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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a treadmill from XXXX and financed it through Affirm. After the Affirm loan was paid off, the treadmill was recalled and XXXX refunded Affirm my full amount. This was 90 days ago and Affirm has not refunded me the {$4000.00} that they owe me. I have reached out to eveyr person I can at Affirm, and they are simply keeping my {$4000.00} which they are not entitled to. 
Affirm is corrupt and fraudulent in their business practices. 

Affirm emailed me to say they were refunding me, but it is just further evidence of their XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested MULTIPLE TIMES for Experian to provide in righting the EXACT reason  XXXX   XXXX  from my report. I am NOT asking at this point to have it put back on. We can deal with that after I have received a written reason why it was removed.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with XXXXXXXX XXXX XXXX  was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( XXXX, Experian XXXX XXXX ) until XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. 

XXXX, after this XXXX dispute, updated both XXXX and Experian report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? 

The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. 

I disputed this issue with both XXXX and Experian asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. 

I believe that XXXX XXXX XXXX is trying to unlawfully extend the time that this account stays on my credit report and that XXXX and Experian is not investigating my dispute correctly. 

I contacted XXXXXXXX XXXX XXXX XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. 

I have attached to this complaint the following documents : - XXXX Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of XXXX account showing that the date of first delinquency is XX/XX/XXXX. 
- Screenshot of XXXX payment history under this account which shows that I started missing payments since XX/XX/XXXX. 
- XXXX submitted to XXXX when this information was disputed. 
- Payment history document received from XXXX XXXX in XX/XX/XXXX - Letter with response from XXXXXXXX XXXX stating this date is correct even after I sent them all the documents that prove otherwise. 
- Dispute results from XXXX stating that the information on my credit report was correct.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX Balance : {$750.00}
Product: Credit reporting

I contacted original creditor XXXX XXXX XXXX XXXX times in which they verified paid in full with a zero balance. They ca n't find me as a customer anymore when explained they said they would contact the collection agency and get it removed. They did n't Enhanced recovery then told me a month later they never received anything from XXXX XXXX. The XXXX call a gentleman gave me an authorization number XXXX showing paid may XXXX/XXXX/15 it 's now XXXX/XXXX/15 and they are still reporting delinquent. Account number with XXXX is XXXXContact info for XXXX which I have sent the statement from my checking showing I paid in full {$170.00} is XXXX FL XXXX. This is really hurting my credit which is why I paid it to begin with.
Product: Debt collection

XX/XX/XXXX XXXX Got an email from XXXX XXXX about having a personal asset investigation on me for debt owed of {$18000.00}. He indicated that he has tried to contact me but this is the first time i received an email. I have never received anything in the mail from this debt collector. I asked what the debt was about and he will not let me know anything about this debt. He says i have to call. In his initial email he threatens, " My investigators will attempt to locate anything of value that can be auctioned off at Sheriffs Sale or levied through the courts once my client obtains judgement ( Property, Tangible Assets and Bank Accounts ). '' I did respond to him requesting what the debt is and he again refuses to attach any information. I told him to send me something in writing. I do not want to call because then i have no transcript of the situation. Why was there not an attachment of debt to the account to begin with? Why is this company doing an asset investigation on me? For what? i do not understand what this is or what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Prepaid card

Once again I am disputing XXXX transactions that equal XXXX dollars or possibly XXXX from XXXX XXXX for some odd reason cash app continues to decline my disputes for these remaining transactions with the receipt and all. currently they have some manager name XXXX reaching to me stating Hes having this escalated to someone else to review it and please give him patience just to come back and deny it stating that it doesnt have receipts when all of the disputes always have receipts. I just resubmitted them again for the fourth time yesterday XX/XX/year> with receipts. All this email communication with me from cash app telling me to do things that already have been done just for them to deny it is outrageous l. These people are unprofessional I would appreciate it if cash app please restrain themselves from emailing me trying to fix something that theyre not fixing. They can keep communicating with the businesses that I am reporting them to because theres no way theyre telling me to keep submitting a dispute that theyre denying stating that it doesnt have receipts when I have receipts stating that those transactions that theyre denying were refunded to me on XX/XX/year> for XXXX dollars. Cash app is stating they refunded me back {$1400.00} yes but the total stated in the emails from XXXX XXXX of a refund that I received is over {$3400.00} which they think Im going to lose out on because the business is lying to me and Cash App doesnt dispute transactions over 60 days so my money has not been given back to me and XXXX XXXX will be dealt with accordingly for the transactions cash app could not return back to me due to being over 60 days.
Product: Credit card or prepaid card

American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.
Product: Credit reporting or other personal consumer reports

Went on XXXX and discovered that there was a OPORTUNPROG Loan opened on XXXX XXXX XXXX I do not claim and reporting this as fradualent actiivity. The reported balance is {$1300.00} and have reported and submitted a calim to XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX XXXX  XXXX - Timing of Payments ( 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 XXXXXXXX XXXX XXXX XXXX XXXX  Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Debt collection

They call my phone multiple times a day everyday. I got on the call and told the lady I would like to only communicate via mail because I receive too many calls. She told me I owe a debt and she can call as much as she wants. I told her I was going to record the call and report her and she hung up. They have Called my references as well harassing them and embarrassing me. 

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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
Product: Credit card or prepaid card

I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use this company!!
Product: Debt collection

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed :
Product: Credit card or prepaid card

Synchrony Bank closed multiple credit card accounts, many with rewards that disappeared with the account closure.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH XXXX XXXX XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX EQUIFAX XXXX XXXX REPORTS. ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH XXXX XXXX a b c d XXXX OBLIGATION WITH RESPECT TO XXXX XXXX of personal information i never signed any disclosures forms given written consent! 
XXXX : NAMES XXXX XXXX XXXX, XXXX XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE PROMPTLY I KNOW MY RIGHTS
Product: Credit reporting or other personal consumer reports

In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX  However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

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 they person knows or has reasonable cause to believe that the information in inaccurate
Product: Debt collection

Children 's Place/Comenity Capital Bank failed to give me proper validation of this debt. 

I mailed Children 's Place/Comenity Capital Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We borrowed about {$10000.00} from LoanMe. They said we could pay it back early, but I knew it would take a long time. I did not realize that if we kept it for the full term of about 7 years that we would be making payment of over {$70000.00}. That seems illegal under Usury Protection laws if there are any Federal or State Laws left that cover this situation that probably XXXX of other good Californian 's got themselves. Is there any way for regulators to stop this type of irresponsible lending by LoanMe and now others who are engaging in these unrealistic loans that probably will not be paid off? XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all 3 credit reports that are reporting to my file and putting me in a financial hardship
Product: Debt collection

The amount in collections continues to increase which is more than the original debt that was bought by this midland credit company. The amount owed increases beyond the original debt amount which is inaccurate and I want the debt removed from my credit report immediately for criminal practices. I keep getting calls at all times of the day and night which is causing me mental and physical stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously wrote to TransUnion to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Experian has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>24 I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I had a XXXX XXXX Checking Account XXXX. I was a victim of fraud with a XXXX scam where I was sent a check from a third party and deposited it into my bank account believing it was valid. The check cleared and I was able to use the funds as instructed by the XXXX scammer. At a later date it was discovered the funds were insufficient. I notified XXXX XXXX of the scam and XXXX XXXX closed my account immediately. I believed the matter was resolved and that I would not be held accountable for the scam/fraud. 
I recently tried to obtain a new bank account and was informed that XXXX XXXX is reporting that I have an unpaid account with them for {$610.00} including a {$240.00} reversal fee. I would like this matter investigated and resolved.