23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

PayPal Synchrony Credit MasterCard closed my account on XX/XX/XXXX without any notification or explanation. The balance was {$0.00}. It is assumed that that this bank closed the card due to continued complaints of disputed charge from XX/XX/22 from a scam vendor in XXXX in the amount of {$210.00} which has been brought to CFPB 's attention through multiple complaints.
Product: Credit reporting

On XXXX XXXX, XXXX, I received an alert from my credit monitoring company All Clear ID that I had a new item on my credit report. The item was placed by XXXX XXXX XXXX XXXX. We called and found out that I have been a victim of fraud AGAIN through XXXX XXXX. The acct number for XXXX is XXXX, at address XXXX, TX XXXX contact # XXXX and email address of XXXX. I called XXXX and informed the fraud department this is the XXXX time that I have been a victim of fraud with their company. Why did n't they block my social for any new services. I have a credit freeze on my credit since XXXX, fraud alerts and a credit monitoring service. This should not have happened a XXXX time with XXXX if their informational system had due diligence and fraud preventive measures in place. My local police department Detective XXXX XXXX of XXXX Police Department XXXX. XXXX had the audacity to tell me that they have no idea if I allowed these people to use my credit history for services. Very poor customer service and fraud department even worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Verification of Bankruptcy on My Credit Report Dear Equifax, I am writing to request the verification of a bankruptcy entry on my credit report. How did you verify this public record? I feel your company is being deceitful with your reporting and this is a MAJOR violation of my rights under the FCRA. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information on my credit report. I am requesting that Equifax verify the accuracy and completeness of the bankruptcy information listed. If the information can not be verified, I request that it be removed from my credit report. 

Please provide me with the following : 1. Verification that the bankruptcy information is accurate and complete. 
2. The method and source used for verification. 3. A corrected credit report if the bankruptcy information is found to be inaccurate or unverifiable
. 

Please confirm receipt of this request and provide the results of your investigation within 30 days, as required by the FCRA. I appreciate your prompt attention to this matter. 

P.s. My NEXT letter will be a notification of my LOITS!! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA COMPLIANCE and also of the implemented CRSA enacted CDIA implemented Metro2 Compliance mandates as well. I will demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. I am NOT shy in detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows. 


Thank you for your cooperation. 

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

I sent a letter to  Trans Union letti ng them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and  Trans Union ref uses to delete the fraudulent accounts from my credit report stating in a letter its verified.  Trans Union provided no physical evidence to why they wont remove it, according to the   FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number :   XXXX   These accounts need to be Deleted asap!    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

I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On XXXX   it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My Experian shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Product: Credit reporting

I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.
Product: Credit reporting or other personal consumer reports

XXXX  alert came across my email to inform me that I had a negative inquiry. My account is frozen and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency named Helvey & Associates Inc., stating the collection amount owed is {$1700.00} past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've never opened up an account with this company.
Product: Credit reporting or other personal consumer reports

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

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

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

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


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Yes my name is XXXX XXXX I saw a article online about XXXX  credit acceptance this is where I got my loan from for a XXXX XXXX XXXX the price for the car was XXXX XXXX monthly payments was XXXX I never really understood the agreement in was just so excited to get a car my girlfriend co signed I really didnt know this car would hurt me financially with the payments & interest tax it hurts me with hardship in yes its the same loan company credit acceptance I co signed for a Friend in he pays XXXX XXXX  month its just ridiculous his name is XXXX XXXX I co signed for him in its bad cause he cant even refinance this will make a person XXXX XXXX or look to XXXX  activity because its like weight on my shoulders I cant get off
Product: Credit card or prepaid card

Capital one has made my credit card restricted without disclosing a reason. They have taken a payment to XXXX  the account and are still taking payments on a card that Im not using. They are reporting this activity and dropping my credit score.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I contacted Transunion in XXXX of this year concerning this issue. Transunion had no authorization from the courts nor myself share my information. once i contacted Transunion they stated that the information they had was accurate and that they did not need to make any changes to my credit report, but yet and still it is against the law to share my personal information without my consent or the courts that they stated reported it to them it is false information and unauthorized.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$950.00} XXXX - XXXX XXXX {$770.00} XXXX  XXXX - XXXX - {$1300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

In 2019 I was the victim of identity theft. The company was XXXX. I contacted them. My attorney contacted them and the collections were removed. I never used XXXX ever. Someone ordered 4 phones in my name. The FCC gave me free credit monitoring due to this and all was resolved. Now the same company XXXX has reported it through Jefferson Capital Systems for the same account. It keeps appearing.
Product: Debt collection

Was coaxed into buying Solar panels for Mobile home that do not work. Was coaxed into a loan XXXX loan for solar panels that are not working. Energy company advised that panels are not working and was advised that company is not a reliable company.
Product: Credit reporting or other personal consumer reports

Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via XXXX XXXX. All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency ( IRS )
Product: Credit reporting or other personal consumer reports

My credit score is going down because of this person who has their credit card on my credit score.

I don't know who it is.

Also, I'd like my credit score back to what it's supposed to be.
Product: Checking or savings account

Chase approved someone with my card info to withdrawal money from and atm inside their bank that is in another state other than the one I am in.
Product: Credit card or prepaid card

Hello, I've had an issue with Capital One internet services. I found out through my Experian credit monitoring that I was behind on a payment. I never received noticed of this payment being due either by email, letter, or phone. I thought that the balance was at XXXX and I never use the card. I had cut the card up long ago. When trying to resolve the issue, it's been nearly impossible to deal with their online interface. The only way to log in to my account after forgetting my password was with the CCV code on the back. Obviously, not having the card, I didn't have this information. I've been dealing with over 5 different customer representatives to try to regain access to my account, and it's taken hours. A huge problem was that the company wanted to verify my account information using only text messaging. As someone who lives in a rural area, i don't receive text messages, and was forced to consent to use them as means of communications regarding my account, despite not being able to receive them. I find this an unfair disadvantage for just trying to maintain my account information as someone who doesn't live within cell range. I rely on satellite internet, but standard messages do not go through. As someone just wishing to receive timely information about my account, and someone who's had a spotless payment record up until this point, I find this mark against my credit as an unfair penalty for not living in more urban environments. The amount of my time spent trying to resolve this issue was absolutely ridiculous, and at no point was I ever offered the opportunity to resolve it via Email or other forms of internet communication.
Product: Consumer Loan

I purchased a car and it was reposed. Credit Acceptance garnished my wages and later placed a judgment of {$11000.00} plus {$260.00} for court cost in XX/XX/2009. I 'm trying to paid the judgment of {$11000.00} and was referred back to the attorneys that represented the Plaintiff. The attorney 's office told me I now owed {$23000.00}. It is my understanding that the amount I owe is the amount of the judgment {$11000.00}. I am a XXXX mother in XXXX trying to pay off this debt so I can buy a home for me and my children. This judgment is no longer on my credit report but it is still affecting my ability to become a first time home buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal. 

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX venmo I had money put into my account and for some reason they suspended my account with no explanation tell me that their account specialist is supposed to email me back which never have even though they verified my identity they still suspended my account for some reason
Product: Debt collection

I pulled my credit report and found this company listed as a collection. I am unaware of any collection. I was not sent any notification of this debt. I tried to call the number on my credit report numerous time and get a recording. I am not a will not provide any of my personal information on the phone due to there being so many scams in the world. It states the first delinquency of this account was XX/XX/2020 and my bankruptcy was XXXX XX/XX/2020. I currently should not have any debt and have accumulated any new debt. Please help
Product: Credit card or prepaid card

In XX/XX/2022 I purchased a computer device for {$5300.00} using my Discover credit card through XXXX. The computer arrived defective, so the seller promised to fix it. I sent it back to them to fix and then the seller claimed they never received the money from Discover. As a result I don't have the computer and Discover still charged me this amount plus a bunch of late fees. I have been disputing this with them since XXXX this year. Now they ruined my credit score and I can't buy a house. Please, help ASAP. I never had in the past, nor have any debt now, my credit score is supposed to be perfect. I have all the proof and documentation, please, let me know if you want to see it. 
I already filed the report with you, Discover replied with a bunch of lies and you closed the case without notifying me or letting me provide all the proof. Now you owe me an explanation why I should pay for the item I have not received and how are they allowed to ruin my perfect credit report after trying to steal money from me.