23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.
Product: Debt collection

There was a dispute sent to Resurgent Capital on my behalf for 2 accounts listed under their name to verify debt and accuracy of collection account. They've sent a letter on refusing to investigate as per FCRA requirements.
Product: Debt collection

For several months, I've been attempting to address an incorrect account linked with HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX ) on my credit report. Despite my exhaustive efforts, which include numerous calls and letters, the problem persists. This misattributed account has detrimentally impacted my credit score, preventing me from securing a home loan. 

Feeling overlooked and unheard by a major corporation is disheartening. Given the unresponsiveness of HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX ), I'm reaching out to the CFPB. I trust in their capability to address and rectify such discrepancies, as my direct efforts with the bank have proven fruitless.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the laws USC 1681 and USC 1681s2 my rights were violated by this company. The law states that I have a right to privacy and did not give permission to have this put on my credit report. 

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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( Original Creditor : XXXXXXXX XXXX ) # XXXX 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the XXXX. I had reached out to XXXX because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from Experian that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to XXXX on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take two cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.
Product: Credit card or prepaid card

Zales credit card just hit me with {$260.00} interest charge on my XX/XX/XXXX statement. 

I got a total of 3 different rings for them. The 1st time my husband order online in XX/XX/XXXXand when the ring came in it looked a lot smaller than it was online. So we returned it to our local Zales Outlet Store in XXXX, IL on XX/XX/XXXX. 

We then purchased the 2nd ring on XX/XX/XXXX and when I was offered the promotion I declined it because I use to work for XXXX XXXX and they use to finance for XXXX XXXX once the 18-24 month of promotion would end they would get hit with anywhere from $ XXXX {$3000.00} worth of interest on their appliance so I rather pay the interest. 

On XX/XX/XXXX we purchased the 3rd and final ring we bought. The young lady was suppose to do an exchange, however she stated that she had to do a return then buy the new ring. After she returned she was having some issues with getting me the new ring because Zales kept declining my card. Finally they stated they needed to speak with me when the young lady called the credit department. After doing some verification they finally let the sale go through. 

So if I went from paying interest to a promotion I was unaware of it until yesterday. Well I get a notice from one of my credit monitoring on yesterday that stated that one of my cards are over the limits. It stated Zales. Please find the statements attached. It shows that I was paying interest on the 2nd purchase but changed on the 3rd purchase  unbeknownst to me.
Product: Checking or savings account

I disputed a charge on my account for {$200.00} & all I was told that theyre denying it without cause! Thats stealing Ive been waiting to long I have a headache typing this because XXXX XXXX XXXX XXXX XXXX XXXX trying to find a high up to handle this the correct way with issuing my money back to its owner!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX Card Services Account # XXXX, has 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 a 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.
Product: Credit card or prepaid card

American Express has frozen my 1,200,000+ miles not allowing me to use them or giving me any reason why, and unable to give me a date they will be unfrozen. I have called their rewards department numerous times trying to get answers - I have been an AMEX member for 12+ years and these points were accumulated over the last year. 

Their inability to give me answers or release my points has cost me over US {$8000.00} in increased travel costs for XX/XX/2021 since I was not able to use my points for the trip.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about XXXX XXXX, I received a letter from American Medical Collection Agency that I owed an unpaid debt to XXXX XXXX XXXX XXXX in the amount of {$110.00}. Despite writing to the Agency asking for proof of the debt, they reported the debt to all XXXX credit bureaus. 

I was surprised to learn of this collection debt after I was denied a mortgage. Upon contacting the company, I was told that I had an outstanding balance of {$110.00}. I was told by XXXX of the representatives that if I wanted to settle this right away, I would have to pay additional processing fee, equaling a payment of {$110.00} which I made on XXXX/XXXX/XXXX, Confirmation # : XXXX ( please see attached ). 

Upon reviewing my past credit report, I noticed that the debt was reported in collection as of XXXX/XXXX/XXXX. Upon further investigation of my records, I noticed that I had previously filed a complaint against the Agency on XXXX XXXX, XXXX, after the credit bureau found that the debt was not valid. 

As you can see in the attached letter from the company dated XXXX XXXX, XXXX, they agreed to close the account and have it deleted from all three credit bureaus. 

From XXXX XXXX to about XXXX XXXX, this item was not being reported with any of the credit bureaus, nor was I contacted by this Agency or any other company about this debt. 

I am attaching proof that this debt was never mine, and in fact the company agreed to remove it from credit report. 

I have paid this company {$110.00} that was never owed to begin with. I am asking that you please investigate the illegal activities of this company. In addition, I am asking that they refund me the {$110.00} that was paid to them on XXXX/XXXX/XXXX. In addition, I am asking that the Agency grant me any other remedies available due this company 's unlawful collection activities. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
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

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX  XXXX   {$760.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SS # XXXX XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

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

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX  XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I saw some inquiries as well I don't know about : XXXX XXXX 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

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting

My credit score with Equifax has went from XXXX to XXXX in less than one month because of their online dispute process, and them re-inserting previously deleted information. I have sent them over 5 letters requesting for investigation, and now they have somehow inserted a previously dormant and deleted account.
Product: Money transfer, virtual currency, or money service

I reluctantly opened a Venmo account after receiving money as a gift. AFTER Venmo allowed me to transfer the money to my checking account, they froze my account. 

They are requesting that I unload my checking account statement. I will NOT do this under any circumstances as I will NEVER use Venmo ever again. 

I want my account closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not only breaks the law-605B FCRA, by not blocking fraudulent information after i meet all my obligations. They have not admitted it directly, but they are accusing me of lying. 
They claim to be able to break the law and harm me irreparably, simply because i removed a credit freeze. Experian is not correct, i have letters from the entities saying they agree with me. Experian did not comply with any of the 3 parts of 605B FCRA- A or B or C.

They did not block any info according to A, they did not notify the entities i requested a block or i filed an ID theft report according to B, and they refused to block info and claim 1 of 3 happened according to section C, instead of specifying which happened as the law requires.

To sum it up they just simply break the law and don't follow any parts of the law even there's the law that says they have to follow all 3 parts. They just disregard the entire law section 605B of the FCRA. That is completely wrong and they need to follow the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX Personal Information for Experian NAME : XXXX XXXX XXXX Please delete any names in your system that do not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do no match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX The only reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove any address you have in your system that does not match XXXX XXXX  XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

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

I am writing to formally lodge a complaint against both XXXX XXXX XXXX and XXXX due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention. 


**Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed. 
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full. 

XXXX XXXX XXXX is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt.

Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping XXXX XXXX XXXX  exploitative lending practices. 

However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days. 

Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.

I have undertaken several concerted efforts to dispute this misinformation.

While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.

I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments.

This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.

Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Customer Service at BestBuy. The woman said that she could not see what the charge I was disputing, only that I had fees for non payment. I explained that I should have a {$0.00} balance because, I was unaware of any purchase that was overdue. I rarely have ever used this credit card. The one thing that I did buy in XX/XX/XXXX was a printer, which I returned within days. When I returned it, the girl at the customer service desk at the store verified that this would clear my balance. 
The rep on the phone was from another country and she and I had a difficult time understanding each other. After a while of unsuccessful communication, I hung up, and called " Billing ''. If anything else was purchased on my card, I told him that it was fraud. He, then, said he would report it. I also asked that my credit card be closed, as I had no desire to continue with BestBuy 's credit card. I also asked for a paper statement. 
Since then, my credit card is closed. I have never received a paper statement, though. 
XX/XX/XXXX, I called Best Buy 's Billing Department, and did not get through to anyone, but did find out my request was granted and I no longer have an account with BestBuy via Citibank. 
I respectfully request that my credit score be corrected. 
Thank you in advance.
Product: Vehicle loan or lease

On XX/XX/XXXX purchased a XXXX XXXX XXXX for {$14000.00} Exeter Finance is the lender, payments of {$370.00} per month Had total of 6 months deferred payments since XXXX. Shows late fees for this year of {$25.00}. Balance still due is {$5400.00}. Was given a 10 day payoff on XX/XX/XXXX for amount of {$5700.00}, since XX/XX/XXXX made {$900.00} in payments, that only reduces pay off by {$340.00}. 
This account is at its mature of the loan .... Interest 23.99 % I feel there are additional fees that I am unaware of and that if that is the case they exceed the federal limit of 18 %