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

Since XX/XX/XXXX I've consistently with both the Company & Experian tried to dispute the continuous inaccuries that appear monthly on my credit report. 
I've called and had them served by Certified Letter in regards to them not including my monthly payment amounts as agreed upon with the Magistrate and also the amount that I have paid weekly or monthly in total since they only report once. 

It shows up as XXXX Dollars paid & doesnt show the Monthly agreed upon amount as recorded by the courts. This has tarnished and damage my reputation in regards to being able to obtain credit. Experian just told me today XX/XX/XXXX that they have not not tried to verify any of my inaccuracy claims since XX/XX/XXXX from the data furnisher. I've paid consistently on time and ahead as indicated by the reports showing one month behind which is only due to covid and a delay in my unemployment payments. This in my opinion is not a difficult request and it is also mandated by federal law. The XXXX XXXX XXXX XXXX & Experian has failed & refused to honor my Request My Rights Under the Fair Credit Reporting Act : 1. ) You have a right to dispute incomplete or inaccurate information in your report. 
2. ) Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

3. ) Reporting agencies must not disseminate outdated negative information. 

I recently had a XXXX  which completely wiped my family out XX/XX/XXXX & The Pandemic hit less than 3 weeks later this disparity economically devastated us as I looked for permanent shelter. Of course due to state mandated lockdowns I've been unable to reach someone or visit the courts, therefore I send Certified Mail of this violation of my federal rights under the FCRA. I am at wits end over this and frustrated beyond belief. I cant show a lender what is required and agreed upon by law and whats been paid on a week by week or monthly basis. 

News Store over our fire ( XXXX XXXX XXXX ) This can no longer continue either they must report accurately under the guidelines or delete the inaccurate entries at once.At this point I would like for it to be deleted altogether because they have show to be incapable of doing the right thing in regard to furnishing adequate information in a timely & responsible manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate those accounts. 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 isn't reporting correctly. As this is in Violation Of 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft and under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

1. Account Name : Unknown Account # : XXXX 2. Account Name : Unknown Account # : XXXX XXXX. Account Name : Unknown Account # : XXXX 4. Account Name : Unknown Account # : XXXX 5. Account Name : Unknown Account # : XXXX 6. Account Name : Unknown Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up biweekly auto billpay with XXXX XXXX to deliver the checks to BSI Financial Services for each of my 2 loans, loan XXXX and loan XXXX it went well for many months, and suddenly in XXXX and XX/XX/2023 billpay checks were not delivered by the postal office, due to " undeliverable address ''. But the addresses are the same as before, and postal office resumed delivery in XXXX. When BSI customer service called me in XXXX about the delinquent payments, I paid all the past dues immediately. My intention is to always pay on time, that's why I set up auto pay to start with. The late payments were due to unexpected circumstances with postal office, it is not within my control and not at XXXX XXXX control. Attached please find XXXX XXXX evidence of payments made. I would like to beg BSI to withdraw the late payment report to credit agency, it made my credit score drop from XXXX in XX/XX/2023 to current XXXX. 

thank you very much for your great help! 

XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I would like to put this complaint in about Zelle for not warning me before I sent money to someone
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit reports and I noticed DEPTEDXXXX ( XXXX ) had a discrepancy in the Date Opened, last reported, last active, and date of last payment section of the listing. 
XXXX are reporting date opened XX/XX/XXXX However Equifax is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
XXXX are reporting last reported XX/XX/XXXX. However, Equifax last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting last active XX/XX/XXXX. However, Equifax last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
XXXX are reporting date of last payment XX/XX/XXXX. However, Equifax date of last payment XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately. 

Upon viewing my credit reports and I noticed USDEPT EDXXXX ( XXXX ) had a discrepancy in the Date opened, account status, payment status, last reported, date last active, date of last payment section of the listing. 
XXXX are reporting date opened XX/XX/XXXX However Equifax and XXXX is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different?. 
XXXX are reporting account status Paid. However, Equifax and XXXX account status is derogatory. If this the same account, reported by the same creditor how are the statuses different? 
Equifax are reporting payment status Late 120 Days. However, XXXX and XXXX date opened Collection/Chargeoff. If this the same account reported by the same creditor how are these payment statuses different? 
XXXX are reporting date last active XX/XX/XXXX. However, Equifax date last active XX/XX/XXXX. XXXX, last active date XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting date of last payment XX/XX/XXXX. However, Equifax date last reported XX/XX/XXXX. XXXX, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting date last reported XX/XX/XXXX. However, Equifax date last reported XX/XX/XXXX. XXXX, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these item immediately.
Product: Credit reporting or other personal consumer reports

I have recently disputed items on both Experian and Equifax with documents XX/XX/XXXX thru XX/XX/XXXX, that was requested by the bureaus in order for the disputed items to be removed. Experian and Equifax has failed to properly investigate and view my documentation that was sent to verify my disputes. Instead, they listed the items as VERIFIED AND UPDATED numerous times. One representative at Experian stated she did not see the documentation that was sent in on file while another was able to verify the documentation was on file. This is not the first time I have filed a complaint or disputed these items and they have failed to remove them. Transunion has removed said items and took into account my documents. I have expressed this to both Experian and Equifax. An Experian representative has informed me that they do not investigate any disputes but that they send the information that a consumer sends to them to the creditors and if the creditors state the information they have on file is accurate then the bureaus list the items as VERIFIED AND UPDATED. They continuously send stalling letters stating they need proof of my identity or they could not process my disputes due to me not verifying the reason for the disputed items to be removed. The items are XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have been listed on my FTC report that the bureaus stated I have to have in order to process my disputes and have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I submitted a dispute to Experian in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting XXXX they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus ( XXXX ) yet now that same Bureau is not acknowledging my dispute towards items they expose me of.
Product: Debt collection

I recently check my credit report and notice inaccurate accounts from Direct Management inc with some alleged debts from {$350.00}, and XXXX.So, I sent them letters on XX/XX/2021 disputing the validity of the debts, and requesting documents of each account.I have also attached copies below for your viewing to assist me with the process.I haven't heard anything from them as of now.
Product: Credit reporting or other personal consumer reports

I see that you continue to report this account as verified - XXXX - XXXX. There are inconsistencies in how TransUnion has reported my account information compared to XXXX and XXXX. Despite the same eOscar communications and data being provided to all three bureaus, TransUnion 's records do not match those of the other two, which has caused confusion and potential harm to my credit score. If your company is using eOscar for verifications, wouldn't you receive the same information as XXXX and XXXX? Please provide detailed information on how this account was verified. 
How did TransUnion verify the account in question? 
What specific sources or methods were used in the verification process? 
How does TransUnion ensure accuracy and consistency with the data received from eOscar communications? 
What steps does TransUnion take to rectify discrepancies when they are identified? 
How does Transunion ensure accuracy and consistency with metro 2 reporting received from eOscar communications? 

I will tell you upfront and again ... neither XXXX, or XXXX were able to validate this debt and as a result, followed the law by deleting it from my account. Do the same! 

I respectfully request a thorough investigation into this matter and a detailed explanation of the verification process used for my account. Please keep me informed of any updates or actions taken.
Product: Debt collection

In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent the plaintiff and requested for " VALIDATION '' of debt. They refused to send in anything but summary of the said account by the CITIBank. Yet, per the court case ( # XXXX, Attached copies ), I have been summoned to appear in court. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( 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. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX ACCOUNTS listed in my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX pulled my credit report twice when it was supposed to be one hard inquiry. 

XXXX XXXX XXXX pulled a personal hard inquiry for my business application that they weren't supposed to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect issues reporting in my credit reports with XXXX, TransUnion and XXXX so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, and remove the late payments from XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

Hi, I am an Capitol One bank recipient. I have a 360 manage savings account. In the month of XXXX I was issued one deposit on XXXX XX/XX/XXXX. I had no money to hold on being that I had bills to pay and the lost of my dearest aunt who is a matriarch of the family and beloved too. I was in despaired because there was not enough to cover my flight nor my stay being that I was being withhold from my funds by someone in order for me to travel and say my good byes, and did not. 

I reached out sometime last week from today date in request of a deposit that was not provided to me in the month of XXXX and I was given one check only. I am XXXX XXXX and the The HR at the XXXX  I work for stated that she send my time card and that I should have gotten payed before the holiday and I told her no I did not. 

When I heard in social media that Capitol One Bank stood with many people money, I nearly panicked because i was in disbelieved that it would not happen to me, and it did. 

I called capital One Bank on XX/XX/XXXX at XXXX XXXX eastern time disputed by demanding where is my money?? It took about two agent upon the call that I was making and it so happen that they connected me with an agent, which is the Customer Protection Department. Agent did not help as much but to take my information down and trying to make sense of where was my money at I expressed that why did I get payed one time in the month of XXXX, and not twice as it was expected?? which makes no sense whatsoever! Agent could not explained to me that my {$1300.00} and some change could not be found. I reached out to the payroll at my organization and they stated that it went through. Agent then proceeded that the investigation would take up to at least 45 days from the time of the dispute, really?!? 

This has created a dishonest on their behalf for not telling me anything about my deposit, unprofessional, emotional distress, time consuming, bills delayed, sleepless nights, not eating right because i was depending what am I going to eat the next day by trying to stretch a XXXX. I am a patience person but my patience is wearing me out and I cain't no more. 

I am angry as I type this claim. Hope that someone investigate this subject matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint regarding identity theft. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days of receiving the following : ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is unrelated to any transactions by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXXBalance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 went into XXXX XXXX XXXX XXXX on XXXX, XXXX , Texas and spoke with member service in regards to inadequate information on my credit reports. An Officer of the bank provided a letter in regards that I was never late and this account should be close with no negative remarks. This account was closed in XX/XX/XXXX; however the bank officer I spoke to at the time of closing my account did not show a balance owe to this account. The bank charged me a NSF fee after the account was closed which I do n't understand. I paid this account in XX/XX/XXXX in order to open an account at another bank. I submitted this letter and dispute the information online with Experian ; however, Experian updated reflected this account was charged off XX/XX/XXXX instead of XX/XX/XXXX once the account was closed. I disputed this information again with the bank because Experian stated they updated my information based on the creditors statement. This action caused my score to drop 24 points.
Product: Credit card or prepaid card

On XX/XX/XXXX I took {$40.00} out of my Credit Card XXXX, TD Card Services charged me a fee for taking cash out of a TD ATM. Additionally for over a year TD Card Services has refused to fix their system to allow me to make payments inside a TD Bank store which is in direct violation of the TD Credit Card Agreement, subsection 2 of section G which is found on Page 3. I was told by Card Services that any TD ATM would charge me a fee to take money out to which I proceeded to the XXXX TD Bank ATM to take {$20.00} out and was not charged a fee.
Product: Debt collection

On XX/XX/XXXX I " bought '' a car from XXXX XXXX XXXX. My financing was done through XXXX XXXX ( a subsidiary of XXXX XXXX XXXX ) and as of XX/XX/XXXX they shut down the pay site and stopped our ability to make payments on time. 
Starting on XX/XX/XXXX I started receiving numerous harassing phone calls from Westlake Portfolio Management ( a debt collector ). 
I am unable to contact anyone at XXXX XXXX XXXX or XXXX XXXX regarding my vehicle. My car title shows a completely different entity ( XXXX XXXX XXXX who shows as a transportation company with 1 truck and 1 driver ). 
XXXX XXXX Co shares an address with XXXX XXXX XXXX  and XXXX XXXX. I am being harassed now by a debt collector through no fault of my own and being told that I will not be receiving my car title as Westlake Portfolio Management is only " servicing '' my contract. I have warranty with my original contract with XXXX as XXXX has stated that they will not honor the warranty. 
XXXX XXXX XXXX and XXXX XXXX have filed XXXX XXXX  bankruptcy in XXXX XXXX in Delaware. The businesses have not been dissolved in my state of Alabama. I have no way to contact the XXXX XXXXXXXX XXXX  too ask about my title and I feel as though I am being defrauded as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has blocked all attempts to contact them. 
I have never been late on my car payment with them and being handed over to a debt collector does not set well with me. They are calling 3 to 5 times a day. Harassing me to pay every single day.