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

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX  and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over XXXX changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from Equifax and XXXX showing no changes noted. I have yet to receive a report from XXXX So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!
Product: Credit reporting or other personal consumer reports

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Product: Checking or savings account

JP Morgan Chase bank closed my checking account with $ XXXX available as a balance. A check had cleared my account written by XXXX XXXX XXXX as a claim settlement from a total loss automobile accident for XXXX XXXX XXXX XXXX  with just XXXX miles purchased less than three months suffering as a result XXXX XXXX XXXX due to XXXX XXXX XXXX insured drivers 100 percent at fault. I represented myself as pro se with all attorney terminated. Was told that my money was been send and would received it in ten days according Chase. Chase had misplaced my first check in XXXX with mal intend. A second check was reissued after chase lost the first $ XXXX by dishonest employees engaging in fraud, manipulation, and illegal banking collusion trying to steal my $ XXXX. I called XXXX XXXX XXXX and was confirmed the the $ XXXX had written cleared my account with all correctly submitted supporting documentation presented in goodfaith as 100 percent entitled to my money. After the check have properly cleared my account through Federal Reserve or bank check clearing process, they want me to have XXXX XXXXXXXX XXXX reissued a third check that have already been cashed out of XXXX XXXX escrow account. That is collusion and fraud. And, it is illegal with reckless neglect for banking law and legally acceptable documentation provided by me providing ownership of funds 100 %.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX has been in contact with Equifax since XX/XX/year> disputed the information on XXXXXXXX XXXX {$100.00} which is closed. This is not my account and I have expressed this to the credit agency on several occasions. This can not even be proven to be mine either, I am not liable for this derogatory erroneous information. I am established when it comes to credit, why would I invest in a subprime secured credit card? This information is frivolous and needs to be removed from my credit files or else I will seek an attorney.
Product: Credit card

Hello I have social security XXXX I 'm a XXXX veteran, social security deals with XXXX XXXX card through comerica bank, money is direct deposited. Money has disappeared from account several times have filed XXXX disputes and have over 12 hours on phone with banks employees. I have several lies on recording they told me I was hacked. I 'm missing over XXXX dollars now on XXXX Friday my account was drained I called and made them aware it was n't me and comerica bank supervisor said I had to wait and let it be stolen then file a dispute. Another employee stated that the manager was to lazy to stop payment. The bank refuses to send me statements from day one. They refuse to allow me to file a dispute. The internet says that comerica bank was hacked and wo n't tell costumers. This is an inside job as every card they issue me is stole from before I even use it. They have put XXXX dollars back on my card and want me to go away. I want a full investigation into my account and the bank they are responsible for my money being stolen and refuse to help me. This is grand larceny and committed over several states so FBI matter also, I live in Ohio card was used all over united states on XXXX Friday. While on the phone with company my money was stolen. If I close account and switch banks I will never recover money they will only talk to costumers. Help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to both XXXX  and Equifax on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. XXXX  has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.
Product: Debt collection

I saw that Midland Management reported on my credit and disputed it twice. I also saw that the original creditor was XXXX XXXX. I called the number for Midland Management thats on my credit report and gave them all my information to check if the debt was valid and they have no records of the debt. I also called XXXX they also have no records of this debt. 
The amount they are seeking is {$1300.00}.
Product: Checking or savings account

In XX/XX/2019 I opened an account at the BMO Harris reacting to the mailing sent to me. The offer was for {$700.00} account opening bonus which was presented to the banker at the time of account openings. 
Promo Code : XXXX As result I completed following requirements within 120 days of account opening : {$6000.00} of direct deposits or more ( actually XXXX was deposited through my employment with XXXX and XXXX XXXX ) 10 or more card transactions {$10000.00} or more balance kept at the Money Market account for 90 or more days. 

To date I received only {$300.00} in bonus instead of {$700.00}. {$200.00} was credited to my MM account which is correct however the checking account received only {$100.00}. And the {$100.00} bonus was deposited on XX/XX/2019 even before the qualifying period ended leading me to the conclusion that the bank had no intention to fulfill the conditions of the promotion to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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Product: Credit card or prepaid card

I am on XXXX XXXX XXXX. Approximately XX/XX/XXXX I was having some medical problems and got behind on my credit card pymts to Capital One Credit Card. My husband switched jobs in XX/XX/XXXX & he did not receive a pay check until the middle of XX/XX/XXXX & that was only for 1 week. We were then behind on our other bills. Capital One was informed that I was on XXXX XXXX XXXX and could not pay my full pymts. I did advise them that I could pay approximately {$25.00} per month. I was advised by Capital One that they do not have a plan for me to pay {$25.00} per month. Capital One wanted me to pay {$75.00} to {$80.00} per month. I advised I could not pay that. Then Capital One said they would note the acct that I refused to pay my bill. I did not refuse to pay my bill. I refused to pay {$75.00} to {$80.00} per month. I get numerous phone calls daily from Capital One. Now Capital One has turned my account to a collection agency, XXXX XXXX XXXX. I have been informed that Credit card balances are not collectable from XXXX XXXX XXXX, however, Capital One says they are. Now I am going to be harassed by XXXX XXXX, XXXX Collections and possibly sued because Capital One refused to work with me on pymts. I have not made any pymts since Capital One refused {$25.00} per month. I am XXXX and I explained to Capital One that their harassment only makes my conditions worse. I don't know what to do at this point but I need the harassment to stop. Capital One employees are rude and don't care. I am still behind on some of my other credit cards as well but the other Credit Card companies are willing to work with me because they understand they can not collect on XXXX XXXX XXXX. Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct the inaccurate reporting of late payments on my credit report for the account Account Number : XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX account has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, XXXX, and Equifax is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX on XX/XX/2023 via the web site XXXX XXXX XXXXXXXX and paid by XXXX using my bank account in Bank of America {$900.00} XXXX XXXX XXXX  XXXX XXXX XXXX. The details for the payment were provided by a representative from XXXX via live chat on the website. I received a confirmation of the order. It seemed valid. However, on the next day I understood that I was scammed, because I was asked to pay additional {$150.00} for delivery to some strange delivery company XXXX, and I submitted a claim about the scam to my Bank of America. Two weeks later the bank sent me a letter, which I received XX/XX/2023, saying that the claim is not approved. I submitted to the bank request to reconsider and again the claim was refused by XX/XX/2023. The bank cleared the transaction to scammers one day AFTER I reported the scam! I tried to requeest money back using XXXX from my bank from XXXX XXXX XXXX, and, of course, there was no response. I requested from the bank to provide details of this scammer 's XXXX account and name of the owner, but my bank did not respond. The website is created by criminals to still money and does not ship any goods, and my bank did not help me to get money back from the scammer. 
Scammers used following e-mails and phone : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX     2017, I sent a request to each  XXXX , Equifax and   XXXX   XXXX   regarding removal of the extended fraud alert on my credit pro file. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :  XXXX  : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert Equifax : Has failed to make any response to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

This debt was Originally attempted to be charged by XXXX. I paid all required monies when i cancelled the account. they attempted to run my fees past the date of cancellation. I tried dealing with them originally, about XXXX years ago. They subsequently sold the debt to other debt collectors. I then submitted my information ie.., proof to the reporting agencies that showed the first debt collector claiming a bad debt to my credit. They subsequently removed denied their claim. This occurred XXXX more times recently with each new event another debt company they shuffled it through. The most recent : Credence Resource Management , LLC. the amount claimed is XXXX is there any way to stop this shell game they keep playing? 
Thank you.
Product: Credit card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue XXXX.
Product: Debt collection

I had repeatedly contact XXXX XXXX in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. XXXX XXXX then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company Calvary SPV I, LLC never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now Calvary is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with Calvary and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. Also I think the account is more than XXXX XXXX XXXX? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reportina agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the Following dates ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between XXXX XXXX Equifax and XXXX, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-TRANS UNION XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX -XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX