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

XXXX XXXX XXXXXXXX - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to XXXX XXXX. See attached letter confirming.
Product: Credit reporting or other personal consumer reports

My data was breached through the equifax website and I became a victim of identity theft. Not only do I have debt from the breach but all of my information is incorrect. Name, email, address, phone number, income etc. I have companies like XXXX charging double what my payment was supposed to be, credit cards getting maxed out with unrecognized transactions and more that shall be determined after review of my credit report that I have yet to receive. I find it to be criminal behavior to hide the breach as good as they did to dodge paying consumers that were breached. On top of that I am XXXX and wasn't available for a year due to being in an institution. So by the time I found out it was too late unless we are still able to add up the financial cost of the breach and bill them. I'm still not clear on that part. I have not been able to get into the equifax application and I am financially burdened. Therefore I can not afford to send letters out to all of these intities. I live in a homeless shelter and I hardly have money for food. I also called XXXX and advised them mu credit was breached and instructed them to notify all intities. I advised them it was a recorded call.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed I have two late payments on an account that I was never late for. The account was on autopay. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account listed below with screen shots and dates. 

XXXX Account Name : XXXX XXXX XXXX XXXX Reported balance {$2500.00} Dates reported late XX/XX/XXXX and XX/XX/XXXX ( Due to a bank Issue ) Date of last payment XX/XX/XXXX Past due amount {$59.00} Account status Not more than two payments were reported as past due incorrectly Date Reported XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to be paid as agreed on time as they should be since I was never late. Thanks. Please see attached 2. Account Name : XXXX XXXX XXXX : XXXX Dates reported Late Incorrectly XX/XX/XXXX and XX/XX/XXXX Agent Mistake at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft and did not make these charges, the items that need to be removed from my report are listed in my supporting documents.I have never done any business with this companies. This company does not have contracts with my signature.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  accounts are still showing on my XXXX  credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. XXXX has yet to remove them.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of XXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 1681e ( b ), Compliance Procedures As per Section 607, Accuracy of Report, A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 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. As proof of my identity, I have included copies of my Social Security card, These are my information, please remove any other names, non-mailable addresses, and phone numbers from my credit report. 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt-out notice to consumers ; opt out methods.

a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! None of the companies that i have credit cards with has provided copies of the IRS forms such as 1099c,1099a and 1099OID filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS.companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over {$600.00} U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. 
My credit report shows this is my account number XXXX XXXX XXXX / XXXX XXXX, however, on the XXXX website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 



Below Ive attached all charge-offs on all three of my credit reports. Please remove all charge-offs and inquiries and student debt from all 3 credit reports.

Please remove All inquiries on my credit report under 15 USC 1681 for permissible purposes.

Please remove all other names, addresses, phone numbers, and email addresses other than the ones that I have provided here
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX   2017  I submitted an   XXXX   XXXX   of  XXXX   XXXX  in the  USD  amount of {$26000.00} as confirmed by the Companys Records on COINBASE. Shortly after submitting this transfer request and receiving confirmation, the Coinbase site put up an  XXXX   XXXX  stating that all  XXXX    XXXX   would be delayed due to high volume requests . ( a  transfer of this nature usually t akes 10-20 minutes ) Well,  I could not cancel my transfer request at this point so I was locked in.   Approximately  26  HOURS later, I received an email from COINBASE, stating that my transfer of  XXXX   XXXX  was complete at a value of {$19000.00}, leaving me {$6600.00} short. Now, a slight variation might be expected in normal trading, but due to the fact that  COINBASE  was unable to handle the volume, it took about  26 tim es the amount of time to complete the trade and in the meantime I 'm out {$6600.00} dollars.
Product: Credit card

I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do.
Product: Debt collection

For any collection account, we will visit 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. A Consumer can refuse to pay a debt collector XXXX 15 USC 1692 ( c ) ( c ) I Never gave my permission to furnish any false information on my credit report! Its a violation of my lawful rights. 

I have the rights to privacy! And to report any thats being reported inappropriately. 
Please remove this account from my experian and XXXX! 
PORTFOLIO RECOVERY ASSOCIATES!
Product: Vehicle loan or lease

XX/XX/XXXX, XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX also known as XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX suppose to pay the difference between the XXXX and the contractual loan agreement remaining balance after a deer collision that XXXXXX/XX/XXXX totaled a XXXX XXXXXX/XX/XXXXno.XX/XX/XXXX XXXX XXXX. XXXX : XXXX, XXXX I.D . No : XXXX, Date of Loss : XX/XX/XXXX/2025. 
Balance owed {$9000.00} minus by {$3100.00} paid, but leaving a balance of {$5900.00} owed to the lender : Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX thatXX/XX/XXXX suppose to pay the full remaining balance of {$9000.00} of the auto loan not a partial payment of {$3100.00} and leaving a balance of {$5.00}, XXXX on my credit report from 2 out 3 credit bureaus and preventing me currently from financing another vehicle after a deer collision I am the one without a much needed vehicle to get to work and pay my bills, ISN'T this a unfair and deceptive violation of my Consumer Protection Rights to advertise their XX/XX/XXXX pays out the complete full remaining balance and then XXXX XXXX XXXX didn't pay the full amount according to Credit Acceptance payment history email to and According to XXXX XXXX XXXX XXXX own statement mailed to me showing they didn't pay the entire remaining loan amount, isn't that a violation? 
Sincerely XXXX XXXX
Product: Debt collection

I am in the process of buying a home and when thy verified my credit, there is a medical debt coming out only in my XXXX credit co and it does not belong to me. I had sent a letter communicating this issue to XXXX but never answered and more than 45 days have gone by. I would like this issue to be resolved ASAP. I will be sending you the letter as an attachment.
Product: Mortgage

I have been trying to contact my mortgage company for hours with no luck. I cant even get on hold for the next representative. I need to contact the insurance dept. I have an insurance claim pending and need to send the the check to cosign so i can pay the vendors. After jumping through numerous prompts all i get is their voice mail system and you need an ext or a person 's name to connect, which i have neither. I cant afford to pay to the repairs myself and need to speak with someone who can give me instructions on how to get the check signed by them or for them to waive the fact they need to cosign in which case i just need a email from them stating so
Product: Debt collection

XXXX and XXXX reporting a debt in the amount of {$100.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had XXXX through the state of Virginia and also XXXX insurance XXXX  to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information and can not get my free credit report As of : XX/XX/2020 Report Confirmation # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. XXXX, TransUnion, and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
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. 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 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 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 Acct # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that 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. 1681c ( a ) ( 5 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I've already tried to dispute this false charge and sent proof I had an active account at the time so could not be accurate according to XXXX 's company policy on continued service. Further more a lie was stated in the response as I've never spoken to anyone saying " I never had XXXX '' that was a lie an now harassment and slander!
Product: Prepaid card

Received an American Express Virtual Reward Card as part of a promotion in XX/XX/2022. Since then, I've tried to use multiple physical stores and online ( without success ). I've called the customer service department several times, and each time, they have told me that it should work and to try again. It never works. Meanwhile, {$3.00} keeps being deducted from my account each month that the money is not used.
Product: Credit reporting or other personal consumer reports

My address is incorrectly listed on my credit reports. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We tried to make a transfer from Credit Karma savings account to Credit Karma checking account but received an error message saying we had already hit the max 6 withdrawals per calendar month. We decided since we needed the money we would close the savings account and transfer the balance to the checking however in order to close the savings account you have to link an external bank account ( which we got error messages when trying to do ). Because of this we reached out to Credit Karma on XX/XX/XXXX to assist with closing the account for us and transferring the balance to the checking. They were quick to respond and had us confirm we would like to close account. After we confirmed there was no further response from Credit Karma. After 2 days ( XX/XX/XXXX ) we called Credit Karma for follow up and were told that they would escalate and we should receive an email. Yesterday, XX/XX/XXXX our savings account was closed and money withdrawn but NOT deposited to our checking account. We emailed AGAIN asking where our money is and got no response. This morning XX/XX/XXXX when trying to call the same number we called on XX/XX/XXXX we get a busy signal or just a failed call in general. We have no idea where our money is and the company has refused to respond to any of our requests for information.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Inaccurate Reporting XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am writing to demand the immediate correction of inaccurate information being reported on my consumer credit report regarding the XXXX XXXX account ending in XXXX. This account is being incorrectly reported as charged off, which is false and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which requires accurate reporting by furnishers of information to consumer reporting agencies. 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX regarding this account. In this complaint, I requested the 1099-C form typically issued for a charged-off account. However, as per the attached CFPB response from XXXX XXXX, the account was not discharged or settled but was instead sent to an outside collection agency. This directly contradicts the charged-off status currently reported on my credit file. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. The inaccurate reporting of this account as charged off is a clear violation of this standard. Furthermore, under 15 U.S. Code 1681i ( a ) ( 1 ), you are obligated to reinvestigate and correct any inaccurate information upon dispute. 

I demand that you immediately update my consumer report to reflect the correct status, as indicated by XXXX XXXX, and remove the erroneous charged-off notation. Failure to correct this error within the legally mandated timeframe will result in further action, including additional complaints with the CFPB and legal recourse under the FCRA. 

Additionally, please send me an updated copy of my credit report once the necessary corrections have been made. I expect confirmation of these changes and receipt of the updated report within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

There have been some unauthrized hard enquiries on my Transunion credit report with the name " XXXX XXXX '' on XX/XX/2024. It looks like someone is trying to apply for credit cards under my name using my SSN without my consent or knowledge
Product: Checking or savings account

For over two months, I have not been able to access my bill pay account through my online bank, Capital One. I only have full access to my bill pay through my desktop browser, not my mobile which gives limited access. It is the desktop that is not working, but has the full access. Each time I have tried to access my bill pay through my desktop, I receive the same messages " Oops, we've hit a snag! Looks like we ran into a snag displaying this account, but we're working on it. Please try again in a bit. '' and " Oops, we've hit a snag. 
We ran into a snag trying to retrieve your account details, but we're working on it. Try again in a bit, or give us a call at XXXX. '' This has consistently been the messages I receive when I try to enter my bill pay. I have called customer service on a number of occasions and have been told that they are aware of the problem and are escalating it. I have been into the internet cafe for assistance. I have sent emails. All to no avail. Since this is an online only account, I do not expect to wait this long to have a resolution to this electronic problem. I am now highly suspicious that the bank is discriminating against me for some reason and is trying to shut down my account by inconveniencing me. When I have spoken with customer service, they direct me to the mobile site, even though it offers different and inferior access. It does not allow me to enter recurring payments or to get details of merchants that are listed for payment. For instance, I can not see account numbers to make sure I am paying the right amount to the right merchant when I have more than one account with a particular company. In fact, I tried to pay some insurance bills today, but because the mobile site doesn't tell me which of two accounts I am paying, and each needs different amounts, I can not tell what I am doing at all. Since I have waited over two months trying to deal with this bill pay problem and with no effort from Capital One to reach me to resolve this matter, I am convinced they have no intention of doing so. 

As someone who has been a customer for over 12 years, without prior problems, I would like to know why Capital One is making it so difficult for me to use my account so that I am forced to shut it down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email XXXX XXXX Date : XX/XX/XXXX Transunion XXXX XXXX XXXX, XXXX PA XXXX Dear Transunion, I've been affected by the data breach. The following accounts have been reporting negatively on my file. Please take a look at the attachments below. XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX