}, I have just had other automatic deductions come through today and have again overdrafted my account due to the original 6 overdrafts because of the hold on my account- I believe that I will be looking at an additional 4 - 6 overdraft fees. This would not have happened if I would have been made aware of the hold, I was not told during the set up of the savings and the bank has yet to fix this or produce the tape of me being told about the signature card or the hold that would occur- I have called the bank about this at least 5 times now and am desperate to get this fixed, its causing a snowball effect, by tomorrow Im sure this will have caused a total of 10 to 12 overdrafts at {$36.00} each.
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 confidentiality under 15 USC 1681. 

XXXX. XXXX, XXXX : # XXXX, 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 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: Checking or savings account

I contacted the XXXX XXXX  card customer support to file unauthorized transactions on two separate occasions now both times I will talk to very rudely and then hung up on after being told that they can't file these unauthorized transactions or anything they have no idea what they're doing and they provide no customer support whatsoever so I have a bunch of charges on my account to XXXX XXXX XXXX and to XXXX XXXX XXXX  so with XXXX XXXX XXXX  it's a online sweepstakes legal here in my state what happened is I kept getting solicited to play the sweepstakes and I did I made the purchases on there for the coins what not well last night I won over {$2000.00} and I went to cash it out and at first it looked like it was going good but then later on when I tried to login my account was terminated and I tried contacting support and they just gave me the runaround and now they will not communicate back with me so I was trying to file a dispute for these charges because I didn't receive the services actually I lost everything and this is when XXXX XXXX just absolutely hung up on me I actually filed an unauthorized charged last week for the XXXX XXXX XXXX those ones I didn't even make I have no idea who they are and immediately after I filed the dispute they came back on and told me that I was not going to receive any money back and again just hung up on me when I said no you guys under regulation e you have to at least attempt to investigate this they are the most unprofessional rude people I've ever met and I can not I will never do business with them again there's about {$400.00} worth of charges on my account from the XXXX XXXX XXXX and another {$75.00} from the XXXX XXXX XXXX I need all of that money returned I did not receive anything for it if anything I lost several thousand dollars to these to this sweepstakes paper needs to make this right and
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In collections for a medical bill. That I never got notice I could settle couldn't afford at the time the medical bill and never got warning they were sending me to collections until I was already in collections.
Product: Debt collection

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One USA . However, Capital One sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX XXXX XXXX XXXX, XXXX brought this old credit card from XXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also XXXX XXXX XXXX, XXXX posing as Capital One Bank ( USA ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, PA posing Capital One ( USA ) ; we are currently in dispute
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries, as I do not possess any knowledge about them, and they were carried out by the company without my consent.
Product: Consumer Loan

the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.
Product: Money transfer, virtual currency, or money service

I attempted to withdraw XXXX STR ( Stellar Lumens ) tokens onXX/XX/XXXX at XXXX - the transfer did not complete and resulted in an error ( as shown in the Withdrawals section of my account ), however the amount of XXXX STR has been deducted from my account balance. 

I logged a ticket in the support section of the XXXX website ( # XXXX ) on XX/XX/XXXX ( 67+ days ago ) and a reminder 4 days ago. I also sent @ XXXX tweets requesting resolution and refund of the missing tokens on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, however no response has been received. 

I request the CFPB to take appropriate steps to ensure XXXX XXXX is held accountable for such lapses and exemplary fines are levied to ensure such actions are not repeated.
Product: Credit reporting or other personal consumer reports

I tried to use this company for credit repair. I didnt know the charges were so expensive. I canceled my account and was still charged even though I never use their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect amount shown for student loan payment of {$3500.00} correct amount should be {$350.00} and I have statement showing correct payment amount with dept of Education.
Product: Mortgage

Good morning I was originally contacted by one of your loan agents about a refinance opportunity, which in hindsight I should have said no to. I was told I would have a lower rate and would skip a payment. I agreed. I was told the closing would be on XX/XX/XXXX, however, after taking the day off to meet the individual, no one showed, and no one called. I was contact by someone at your agency from Indiana on XX/XX/XXXX at XXXX XXXX  and told we would move the refin to XX/XX/XXXX. I informed this person that I would be out of town, but I could rearranne the trip. We scheduled this appointment. 

During this call, I informed her that I had not paid XXXX as of yet as I was told not to worry about it, I asked ( on a recorded line ) if I should go ahead and pay it. I was told no, that Freedom Mortgage would make the first payment due on XX/XX/XXXX, and we would skip XXXX and XXXX. I encourage someone to listen to this conversation. 

Regardless of whether XXXX would have been due, XXXX would not have been as I was still in the window. However, Freedom Mortgage reported me as 30 days late on my mortgage. As a result, I have had an 80 point drop in my credit score, and I no longer qualify for an automobile loan. This is unacceptable, and unfair as I did everything I was told to do. I have tried calling the phone numbers your employees have told me to call, and after several hours and multiple phone calls, I was told to send an email. I can tell my business is appreciated.

I would like to request that my file be reviewed for loan number XXXX, and my old mortgage loan number so this error can be corrected. I also request a status update, an estimated time for this investigation to be completed and verification of receipt of this request. Again, I completed every task I was asked to do, and I trusted your employees to provide accurate information. 

Any assistance you can provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and XXXX evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX