23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with CVNGTNCRED account XXXX XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I disputed an account listed under XXXX XXXXXXXX XXXX XXXX  on my XXXX, transunion and XXXX credit report, as I have never conducted business with this company nor authorized any transactions associated with it. Despite submitting my dispute with sufficient documentation, including proof of identity and supporting details, XXXX, Transunion and XXXX. failed to conduct a proper investigation or remove the fraudulent account. 

This account has been negatively impacting my credit report, and XXXX, transunion and XXXXXXXX XXXX  lack of action violates the Fair Credit Reporting Act ( FCRA ), specifically the requirements under XXXX XXXX  XXXX, which mandate a reasonable and accurate investigation of disputed items. 

The dispute was initially submitted in XXXX, and I have yet to receive any meaningful response or evidence of verification from XXXX, transunion and XXXX. This lack of action has caused significant XXXX XXXX and XXXX, as the inaccurate account continues to damage my creditworthiness and financial stability. 

I request that the Consumer Financial Protection Bureau ( CFPB ) hold XXXX, transunion and XXXX accountable for their failure to comply with FCRA requirements. 
I demand a thorough investigation of the disputed account and the immediate removal of the fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit card

I booked a hotel in XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for the amount of {$1500.00}. I used my rewards of XXXX miles, my travel credit of {$300.00}, and {$530.00} to pay for the total cost of the hotel. I booked it through Capital One XXXX XXXX for XX/XX/2024. I made the payment on XX/XX/year>. I also received a reservation details with all the information and booking details. 

When I arrived in XXXX on XX/XX/year> with my husband and sister, they brought me to XXXX XXXX. I didnt know at the time that it was different from The Suites until I got there and did not find the amenities that I booked. One of my friends got XXXX  XXXX because they wanted to book where I booked, so I was able to compare it. It wasnt until 2 days later when I asked the reception why I was placed at XXXX XXXX when I clearly booked XXXX XXXX. Thats when they made me speak to the General Manager and learned that it was not Capital one who booked it but XXXX. I have no idea at that time that there was a third party and if there was, I was not informed. The General Manager tried to upgrade me to XXXX  XXXX but they were fully booked at that time. So he advised me to email Capital One and he will email XXXX. He said he will refund me XXXX. There was no email available for Capital One so I waited until I got back from vacation to call Capital One. XXXX XXXX XXXX XXXX has 3 hotel categories. The highest is XXXX  XXXX, followed by XXXX XXXX and the XXXX XXXX, which is the lowest. 

When I came back from vacation, I called Capital One and told them what happened. They said they will do an investigation and email the hotel. I also have an email correspondence from the XXXX XXXX XXXX XXXX General Manager and he told me he never once received an email or call from Capital One. Whenever I call Capital One, they keep on saying that the hotel is denying my refund, which was not true because they never contacted the hotel at all. When I called Capital One again for update, they gave me an email address and instructed me verbatim on what to say on the email and not to mention anything else. I did what I was told but there was no response until I sent a follow up email telling me that they are waiting for the hotels response. I was emailing the Gen Manager of the hotel back and forth and he never once received a correspondence from the agency that I was emailing. So what I did was, I sent an email to both the agency and the hotel and at last they were able to communicate. They both said that they have the right mapping of the reservation and it was Capital Ones end who made a mistake and they need to compensate me for that. I received an email from Capital One saying that the hotel has just gotten back to them and is denying my refund, therefore I will not receive anything. I forwarded the email to the Gen Manager and he said that they are lying and that Capital One never sent him an email. 

I have run out of options. I feel like I got scammed. Capital One have no interest in solving this problem at all that is why I am asking for your help. 

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

Tried calling credit bureaus, sent ftc affidavit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report related to XXXX XXXX ( Account # XXXX ). The entry indicates that my payments were 30 days late during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I believe this entry is inaccurate, as my records show that all payments were made on time. As such, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681d ( 1 ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and 15 USC 1681a ( 2 ) ( A ) ( i ), to challenge the validity of this late payment report. These accounts are inaccurately and invalidly reported to your bureaus, as they are not reflected in my XXXX credit report. This inconsistency is clear and compelling evidence that these items are either erroneous or unverifiable. 
The FCRA requires that credit reporting agencies report only accurate and verifiable information. This late payment entry does not reflect my true payment history and is misleading to potential creditors. By continuing to report this inaccurate information, your agency is violating federal law and this treatment is unjust and detrimental to my financial standing. 
I request that you promptly investigate this issue and correct the record by changing the late payment entry to " OK '' or " Paid on Time '' status. Under the FCRA, I understand that you must complete the investigation within 30 days and provide me with written confirmation of the correction, as well as an updated copy of my credit report.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX has held a {$270.00} Credit Balance of mine for over 3 years. During that time they have made no attempt to contact me either by phone, email, US Mail or any other means. I received no Account Statements during that period. This has the appearance of a profit making Scam, since the letter I finally received offering a settlement was A FORM LETTER this suggests to me that I am not the only customer of theirs that has suffered this same fate. 

They are now offering me a refund 10-14 weeks after their proposed XX/XX/XXXX settlement date. 

Chronology : On XX/XX/XXXX I received a letter from Synchrony Bank stating that I had a credit balance of {$270.00} since XX/XX/XXXX. Offering me a refund of my money if I signed and returned a copy of the letter either by email or US mail. I signed and returned copies by both email and US Mail. I have had no acknowledgement of receipt and have no way of knowing whether my submission was received. 

They gave no phone number or any means to conact them other than an email address that responds via robot and gives me no result. 

THIS IS A SERIOUS VIOLATION AGAINST NOT ONLY ME BUT I'M SURE AGAINST SEVERAL HUNDRED IF NOT THOUSANDS OF CUSTOMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit to any of the following inquiries. I want them blocked and removed. 
XXXX. XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX  ) XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX ( XXXX ) XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by SYNCB/XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I deposited an amount of {$540.00} at an Bank of America ATM, XXXX XXXX XXXX XXXX, XXXX XXXX. The time was XXXX. This is a drive thru atm. The cash went inside the atm machine but the screen just stopped there. I had to make two more deposits but the ATM machine didnt seem to be working right. I waited there in hopes that maybe it will return my cash but it didnt. I did recieve a receipt though that says " We apologize for the inconvienience.We are unable to process your request and can not return your item ( s ) ''. Money didnt showup in my bank too! It was Friday and time was after XXXX so no one picked up the phone when i called the helpline. I had to make two more deposits so i just went to the other atm at the same location that is a walk in atm ( not drive thru ) and deposited the rest of the money there. I was sure this isnt a big issue as the bank will take care of the issue. 

I called the bank the following week day, explained to them the issue and they credited me {$540.00} saying they will investigate the issue. Today, after 45 days i received a letter from the bank that my claim was wrong and that i didnt deposit {$540.00} but {$100.00} and they will debit the excess amount of {$430.00} from my account. 
That is a totally false investigation. I dont understand why dont they just the XXXX footage or cameras or make use of their INVESTIGATIVE RESOURCES the correct way! This is a total scam they are doing. If their atm systems can fail and eat up my money then no wonder their investigation team is also similar. The system is flawed. I just need proper investigation and need a fair decision! 
Also, i have my bank statements with me where one can clearly see that there is absolutely no deposit of {$100.00} to be seen anywhere. Which once again proves their negligence and an attempt to eat my money!
Product: Credit reporting or other personal consumer reports

According with the fair credit reporting at the list of accounts below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX account number XXXX Account name XXXX XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX  account number XXXX account name : account number XXXX account name XXXX XXXX XXXX XXXX  account number XXXX account name : XXXX  XXXX account number XXXX account name : XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. 

Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it 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 items of information, other than records, or convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding the fraudulent information on my credit report, which has not been removed despite providing all necessary documentation. This includes an active police report, an FTC identity theft report, my drivers license, Social Security card, and proof of residencyall of which substantiate my claim of identity theft.

Failure to Remove Fraudulent Information I have repeatedly disputed inaccurate items on my credit report, yet Equifax has failed to take appropriate action and remove the fraudulent information. This information is negatively impacting my credit and causing me significant harm. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have such fraudulent items removed once I provide evidence of identity theft, which I have done on multiple occasions.

Equifaxs Legal History & Continued Violations I am aware that Equifax has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate disputes and remove inaccurate information from credit reports. It is troubling that I am experiencing the same issues that have led to regulatory action against Equifax. This further demonstrates your companys pattern of noncompliance with consumer protection laws, and I find it unacceptable that my valid dispute continues to go unresolved.

Requested Resolution Immediate removal of all fraudulent and inaccurate information from my credit report.

Provide written confirmation that my dispute has been properly investigated and resolved.

Compensate for the errors and failure to investigate by offering free lifetime credit monitoring.

If these issues are not resolved promptly, I will be forced to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney General 's Office. Additionally, I will explore my legal options regarding Equifaxs failure to comply with consumer protection laws.

I expect a written response within 15 days confirming that these demands have been met. Please contact me at XXXX or ( XXXX ) XXXX should further clarification be needed.
Product: Mortgage

I appied for extention for XXXX payment due to loosing my job and spouse being sick. 
I decided to appy for assistance then findour PPH Mortgage reported my mortgage being one mont delinquent on my credit report while waiting on them to response to my extention. Therefore, the note will show late another month while waiting on them to correct this problem. PHH mortgage stated it will not be corrected even if it was their problems. Its just taking months to approve an extention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the credit reporting agencies over the last few months. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXX  virus. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Product: Debt collection

This company called my job today, XX/XX/2019 they did NOT ask to speak with me. They asked for my supervisor and informed her that a deputy was on his way to arrest me and serve me with legal documents. My supervisor gave me the information. I called the company ( XXXX ) XXXX and they refused to identify themselves. Just repeated over and over that they were on their way to my job and I had 1 hour to give them my payment information.I asked them why were they calling my job and telling my supervisor lies. I was informed that I should've paid my debts and they did a background check on me and that's why they're coming to my job. I told them that I believed they were a scam, because they wouldn't identify themselves and they could've easily got my home address and my personal phone number, IF they indeed do a background check. The guy then got very hostile and told me that I was going to jail. I repeated over and over that I had 1 hour to pay and hung up the phone. Instead they're trying to bully and embarrass me by telling lies to my supervisor. I informed my supervisor that it was a scam and she said she was happy. The damage is already done!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Crdit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reportingagency 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 believethat the information is inaccurate.
Product: Debt or credit management

The identity thieves/ hackers, partner XXXX XXXX XXXX XXXX and old XXXX XXXX XXXX XXXX and XXXX XXXX opened a Chime account in my name without my knowledge and permission. I don't know what they were doing in the account with my name. I got emails from Chime at a different email address, which was XXXX. The Chime is for a credit builder account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have not heard back from you in over 30 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2021 ... proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to transunion and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and transunion has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more