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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the multiple attempts made to rectify the issue of a late open account at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. 

I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. 

I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. 

To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. 

This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. As a customer, I believe that timely and accurate resolution of issues is fundamental to maintaining a positive relationship with a financial institution. 

I request that you investigate this matter thoroughly to understand the root cause of the delays and provide a detailed explanation of the steps taken to prevent such occurrences in the future. Additionally, I expect a formal apology for the inconvenience caused and a clear outline of the measures that will be implemented to rectify this situation promptly. 

I appreciate your immediate attention to this matter and expect a comprehensive response within the exact timeframe of receiving this letter. Failure to address this concern adequately may compel me to escalate this issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXXXXXX XXXX Balance : {$10000.00}.
Product: Student loan

I began receiving payment requests for XXXX student loans that were placed with Aidvantage. I assume they received these loans sometime in XXXX. Payment notices began during XXXX quarter XXXX. The loans they are requesting payment on were all paid in full through a refinance process in XXXX. I spoke with a representative last week and provided documentation showing that the refinance company had paid off all of these loans in full. I disputed the debts both verbally with the representative as well as written through an email on their portal. I also provided documentation of the payments submitted by the refinance company to XXXX proving these loans were paid in full. 

As this account is now completely in dispute as of last week, they have continued to send me demands for payment. I received two over the weekend. In addition to that I have received an emailed letter today that is a general form letter asking me for copies of cancelled checks. If they would have actually read my dispute or reviewed the conversation with their representative from last week, or reviewed the documentation I submitted last week, they would see that I provided loan documents ( closing statements ) showing that the refinance company paid these loans in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian credit service but can't get on the site I call and a tech advised me the press Ctrl & Shift & Delete and my computer crashed he tried for two hours never fixed the problem I called another company that repaired my computer but still I can not get on experian site I sent experian thee emails with no solutions I want to get what I pay for every month I have been with experian for over 10yrs I know how to work the site I feel they should honor their product
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT .I DONT RECOGNIZE THESE ACCOUNTS AND I DID NOT AUTHORIZE THEM. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORTS, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Debt collection

My consumer rights are been grossly violated. CAVALRY PORTFOLIO SERVICES , LLC Is reporting a debt that I do not owe on my consumer report. Attach is my cease and desist letter that I have sent certified mail. I have not authorize ; or gave authority to this company to report anything. I don't even know who they are and how they obtained ; or possessed my private information without my authority this is aggravated identity theft pursuant to 18 usc 1028A ( a ) ( 1 ) and 18 usc 1028A ( c ) ( 8 ).
Product: Debt collection

I received an email from a debt collection company called True Accord. The problem is that there is not enough information about original creditor. In short the emal refers to a bank account and charges that were applied to a bank card.
Product: Money transfer, virtual currency, or money service

I have been a customer of Robinhood for a long time. Recently, after I lost my debit card, I began to use their Robinhood XXXX XXXX  as my primary debit card. After receiving a large sum of money to my bank account, I began transferring it in daily increments to my Robinhood account so I could use it. This worked fine for a few days, but then my XXXX XXXX began declining. When I reached out, I was told to generate ban k statements for both my main bank account, as well as the XXXX account I was using with Robinhood. Unfortunately, XXXX doesn't have statements, and when I told them this, they assured me that a photo of my debit card would suffice. After sending this documentation in, I was almost immediately told that my account had been closed and there would be no further action ( XXXX ). My funds were to be returned within 15 business days. On XX/XX/XXXX, Robinhood returned {$3200.00} of my {$4000.00} in the account. It has been nearly a month since then and they are still holding {$720.00} of my funds, and I have been blacklisted by their live chat, phone, and email support, only receiving the default email stating that Robinhood is " no longer able to maintain my account. ''
Product: Debt collection

XXXX Credit Bureau informed me that a debt collection was added to my credit file on XX/XX/year>. I promptly sent a letter to the collection agency requesting detailed information about this debt. I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX - Account # XXXX to XXXX and Equifax, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

Kohls/Capon Credit Services Department handling credit services XXXX XXXX XXXX WI XXXX Re : Cease and Desist Request Regarding Unauthorized Kohls Credit Account Dear Sir/Madam, I am writing to formally dispute a credit account listed under my name with Kohls ( or Capone ) regarding a store credit card account, which allegedly carries a credit limit of {$300.00} and shows a last payment date of XX/XX/year>. I have no knowledge of this account and never authorized any purchases or opened any credit lines with your company. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to dispute this account, and I respectfully request that you immediately cease and desist from reporting this account on my credit file. 

As per the FCRA, I am entitled to dispute any inaccurate information that appears on my credit report, and I request that you thoroughly investigate this account. I affirm that I have never authorized or signed for a Kohl 's ( or Capone ) credit card or participated in any transactions under this account. 

I request the following actions : Immediate removal of the account from my credit report. 
A written confirmation that the account will be removed and any associated late payment or other negative information will be corrected. 
A formal notification to me within 30 days of the completion of your investigation in accordance with the FCRA. 
Please note that failure to respond or resolve this issue may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant consumer protection agencies. 

This is a formal request for immediate resolution, and I look forward to your timely and professional attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Subjet : Removal of disputed accounts On XX/XX/1023, I noticed some inaccurate information on my Transunion Credit Report. I made disputes on Transunion online portal and I sent in the proper identification and documentations for Transunion to remove the accounts. I requested a copy of the method of verification process four separate times since XX/XX/2023 and Transunion never produced any documentation of the XXXX separate processes. According to the FCRA law, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about who the report relates. 15 USC1681s-2 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. Please note that I am aware of rights under the FCRA, and I am prepared to take appropriate legal action to protect my rights as necessary. It's been way over the time frame allowed under the FCRA law.I expect to hear from Transunion in 15 days of receiving this letter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Approximately XX/XX/year> at XXXX my brother sent a small {$10.00} chime to chime transfer to my account. The transfer never was sent through chime as my brother sent an email of the confirmation being made and I recieved an email my brother sent the {$10.00} to my accounts.. However the small fee would be held and not applied to the account. I also have Email confirmation and a photo my brother sent as well. This attendant still chose not to release it. She would not state if she could see the transaction as well. Then said ny brother would need to call cause he sent the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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 : CHILD SUPPORT XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  XXXX Bankruptcy Account number : XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Upon examining my credit reports, I observed an instance of a late payment on my XXXX XXXX XXXX XXXX  account # XXXX, which I have consistently maintained timely payments on. Attached are screenshots depicting the account statement displaying a late payment in XX/XX/, as well as my bank statement showing where the payment was made in full during the month of XX/XX/2023. 

Kindly conduct an investigation to verify and furnish evidence demonstrating the lateness of the payment. If no evidence can be provided, I insist that the late payment status be rectified to reflect " paid on time, '' as I have never defaulted on my payment obligations.

Thank you for your prompt attention to this matter.

[ Attachments : Screenshots ]
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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: Debt collection

XXXX XXXX ( working on behalf of American Express ) has  continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This XXXX I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts.

HELP!!!!!!!
Product: Mortgage

All of the selections I selected have nothing to do with my mortgage even though I am over 30 days I just started a job and will pay my XXXX mortgage on XX/XX/XXXX when I get paid, and my XXXX mortgage will be paid on the XXXX when I receive my social security check. I will be current now that I have a job. 

My issue is today XX/XX/year>, starting at XXXX XXXX  I received a call ( XXXX ) from a mortgage company telling me they want to discuss a mortgage with me I told them I am not looking for a mortgage and where did they get this information, and he said Fairway Independent Mortgage sent them my information. 

XXXX XXXX, I received another call from a mortgage company ( XXXX ) about providing me with a mortgage. 

XXXX am I received another call from a mortgage company ( XXXX ) about providing me with a mortgage. 

Three calls within 1.5 hours telling me Fairway gave them my info. This is harassment. 
I have attached a copy of my phone log showing these calls. 

Why is Fairway providing other mortgage companies with my personal information? Advising these mortgage companies that I am looking for a mortgage when I am not. I feel these actions are an invasion of my privacy. 

This is the second time that Fairway has exhibited harassing behavior. These are poor business practices.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 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 XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

1. High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, '' while the second report lists a high balance of " {$7100.00}. '' This inconsistency raises concerns about the accuracy of the reported information and the actual highest balance associated with the account. 

2. Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$14000.00}, '' while the second report lists the balance as " {$7100.00}. '' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

The inconsistencies in reporting, particularly in the payment history section, further highlight the need for a comprehensive investigation and correction of the credit reporting for the XXXX XXXX XXXX account. It is essential that the credit bureaus rectify these discrepancies promptly and ensure the accuracy and completeness of the reported payment history. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Product: Credit card

XXXX XXXX XXXXXXXX. 

This is what occurred plus the additional information I provided back in XXXX of this year. I have been in the process of locating an attorney to pursue a lawsuit similar to the above due to the infringement of my rights as consumer, not to mention the attorney I did speak with told me that it was illegal to deny the claims of fraud and that the card based on evidence provided to the attorney was duplicated. The fraud was an inside job and the company refuses to do a thorough investigation ( did not know I could be in Texas and Georgia at the same time using the same card ).