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

On my request, Experian sent a notice tha t one of  my accounts,  XXXX   XXXX   XXXX   XXXX , had been updated on  XXXX   XXXX ,  XXXX . It is clear this was an automated update and not via human review. Any person of reasonable senses could see the payment history is incorrect. It is not possible for an account to show late payments once it has been charged off, then show charged off again. That is exactly what  XXXX  's payment reporting shows. No other credit reporting agency has this error.  XXXX  solely has caused me financial loss, including the loss of a home purchase last month for which my underwriter sited this specific issue as the reason for my not getting the home ... that is now sold to someone else.     Specifically, the account was originally charged off in  XXXX  of  XXXX . The updated reporting shows that event correctly BUT then shows the account 180 days late starting  XXXX   XXXX  through  XXXX   XXXX , THEN shows the account as charged-off AGAIN starting in  XXXX   XXXX . This is causing my underwriter to view the file as just charged off this last  XXXX  rather than the actual date of  XXXX   XXXX , almost 5 years ago. In addition, the account is not showing a  XXXX  balance which is required on a charged-off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

REINVESTIGATION REQUEST NOTICE XX/XX/2024 ACCOUNT : XXXX XXXX XXXX I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph XXXX, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX
Product: Credit card or prepaid card

I finished making payments to XXXX and they said my bank reversed payments from my account which they never did ... .I paid off credit card and the account was closed. Now over a year later they are saying their system says I still owe money ... my account is closed and they removed money from my account without my permission. This is banking theft!!! 
Fortive worst credit card company I will never use them again. 
I don't have the card anymore I threw it out. 
They were also supposed to have someone call me but never did!
Product: Credit reporting, credit repair services, or other personal consumer reports

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Product: Debt collection

I paid/settled one of my collections on my credit report. I spoke with EOS and they said it would update with the XXXX. My XXXX has updated paid in the comments but still shows it as a active account on my credit report and not a closed one. I called EOS and explained that they updated I paid it but it still doesnt show a XXXX  balance with XXXX and is showing it still is a open account with them. I was told XXXX will update. I spoke with XXXX and disputed with them that it should show on my report as a closed account. They filed a dispute with EOS and I was told by XXXX that EOS states it validated and therefore they can not list it as a closed account. So my score is benign effect because it thinks I still have a open/active collection account. When I look at my XXXX account I see EOS but on that report it shows it was closed out as paid. I dont know how to get EOS or XXXX  to update my report with XXXX?
Product: Credit card or prepaid card

On XX/XX/2022, I made a credit card payment which posted to the account on XX/XX/2022. However, on XX/XX/2022 ( which is also the day the payment was due ), received an email stating, " Were sorry, but your bank recently returned payment ( s ) made to your Union Plus Credit Card due to insufficient funds ''. The email suggested I contact my bank to see why the payment was rejected. 

This seems almost improbable considering I have XXXX XXXX XXXX  of dollars in my account, along with overdraft protection. I immediately called my bank ( XXXX XXXX ), and XXXX XXXX  has zero record of any type of payment rejection and zero record of any attempt by Capital One requesting the payment & I was also assured by XXXX XXXX  that even if for some unexplained reason I did have insufficient funds in my account, they would absolutely cover the charge ( s ) up to {$1000.00}. 

I attempted to make the payment after speaking with my bank & was informed I would incur a {$25.00} late fee by Capital One since the payment was not going to post until the following day, since it was after hours. I called Capital One customer service & explained the entire situation to a customer service representative & was told there was no way around avoiding the {$25.00} late fee. I asked to speak with a Supervisor and was eventually transferred to a Supervisor. But before I was about to be connected to the Supervisor, the customer service representative told me you're still going to be charged the late fee regardless - ( out of curiosity, why would a customer service representative make that statement to me instead of allowing the Supervisor to make that decision, it was the same as telling me, " you're just wasting your time, you're going to pay the late fee no matter what you say '' ). I connected to the Supervisor and was again told by the Supervisor I will still in fact be charged the {$25.00} late fee. I explained to the Supervisor I had received the same " insufficient funds '' email the previous month & it simply was not true that I didn't have the funds in my account. I explained to the Supervisor, for as long as I've had this particular credit card, I never carry a balance & pay my outstanding balance every month. The Supervisor had no interest in what I had to say & reiterated I would still be charged the {$25.00} late fee All I have is their " word '' and zero proof that they attempted to collect money out of my account. I, on the other hand have solid proof that the money was absolutely available at the time I initiated the payment, as well as proof of overdraft protection & proof that my bank would have covered the transaction even if the money wasn't in the account. So essentially I was charged {$25.00} for a non existing problem, which appears to be a form of fraud by charging customer ( s ) unfounded late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter tracking # XXXX to your company demanding an investigation into the accuracy and validity of the following accounts and credit inquiries Please be advised that I have not received any communication in response to my initial letter, and under section 611 of the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives notice of the dispute from the consumer. If a creditor or credit reporting agency does not respond to a dispute or verify an account within 30 days, the account must be removed. 
1. Credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX 2. Credit inquiry from : XXXX XXXX 3. Credit inquiry from : XXXX XXXX  XXXX Credit inquiry from : XXXX XXXX XXXX XXXX 5. Credit inquiry from : XXXX XXXX XXXX  XXXX 6. Credit inquiry from : XXXX XXXX 7. Credit inquiry from : XXXX XXXX XXXX VIA XXXX XXXX XXXXXXXX 8. Credit inquiry from : XXXX XXXX ALSO IT IS OUTSIDE OF THE STATUE OF LIMITATIONS OF 2 YEARS AS OF XX/XX/XXXX. 
9. Credit inquiry from : XXXX XXXX VIA XXXX XXXX Therefore, I am demanding that due to your companys violation of section 611 of the FCRA , the accounts and inquires listed in the original complaint are permanently removed from my credit report, effective immediately. 
Please note that I am aware of my consumer rights as outlined in the FCRA [ 15 U.S.C. 1681s ], which grants me the right to recover a civil penalty in the amount of {$2500.00} for any company or person who violates the FCRA United States Code. I am also aware that I have the right to seek {$1000.00} per violation as outlined under section 616 of the FCRA [ 15 U.S.C. 1681n ] for each company who obtains a copy of my consumer credit report without my consent. If this account is not deleted from my credit profile, I will file a complaint with the XXXX, CFPB, and will seek civil penalty from the Civil Penalty Fund as outlined in the XXXX Wall Street Reform and Consumer Protection Act of XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor:XXXXXXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Debt collection

This company ( ARS ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Product: Credit card or prepaid card

I received a letter from CapitalOne bank to my name and home address dated XX/XX/XXXX indicating that they have closed my account ending in XXXX. I am not sure what type of account this is, since I have never owned or applied for any account with CapitalOne I called CapitalOne on XX/XX/XXXX at XXXX and explained this to them. They requested my date of birth and social security number and then informed me that they could not provide me with any information since the information I provided did not match their records. They told me this appeared to be some type of " mistake '' but would not further elaborate. 
I believe this is likely a case of identity theft. I am assuming that someone opened an account using my personal information, and would like to report this so it does not adversely impact my credit report. I was unable to get any assistance from CapitalOne in resolving this issue. It is interesting that this is the first correspondance I have ever received at this address from CapitalOne despite them believing I have opened an account with them. I am wondering if there are any other steps I should take to address this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Experian, and XXXX responds stating the report is accurate without providing any evidence of a thorough investigation. This violates the FCRA, 15 U.S.C. 1681i.

It may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in CFPBs recent admin proceeding ( File # XXXX ) against them for similar violations. 
I request the CFPB take action to ensure XXXX, Experian and XXXX complies with federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a customer in good standing with my mortgage company, Quicken Loans. I was refinancing my home through this same company and throughout the process there were many mistakes and delays. It was communicated to me that since we were in the middle of this refinance process that our next payment to be paid would be on XX/XX/2020. This was inaccurate information given to me by my mortgage banker and the way I was notified that the payment due was on XX/XX/2020 is when it was discovered by me on my credit report as a past due payment. Quicken did not notify me of this and resulted in dropping my credit score 100 points. Quicken did not contact me in any way regarding a missed payment. Once I was made aware I immediately contacted Quicken I brought my account current. I made attempts with Quicken for them to make corrections to my credit report. Despite the errors on their employees parts and the fact that I have been a long standing good customer that had never been late or missed a payment prior to this they refused to investigate the issue fully or make any attempts to make corrections to my credit report. The last day I spoke to someone in Quicken 's executive department was XX/XX/2020. This account is currently paid in full and closed. The reason that this payment was late was because the Quicken employee gave me inaccurate information. I need help in this situation to repair the effects it has done on my credit score /report. I will attach the documentation that I made this account current.
Product: Credit reporting or other personal consumer reports

I have called and reached out to Transunion about the fraudulent accounts on credit report due to the XXXX XXXX breach and the company keeps stalling saying my letters and documents are not mine and I am working with a credit repair company which is totally false. I am attaching my FTC report as well as my truth and facts affidavit which were notarized. I am a victim of identity theft and these fraudulent accounts are causing me financial stress and hindering me from my first home owner purchase. The following accounts and inquires are not mine : 1. XXXX XXXX BankruptcyCase Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> and remove from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>. 
XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account Number : XXXX XXXX WORLD FINANCE COMPANY OF XXXX Account Number : XXXX XXXX. XXXX XXXX VEHICLE PROP IN CO Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXXccount Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX/XXXX  : XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XX/XX/2023 : XXXX XXXX : XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX : XX/XX/2023 : XXXX : XX/XX/2023 : XXXX XXXX : XX/XX/2023 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

XXXX months ago, I moved from XXXX XXXX to XXXX on XXXX orders. Before I moved to XXXX XXXX, I lived in the XXXX, where I registered for a Chase Sapphire card back in XXXX. I have used this card since then in the XXXX, XXXX XXXX, XXXX, and XXXX. Last month, on XX/XX/XXXX, I bought XXXX tickets online for XXXX XXXX using this card, and Chase froze the card and did not let the purchase go through, despite being abroad in XXXX and XXXX for almost 2 years. I called their customer service to unlock the card, but it was stated that to verify my identity, I must have a XXXX phone number. I have not had a XXXX phone number since XXXX, and the one i have on file with Chase is currently a XXXX phone number. The customer service representatives would not allow another way to verify my identity and my account has been locked since. I tried calling again that day, and the customer service gave me the same response, saying that a representative will reach out to me in XXXX hours. I was never contacted by phone or email which are on file. I called again on XX/XX/XXXX, with the same responses. A representative still never reached out to me ever. I called again XXXX XXXX and was able to talk to the customer protection department, and despite answering alll of my security questions correctly, I was told I must have a XXXX phone number and a representative will reach out to me in XXXX hours. I asked to close the account, and I was told i was not allowed to since the account is locked. I was provided no other means, and the customer service hung up on me despite pleading for another way. It has been XXXX hours, after a month of trying, and Chase has locked me out of my credit card account with no way to use it or close it. I can not even use {$740.00} in travel points because i apparently must use my chase card to do so. 

I can provide all information on the account in order to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE STILL REPORTING AS AN OPEN COLLECTION AN ACCOUNT THAT WAS FIRST PROCESSED UNDER CHAPTER XXXX BANKRUPTCY PROTECTION AND ACCOUNT WAS LATER SETTLED AND PIAD THROUGH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEYS , XXXX, XXXX XXXX XXXX , XXXX, REF ( XXXX XXXX FORD MOTOR CREDIT V XXXX XXXX ) THIS ACCOUNT SHOULD NO LONGER BE REPORTED AS AN OPEN COLLECTION OR DERROGATORY ACCOUNT AS IT HAS BEEN DULLY SATISFIED. 

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE IN VIOLATION OF FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation.