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

I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. 

In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), XXXX conveyed that Capital One, the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my XXXX credit report is conspicuously missing this critical revolving account and the associated credit history. ( " CAPITAL ONE THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from XXXX 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when XXXX declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with Capital One regarding the payment history. 

I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting XXXX with the indispensable information needed to accurately update my credit report. 

The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. 

I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. 

To ensure transparency and collaborative resolution, I am including Capital One in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. 

I kindly urge both XXXX and Capital One to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. 

Thank you for your immediate attention and cooperation.
Product: Credit reporting or other personal consumer reports

XXXX has a vehicle on my credit for XXXX XXXX  I have no knowledge of this account an it shouldn't be on my credit
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX  account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( Experian ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : 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 ) Experian : 30 days late ( XX/XX/XXXX ) XXXX XXXX 30 days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : XXXX and XXXX report a late payment for XX/XX/XXXX, while Experian XXXX it for XX/XX/XXXX. 
XXXX inconsistently lists the account as both " XXXX '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : XXXX and Experian state : " Dispute resolved ; customer disagrees. '' XXXX states : " Consumer disputes after resolution ; closed or paid account/zero balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information.

Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt.

Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed fraudulent inquires on my Experian, XXXX, and XXXX   reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX XXXX XXXX 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX  XXXX 10. XXXX XXXX  11.  XXXX 12. XXXX XXXX  XXXX Experian XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX  XXXXXXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XX/XX/2017. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( XXXX XXXX ).
Product: Checking or savings account

My brother died in XXXX of XXXX  and I have inherited his estate/I am the executor of his estate. Since he had no children or a spouse, as a sibling I need to pay taxes on his inheritance to the State of NJ. NJ will not release my inheritance until the taxes are properly accounted for and paid. There were 2 checks he wrote that were cashed in one of his Investors Bank accounts that the state of NJ is requesting copies of.

Though we have online access to the accounts, Citizens Bank recently acquired Investors Bank and all the prior historical data ( including digital copies of the checks ) was not brought over into the Citizens Bank portal. So we have lost that history due to no fault of our own but a failure on Citizens Bank side to keep this information. We have called Citizens multiple times and asked for copies of the checks. Every time they say " it's being researched and they'll send us copies in a few weeks ''. This has been going on for at least 5-6 months.

I called 2 weeks ago and they said they would get on it right away. Still nothing. No response.

I need to close this out with the State of NJ. I need copies of these checks. It is not right that a bank is withholding this information fro us.
Product: Student loan

I am a student in XXXX FL campus of XXXX XXXXXXXX College, I am not in XXXX FL campus. 
My course is over as of XX/XX/XXXX. 
I have not found job in the field yet. 

I was told I will get 6 months time after completion of course and than my installment payments will start, for student loan. 

But I started getting collection calls from XX/XX/XXXX. 

And I must have got 50 calls. 


I made payments up to XX/XX/XXXX ( I paid {$75.00} every month, from XX/XX/XXXX till XX/XX/XXXX ). 

XX/XX/XXXX till XX/XX/XXXX I paid {$20.00} a month. In XXXX I started getting collection calls so I stopped paying. 
College has given me XXXX balance statement, that I owe nothing, which I emailed to Tuition Options, but again I still keep getting collection calls. 

There is some thing very fishy, I emailed to president of college too. 

The person in charge of student finance Mr XXXX is the main cause of these problems. he has left the XXXXC.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

When I investigated my credit report, I realized that the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXX : {$9200.00} Consider this as a follow-up request prior to my earlier complaint dated XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Mortgage

Chase bank was doing everything in their power through their XXXX XXXX XXXX, XXXX to avoid to settle on mortgage loan. I found this process very unethical and abusing. 
Under Maryland State law mediation is one of the option in foreclosure due process to meet with the lender or person representing the lender with authority to settle or be able to contact a person with authority to settle the matter at the time of mediation. This was extremely important for me to settle with Chase bank and come to agreement. Unfortunately Chase representative XXXX XXXX, an attorney from XXXX XXXX XXXX XXXX entered mediation without any authority to negotiate to settle, nor XXXX XXXX was on phone during the mediation even once. It was a conference like meeting which undermined due process. I am currently residing in the property and interested party, entered the mediation with full authority by Power of Attorney from borrower XXXX XXXX with all rights to negotiate and settle and was ready to negotiate with all supporting documents and fair settlement deal based on fair market value based on professional appraisal and guaranteed funds at the time of mediation with XXXX reputable witnesses, XXXX attorneys and widow of the judge from circuit court. We were hopping to meet with the party from Chase bank and lender with authority to negotiate and settle. Unfortunately it was n't a case as XXXX XXXX had no authority and suggested that we should submit our proposal for reviewing to the Chase bank. If XXXX XXXX had an authority to negotiate and settle as Chase bank is claiming why XXXX XXXX did n't exercise that power during the mediation? Why we are being told to submit our proposal to the bank? JP Morgan Chase is refusing to acknowledge this misconduct and denying my argument. I have XXXX reputable witnesses willing to testify if needed in this case. Mediator XXXX XXXX XXXX XXXX submitted inaccurate report " No agreement was reached '' to XXXX XXXX Circuit Court which adversely impacted my foreclosure case. The report should say " The lender failed to attend the mediation and/or failed to have access to someone with required authority to settle the dispute '' I strongly believe that this was misconduct in foreclosure process by Chase bank and by mediator of Office of Administrative Hearings XXXX XXXX XXXX XXXX. 
I believe this was unfair and unlawful. 
Circuit Court Case Number : XXXX XXXX Case Number : XXXX Foreclosure Medaition Date : XXXX/XXXX/14
Product: Checking or savings account

I opened an online joint checking account with Citibank on XX/XX/XXXX for me and my daughter. Apparently, my full address did not come over with the online application. I sent over a cable utility bill to verify my daughters address with the application and they did not accept. I called back to resolve and never heard back ; however, I received emails to fund the account through the Citi app, which I did. 

On XX/XX/XXXX, I called to ask about debit cards and was told the account was locked and not opened due to a discrepancy between the address on the application and proof of residence documentation. I offered to send over the lease with correct address with both joint owners and Citibank refused offer and will not proceed to open or unlock account. 

In the meantime Citibank sent me emails indicating the account was open and asked me to deposit funds. I transferred {$15000.00} by ACH to the Citi account and it was accepted ( even though the account was technically in review ). Citibank has locked this account, will not open the account, and refuses to return the {$15000.00} in funds by rejecting the deposit and sending it back. 

Citibank has never contacted me between XX/XX/XXXX and XX/XX/XXXX to tell me there was a problem with this account. I called them to ask about debit cards and found out the account was not opened and locked. Citibank offered me no time frame or path to resolve. I was told that 30 business days from application they would start close out process and eventually they would mail me a check for the funds when process was complete ( even though they have been told they do not have the correct address and will not update ). Citibank offered me no alternative. I just want my {$15000.00} sent back by ACH from the account of origination. 

As a side note, I was solicited by Citibank with a promotional offer to open this account as a valued credit card customer. My correct address is on file with the credit cards and Citibank refused to use their own information to validate my address with this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copu of my report to this complaint on these date XX/XX/year> and XXXX 'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can't be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with equifax found a account from XXXX XXXX I immediately made a challenge on the unknown account, equifax verified the account but I know that they verified it in a short time so I dont think the account was investigated, equifax knows that the FCRA requires them to provide me THE METHOD OF VERIFICATION I REQUESTED .... however they try to stall and send me generic answers about how they verified this account, they need to make sure that XXXX provides me the original signed agreement, if XXXX saying they cant provide me this information how did they provide it to equifax? My name, address and last 4 of social is not verification because clearly anyone can get access to that information, I need competent proof which is my rights, all verification without proper certification is a violation and i may seek compensation, equifax is not acting in good faith
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards with XXXX. Both cards were charged off by XXXX in XX/XX/2017. I have requested a 1099-G for both cards multiple times from XXXX and they have refused to provide the form for the charged-off accounts. XXXX also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested XXXX fix this multiple times, and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX  : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; 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: Credit reporting, credit repair services, or other personal consumer reports

The Address reporting on my credit report does not belong to me.
Product: Credit reporting or other personal consumer reports

Mohela and Department of Ed is reporting a wrong loan balance they are reporting XXXX and last I check I owed only aboutXXXX. In addition they are not reporting my payments instead they report it to credit as unavailable. They also say I only had account open XXXX  years and not accurately reporting this
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Keeps updating an account that is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX, account # XXXX, account # XXXX, account # 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 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Inquiry issue with Transunion. I contacted them and asked to please remove the Inquiries from my credit report and they did nothing to assist me. This was today XX/XX/2018 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hi and how are you? Listen, this surprised me and i just reviewed my entire bank statement for XXXX  and saw the {$270.00} payment come out religiously. I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries without my knowledge -chace -XXXX I didnt applied for any credit line for this two companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of a data breach and identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I ask that you take the necessary actions to address this matter promptly. 
Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX, XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX