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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my XXXX XXXX account number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
FCRA Violations 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on Experian and XXXX demonstrates non-compliance with this mandate. 
15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement. 
The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
Evidence of Error Account Details : Account Number : XXXX Account Type : Installment Auto Loan Monthly Payment : {$260.00} Balance : {$6300.00} Open Date : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) Payment Status : Current Last Reported : XX/XX/XXXX Two-Year Payment History : XXXX : XXXX XXXX payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Experian : XXXX late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit reports with XXXX and Experian. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, TILA, and PAANL. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I opened a business platinum money market account ( Account # XXXX ) with US bank because they were running an online promotion that after having a minimum {$25000.00} deposit in the account, I would get a bonus interest of 4 % for the first 6 months. My zip code for opening the account is XXXX. My deposit was above {$25000.00} ( approximately {$190000.00} ) after XX/XX/2023. 

Unfortunately, I have only gotten 0.25 % interest rate on it so far giving me a total paid interest of {$38.00}. My account still reflects an interest rate of 0.25 %. When going on the website, even at this time ( https : //www.usbank.com/business-banking/business-bank-accounts/business-savings/business-money-market-accounts/platinum-business-money-market-account.html ) you can see their promo is now increased to 4.5 % Interest. 

So far, I have had multiple phone calls with US bank and every time, I get pushed back with saying a supervisor will be in contact with me and this should be resolved soon. I even filed a Case ( Tracking # XXXX ) and have had my last phone call with XXXX XXXX and her Supervisor XXXX on XX/XX/XXXX. There has been no resolution on the issue so far. 

To resolve the problem, I would appreciate that I get the promised interest of 4 % applied to my account and I am paid the interest that I am owed since XX/XX/XXXX on this. Enclosed is an attachment of the PDF of the website showing the current promotion that is going on for 4.5 %. 
I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX or by email XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that were fradulent and should be removed from my consumer report. 

XXXXXXXX XXXX XXXX Capital One Capital One Bank USA XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Owed XXXX {$980.00} XXXX XXXX XXXX Balance Owed : {$0.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance XXXX : {$980.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 123 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. XXXX
Product: Debt collection

They threatened legal action against me if I did not set up a payment plan with them. They already took money from me.
Product: Credit card

XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM HAS FAILED TO COMPLY TO OBLIGATIONS OF FURNISHERS UNDER THE FCRA and placed this account under charged off with a balance, and on the week of XXXX XXXX reported the account in collections. 

AFFIRM continues to furnish information that I have identified as resulting from identity theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting

My accounts with :   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX    XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.     Please remove these erroneous accounts immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of Late Payments Account No. XXXX To the Consumer Financial Protection Bureau : I am filing this complaint under 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the consumer. 

My account number XXXX has been reported as having XXXX late payments for the months of XX/XX/2023, XX/XX/2023, and XX/XX/2023. However, these late payments are inaccurate, and I am requesting immediate action to reverse these erroneous reports and correct my payment history to reflect " on-time '' status for these months. 

The inaccurate reporting of these payments has caused significant harm to my credit score and financial standing, resulting in damages, including but not limited to the following : A decrease in my credit score Potential difficulty in obtaining future credit Emotional distress and financial hardship caused by the wrongful reporting I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and direct the credit reporting agencies to : Remove the inaccurate late payment reports for XX/XX/2023, XX/XX/2023, and XX/XX/2023. 
Correct my payment history to reflect that these payments were made on time. 
Compensate me for any damages, including any legal and financial consequences, caused by this inaccurate reporting. 
In accordance with 15 U.S. Code 1681e ( b ), I expect all consumer reporting agencies involved to take immediate steps to correct this information and ensure the accuracy of my credit report moving forward. 

I appreciate your prompt attention to this matter. Please contact me if further information or documentation is required.
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over 10yrs info as well and it shouldn't be.
Product: Vehicle loan or lease

On XX/XX/year>, I made a payoff amount to my loan in the amount of {$1700.00}. I received electronic notification that this amount was scheduled to be made and confirmed the amount was withdrawn from my bank account on XX/XX/year>. 
On XX/XX/year>, I had not yet received my title and contacted Virginia XXXX by phone. The Virginia XXXX notified me that they had not received an electronic title release from Volkswagen Credit. On the same day, I contacted Volkswagen Credit and notified them that the title was not yet released. They confirmed that they would release the title and confirmed the account was paid in full on XX/XX/year>. 
On XX/XX/year>, I had not yet received my title, so I contacted Virginia XXXX to verify if the title had been released. Virginia XXXX stated they had not received a title release ( or attempt ) from Volkswagen Credit. Immediately after I contacted Volkswagen Credit and notified that the title had not been released. Volkswagen Credit stated that they had attempted on XX/XX/year> but would attempt again and to wait one week to confirm. 
On XX/XX/year>, I had not yet received the title so I contacted Virginia XXXX to confirm if release had been sent. Virginia XXXX stated they had not received a release from Volkswagen Credit and suggested to contact the lien holder. I immediately contacted Volkswagen Credit and notified no release had been sent. Volkswagen Credit stated that the release was sent but may not be received until XX/XX/year> and to contact again at that time. 
On XX/XX/year>, I contacted Virginia XXXX. Virginia XXXX stated that again no release had been received from Volkswagen Credit and suggested to contact Volkswagen Credit. I immediately contacted Volkswagen Credit and notified that the Virginia XXXX had not received a release for the title. Volkswagen Credit stated they received a rejection from Virginia XXXX on XX/XX/year> due to incorrect ELT number and had resubmitted back to Virginia XXXX with changes. As of now, no title has been received.
Product: Credit card

I attempted to request a credit limit increase with the financial company known as Goldman Sachs, on their credit card known as, Apple Card. After multiple attempts to receive a credit limit increase with the company, I was messaged, on different occasions, with the same response. Your recent payments on Apple Card did not cover a significant portion of your monthly balance. This however does not make sense as I paid balance for May, in full a week before the billing statement date.
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to BARCLAYS BANK DELAWARE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention in correcting some adverse information on my credit file. However, I still find accounts that need to be repaired. Therefore, I request that all inaccurate information for the accounts listed below be fixed immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXXs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have respectfully requested for XXXX, Transunion and XXXX to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX  has not sent me a verification of bankruptcy removal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX , Account : # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX, XXXX, XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account # XXXX I looked at my XXXX credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. 

and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

on XX/XX/2024 Transunion through XXXX XXXX is reporting XXXX XXXX ph # ( XXXX ) XXXX adr.XXXX XXXX XXXX XXXX, XXXX , NC XXXX XXXX XXXX XXXX Ph # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Ph # ( XXXX ) XXXX XXXX XXXX XXXX XXXX ph # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX ph # ( XXXX ) XXXX XXXX PH # ( XXXX ) XXXX XXXX XXXX PH # ( XXXX ) XXXX XXXX XXXX XXXX  Ph # ( XXXX ) XXXX XXXX XXXX Ph # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Ph # ( XXXX ) XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I never applied for credit with either of these companies.
Product: Checking or savings account

Please investigate the legitimacy and operational integrity of both the BB & T Bank, XXXX XXXX XXXX XXXX, NC XXXX Tel. XXXX XXXX and its subsidiary " XXXX BANK, XXXX XXXX XXXX XXXX, NC XXXX regarding fraudulent account -- -- -- -- -- XXXX : XXXX. 
These entities failed to follow Authentication protocols regarding said account subsequent to accepting and approving an online " Business Value Checking Account '' application of a person ( s ) claiming to be myself. Please contact me if more information is needed. 
cc. FTC, US Postal Inspection Service. 
Wrt stated banking institutions. Attempted telephone resolutions to close the account have failed in part being consistently disconnected. Ambiguous assistance and follow thru reconciliation.
Product: Checking or savings account

ON XX/XX/2023 I WENT TO THE XXXX XXXX ATM LOCATED AT XXXX XXXX XXXX, XXXX XXXX CALIFORNIA AND WITHDREW XXXX XXXX DOLLARS FROM MY ATM DEBIT CARD ENDING IN XXXX AT THE TIME THIS WAS MY LAST WITHDRAWAL AS I HAD ALREADY WITHDRAWN A TOTAL OF XXXX FROM THIS ATM, THERE WERE SOME RALLY SHADY PEOPLE OUTSIDE SO I JUST WITHDREW THE MONEY AND IMMEDIATELY HID IT SO THAT THE HOMELESS PEOPLE WOULD NOT SEE IT. WHEN I GOT TO MY CAR AND COUNTED IT LIKE TEN TIMES I REALIZED THAT THE LAST WITHDRAWAL OF XXXX MUST OF SHORTED ME SIXTY DOLLARS BECAUSE I ONLY HAD XXXX WHEN MY RECEIPTS SHOW XXXX. I AM A SENIOR CITIZEN AND I AM RAISING XXXX SMALL GRANDCHILDREN. I NEEDED THE CASH TO GIVE TO MY GRANDSON THAT IS IN COLLEGE, I NORMALLY WOULD NEVER WITHDRAW THAT MUCH OUT AT ONCE. PLEASE HELP ME GET MY XXXX ASAP THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX ( CO in XXXX ) and XXXX  ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX XXXX account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )