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

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my Equifax, XXXX, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My business sold XX/XX/XXXX XXXX continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form XXXX on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to XXXX on XX/XX/XXXX. XXXX XXXX then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.XXXX would not send a copy. They have now turned this over to a collection agency XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report I noticed that there were multiple accounts listed that didn't belong to me. I have never had any dealings with these companies. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BAL- {$2400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX BAL- {$7700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX BAL- {$2700.00} OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX BAL- {$1300.00} OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX BAL- {$720.00} OPENED XX/XX/XXXX
Product: Credit card or prepaid card

I earn Membership Reward points from American express on my purchases. These points can be invested in XXXX XXXX if the account holder has a a XXXX account which I have. However for last XXXX weeks I have been trying to transfer and use these points to invest in XXXX. It is not working. I have called AMEX several times. First time, I called American express a month back and was told that I needed to contact XXXX. I called XXXX. After a week I received a call and the rep wanted me to do the transaction as per his instructions. It didn't work. I was told that AMEX will send a new card. I got the new card on XXXX XXXX. The new card didn't work. I had the same problem in transferring points to XXXX XXXX. I called AMEX on XXXX XXXX. The representative tried to help me but had to put me on hold and I got disconnected. I called AMEX again today and while on phone, the representative reset my password without my permission and I had problem in creating a new password. Finally, I got it taken care of. However, the original problem of point transfer to XXXX XXXX is still existing. Meanwhile, I am losing money because I can't invest the money.
Product: Checking or savings account

On XX/XX/24 I went to the ATM machine located at XXXX XXXX XXXX in XXXX XXXX Tx. I requested {$220.00} but the ATM only dispensed {$100.00}. My bank, Chime Bank, still posted the transaction as {$220.00}. I called immediately to Chime and they advised me to wait until the transaction was no longer in pending status to file a dispute. The next day on XX/XX/24, I did file a Regulation E dispute with Chime bank. My dispute was promptly denied by Chime on XX/XX/24. I requested documentation from the investigation and still have not received it. At that point I knew I needed to do my own investigation. On XX/XX/24 I called the number on ATM XXXX. An XXXX representative confirmed that an error did occur in my ATM transaction. The representative sent me an email stating that as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX RECORD NO. XXXX WITHDRAWAL {$220.00} FROM CHECKING US DEBIT XXXX XXXX XXXX <Error Mgr> State of ( optional ) device MONEY_CASSETTE_2 I did send this information to Chime and asked for them to reopen my dispute. Which they have not.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts is being reported inaccurately.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I signed a contract with XXXX XXXX for payment of my granddaughter to attend XXXX XXXX XXXX in XXXX XXXX, Florida. Comity Capital Bank ( Acct. No : XXXX ) was the servicing agent for XXXX XXXX. Due to Covid-19, XXXX XXXX XXXX in XXXX XXXX closed their doors. In addition, my granddaughter moved away and could no longer attend XXXX XXXX XXXX. In or about XXXX of XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX and advised them that my granddaughter had moved and will no longer be attending XXXX XXXX XXXX at any location. As a result, the contracts with XXXX XXXX XXXX and XXXX XXXX  was terminated. 

On XX/XX/XXXX, Comity Capital Bank advised me that I am responsible for the balance due on the loan of {$4800.00} XXXX {$7500.00} - XXXX credit ). This amount is incorrect and did not take into account the monthly payments that I had been making since XXXX of XXXX. In addition, because of Covid-19 and XXXX XXXX XXXX 's failure to timely resolve this matter, Comenity Capital Bank has improperly been charging me late fees of $ XXXX. I have attempted to resolve this matter with Comity Capital Bank ; however, they refuse to correct the problem. Instead, the bank is reporting me delinquent on a monthly basis with the three credit reporting agencies for the sole purpose of destroying my credit. As a result of the banks actions, my credit rating has dropped over XXXX points in the last seven months!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.
Product: Debt collection

I, XXXX XXXX principal holder, have wrote a letter to Nationwide Credit Inc letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act
Product: Student loan

The federal student loan interest rate is too high for borrowers, which does not provide incentive for Americans to pursue a higher education or enable them to save for their future. Moreover, if a borrower consolidates their federal loans, the interest rate becomes fixed for the life of the loan, locking in the borrower for years of repayment with high interest. This discourages Americans from pursuing higher education opportunities and does not enable borrowers to pay back loans in a reasonable time frame. High interest rates do not allow Americans to pay back their loans in time to save for their future through investing in a home, retirement or saving for their children 's education.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX 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 : ( XXXX ) : ( 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 on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, after more than a month of attempting to file an online dispute ( their site has been having technical difficulties for more than a month now ) I contacted Experian requesting a dispute of the bankruptcy on my credit file. They are the only one of the three credit companies that have been able to validate the information. It has been removed from the other two. In the dispute I requested to be provided all evidence demonstrating that the company provided proof that the data I have disputed was valid. I requested this be provided to me, from the company, in writing. They provided the dispute electronically and failed to provide any details. They stated, " The company that reported the information has certified to Experian that the information is accurate. '' At no time have they provided any details on how they validated the disputed information. They fail to provide any details and direct me to contact the company. It is not my place to contact the organization about information on my credit report, it is theirs. They are the ones reporting the data and I disputed it with them. If I need to contact the organization reporting the data, I need Experian to provide the data I requested. Namely the name and direct contact information of the individual ( s ) contacted at the organization, as well as their role in the organization, so that I may contact them directly. Of the three credit reporting agencies Experian is the only one that A : claims to have been able to validate the information ( the other agencies have removed the reported data ) and B : fails to provide the details as requested to demonstrate they in fact validated the data. I want to know who, what, when, where, and how the data was validated so that I may recreate the results. I request more than just a statement saying they contacted the company and validated the information. I want them to prove it. I refuse to " take their word for it ''. How was they contacted, verbally or electronically? Who did they speak with? What evidence did they provide to validate the information was accurate? When did they provide it and where did they provide it ( electronically, verbally, in writing ). I have requested this information, in several disputes on several occasions, they always just provide the same statement and fail to provide anything else. The bankruptcy on my credit needs to be removed or they need to provided details documentation to me on how this was validated, with whom, when, and by what means. I need the who, what, when, where, and how details to attempt to follow up on my own.
Product: Mortgage

On XX/XX/2022, payment was made to MidFirst Bank, regarding Account XXXX, held on the books of Midfirst Bank, by way of Registered Mail # XXXX XXXXXXXX XXXX XXXX XXXX, in an effort to satisfy the the Obligation. 

Pursuant to the uniform Commercial Code ( UCC 8-505 ), with MidFirst being a Securities intermediary, they are obligated to the Entitlement Holder for a payment or distribution made by me being the issuer of the Financial Asset. 

It is the duty of Midfirst to settle the obligations and provide notice to the Secured Party. Payment has been made via a Negotiable Instrument for the full satisfaction of the alleged debt. Please UCC 3-104. 

I need this Company investigated to get to the bottom of this matter. They have received payment and yet the account is reflecting a balance due and this account is being erroneously reported on the account credit report. This action meets the element of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXXXXXX thank you
Product: Vehicle loan or lease

I purchased a vehicle from Toyota within three days. I had a major malfunction, and when I took the car immediately back to the dealer, they told me that I had to take a rental, and that they would fix the problem service called me and told me that they could not legally allow me to drive that car because it had an engine issue so I called the car dealership and I told them that I needed a vehicle. I needed them to correct the situation because they sold me a lemon or I was going to get my lawyer involved Two weeks goes by they called me in to the car dealership. They tell me theyre going to make the situation better and theyre going to fix it. They waste my time the first time the second time I come back and they told me that they were going to get me a new vehicle because again the first vehicle that they had sold me and did a loan on and all of that had a major engine issue and I could not have that vehicle so in order for them not to have to deal with a long drawn out legal process they were going to get me in another vehicle. I wanted to make sure that the vehicle that they got me in came with the same warranty as the first contract because the XXXXst vehicle that I purchased from Toyota had a two-year warranty. They assured me that it did the only difference and this new contract was that I was going to have to get gap insurance because it was a newer car well lets go to three months and after that, Ive had my car for three months and then I get a call from Toyota in XXXX is now telling me that I have to add a {$200.00} a month warranty to my vehicle Because they lied when they got me in the the second contract and never had a warranty on it to begin with so now they want my already high car payment to go up {$200.00} a month and I cant afford that so I let them know when I went to the car dealership what my budget was it wasnt my fault that they sold me a bad vehicle when I came back to figure out if I needed to pursue legal action .They assured me they would fix the situation sold me a vehicle and lied about the warranty the 2nd vehicle they sold without the warranty I was told and assured my used vehicle would come with They continue to try to XXXX me over. three months down the line by demanding I come up with like a {$3000.00} for a warranty or an additional {$200.00} a month but I can not afford. Ive called Toyota Ive called corporate. Ive called the car dealership they have service call me and explain to me that I dont have a warranty and that I need to go ahead and establish that I dont know who else to complain too. I wouldnt of agreed to a car note and warranty note I can not afford and then I have no one to complain or help fix this situation at Toyota
Product: Credit card or prepaid card

I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with PNC bank. After submitting my application, PNC denied me of my right that I exercised in good faith of extending my credit. Pursuant to 12 CFR 1002 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right in extending my credit through their financial institution. This caused me some small damages and inconveniences due to the fact that I intended on immediately utilizing this credit extension for some family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c 1681 XXXXXXXX XXXX XXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed an Identity theft report on XX/XX/XXXX, and placed a fraud alert/security freeze on my credit profile.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXXXX/XX/year>. Since then, the date of the last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ) and on TransUnion its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX