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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX 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

I contacted discover today at XXXX EST on XX/XX/2017 and  spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. Capital one has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE GAAP principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX XXXX  bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX  thats attached to the VIN # and they have not made one single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX  nothing, they owe me and I am going to file the taxes on this CUSIP. I will be puttingin a XXXX report for a full forensic audit on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within XXXX XXXX but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX XXXX  card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX which I did and they said to there knowledge XXXX took nothing off for there mistake.
Product: Checking or savings account

All of my personal info was put at risk in XXXX  ,XXXX  when the entire system was hacked. I haven't been able to access or open a bank account anywhere sense.
Product: Credit card or prepaid card

I've had my Discover It card for quite some time now ; I was given a Credit Limit of {$1000.00}, I've never been late and didn't have it fully maxed out but they lowered my limit from {$1000.00} down to {$800.00} for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a unsecured loan for {$12000.00} with Greentree, account # XXXX which was sold or transferred to Ditech ( Companies merged ). Ditech and they said that we did not pay the last {$780.00} on the loan. We paid the full amount, but the payment was made to the original creditor Greentree before Ditech took over the loan. Ditech called and said we owed them! We did not pay them because we did not recognize nor were we notified that the loan was sold to another company. Greentree took payment and did not pass transaction onto Ditech. The blunder from Greentree and Ditech has had an adverse effect on our credit scores. The 30 day late payment as of XX/XX/XXXX has been updated to paid bringing the account to 100 % payment history BUT Ditech has failed to change the account from charge off account to paid account. The account was not a charge off account as we paid Greentree the remaining balanced owed. By Ditech reporting this account has a charge off account were are suffering due to the points our credit scores dropped and since the account was closed on XX/XX/XXXX. We need the account to be updated to a paid account so the points lost and be re-calculated by the credit bureaus. We are being denied a mortgage loan due to the inaccurate reporting of this account.
Product: Credit reporting or other personal consumer reports

Subject : Arbitration Demand for Failure to Validate Late Payments Dear Experian Dispute Resolution Team, I am writing to formally demand arbitration regarding Experian 's failure to validate inaccurate late payment reporting on my credit file. Despite multiple disputes filed with your company, Experian has failed to properly verify the late payment history for the account in question and has continued reporting incorrect information, which has caused significant harm to my credit standing. 

Specifically, I am disputing the late payment for XX/XX/year>, where the account status suddenly changed from paid on time to 60 days late in a single month. ( please see attachment ) This abrupt shift is both inconsistent with prior payment history and unsupported by adequate documentation. XXXX response to my disputes has been insufficient, with the status either marked as valid or updated without providing clear evidence or validation of these late payments. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, Experian is obligated to conduct a thorough investigation and remove or correct any information that can not be verified. In this case, Experian has failed to meet its legal obligations. Furthermore, I believe the data furnisher has also contributed to these inaccuracies and may be subject to future litigation regarding its reporting practices. 

To resolve this matter through arbitration, I demand the following : Immediate Removal of the Disputed Account from My Credit Report : Given the lack of proper validation for the reporting of late payments, the account should be deleted entirely. 
Monetary Compensation of {$1500.00} USD : This is to account for the financial and reputational harm caused by Experian 's continued reporting of unverifiable and inaccurate information.

No Admission of Fault Required : I do not require Experian to admit to any error, as I recognize the data furnisher may also bear responsibility for these inaccuracies.

I request that this matter be resolved promptly to avoid escalation. If no resolution is reached, I am prepared to pursue further legal action and report this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please acknowledge receipt of this letter and confirm your intent to proceed with arbitration within 30 days. I have attached copies of my previous dispute requests and supporting documentation for your reference. 

Thank you for your attention to this matter. 

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

I'm looking to purchase car an see on my credit report an old lender that was closed 3 years ago is reporting an account twice. Once with the original account an the second under a made up name so the can report twice. The account was closed XX/XX/XXXX with an original balance of XXXX. THey have one account under the correct name Globe Acceptance showing closed XX/XX/XXXX with XXXX balance. Then another Account as Globe Loan Company with XXXX an actively accruing interest since the close date of XX/XX/XXXX. I asked them to remove it an he said I remove the lower balance one. an I stated why are you reporting twice an he said dont worry about that I ll get to it eventually. 
The company Is Globe Acceptance XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. ( XXXX ) XXXX
Product: Student loan

Tuesday XX/XX/XXXX Navient called me 7 times between the hours of XXXX and XXXX. I told them once to please stop calling me while I am at work and that I will be making a payment on Friday. I am usually very good on payments but I was out sick for a week and my employer forgot to add my sick time pay so my check was shorted until tomorrow XX/XX/22 when I get that money added to my new paycheck. I was called multiple more times after asking them not to. Lady would not listen to me told me there was no note about prior phone calls or me asking them to refrain for the day. I got angry and had to hang up as she was insistent on taking my focus from work. I work in XXXX XXXX and can not be getting calls 7x in one shift! I have to keep my phone on me, and patients, staff, and others do not need to hear BUZZ BUZZ BUZZ during meetings or need me to excuse myself. 

" According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day. '' This was clearly violated, and this is not the first time this has happened either.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon careful review, I found multiple entries that are erroneous and were made without my consent. These inquiries are not only inaccurate but also detrimental to my credit. 
I want to emphasize that I have not applied for credit with these companies, nor have I authorized them to access my credit file. This breach of my privacy is unacceptable, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I demand that you immediately investigate these unauthorized inquiries and remove them from my credit report. I expect a thorough investigation and a prompt resolution to this matter, as it is crucial for maintaining my credit integrity. 
Enclosed, you will find a copy of my credit report that highlights the unauthorized inquiries, along with any other relevant documentation to support my claim. 
Please acknowledge receipt of this letter and inform me of the outcome of your investigation within the timeframe stipulated by the FCRA. I appreciate your immediate attention to this serious matter. 
Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I've noticed that. there is a collection account reporting. I asked the creditor that's reporting this account to send me all documents that verifies the alleged debt. They failed to respond to me with any documents but yet still report this account. After being contacted numerous times at unusual hours through out the day which is inconvenient for me, I asked that they cease all communications with me which includes reporting this account through any medium which is my credit report. How can I owe them a debt if there were never any agreements, contracts or anything set in place? Where is the proper documents? My credit report is being negatively affected by this account in which I am writing this complaint. included in my complaint is a copy of my dispute letter with the account that I'd like to be removed.Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a message from the bank saying that there was an abnormal card use. I immediately suspended the card and reported my unused card statement. 
I explained to the bank via XXXX XXXX the stores I hadn't been to and asked them to compare my card usage time with my location. 
I didn't lose the card and it was used at XXXX XXXX around the time I used it at XXXX XXXX XXXX. 
I made a claim about this twice, but they didn't accept it, and they didn't send me any documents to support their decision. I visited the stores where a large amount was used and asked to see the card usage time and XXXX, but they said they couldn't give it because it was personal information and told me to ask through the bank, and told the bank the information. But I don't know if they requested that information. 
I think I was scammed by card duplication
Product: Credit card or prepaid card

They were told that someone without permission using my card account number and I file the disputes right away and they didnt want to help me with the disputes and closed my account out and refused to refund my money back or anything else and also someone send me a XXXX XXXX  payment and I transfer it to my account and they refuse to let me have it and told me that I dont have the right spelling of my name from the sender so I told them if I can not get my money then please refund it back to the sender account and they told me that they cant do that because its a security reason and they are keeping it until they figured out what they want to do with it all this is totally wrong and I dont know what to do about this anymore but Im being scammed and robbed by this company called NetSpend please help me with this matter they have taken {$860.00} from me and dont want to return my money back to me thanks for your help looking forward to hearing from you guys soon XXXX bless
Product: Debt collection

I received an email that a collection had showed up on my credit report. I was not contacted by nor did I receive any notification prior to the collection appearing on my credit report.
Product: Credit reporting

We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However TramsUnion has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXXLast Past Due : XXXX/XXXX90+ Days : XXXX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATEXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX REV XXXX XXXX C XXXX 1963 XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX30 Days : XXXX/XXXX60 Days : XXXX/XXXX90+ Days : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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 an account without my written instructions. I would like the following accounts removed from my credit report for violating my rights : XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.
Product: Checking or savings account

I would like to bring to your attention a scam which is currently underway at an online bank called XXXX XXXX which is owned by Webster Bank. I went to the site, XXXX XXXX XXXX, on, or about, XXXX XXXX, to get a high interest savings account that being advertised. At the time they were offering 2.8 % APY. After the account was opened, I assumed I was getting that return. I was not. 

Now they are advertising 3.75 %. I am receiving 2.127 %. My account says it is a XXXX XXXX savings account. Nowhere in their application process or online do they mention a low interest rate savings account, I was never given any option for a low interest rate account. I clicked the button below the high interest rate offer on their homepage and was lead through the simple process never told I would be getting low interest. 

I have attempted on numerous occasions to call and to send secure messages through their online portal. I have never received any response. 

They should convert my account to the high interest savings and give me retroactive interest to the day I opened the account.
Product: Credit reporting or other personal consumer reports

I am requesting a validation of debt and accuracy. I am requesting validation of these account because I believe these accounts are inaccurate. I am requesting any and all documentation of these accounts to validate when were theses accounts open, close, balance, payment dates, status, etc. 

BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. ... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$36000.00} Status Open. {$11000.00} past d... 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25000.00} Status Account charged off .... 


XXXX MORTGAGE XXXX Date opened XX/XX/XXXX Balance {$190000.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. ... 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off...
Product: Mortgage

Despite making all of my monthly payments on time and paying over {$14000.00} in interest, the company refuses to provide me with any payment arrangements due to a financial hardship, unless my loan becomes 30 or more days past due- thus negatively impacting my credit.
Product: Debt collection

I, XXXX XXXX, represent several Hotels ( under separate LLCs ) and have used Heartland Payment systems as our Merchant Processor for years for most of our properties. Due to Pandemic, one of our Hotels XXXX XXXX XXXX XXXX in XXXX Nebraska had to close. As a result, there were several chargebacks that Heartland had to process. Our financial institution placed a Hold on our accounts resulting in credits due to Heartland Payment Systems. Heartland has since frozen all of our Deposits ( in excess of {$35000.00} ) for all of other Hotels and is demanding payments in excess of what is currently owed to them. All of the Other hotels are under separate LLCs and have different investor bases. While, we are not denying the monies owed by XXXX XXXX to Heartland- they should have no right to withhold our funds without our permission well in excess of {$35000.00}. Being a Publicly traded company, We don't know how this is deemed as being legal. I am requesting you to contact me at XXXX to resolve this matter, ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft through XXXX XXXX XXXX in XXXX.The latest being the openings of several accounts. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I ask that you recognize that the following accounts are fraudulent as a result of this breach : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was charged overdraft fees due to the bank delaying processing transactions even though I initially had the funds for the transactions but due to the order they processed them, caused several overdrafts and fees.
Product: Debt collection

This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy and CFPB on the medical collection.