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

After I filed a dispute with Equifax, XXXX XXXX  doing business as XXXX stated that I still had a mortgage on the property I previously owned at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I closed on this property and transferred title to this property on XX/XX/2023. XXXX continues to report inaccurate information to Equifax despite the evidence that I closed on this property on XX/XX/2023. XXXX XXXX XXXX even sent me an acknowledgment that my mortgage was paid in full. A copy is attached for your reference.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report I do not recognize! 
XXXX XXXX inquire date XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX is listed with a Past Due balance of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. 

This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off. 

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the XXXX reporting standards and these accounts removed upon completion. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited XXXX into a XXXX at Chase Bank in XXXX, at an expected interest rate of 3.92 %, accrued over 6 months on XX/XX/23 through XX/XX/23. When I went to manage the capital and interest gained over this time- during the 10 day grace period ( after the maturity date ) - I was shown only half of the nearly {$1200.00} of interest gained was in the account in an amount of {$590.00}, despite being told ( including in writing ) that the account 's interest rate would be 3.92 %. Six months is the minimum amount of time you can have a CD for and if the % rate is half that ( 1.96 % ) over a 6 month term, it was never brought to my attention, or advertised anywhere, but 3.92 % was. The business practice is misleading at best and theft at worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND TRANSUNION. NOTHING HAS BEEN DONE OR SAID BY XXXX. WHY HASN'T XXXX   DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER XXXX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.
Product: Vehicle loan or lease

I purchased a vehicle from a local buy here, pay here car lot. Interest was added when car was financed at point of sale. Said car lot then sold my account to American Credit Acceptance. American Credit Acceptance is trying to add 29 % interest on the remaining balance left on the car. I have my paperwork from the car lot which clearly shows the remaining owed balance with interest. I have not agreed to any refinancing at all.
Product: Checking or savings account

I have been a member of Navy Federal Credit Union for over 40 years & have had problems with my checking account. When I use my debit card to pay for bills or items, there have been many times I thought I had XXXX amount in the bank because I checked my statement before using my debit card. In reality, when I used my card based on what my statement showed, I would later find I had been charged an overdraft fee because what my statement showed, was not the amount I actually had
Product: Checking or savings account

On XX/XX/XXXX, I became aware of an issue with my bank accounts and online banking access. I attempted to log into my online banking and was told that my password was incorrect, despite knowing it was correct. I then found out that my password had been changed without my knowledge. I attempted to reset my password using my ssn and last 6 digits of my card number and was told the information entered does not match our records. I called Bank of America to figure out what was going on and was told that my accounts, online access, and debit card were locked due to suspected fraudulent activity. I later learned that someone apparently attempted to cash 2 fraudulent checks on my account. And that was the reason the accounts were locked. I submitted a claim over the phone for this unauthorized activity and was told they will conduct an investigation. But I have concerns due to the fact I was told it could take up to 60 business days to complete the investigation. Although, I was told it usually doesn't take that long. But during this time I won't have access to any of my accounts. I also have not heard anything since the claim was initially submitted. Bank of America is the primary place I do my banking and I have been a loyal customer for about 3 years. Not being able to use these services for an extended period of time poses a major inconvenience for me. And I would greatly appreciate a faster resolution to this issue than possibly taking up to 60 days to minimize the inconvenience it causes. I should also note that I suspect there may be fraudulent charges on my debit card as well based on my communications but haven't been able to confirm this yet since I can't get into my online banking. And I plan to call tomorrow to see if I can get more info on my recent debit card transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the information needed to verify my identity. Please stop reporting adverse information to creditors unless you can provide the following. By law if this information is not provided you must remove the debt. 

1.original contract 2.Pay off disclosure 3.balance history 4.payment history 5.credit insurance In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose. 


To verify my identity XXXX XXXX XXXX XXXX of my social : XXXX
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report that I did not open please review attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, DATE OPENED XX/XX/XXXX, AMOUNT {$2000.00} FILED FRAUD NEVER GOT RESPONSE. 

CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$760.00} FILED FRAUD NO RESPONSE. 

CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$1400.00} FILED FRAUD NO RESPONSE. 

CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$2400.00} FILED FRAUD NO RESPONSE CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$300.00} FILED FRAUD NO RESPONSE XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT {$4900.00}, FILED FRAUD NO RESPONSE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$490.00} FILED FRAUD NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I submitted a complaint regarding negligent misrepresentation of the handling of my student loan. Nelnet has a bad reputation for non-disclosure and have also been involved in a data breach litigation as a result of unauthorized access to student loan borrowers ' personal information, including social security numbers. Nelnet has also failed to appropriately communicate with me about renewing XXXX XXXX XXXX XXXX. Each time, it was initiated by the consumer to learn more about it. 

The transfer from Great Lakes to Nelnet is part of an aquisition where NelNet agreed to purchase Great Lakes Educational Loan Services for {$150.00} XXXX. The holder of the promissory note is the holder in due course and is liable for the repayment of this alleged debt. Not the consumer. 

Great Lakes and Nelnet are in violation of breach of contract, negligence, false reporting, extorsion, for selling the contract and misrepresenting the facts of the matter. The CRA 's are in violation as well for not validating and verifying the account without proper account level documentation. 

Failure to follow procedures by the FCRA has brought great stress during my XXXX and I will sue for maximum amount allowed according to the laws that govern. 


Please delete this account from my credit profile. 

I demand relief in the amount of {$5000.00} USD and I am providing the parties involved the opportunity to cure. 
I do not owe this debt.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 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 months that are reported late 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. 


( CREDITOR NAME ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021
Product: Payday loan, title loan, or personal loan

In regards to UPSTART I am disputing there 30 days late. First I have had nothing but issues with this company in such a short time. On XX/XX/XXXX they contacted me saying my bank account was frozen. I then kept trying to pay them and emailed them at least 25 times. They said I need to verify my bank account again. It would not verify with their plaid for some reason so finally it verified again on XX/XX/27 using 2 deposits they sent then withdrew. I then immediately paid. Yet they claim that I was being charged a XXXX late fee. I disputed this because for over 2 weeks I had emailed them over and over again to verify my account just to make a payment!!!!
Product: Checking or savings account

On XX/XX/year>, I spoke to an offshore representative from Capital Ones debit card services department after receiving a fraud alert text on my card. Someone had bought my numbers on the dark web, and I conclude this because the transaction, initiated in XXXX, Arizona, was not initiated by any known suspects, including my former partner who is located in Colorado. There had to be no other explanation. Due to this text alert, I had to list this as fraud. Then upon requesting a new card, I asked that the information on that card be in XXXX as I am totally XXXX. However, that information whether engraved upon the card itself or a slip of paper with a XXXX value for each line was not sent. The representative being offshore did not understand why I asked and did not receive proper training in the accommodations and why those are a must. Failing to send a XXXX slip of paper or provide XXXX on the card itself resulted in having to use a human reader, potentially putting me at great risk of financial exploitation and identity theft. I am especially vulnerable to stolen benefits, knowing that with a fixed income, a representative payee can go in and take control of my benefits, which is a for of financial extortion or exploitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANSUNION, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/23. File number XXXX. The company 's initial response was on XX/XX/23. It has clearly been more than XXXX  days and according to the FCRA the company has 30 days to investigate and resolve my complaint. It has been XXXX  days with no response or resolution to my request. 

Therefore, the only acceptable resolution to my case ids to have all of the disputed accounts removed from my credit report effective immediately. This is a direct violation of my consumer rights.
Product: Checking or savings account

I have 3 accounts at fifth third bank and scammers from XXXX took over XXXX k over the last years out of accounts and bank is closing my account and not reimbursing any monies or charges. I was told I should have seen this in my online banking but me and my husband just assumed we were buying things, so this is the excuse they are using, my banker thinks it is wrong that they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that CREDIT ACCEPTANCE CORPORATION is reporting late payments tarnishing my consumer credit report when the car was already paid for.
Product: Student loan

The school has been found fraudulent for predatory lending. The loan should have been wiped away due to predatory XXXX tactics.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting A ct ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an
incorrect late payment record on my XXXX XXXX  account [ XXXX, XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act (

FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX, SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

I notice this being reported on my credit report as inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , accXXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , accXXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XX/XX/XXXX , accXXXX XXXX bal- {$540.00}, XXXX XXXX, date-XX/XX/XXXX, acc-XXXX XXXX bal- {$20000.00}, XXXX XXXX, dateXXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, accXXXX, bal- {$460.00} , XXXX XXXX XXXX date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XX/XX/XXXX, accXXXX, bal- {$680.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, XXXX, acc-XXXX, bal- {$6.00}
Product: Credit card

I opened a 0 % credit card account and transferred XXXX balances. One had the incorrect account information and credit card name. 
A check for XXXX was issued to XXXX XXXX XXXX XXXX XXXX, XXXX KY XXXX- I have no account with XXXX XXXX. 
XXXX XXXX sent a letter to Elan Financial Services ( the new 0 % apr card ) saying they could not find the account on XX/XX/2023. The check was cashed the following day on XX/XX/2023 by XXXX XXXX even though I have NO ACCOUNT WITH THEM and they asked for account verification. 
On XX/XX/XXXX I was sent a copy of the letter from XXXX XXXX requesting my correct account information. I have been out of town and opened the letter yesterday along with an account statement from Elan showing the balance transfer went through. 
I have contacted both Elan Financial Services and XXXX XXXX numerous times today with no results. Both are pointing the finger at each other. XXXX XXXX will give no info as I have no account, Elan says they can not cancel the check since it was cashed. 
I will be very grateful for any help with this matter. Thank you
Product: Debt collection

I went away on vacation to XXXX XXXX and there were charges that were made on the card after I lost the card and then I tried to dispute using Capital Ones process. They said they were verified, but provided no evidence how they came to that conclusion after it was requested. I then received notification in the mail that a class action law suit was filed and all of those charges that took place and were in dispute were not valid. Please reference XXXX v. Capital One, N.A. Case No. 1:22-cv-1073. I was also previously impacted by Capital Ones improper banking practices, please reference XXXX v. Capital One.