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

Account Name : XXXX  Account NumberXXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXXXXXX XXXX to get this old account deleted/removed it was paid off back on XXXX XXXX, 2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account XXXX Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
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 or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I have a Macy 's American Express Card. I made a payment on XXXX/XXXX/2016 that was more than the minimum balance due. They applied the payment to the Macy 's Store Account which had a {$0.00} balance. They then proceeded to call me on XXXX/XXXX/2016 at XXXX am from XXXX ( no message ), at XXXX pm from XXXX ( no message ), at XXXX from XXXX ( no message ), and at XXXX from XXXX ( no message ). These are central times. I looked the numbers up and called Macy 's. I was told that when an account is delinquent they can not control how many times a phone number is called.
Product: Credit card

Capital one is holding on to my credit balance of {$21000.00} since XX/XX/2023. On XX/XX/XXXX they took out the credit balance from my account, but as of today the refund has not been mailed back to me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : Credit Management Lp Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXXXXXX XXXX  Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXXXXXX XXXX XXXXXXXX. 

*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Bank of America and gave me a XXXX. The account was settled less than the full balance. Bank of America ruined my credit. They have violated FCRA and robbed me of my rights to access/acquire credit by reporting incorrect information. They are continuing to report a balance and past due balance, They are continuing to report late payments as well.This has been damaging my credit and is a clear violation of the law. Attached herewith is a copy of letter I received and a screenshot of my credit report.
Product: Consumer Loan

I have paid my car payment up for 2 months my next payment is not due until XXXX XXXX of XXXX dollars. I have had car payment in the past and if you make payment ahead of your payment date you do n't make all the high interest. Ally is charging in high interest for payment I have already made.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX - {$75.00} In accordance with the Fair Credit Reporting Agency, the company listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation.

Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. this company has reported payments late for the months of XXXX XXXX XXXX XXXX and XXXX of XXXX, when all payments were made on time. i have requested and attached checks made out to this company that were sent from my bank to pay for this loan on time. i request that these late items be removed immediately Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments. 

Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( XXXX, XXXX, and TransUnion ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report. 

Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX XXXX XXXX This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard.

Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law.

Request for Confirmation : I kindly request written confirmation from XXXX XXXX  once the corrections have been made and the accurate information has been updated on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was defrauded my a person using XXXX XXXX. My bank USAA denied the transaction disputes. Even though XXXX XXXX found fraud and promised to refund the money. XXXX claims that on XX/XX/2023 they sent the money back to my bank. However my bank claims not to see it. XXXX still asserts that they sent the transaction. I want USAA to refund me the money as XXXX XXXX  can not. the amount is {$6200.00}. Previous complaint about XXXX XXXX is XXXX. Details are attached to that. I want USAA to reverse or credit my account {$6200.00} as XXXX XXXX says they have and refuses to try another method or try again.
Product: Credit reporting or other personal consumer reports

I sent address affidavit on XX/XX/2023 to XXXX to correct my address certified mail and received the return receipt. As of today they have not made any corrections- Please have them to follow the LAW! Who's addresses are these someone must have my personal information PLEASE UPDATE with valid information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a section of my credit report which shows my two XXXX XXXX XXXX auto loans from XX/XX/2005. The account numbers on my credit are # XXXX and # XXXX. I am filing this complaint because the credit bureau is incorrectly reporting that these accounts were past due and at one point, a " redeemed repossession ''. This information is not accurate. These accounts were paid in full years ago but I was never past due on them and they were never repossessed. I do not understand why they are reporting this negative information. I have been disputing these mistakes with the credit bureau for over two years, going back and forth with documentation showing that they were never late. The only responses I have received are that the information has been " verified '' and they will not update this account. I can't take this anymore and I need the assistance of the Consumer Financial Protection Bureau to help me with my issue. I have my old statements to show these loans were never late or repossessed but more than that, I called XXXX XXXX and their own representatives have confirmed to me my accounts were never negative. This is what puzzles me. How is it possible for the credit bureau to come back and say the negative information is accurate when the original creditor itself, XXXX XXXX, is telling me otherwise. This is the reason I am filing this complaint. Their negligence and refusal to help me fix this issue will no longer continue.
Product: Mortgage

Union Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX does not answer the phone. My bank can not get mortgage payoff information from them and suggested I try. I've been on hold for 1 hour, 15 minutes and counting. I find this unreasonable customer service. It is holding up my refinancing. Of course, they continue to get 4.5 % while I wait for them to answer the XXXX phone.
Product: Checking or savings account

Initially I received XXXX checks from the state of which I live in, all checks are for the amount of XXXX XXXX being that they are checks from the state I expected them to clear between XXXX XXXX XXXX  instead I was told the first check wouldnt be available until about almost XXXX XXXX  later, first check was mobile deposited XX/XX/XXXX evening of a Friday, I called and spoke to a supervisor who was willing to help me verify the check by calling the proper verifiers, when other supervisors told me the check can not be verified through XXXX XXXX XXXXXXXX the check issuer, so if XXXX discover bank employee can do it that the others should be as well, in regards to the XXXX deposited checks I just mobile deposit its also a almost XXXX XXXX  hold XXXX XXXX  I believe, and the discover bank is telling me the supervisor was new and was not suppose to help me verify the check? Also I received a email saying that my XXXX XXXX in checks are gaining interest in that duration XXXX of which Im not profiting off of the bank is, also received a secondary email stating the risk attributed to the checks are unpaid or and in return potential, which is a contradiction because the checks are A from the state and B already received once and or verified. I believe this is unfair practices in discover bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a number of hard inquiry 's on my Trans union account that I never authorized and Transunion refuses to remove them : 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 NA, 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. 
All have multiple dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing the information on my credit file with Equifax. my credit report is invalid an damaged due to the data the credit agencies have reported. I am interested in disputing all incorrect information to fix the errors an clear my name thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against Equifax, XXXX, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a balance transfer in the amount of {$430.00}, which was my account balance with Macy 's. Macy 's declined the balance transfer. I was issued a check in the amount of {$430.00} by XXXX XXXX XXXX, and I went to their retail store located at XXXX XXXX XXXX, XXXX, TN XXXX. On XX/XX/XXXX I paid with the check that was payable to myself and Macy 's in the amount of {$430.00} with the check number XXXX. I was attempting to make the payment due. 

Unfortunately the payment system did not perform well, because the payment was never credited to my account. The next month I noticed that the bill was still showing as " not paid '', so I called Macy 's on several occasions, and they told me to fax or mail proof of payment, so I did along with a bank statement showing that the payment went through, in addition I included a copy of the check which had gone through my bank account. This occurred several times with me trying to show Macy 's proof of payment, via fax, mail ( which includes postal confirmation ) to no avail Macy 's still shows payment not made, and at this point they are charging me interest and late fees. After sending numerous letters, email, and talking to Macy 's, I could see that this will not be resolved easily. This is why I am now contacting the CFPB to see if you could assist me in rectifying this false claim that I have not made my payment. My account with Macy 's should be XXXX, instead, I have been reported to all three credit bureaus, and have now been placed in collections, and with the fictitious late fees, they now claim I owe them {$720.00} which is a false claim. 
As proof for the purposes of the CFPB, I am sending the XXXX Macy 's Account Statement, which if you subtract the {$10.00} interest charge the payment would be the {$430.00} which I paid in store and will be providing you with proof of payment, which was made on XX/XX/XXXX, which would XXXX  out my account. In addition, I am providing the register receipt of payment, and a XXXX XXXX bank statement. The credit card number I will be providing is a new card and number issued by Macy 's XXXX before they closed my account. Finally, I am submitting letters from the Macy 's Executive office acknowledging a problem, but never resolving the issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a dissappointment seeing my Credit File still indicated the disputed accounts and information beinf reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information as well as the ID THEFT REPORT I have been receiving from the FTC. I ave also been submitting CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, no matter how persistent I am, the Credit Bureaus have also been consistent in ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act section 605b, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to infrom the Credit Bureaus that I am working with a legal counsel to file a lawsuit against the Credit Bureaus. If the Credit Bureaus are not able to remove the dsiputed accounts and information per request within the time allowed my law, I will be forced to file the lawsuit. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$540.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$620.00} XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal