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

XXXX XXXX XXXXXXXX is currently reporting late activity. This account was paid in XX/XX/2016. As a result, I am exercising my rights under the FCRA. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an 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, credit repair services, or other personal consumer reports

I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute because I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws regarding my credit report. These issues involve willful noncompliance, deceptive reporting practices, and unauthorized actions affecting my creditworthiness and personal information. Specifically : Willful Noncompliance ( FCRA Section 616 ) : My credit information was accepted and reported without proper verification, which constitutes willful noncompliance with the law. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My rights to opt out of sharing personal information were not disclosed, which is both deceptive and a violation of my consumer rights.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : Inquiries and accounts were reported inaccurately and without proper validation, violating GAAP and my rights. 

Unfair Debt Collection Practices : Inaccurate debts were reported without my consent, leading to harassment and unnecessary stress.

Disclosure of Debt Information to Third Parties : Debt collectors improperly shared my debt information with credit reporting agencies, breaching regulations prohibiting such disclosures. 

Misrepresentation of Late Payments : Late payments were inaccurately reported without clear definitions or validation. 

Improper Finance Charge Determination : Finance charges were calculated and reported inaccurately, further compromising my report. 

Unauthorized Inquiries : Several hard inquiries were made on my credit report without my consent, violating permissible purpose requirements under FCRA Section 1681b ( a ) ( 2 ).

I am requesting immediate action to address these violations, including validation of debts, correction of inaccurate reporting, removal of unauthorized inquiries, and compliance with all applicable laws. If these issues are not resolved promptly, I will have no choice but to pursue legal remedies to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit are wrong
Product: Money transfer, virtual currency, or money service

This is a complaint about Paypal, but I will provide details for all parties involved. 

XX/XX/2021 - Online purchase from XXXX XXXX, XXXX for {$370.00}. The purchase was made from my Paypal using my XXXX bank credit card XX/XX/2021 - Filed a dispute with XXXX banks because XXXX XXXX, XXXX refused to refund after the returns were received. 

XX/XX/2021 - I closed the dispute with XXXX banks because XXXX XXXX, XXXX contacted me and said they would refund me. I received a refund of {$210.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX, totaling {$370.00} XX/XX/2021 - XXXX receive an email from PayPal stating that they've debited my PayPal account balance because I received a duplicate refund on my credit card. 

XXXX XXXX XXXX - XXXX contact PayPal about this problem, they said that they charged my PayPal account balance because when I filed my bank dispute, XXXX banks requested a refund from PayPal. Since PayPal is not authorized to request the money back from XXXX banks, they took money out of my account ( Even though I did not actually receive a duplicate refund ). 

Problem - I lost {$370.00} from this transaction because PayPal debited my account with a false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is debt on my credit report that I did not create. I suspect someone opened an XXXX XXXX XXXX account in my name and now it is fraudulent, past due several years, and with collections. I didn't realize what happened at first and then discovered it later and am trying to recover my credit. 

I suspect it was my mother who had access to my social security number, but I'm not sure how I am able to prove this or why XXXX XXXX XXXX let the services last for so long without terminating as the bills were not being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.
Product: Debt collection

I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$23000.00}, {$39000.00}, {$10000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry for XXXX XXXX  on my Equifax credit report that I did not make. I have never had any dealings with this company. I call XXXX XXXX XXXX they have no information regarding me. I called Equifax XXXX and they said call XXXX  XXXX and that they could not dispute hard inquiries. This inquiry is dated XX/XX/XXXX on Equifax. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX - Telephone Companies This inquiry could stay on your report unti XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry
Product: Credit reporting or other personal consumer reports

I woke up this morning and found inaccurate accounts on my credit report, and Im completely baffled. I check my report regularly, and this is the first time something like this has happened. I thought it might be a browser glitch, so I refreshed, but the errors stayed there. This is incredibly frustrating, and now Im asking that the documents I submitted be reviewed thoroughly so I can stop worrying about this ever happening again.
Product: Credit card

There are several fraud alerts on account. The Capital One Card was open through XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( I have open complaint with XXXX  XXXX XXXX XXXX : False advertising ( ( Grant contract of $ XXXX {$400.00} dollars XXXX ) ) Refused to give my Diploma ) ) The XXXX XXXXXXXX XXXX XXXX offered me the Capital One Card to Start a Entreprenurial Business. I had the card monitored. 
The Venture card {$700.00} limit to help build my credit.

There were problems receiving paper statements. I went to Capital One XXXX XXXX to complain. I introduced myself to the bank customer service representatives used their phone. 
I have been paying a credit card bill. There is a second credit card active and missing. 

I have complained in the USPS mail. 
I have complained on the phone.
Product: Checking or savings account

EASTERN BANK OWES ME MONEY FOR INCOMPETENT HANDLING OF MY ACCOUT FOR MY BUSINESS. 

Eastern Bank reports on a banking site that I owe THEM money and that is preventing me from getting a checking ACOUNT AND/OR AN ATM CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX   XXXX ( ORIG CREDITOR:11 XXXX XXXX )
Product: Credit card or prepaid card

Credit Card company is USAA My primary Bank is XXXX XXXX Used my XXXX XXXX online Bill Pay to make payment to USAA. I have used this system many times to pay this bill and has never been a problem. 
Payment of {$250.00} was made on XX/XX/XXXX. 
Two weeks later, I received notice that my credit card payment was overdue. 
Checked my XXXX  account and saw where the money had been taken out of my account. 
Contacted USAA and they stated that they could not find the payment and that I would need to provide proof that payment was made. 
Uploaded a copy of the 'ACH Item Detail ' on the evening of XX/XX/XXXX to the USAA web portal. 
Contacted USAA XX/XX/XXXX to check the status and was told they could not locate the ACH Item Detail I had uploaded. They stated they would look for it. 
Received a call from USAA collections department the morning of XX/XX/XXXX. They stated my credit card was overdue and that if I did not pay the XXXX bill, they would be reporting me to the credit bureaus. 
Only after explaining they USAA had lost my payment and there was an active investigation did they bother to look at my account and see that there was a case. 
Called USAA the morning of XX/XX/XXXX. Was told that it would be a 'couple more days ' for them to resolve the issue. 
In the meantime, they have frozen the credit card and I can no longer use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws. 
Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course 6000 rule.

Wet Signiture Notarized Legal in the first place
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the EquifaxXXXX XXXX XXXX XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information currently reported on my credit report. After thoroughly reviewing my credit history, I have found that all the reported data is inaccurate. I request that you delete these inaccuracies immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information in my credit report. The FCRA mandates that credit reporting agencies investigate disputed information, typically within 30 days, and remove any information found to be incorrect. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) protects me from any deceptive practices or misrepresentation by debt collectors.

I request that the erroneous information be corrected and that an updated copy of my credit report be sent to me. Thank you for addressing this matter promptly, as required by law.
Product: Student loan

I took out student loans to pay for graduate school in   XXXX  . When I graduated, I was enouraged by    XXXX   XXXX  /  Navient to  consolidate my federal loans with my private loans, which they held and I was encouraged to put my loans in forbearance several times when I asked for help with repayment terms that would make my payments more manageable, as I was just starting out as a public school teacher. They told me that there were few options for repayment and that forbearance was the easiest. They offered no alternative plans or solutions.     In addition, when I became a teacher and learned about public loan forgiveness act, I called several times to inquire about qualifying loans and was told that I would n't qualify and that I was already on the lowest payment plan and that my loans did n't qualify for forgiveness. I ended up contacting the federal government to consolidate all my federal loans with them and am now on year  four  of the plan.     I have been repeatedly given bad information. This information cost me several years of loan forgiveness I could have had through the public loan forgiveness act because I 've been a teacher for 10 years.     When I filed a complaint originally, they did n't really respond to the nature of my complaint. I got a generic response. I contacted the Attorney General 's office and filed a complaint through them because my state is currently suing   XXXX   XXXX  /Navient for similar reasons.     I 'd like my loans  discharged. I h ave paid faithfully, despite constantly receiving misinformation from the company. I pay and pay and the principal barely goes down due to the outrageous interest fees which accrued over the years, especially during forbearance. I feel I 've been kept in debt by them through these interest rates and feel there is no way to get out. I feel that 10 years of consistent payments should have at least brought down my principal significantly. Instead, it remains practically the same as when I took it out, plus several   thousand dollars of interest.
I 'd like to have my loans discharged. What do I need to do?       Sincerely,  XXXX   XXXX
Product: Debt collection

I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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: Payday loan, title loan, or personal loan

Go payday advance for {$580.00},. In XXXX, Texas. They close down when I was still paying in person. The next time it reopen I was told since I didn't pay it when to a collection agency. And I had to pay for their fees. I was never given a written notice or a call where to pay. I'm also getting threatened that I got a warranty for my arrest for check fraud XXXX,. When I call the guy would not give me his Street Address, state license, he just accused me of call him and he left messages with my parents in Arizona tell them to call them and leaving the phone number : XXXX. And ask for Case number XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I ordered, through the website, a product from XXXX that they claimed was instock. On XX/XX/2023 I received an Email from XXXX claiming the product was on backorder. 
On XX/XX/2023. XXXX charged my Capitalone  XXXX account for {$170.00}, but did not send the product ordered. 
XXXX XXXX XXXX XXXX order was cancelled for failure to deliver the product. On XX/XX/XXXX an Email from XXXX stated that the order had be cancelled. 
XXXX XXXX XXXX a dispute was file with Capitalone about XXXX failure to return the amount charged. On XX/XX/XXXX an Email was sent to XXXX about not returning the money and that a dispute was open. On XX/XX/XXXX Capitalone credited my about {$170.00}. On XX/XX/XXXX XXXX returned the money. On XX/XX/XXXX Capitalone charge a purchase adjustment of {$170.00} to my card and is refusing to remove it claiming that the extra credit is unpaid when in fact basic math shows that all has been paid. Capitalone is refused to remove the XX/XX/XXXX claim which would be paying them an extra {$170.00} that Capitalone is not have a right too.
Product: Credit reporting or other personal consumer reports

They claim they are not reporting it on my credit .. That they do not own it. and that there company innt trying to collect on this account and that NO WERE! is the name on credit reports. I sent them proof a copy of my XXXX and other credit reports plus I am sending you a copy as well THIS IS A REPLY BACK TO XXXX i uploaded a copy of the proof that this company is on my credit report even though they claim they are not! Also they admitted with there own word that this account isn't being collected by them and that there name isn't on my reports showing collection causing me problems false claims making my credit lower
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Experian is reporting following personal credit checks which were not authorized by me. I tried to call them there is no answer all voice recording. 
Following inquiries must be removed from my record I did not authorize them 1. ID # XXXX 2. ID # XXXX 3. ID # XXXX 4. ID # XXXX 5. ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Barclays Card Co. to pay me back {$140.00}. But they never do it. It forced me to file complaint to your CFPB office.

However I never get any answer from your CFPB office Nor any answer from Barclays Card Co. WHY my case was closed very unfairly?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX