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

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Delete from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Delete from my credit report.
Product: Debt collection

Hello, I'm XXXX XXXX I am writing this complaint because I had went to download the XXXX XXXX app and the XXXX because I had tried to apply for something and they told me that I needed to have a better credit score.. I am not familiar with credit and how it work I was on my account and it had showed me accounts I was not familiar with at all.. These are very much so fraudulent accounts because I've never used these accounts before.. Could you please help me to remove these things because they couldn't have been done by me... Thank you so much and have a blessed day
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all XXXX bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late I have had an exceptional payment history with XXXX XXXX and all payments were placed on auto pay. These late payments that is reporting is as a result of a systematic error at the end of processing my payment this was clearly a billing error made by the company and its not a reflection of my payment experience which violates USC code 1681EB. 

This error has caused severe hardship to my reputation, my character, my mode of living and my family! I can't get approve for a home.

I demand you delete payments reported in ( Months reporting late ) to be removed.

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

15 USC 160 B time to make payment a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( credit name ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant to rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Incorrect Personal Information XXXX XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect Date of Birth
Product: Checking or savings account

I play XXXX  and we buy sporting goods in bulk to share with friends. My friends split the cost and transferred their share using XXXX. Now, Capital One has frozen my account and is asking for the phone numbers of all the people who transferred funds, which I have provided. They attempted to contact everyone, but some did not respond. Capital One is now saying that because a couple of people did not attend the call, they can not unfreeze my account. They are trying to close the account and will not release the funds until the investigation is over. I am stuck and need your help with this.
Product: Credit card or prepaid card

Everything started XX/XX/2022 at XXXX I received an email from AMEX XXXX American Express XXXX stating that a new account has been open. I surely called the number on the email which was there Identity Protection Team XXXX I spoke to a man and he wanted my personal info like XXXX, XXXX, etc which I declined and only opted to give my last 4 SSN. I quickly hanged up and called the number on the back of XXXX of my AMEX cards to be sure. I quickly explained to the rep qhat is going on and connected me to there fraud dept. and I filed a report on this new account. Later on in the evening I receive a hard inquiry on my credit report finding out through XXXX XXXX at XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX GA XXXX. Never heard of that bank before. Then XXXX minutes later another email pops up stating that a other AMEX product has been processed and approved. I believe now that I am a victim of Identity Theft. That is all the information I have as of now. Help please.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I dont have any other name.
Product: Vehicle loan or lease

Monday, XXXX XXXX Illegal Repossession of Leased Car last Friday XX/XX/XXXX Last Friday XX/XX/XXXX, I went out to my car in the evening to find it missing and repossessed illegally by Westlake Financial. ). I am in a XXXX XXXXXXXX state so I need my Car to get to doctor appts so I can get back to work asap. I am still waiting for a call from rep from XXXX XXXX -- XXXX did not send a certified letter, it did not register an accurate phone number for the towing company, and it doesnt have an informed customer service process or Directory option for Repossession ( their service line closed early weekend by XXXX PST instead of XXXX ). In Washington XXXX a Creditor must send a Certified Letter prior to repossession which was not executed. ( DC law 28-3812.3 see attached or url : XXXX : XXXX ) The Westlake Customer Service is not set up to address weekend Repossession closed early Sat and Sun by XXXX even if the website states XXXX. I spent hours being bounced around the Collections department and my call was dropped 4 times on Sunday and one rep demanded I pay the repo fee and arrearage and compared it to a housing eviction ( for which youd also get a certified letter ), the Supervisor was not familiar with certified letters. Even the representatives identifying themselves quickly by their first and last name is confusing and distracting nearly every rep took offense when I asked them to spell their first names i.e. not a great way for either party to start a difficult conversation.
Product: Credit reporting or other personal consumer reports

These for-profit private companies are in violation of my rights as a consumer, they have used my social security number without my consent by way of fraudulent means. XXXX, EXPERIAN & XXXX have knowingly submitted my personal information to unaffiliated third party reporting agencies and numerous other third parties without my express written consent, the result of their deceptive behaviors have successfully created this Extortionate tradelines on my credit report. Thus damaging me commercially and obscuring my credibility. Some of these tradelines have adverse information on them. Thats also is a violation of the F.C.R.A. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete these tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to XXXX, Experian & XXXX 's unfair and deceptive collection and unfair credit reporting methods.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Money was taken from our account through XXXX {$3500.00} we did not authorize this transaction Bank will not help they denied us. We have not gotten any help from the bank. most i ever used XXXX was {$200.00} it took the bank 3 days to deny didn't reach out to us no help. 
name used was XXXX XXXX in XXXX Texas we live the west coast they used a bogus number XXXX BTW. 

Hope you can help,
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX BALANCE {$5300.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX BALANCE {$3700.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$2400.00} -DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are un-authorized inquiries on my report.
Product: Credit card

I am XXXX and recently XXXX XXXX XXXX with Chase Bank Inc following their standard process. The credit card and statements show correct, however all card services menus online still have my XXXX XXXX and Ive had representatives use my XXXX with me on the phone multiple times after I asked them to stop. 

I have called 16 times and submitted 5-6 different tickets in writing at their request. I have requested they escalate and they continue to give me the run around. They are requesting I call again and dont seem to have any accountability to get this fixed. 

I have been disconnected multiple times after disclosing that the reason for the name changes is I am XXXX  This has not happened the phone calls I did not disclose the reason for the name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect information on my credit report in addition to reporting to Third parties. If I call by phone, the agent ask you to go through and identification process. I was asked to send a picture ID of your driver 's license. I asked for an alternate way. You are asked a series of questions, many of which do not make sense. Such as name a recent or past credit card account and what were your monthly payments? I explain to the agent it was not a good question because credit card accounts are payments are based on balance not monthly payments. If I miss a question, I am not authorized and can not move forward. If I call by phone and provide my information it always says it can not be verified, even though I am providing the information that they have on file. 

I wish to report that the address listed on my credit report on XXXX XXXX is not an active or authorized mailing address. I have never used it as a mailing address. It is to be removed. 

I have not received any usable feedback for my first complaint. Equifax sent me something stating I need to send them a picture of my driver 's license for them to authenticate me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I learned that someone tried to obtain credit and/or loans using my personal information. I also learned that my information is on the black/dark web. I called TransUnion to make them aware that I didn't make nor authorize the inquiries. A dispute was filed and I also called the companies who are reporting the inquiries. XXXX XXXX has since removed the inquiry. I was not able to reach XXXXXXXX XXXXk XXXX XXXX. But while working on this a new inquiry for XXXX has popped up on my credit report. It's also fraudulent. I have since put a freeze on my credit and would like for all of the inquiries to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX and XXXX XXXX   XXXX.
Product: Credit reporting or other personal consumer reports

Ive tried to remove several wrong names & addresses from my credit report but theyre still showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

Even after I contested the listed things multiple times, my credit file has not been repaired. Two additional bureaus completed their investigations and eliminated the issues I mentioned. My report comprises accounts that are the consequence of identity theft, as I've already said. Immediately remove and delete the mentioned things.
Product: Debt collection

Franklin Collection has harassed me and added illegal information about owing a debt in the amount of {$170.00} to my credit reports. I have never made a agreement with this company for this service. As recently as XX/XX/2019, when requested documentation under FACTA law, I was ignored. I was provided no agreement, contract, or sufficient documentation in order to validate this debt as mine.
Product: Money transfer, virtual currency, or money service

I deposited money into my Binance.US account which ended up resulting in a chargeback ( total of {$770.00} ). The very next day I fixed the issue and within a few days I successfully deposited the original funds and brought my account back to good standing. However Binance.US took it upon themselves to completely lock my account down due to " risk management ''. I have appox {$2500.00} in my account that I had previously deposited way before this chargeback that they have completely locked down and will not let me move or withdrawal any of the funds. None of this original money has ANYTHING to do with the chargeback, and even still I already deposited the chargeback amount ( {$770.00} ) and my account currently sits at a positive balance. This happened about 3 weeks ago and I have been trying to get ahold of any support at Binance.US to help me with this. I've sent multiple emails, submitted multiple tickets, sent direct messages to their twitter account ( that they frequently use for support ), and posted multiple tweets on twitter trying to get a human response from anyone. They don't have a support number, nor do they have a support chat or any way to get in contact with them for that matter, other than just submitting another ticket. I wouldn't feel the need to file a complaint if they had at least even responded a single time to my requests. I have a lot of money in my account that has nothing to do with the chargeback and its insane that they can just lock me out of my account without any reason for holding my {$2500.00} hostage. I've run out of ideas on what to do and I just want them to lift the lock so I'm able to access my funds again. I've done all the work for them. I'm filing this complaint because its been over XXXX weeks and they show no desire to resolve this issue.
Product: Money transfer, virtual currency, or money service

Hi there, I transferred money through wire to abroad through TD bank branch XXXX dated XX/XX/21, reference # XXXX, until now the money is not received by the beneficiary. I visited the store three times to find out about it but didn't get satisfied answer. Instead of my couple visits and deep concern the branch failed to contact me or update me regarding the issue or any additional requirements.
Product: Debt collection

On XX/XX/XXXX the account that I share with my wife had a legal hold applied. The company XXXX XXXX XXXX filed a lawsuit and somehow got judgement granted. I was not notified of this court proceeding, nor was I contacted via telephone, email or postal or process server. I called what appeared to be a law firm call center for Machol & Johannes LLC and spoke to a customer representative and he told me that on XX/XX/XXXX of XXXX a process server came to my home and served me. 

I was not home and did not get any paperwork. I was informed that a Hold was placed on my account and that the amount of {$1500.00} was to be paid. I recently found out that the hold will not be removed until XX/XX/XXXX. They have taken 114 % of my wife 's paycheck leaving us with nothing to pay our bills, gas in our vehicle, or buy food with, in fact payments that have been previously scheduled will still come out over-drafting my account because any funds that I deposit will be held. When I explained that to them I was told there is nothing that can be done. There is going to be a lot of NSF fees coming because of this issue, this is also jeopardizing the account that we have held in good standing for approximately 12 years with XXXX. 

I looked up the case number that was provided to me by XXXX, this judgement was apparently determined on XX/XX/XXXX and as of yet I have still received NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it
Product: Mortgage

Our loan was sold to this company and we had no warning or say so. The loan was originally in both my wife 's and my name but this company took me off. This past XXXX they failed to send a bill for our mortgage and we did n't notice it until they sent a past due notice with {$77.00} late fee tacked on. My wife called them and they said not to worry, just send the payment. We did. In the meantime, they sent a letter admitting to the mistake. We kept getting late payment notice 's and warnings that we were in jeopardy of losing our home. My wife kept calling them, they said not to worry but, the warnings kept coming. We are now waiting for them to send a corrected payment slip showing the amount due. My wife has had XXXX and ca n't handle the stress. Please do something about these incompetent people.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, XXXX, or XXXX to include the following accounts on 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 The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report.

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties.

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Student loan

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  XXXX XXXX has violated my rights. 

I qualify and had applied numerous times for Public Loan Forgiveness ( PSFL ) and submitted proof of all my employment that qualifies.

I am also eligible for the XXXX XXXX XXXX XXXX XXXX XXXX ) discharge and the debt still remains on my credit report.

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

I Im working with lextion law credit repair people and yesterday the XXXX  XXXX XXXX just showed up on my account says I owe them {$390.00} Im still waiting to hear back from this bank I never gotten anything in the mail from them saying I owe them money