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

I am submitting this CFPB complaint to formally request an investigation and deletion of the accounts that appear to be misleading and inaccurate on my credit file, as per the provisions of the Fair Credit Reporting Act. The Following accounts shold be investigated and corrected by eahc of the Credit Bureaus respectively : For the Account XXXX XXXX, XXXX. XXXX XXXX : {$0.00} I have always had a stellar payment with this account as Experian and XXXX XXXX see. I do not know how this account suddenly reported as late! There is a clear negligent of duty here, as Experian and XXXX are clearly reporting unverified and misleading information. I understand the importance of maintaining a positive credit history. However, this late payment does not reflect my overall creditworthiness. I have a strong track record of making timely payments, and the late payment Experian and XXXX report on this account has caused me damage. I do not know where Experian and XXXX got this information, but I need Experian and XXXX to have this account removed for reporting erroneous and damaging data. 
And the Following accounts : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} and XXXX XXXX XXXXXXXX Balance : {$0.00} I need to bring these issue to XXXXXXXX XXXX XXXX as this inaccurate reporting of information has caused me severe damage. THIS ACCOUNT IS ONLY REPORTING ON XXXX CREDIT BUREAU. The information XXXX is reporting on this account is already outdated and misleading. I do not know how and where XXXX was able to maintain this outdated information, but XXXX 's continued report of such information is unacceptable. If only XXXX 's Record Keeping had been accurate and if XXXX actually kept tabs, this account should have never been reported at all. Under the protection of the Fair Credit Reporting Act, I request an immediate deletion of this account completely from my Credit File as soon as possible.
Product: Student loan

The payment that they have me on I cant afford at all and when I was making nothing they had my payment high. XXXX I try to get the information from my taxes and my payment is to high and everything is high when you are trying to get a house and food and kids as well.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : CAPITAL ONE ACCOUNT # : XXXX I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX. They ( CAPITAL ONE ) received that letter with certified returned receipt : XXXX on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. 

TRACKING NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and It's been so agitating waiting for Experian 's feedback to my previous complaints about getting some incorrect stuff in my report. All the items that are reported were truly inaccurate and erroneous. I have been sending you written requests to correct these items but you have failed to do it or at least notify me about the status of my requests. Below are the questionable accounts I am disputing. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

My XXXX was stolen in XX/XX/year>. My virtual wallet and all of my accounts were compromised. A charge of {$40.00} was made without my knowledge or consent. I reported the theft to Apple and the XXXX. I provided proof of this to Goldman Sacs. The bank refuses to refund me.
Product: Credit reporting or other personal consumer reports

Requested the verification of all address listed on my report and the removal of addresses listed on my report. 
The only address that should be listed on my report is my current address which is. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/23 at XXXX I received a text alert from capital one asking whether I tried to make a purchase at XXXX XXXX XXXX XXXXXXXX for {$1400.00}, and to text back yes or no to protect my account. At XXXX and within 4 minutes, I texted back no, and that I did not recognize the charge. in the interim, capital one allowed the charge to go through without waiting for my reply. that is, they asked if I had authorized the charge/purchase, and before waiting for a reply, they approved the purchase rather than declining the purchase. I called capital one and immediately cancelled my card indicating that I had not made such charges and ordered a new card. I notified capital one that I had not lost my card, it was not stolen, and that I was in possession of my card. I called the merchant and the merchant indicated that yes someone with " my card '' had made the purchase and had just left the store not too long ago. in fact, they had the person on their surveillance camera. It was an XXXX XXXX male. I am XXXX XXXX XXXX. Capital one conducted a fraud investigation and determined that I was responsible for the charges because it was an in-person purchase with a card with a chip, and that I never reported my card being lost or stolen. capital one is insisting that I am responsible for these charges. Had I lied and told capital one that my card was lost or stolen, then I would not be responsible for these charges. That's outrageous! I have since cancelled my entire account and am in the process of filing a formal police report for the incident to be investigated. I asked capital one to provide me with the details and results of their investigation, and they indicated that they do not provide the results of a fraud investigation to their customers. This entire incident is completely outrageous and unacceptable on numerous levels. Please, can you assist me with resolving this issue? Please feel free to call me at XXXX. LESSON LEARNED : IF THERE ARE UNAUTHORIZED CHARGES ON YOUR CREDIE CARD AND YOU HAVE THE CARD IN YOUR POSESSION, TELL THE CREDIT CARD COMAPNY THAT YOUR CARD WAS STOLEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several accounts with XXXX XXXX, XXXX XXXX XXXX, and Navy Federal Credit Union that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via USPS certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question.

All request have gone ignored and not furnished from any of the companies in question.

I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX  representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.
Product: Credit card or prepaid card

I have setup automatic payments with American Express for several months. I do this in order to 1 ) pay off the full balance my credit card every month and 2 ) avoid interest charges. 

For my statement ending on XXXX, my automatic payment of {$6200.00} was processed via auto pay XXXX. I was under the impression that this would prevent me from being charged interest afterward. However, I was assessed an interest charge of {$280.00} on XX/XX/XXXX. 

I called American Express to try to fix this issue and they were of no help. They essentially told me they can not guarantee interest will not be charged after an autopay is made. 

This practice does not seem fair to me as a consumer. If paying off the full balance by the due date does not prevent interest charges, what does?
Product: Debt collection

I was evicted from an apartment. XXXX XXXX was contacted to stop service and they never did. I have proof on the clerk of courts for the dates they've charged me I was not staying there and they've refused to take the debt. They sold it to BULLCITY FINANCIAL SOLUTIONS INC. I've never received written notice about this debt. Also, the collections agency License number that they've displayed on their website expired in XXXX XXXX ( XXXX ). Bullcity Financial solution inc. is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Credit card or prepaid card

I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Vehicle loan or lease

Hello, I called around XXXX on XX/XX/2023 to ask Ally Financial about removing a repossession from my credit. I co signed for a loan and it defaulted and was repossessed as soon as i became aware I completely took over the vehicle payments and they have been on time ever since. I have been denied from buying a house for this and this is holding me back a great deal. It has been at minimum two years since I have not missed a payment I would like some assistance so I can move forward. 

Thank you!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to

FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. These addresses were used to open accounts in my
name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been in rehab from a XXXX the last 7 years. My Family has been handling my affairs. XXXX XXXX XXXX XXXX XXXX The only address I have legally used is XXXX XXXX XXXX, XXXX, GA XXXX. I am homeless at this point. With this FTC Identity Theft Affidavit, I am reporting several distinct false accounts that I do not recognize as stated and that are the outcome of identity theft and fraud that are showing up on my consumer FICO credit report.

A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaints # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts and Addresses listed above are all the product of fraud and identity theft. Also enclosed is a Police Report from XXXX Police Dept documenting these fraud accounts and addresses.
Product: Checking or savings account

A bank account was fraudulently opened at Capital One in the name of our company. We first learned about the fraudulent account when our company received a statement for the account for the period XXXX XXXX XXXX XXXX XXXX The statement showed a {$5000.00} XXXX deposit from me, personally, which I never made, from a bank I have never heard of ( shown on the statement as XXXX  ). I immediately called Capital One to ask them to close the account, and to complain that the bank account was fraudulently opened, and that XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) never authorized opening any such account, and that I not only wanted it closed but also wanted as much information about the account opening and the deposit as possible, to be able to investigate possible identity theft. The bank took my information, and said if I wanted to reach their fraud department I could only do so by fax and must include all my identification. I followed the instructions and faxed my ID and my questions to the fax number I was given. I repeated this entire exercise the next month when we received another statement, and again the month after, when we receive a third statement along with a notice that the account was overdrawn. I have not received any response from the bank to my questions. Each time I was told someone would get back to me, but no one ever did. After the third statement arrived with the notice the account was overdrawn, I was simply told not to worry, the matter was being looked into and the bank wouldn't be trying to recoup the money from our company. That was not a response but an excuse for not responding. I WANT INFORMATION how this ever could have happened in the first place. The bank was either negligent in checking the identity of whoever opened the account in our company 's name, or something else went wrong, but I can't get any information whatsoever from the bank. It's like talking to a stone wall. I am attaching for the CFPB my three faxes to the bank and most of the attachments to them ( but am not including my IDs, which were attached to those faxes ).
Product: Debt collection

The service was provided by XXXX XXXX, and paid in full at location. Now the account was sold or transfer to Gulf Coast Collection Bureau and reported to the credit bureau XXXX as an Open Collection for {$310.00}. Affecting negatively and unfairly my credit history and subsequently my credit score. I called XXXX XXXX at their billing department, and she confirmed the account was paid in full, therefore there is no reason for them to send my account to collection.
Product: Mortgage

I am a 20 year XXXX XXXX service member. I have a family of XXXX. My wife is XXXX. I had orders to move to Florida. I lost a substantial amount of income and initially asked about a short sale 3years ago and was told my account wasnt eligible. I found out later by my commanding officer that I should be eligible since the orders forced me to move. Citimortgage finally agreed. I have had 3 offers submitted at their asking price. The first offer at the last minute they changed the price and I lost that buyer. They have since raised the price to XXXX which is inconsistent with other short sales I the area. I feel as though they are discriminating against me. Why would a buyer expect to pay full price on a short sale. I am asking they reevaluate the price point also there needs to be some accountability for timelyness. They took so long to approve the offer that I lost 2 more buyers. I think they are trying to force me into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )
Product: Checking or savings account

On XX/XX/2023 my employer XXXX XXXX released my pay day funds to chime for direct deposit. The direct deposit was never released to my account, I checked with my employer multiple times and they have all accurate information regarding the account ( routing number, account number ). After contacting Chime multiple times, they have been unable to resolve this issue, tell me where my money is. They have given me the run around. This account has been having direct deposits put into it from my employer since XXXX of XXXX with no issues. I have contacted XXXX who is partnered with Chime and am told they only issue the cards for Chime. They cant help either. As of today XX/XX/2023 my direct deposit is still missing with no answers as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my insurance company ( XXXX XXXX ) sent me a letter for non-renewal of my car insurance policy, because of 2 " accidents '' happened in XX/XX/XXXX. 
I am asking for those accidents to be taken away from my profile, because : the first accident happened on XX/XX/XXXX, was in fact not an accident but I just hit some rocks/debris on XXXX, which cracked my front windshield, and thinking that insurance would cover that I filed a claim. 
the second accident did involve another vehicle. I disputed this event in court in XXXX on XX/XX/XXXX, and the prosecutor canceled all the charges agaist me, saying I was totally right and had no resposibility in the accident at all. 

I kindly ask your help to get my driving history profile edited/cleaned accordingly, because I am incurring in huge expenses that were not really caused by me. 
I have the documentation from court to prove what I said, and I will be glad to submit them to you, for your review. 
Thank you very much for your help. Best Regards
Product: Debt collection

REFERENCE # XXXX COLLECTION AGENCY IS ATTEMPTING TO COLLECT A DEBT AND HARASSING CONSUMER. THIS OBLIGATION IS NOT MINE AND I HAVE CONTACTED ORIGINAL CREDITOR WHO ACKNOWLEDGES THERE IS NOT BALANCE. 

I HAVE ATTEMPTED TO RESOLVE BUT AGENCY IS IGNORANT AND UNPROFESSIONAL AS WELL AS HANGS UP ON ME. 

ALL ACTIONS OF COLLECTION MUST SEIZE AND I AM OWED DAMAGES FOR THE XXXX  AND EMBARRASSMENT AS WELL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted XXXX and TransUnion, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these 5 inquiry accounts on my credit report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed a charge on my credit card. 
Chase sent me a letter saying they were denying my dispute due to insufficient information. I called them and was directed to submit a secure message via their online portal to provide the additional information. 

On XX/XX/XXXX I submitted a secure message with the requested information. I received no response. 
On XX/XX/XXXX I submitted an additional secure message requesting an update. I was directed to call a Chase hotline number. I called the number and was directed back the secure message channel. 
On XX/XX/XXXX I submitted an additional secure messaged requesting an update and letting them know that I was directed back to this communication method upon calling. 
No response has been received and it is now 2+ months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my information deleted with this company which I requested for them to it deleted my information with them and their service providers and third-party affiliates. 

Today a young lady by the name of XXXX at the company told me that her supervisor told her that all they can do for me was to put a cease and desist on my account because I said that it is my right that I dont want to be contacted by phone or any other method but she said that there was nothing else that they could do for me far as deleting my information but on their website it clearly states that you can request to have your information to be deleted And thats what I did on their website I requested for my information to be deleted and I screenshot the proof thank you.