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

I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance {$4000.00}
Product: Debt collection

On or around XX/XX/2018, Amsher Collections Services ( hereinafter " Amsher '' ) reported to the credit bureaus that I had an unpaid balance totaling {$550.00} from XXXX account. I contacted Amsher and advised that I never had service with XXXX and that I had been a victim of identity theft in the past and this appeared to be another fraudulent account. Amsher had no additional information other than XXXX confirmed the account belonged to an accounted holder with my name and date of birth but provided no confirming documentation. I have attempted to remove this derogatory mark from my credit report however the continues to appear on my XXXX  report. This is not my account, I do not owe any money to XXXX and/or Amsher and would like this to be permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information contained in my credit report under the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and all applicable credit reporting regulations. The account in question is a charge-off reported by FINWISE/OPPLOANS. 

Upon careful review, I believe the information is incomplete, inaccurate, and not fully compliant with Metro 2 formatting and reporting standards. 

The errors Ive identified include but are not limited to : Inconsistent Dates : The date of first delinquency and charge-off date are not aligned across all credit reporting agencies. 
Inaccurate Balance Reporting : The balance reported after charge-off does not match my records.

Failure to Comply with Metro 2 Guidelines : The reported account status and classification codes may not align with Metro 2 standards, and I request verification of the compliance of this entry.

According to the FCRA and Metro 2 standards, credit reporting agencies must report accurate, complete, and timely information. As such, I request : A full investigation of this accounts accuracy and compliance with Metro 2 guidelines.

Deletion of this charge-off if it is found to be inaccurate, unverifiable, or reported incorrectly according to credit reporting standards. 
Please provide me with documentation to verify the legitimacy and accuracy of this account, or remove it from my credit report immediately. If no verification is provided within the legally allowed 30 days, I expect the immediate deletion of this account as required by law.
Product: Consumer Loan

The bank imposed early payment penalty fee in violation of the loan 's terms. 
Specifically, the terms specifies that " [ consumer ] agree to pay a prepayment charge if this loan is paid off prior to the final scheduled due date ''. I, the consumer, made early, large payment but did not pay if off totally, as the total amount financed plus all fees and interest, is still larger than my overall payment amount. The bank, however, imposed early payment penalty fee on XX/XX/2014. Following the terms of my installment loan, if the bank considers the aforementioned loan is " paid off '', then I should receive my car title and the loan should be closed. However, I was charged an early payment penalty fee. I have contacted with the bank ( case # XXXX ) several times but the bank refused to follow their loan terms. Therefore, I would like Bureau of Consumer Financial Protection 's assistance in reaching an appropriate solution with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report
Product: Credit reporting or other personal consumer reports

So there is a XXXX credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in XXXX. My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to XXXX card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to XXXX card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX XXXXXXXX to XXXX in the amount of the {$3000.00} that is owed to XXXX I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to Lodge a formal complaint through your agency
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me 9 different letters which are FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my report is fraudulent
Product: Checking or savings account

I tried to login to my account several weeks ago and couldn't because my phone number had changed. I was instructed to call customer service, and when I did, I was verified by the Discover Bank representative, but was transferred to another employee who told me I needed to send a copy of my driver 's license and social security card. I informed this employee, ( XXXX ), that I had a driver 's license, but didn't have a social security card and haven't had one in many years. I'm a 100 % VA XXXX veteran and won't ever receive social security anyway! After trying to send a copy of my driver 's license on the Discover Bank website, it wouldn't go through. I was told I could mail a copy of it to the Discover Bank XXXX XXXX XXXX address. I then sent a copy of my driver 's license through XXXX and paid extra for overnight shipping. I had been in contact with XXXX at the Discover Bank executive offices about my situation and how I couldn't log into my account because of Discover Bank 's ridiculous verification procedures. She left a message for me that my driver 's license address didn't match my account address, even though it obviously did because I was receiving mail from Discover Bank! I sent a copy of one of these letters by email just to show the truth of this. My CD is maturing in a few days and I still can't provide instructions for the bank on this because my account has been frozen! I have tried all I can to take care of this through the bank but this bank has thoroughly shown me that I need to find intervention to assist me with this matter and to have all of my funds in this bank removed! I have accounts at other online banks and they haven't and never would put their customers through such turmoil, especially over a changed phone number!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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 rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

On or about XX/XX/year> I was using my card to make purchases related to a recent move. Synchrony Bank, flagged a purchase as Fraud, and sent me a text message. When I called them to resolve the issue, I was on hold for over an hour. 

A few days later I attempted to access my credit card account on-line and I'm locked out, so I called and attempted to resolved the issue. I was told by someone who was obviously not a US Citizen, that they would send a link to my phone number and that I would need to take a picture and upload it to the link along with a copy of my drivers license. This seemed very supicious and I asked to speak with a US representative. The US Representative was telling me the same thing, so I asked for a supervisor because when I called in, the system recognized my phone number and matched it to my account. After talking to the supervisor, she offered to send me a passcode by mail that I could use to call in and verify myself. 

When I attempted to call back in to verify my account with the pascode I was mailed, Synchrony Bank refuses to accept the passcode they mailed me to verify myself and are demanding that I either upload a picture to them along with a copy of my drivers license or that I can mail them a copy of drivers license and a copy of my electric bill. As these are all items that can be used for identity theft I am refusing to do this. 

I believe that the fact that they will not accept the passcode that the mailed me via the US Mail should be adequate to prove I am who I say I am- and if they will not accept it, then that is Mail Fraud. 

I have tried to escalate the issue within Synchrony Bank, but the Account Manager I spoke with ( sorry I didn't get a name ) would not escalate to anyone. 

I refuse to follow their prescribed method for verifying my identity ( clicking on an unknown link and taking a video/photo of myself and uploading a copy of my drivers license ) or mailing them the same. 

I do not want this to affect my credit, however I can not verify any purchases made on the card as they refuse to mail me a statement or allow me access to the account on-line to verify the charges.
Product: Credit reporting or other personal consumer reports

Capital One Services, LLC engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}. 
Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both XXXX and XXXX are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the balance in full for my Walmart Rewards card with Capital One. I was attempting to rebuild credit and had been given money by family to pay off my debts and then I was using the credit cards to make purchases and then pay them off immediately or by the end of the month. Capital One decided to freeze my Walmart Rewards Card to verify that my recent payment and charges to this card were not fraudulent, and I sent in 60 days ( 2 months ) of bank statement from both checking accounts I was using to make payments to both of my Capital One credit cards. 

I mailed in physical copies ( XX/XX/XXXX ), as well as faxed ( XX/XX/XXXX ) in copies to Capital One 's Fraud Department of my bank statements. I had to hound them to get emails for links to upload directly to the Claims Department online that never worked. They never called me back despite being told multiple times they would. USPS said the envelope with these statements was delivered to Capital One on XX/XX/XXXX, and Capital One didn't upload the documents to my account and begin reviewing them until XX/XX/XXXX. I had called at least 1-3 times a weeek since the middle of XX/XX/XXXX checking on the status. When I called the week of XX/XX/XXXX, the agent I talked to said they approved my documents from XXXX XXXX XXXX XXXX but had denied my bank statements from XXXX XXXX. 

I was working for XXXX at the time and XXXX uses XXXX XXXX XXXX, a service provided by XXXX XXXX  for instant payout of earnings to XXXX Drivers. The top of the bank Statement says " XXXX XXXX XXXX, '' in addition to my name, address, and full account number that matched what Capital One had records of me making payments from. I had written the claim number Capital One had given me, as well as wrote a note at the top of the statement to look at the bottom of the bank statement where I had used a yellow highlighter marker around the statement that says " THIS IS A STRIDE BANK ACCOUNT. '' Capital Once refuses to accept that this is credible proof that the account is mine, from XXXX XXXX, and that the account number, name, address, and Capital One claim number is all the same as the records they have. They refuse to unfreeze my account and are expecting me to start all over and send them new information. What they have is correct information and its the same information they will get again. Their negligence is screwing up my access to my credit.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am unaware of them, and the company acted without consulting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, companies must obtain my explicit written authorization before making a hard inquiry on my credit report. I did not authorize the following inquiries, and I am requesting their immediate removal from my report. 

Disputed Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : Miscellaneous and Public Record Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX OF XXXX ) Inquiry Date : XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Factual Data Inquiry Date : XX/XX/XXXX Business Type : Miscellaneous and Public Record Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Informative Research Inquiry Date : XX/XX/XXXX Business Type : Miscellaneous and Public Record Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX XXXX  Inquiry Date : XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) Inquiry Date : XX/XX/XXXX Business Type : Finance ( Other than Personal ) Address : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX These inquiries were not authorized by me, and I have never applied for credit, loans, or services with these companies. In accordance with FCRA 15 U.S.C. 1681n, unauthorized inquiries must be removed unless proof of my signed consent is provided.
Product: Credit reporting or other personal consumer reports

What will it take for fifth third bank to fest up as halsted in XXXX informed me that under my XXXX  XXXX XXXX you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX