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

Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from XXXX XXXX XXXX XXXX  of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.
Product: Credit reporting

I filed a dispute with all 3 credit bureaus in reference to a Public Record/ Bankruptcy, the Docket # is XXXX. It was stated to me through updated credit reports that the information was verified through XXXX. I contacted XXXX, because and was told that no one has contacted them about my consumer report between XX/XX/XXXX and XX/XX/XXXX. I requested verification of the accuracy of this information being reprted. Since XXXX was not contacted by any Credit Bureaus, I would like to claim that the information that is being reported is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 

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Product: Checking or savings account

Yesterday on XXXX Current decided to place my account on suspension without notice. I have several XXXX of dollars of funds tied up and I would like to see the full reinstatement of my account or at the least done better communication of what happened and what do I do to get my funds returned to me.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX 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

On or around XX/XX/2020, I submitted an email to this company asking to see the source of information, which is the original contract that contains my signature, according to FCRA Section 609. I have also produced documentation from the courts themselves stating that they do not report to the credit bureaus and therefore since the courts themselves did not furnace this information to the credit bureaus directly it is clearly a violation, which would be an inaccuracy, defaming my name and character. I asked for an reinvestigation and the only thing they could come up with is that it was reporting accurately. That is such a violation if it was reporting accurately the courts would have been the one responsible for how it is reporting on my report. Therefore the court did not furnish the information it is clearly an inaccuracy.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> 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

On XX/XX/22 I went to purchase a car and pay for it in full. When I went to transfer the funds, {$5000.00}, to my checking account from my savings account, I discovered my accounts were locked. The bank didnt immediately release my accounts after I confirmed my identity. I bank through Ally Financial. They eventually unlocked my accounts but this forced me to finance my car instead of purchasing outright. 

On XX/XX/22 I deposited {$10000.00} from my XXXX account where I have my paycheck deposited from work to my Savings account. Again, my account was locked but they unlocked it soon after my identity was established and the transaction was validated. On the same day, I decided I wanted to purchase two vehicles for my significant other and I. Prior to transferring money, I contacted my bank and informed them of my intentions. They refused to transfer the funds for me over the phone immediately. I answered every security question, provided my full name, date of birth, social security number, and called from the phone number on file. I also requested a call back after they spoke to a supervisor to determine what the course of action would be. When I didnt get a call back, I requested another call from the bank through the automated system and was told it would be approximately 45 minutes. I scheduled the second call back over an hour and a half before closing time. I never received a call back. 

On XX/XX/22, I attempted to transfer the funds, {$160000.00}, from savings to my checking account and my accounts were frozen. On XX/XX/22 I contacted the bank AGAIN. I was told that the amount was too large to be transferred and they could only transfer {$50000.00} for one transaction. This was not disclosed to me on XX/XX/22. They also did not unlock my accounts and I have been waiting over 30 minutes for a supervisor to talk to me about my issues. 

Additionally, anytime I transfer money from XXXX, XXXX, or XXXX into my checking account, the funds are not available in my checking account until after XXXX hours.
Product: Debt collection

I am receiving emails from Resurgent Capital Services ( XX/XX/XXXX and XX/XX/XXXX ) claiming I owe a debt for XXXX XXXX XXXX, of which I do not have an account. They claim the debt was purchase by LVNV funding LLC, and that Resurgent has been retained to collect the debt. I called XXXX XXXX XXXX  and they have no record of an account opened with my SSN. I recorded that call. 

Today Resurgent threatened a lawsuit in an email - I included an excerpt from their message below : Your account ending in XXXX  has been moved into an accelerated prelegal collections track. Our records show that your account has an outstanding balance of {$810.00} and may be forwarded to an attorney for review for a possible lawsuit in less than 4 months. 

Please help! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I send bureaus a letter notifying them that if the failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Since I don't receive any feedback, I don't have any option but to seek legal remedies to fix this issue.
Product: Credit card or prepaid card

I don't know why chasebank had to close my card I was sick and had to go to the bank
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC XXXXb 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 XXXXb ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Debt collection

Synchrony Bank calls nearly 20 times daily, starting at  XXXX  on behalf of Walmart. After being told that I am unable to pay right this minute and that I will get everything caught up with in 2 weeks, they continue to call from many different numbers. After blocking the visible phone numbers, they 've started calling from unknown caller id. So far just this morning they have already called 6 times wishing 2 ho urs.
Product: Debt collection

On XX/XX/19, I set up payments with Midland Credit Management, paid {$160.00} with another {$160.00} payment set up for XX/XX/19. The total amount owed was {$300.00}. I received 2 statements with the payments taken. However, it is showing up on my credit report still with amount owed  {$300.00}. I called Midland where the gentleman advised they never received my payments and no record of sending me out the letters. I spoke to a supervisor who advised I should sent in a copy of the letter sent by HIS company since they had no record. Then he said he did see a payment made on XX/XX/19 of {$160.00} which then led me to believe they were lying. On my credit report, it shows the balance of {$300.00} so even if they only had a payment of {$160.00} they are committing fraud by not reporting the correct amount to the credit bureau. I paid this account as agreed to delete this off my credit and now they have no record of it and all this for a {$300.00} past due account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I was alarmed to discover that Discover has reported a charge-off status for an account that I have had with them. This unexpected charge-off has significantly impacted my credit score and overall creditworthiness. I believe this situation to be inaccurate and potentially damaging to my financial standing. 

In addition to the charge-off reporting, I have also been served with legal documents indicating that a civil case has been filed against me by Discover. 

The reporting started on XX/XX/XXXX. The last reporting was XX/XX/XXXX. The amount is XXXX dollars. The civil case was filed on XX/XX/XXXX.
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- XXXX XXXXI XX/XX/XXXX AXXXX 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

XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint against Capital One Bank for reporting an inaccurate credit card account on my credit report issue by credit brueau XXXX dated XX/XX/year>. A credit card account that does not belong to me as been reported on my credit report by Capital One Bank with a remaining balance of {$190.00} on XX/XX/year>. I have no relation to this credit card nor to this account. I contacted Capital One Bank Credit Card Department on XX/XX/year> via telephone to request information on this account, I was advised by a supervisor that the information I provided, as far as my Full-Name, Date of Birth, Full Social Security Number, and last four numbers of the account reported on my credit report is not in their system or I am demanding this inaccurate account to be removed from my credit report on XXXX immediately as this account does not belong to me.
Product: Debt collection

There is a collection that just appeared on my credit file through MIDWEST RECOVERY SYSTEMS collecting for XXXX XXXX, I have never had an account with XXXX XXXX. this is fraud. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to different representatives for over a month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I even have duplicate inquires on my report from where a creditor ran my credit twice within one month and a creditor is only supposed to be able to run your credit only once within a single month. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed. Today on XX/XX/2018 was the last time i contacted them and spoke to a person named XXXX who is a XXXX handler.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LATE PAYMENT FOR XXXX XXXX ON XX/XX/2021. IM DISPUTING THIS AS INACCURATE AND INQUIRIES THAT DOESNT BELONG TO ME FIRST ONE IS XXXX XXXX XXXX  XXXX XXXX SECOND ONE IS XXXX XXXX XX/XX/2021 THIRD ONE IS XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

Experian has my fathers name down as one of my names. I believe this might be the reason for there being accounts I have not opened on my credit report. When I try disputing the name on the website it instructs me to call the phone number " XXXX ''. When I do I am unable to get through any prompts or talk to anyone. This has been going on for months now and it has caused me many hardships. I am in need of working on my credit report and I need to get this fixed. I have tried writing in but I still have no gotten a response. If I can't dispute the name online and I can't call in, what am I to do? I have already written in.