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

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX   {$2300.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$140.00} I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX and my address is XXXX XXXX XXXX # XXXX, XXXX OH. XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Product: Credit reporting or other personal consumer reports

Left a derogatory public record on my XXXX Credit Report. Southwest Credit System left a closed account of {$290.00} dollars. I called XXXX to file a dispute, to which they told me that the derogatory record is correct. I then called Southwest Credit System to have this removed, to which they told me that I still need to pay the closed account, even though IT IS NOT ME. I explained to them that I was born in XXXX, and it is physically impossible for me to have made an account with them during the time it was made. Ask them when that XXXX account was opened and compare it to my date of birth. The numbers do not add up. I was a minor when the account was opened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the consumer financial protection act ( CFPA )
Product: Credit reporting or other personal consumer reports

Subject : Demand for Action Against Equifax FCRA Violation Dear Sir/Madam, I am writing to demand immediate action against Equifax for non-compliance with the FCRA, specifically 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( a ), regarding the accuracy and verification of consumer credit information. 

On XXXX, I disputed inaccuracies on my Equifax credit report for the following accounts, which were improperly reported as charged off : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Despite my request for proof of charge-offs or deletion of these accounts per the FCRA, Equifaxs response was inadequate, failing to provide the necessary documentation or correct the report. 

Additionally, Equifax failed to furnish the requested proof of charge-offs for the disputed accounts. Instead, they chose to update unrelated details, a response that not only falls short of addressing the core issues raised but also deviates from the FCRA 's directives. This approach is not only unhelpful but also adds layers of inaccuracy to a report already marred by the significant data breach, further undermining the integrity of my credit history. 

Acknowledging Equifaxs removal of the collection account, I nonetheless demand the deletion of the remaining accounts per FCRA guidelines, following their data breach which compromised my information. 

Enclosed are relevant documents supporting my case. I urge your agency to enforce the FCRA and ensure Equifax corrects these violations promptly. 

Thank you for addressing this urgent matter. 

Sincerely, XXXX Enclosures : Dispute Letter, Equifax XXXX Report, Proof of Data Breach Involvement
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, XXXX and Equifix reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX
Product: Checking or savings account

Bought a XXXX from a XXXX XXXX on XX/XX/2024 through the university for {$30.00} instead I was charged XXXX and over charged. I was not given a receipt, called the university, however, due to the nature of the event they don't have a record of all purchases made on that day. Called Chase bank let them know the situation and they mentioned I needed a receipt, I mentioned I don't have a receipt because of it being a XXXX and they weren't giving receipts. They did not proceed to help me. I've been double charged before and never needed to provide a receipt until now.
Product: Mortgage

In XXXX of 2022, I paid my property taxes. I paid it based the bill that I received. Apparently it got there a few days late and they said that I owed another, approximately, {$650.00}, I mailed that additional amount the same day that I got the notice. A couple days later, I got a message from Bank of America that they had sent the taxes and were putting my account into escrow. I talked to them and provided proof that I had already paid the taxes. They notified me that they had applied for and received a refund on what they had paid. Then I got another message letting me know that due to delinquent taxes, they had created an escrow account for buy mortgage. I have explained to them ove4. and over what happened that that there were no delinquent taxes and they had been refunded for what they paid. They refuse to remove the escrow and claim that they can't do so. My property taxes are around {$4500.00} per month one now my payment has gone up almost {$900.00} per month which I can not afford.
Product: Credit card or prepaid card

XXXX accepted payment it is refusing to apply correctly. An account was opened, then closed without informing me. A new account was opened and used, then paid on time and in full. Payment was to the closed account and not properly adjusted. The payment is being returned to me rather than cancelled and sent to where it would be correctly processed. They are charging me for not paying on time when I did. They are not guiding me on what to do if I do n't receive the check to return it, and what their plan is if a different check needs to be issued in terms of who it would be issued to. I have marked my calendar for XX/XX/17 to inform them if I was not able to return the check to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to reach anyone at the number provided for this collection agency. I've never used XXXX insurance so the entry is completely unrecognized. Please remove immediately. 

XXXX XXXX  XXXX Account Number XXXX
Product: Credit card or prepaid card

When I make my payment via their website on the same day that it is due, the payment should be credited to my account that same day. Instead, they've set an unreasonable cutoff time of XXXX Eastern time. I live in XXXX time, so XXXX Eastern time is XXXX my time, which is at the end of a typical work day. When I work 10-12 hour days, I can never pay by the exact cutoff time on the due date, as I can't always interrupt my work day to make the online payment, which I pay manually. When I first signed up for the Lane Bryant credit card by Comenity, they didn't have this ridiculous cutoff time for payments. This is a change that they've made after I already agreed to previous/different terms of service. This is an unfair business practice. They are setting the consumer up to have a late payment and, as a result, a late charge. It's a disgusting attempt to boost their fee income.
Product: Checking or savings account

am being racially discriminated against! I do not appreciate how I am being treated as a XXXX woman, due to incompetence and False allegations are being made against me due to my race and its not fair. On Friday XX/XX/2021, Ive received an email from Capital One Bank Card Investigation and it stated that Weve decided to close your account ending in XXXX and XXXX because we observed activity that is inconsistent with our terms and conditions I was very confused to why my account was frozen, Ive never breeched any terms and conditions. out of frustration Ive contacted the number provided ( XXXX ) and Ive spoken with a XXXX male ( name unknown ) and he reviewed my account and stated he do not see why my account was frozen and that he will notate the account and reach out to the person that has frozen my account, its so happens the person who closed my account is a white woman ( name unknown ) he stated the the lady who has blocked my account was out for lunch and to give him my number and he will have her call me back, Ive waited and never received a call, Ive went to my bank speak to someone to demand an explanation and theyve reviewed my account did not see any suspicion on my account and that everything is currently active, the teller asked me did I speak to anyone regarding issue, I said yes and she stated that the account had not been notated, I said thats funny because the representative stated he will notate the account ; the teller called the card investigation department and was told that I have 3 open credit disputes, and I said that was false because all of those disputes are valid which were for a total of {$200.00} and Ive received an email yesterday stating my disputes have Been resolved and the claim will be closed, so why is {$1200.00} of my money being held? something is very fishy and its not adding up, I want my money back immediately! We are in the middle of a Pandemic and no one seems to care, I am currently unemployed and facing eviction! I have to pay my rent ( {$1300.00} ) and utilities Capital One Bank is playing with my livelihood and emotions, I am currently dealing stress and XXXX I am in financial distress, I need my money back! Please resolve this issue as soon as possible, thank you for your help
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name isXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

Please see the attached letter for all information and how I would like to continue. 

This serves as notice of subrogation to CarMax Auto Finance, as they have violated our agreement and given false representations/warrants, I now am asserting my XXXX GIVEN RIGHTS.
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 : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Hello my name is XXXX XXXX, I've brought XXXX XXXXXXXX XXXX brand new for XXXX Toyota and was financed through Toyota motor credit I traded in a car so the contract not making since how is the car was worth 42000 how my trade in was 7000 plus 3500 down and the car value was at XXXX its not making since that's the first complaint i contacted Toyota motor credit several times and keep getting the a ] run around my second complaint was when I tried to refinance the vehicle capital one been getting the run around from Toyota motor credit customer service not getting the payoff amount neither the apr that was financed through Toyota motor credit ask to speak to supervisor they are supposed to call back but no has called me back dealing with the major issue i have with this loan from Toyota things need to get resolved ASAP or I will consult in a legal team with the contract and other problems i have with this financed company, And third they are reporting to credit bureau one amount but mailing another amount for the outstanding loan i need clarification and Toyota or the dealership didn't obey the consumer laws in the contract so it needs to be abolished
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX Citibank/Citicards for more than 4 years, I have this credit card on a payment program, due to COVID-19 situation I was not able to make the payment for the month of XXXX And XXXX, I called the company XXXX XXXX XXXX on XX/XX/XXXX explaining my financial situation because the hours on my job were reduced due to COVID -19 and it had a big impact on me economically. The company XXXX XXXX XXXX said they would give me deferment on the payments because they understood the current situation With the pandemic, they also stated I had to communicate with the back which was Citi to let them know my current situation which I did on XX/XX/XXXX, and Citibank offered me deferment on payments for the month of XXXX, XXXX and XXXX and no late fees would be provided or reported to my credit bureaus. A week later they reported it to the three credit bureaus as late for more than 30 days, which is unfair because they provided me a different information. 

I am a very responsible person with a credit history for more than 6 years and I have never had a late fee or payment on any of my accounts. 

The CARES ACT law signed on XX/XX/2020 states that any lenders should provide deferments on loans or credit cards and dont report any delinquency on peoples credit reports. 

I filed a dispute and spoke to the bank and they denied on giving me that information on the deferment on XX/XX/XXXX. 

I am seeking help so this can be resolved as soon as possible, I am willing to pay off the balance of this credit card in XXXX but I need this information to be deleted from my credit report.
Product: Debt collection

So I believe in XXXX, there was a debt added to my account from a hospital in XXXX, or clinic. 
Not sure if it was for my kids, myself or ex-wife. 
We all had insurance then and I had state insurance, XXXX XXXX  and XXXX XXXX at the time. 
I'm XXXX, I went through a divorce and was removed from my house. Living in a tent for awhile. 
When I was able to get everything in my life steady from the divorce. I was wanting to build my credit and noticed a XXXX collection on my bill. I never received any bill or collections papers. 

I then tried to call the hospital that I had supposedly accrued my debt from but they said they changed their name and ownership. Billing was unable to find any information about it. And couldn't provide me anymore information. 

I tried disputing this debt. Several times over the years. One day, I called the debt collector and was left on hold for almost and hour while they chatted and spoke I'll of others. I recorded the whole conversation and still have it but when they hung up on me after being on hold forever. I called back and told the lady I was trying to dispute a claim. She tool my info and I still have never heard anything. I even provided them with update contact info. I would like to have this removed or resolved because this is the only mark against me on my credit report and would like to have it removed. Especially since the hospital is no longer in business, but that also I have attempted numerous times to figure this issue out and I am still being ignored. 

I would appreciate any help. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Equifax on XX/XX/XXXX and on XX/XX/XXXX, requesting the four ( 4 ) accounts to be re-inserted to my credit report. In a dispute with the Consumer Financial Protection Board ( CFPB ) filed ( # XXXX ) on XX/XX/XXXX, I identified the four ( 4 ) accounts in the attachment that Equifax mistakenly removed from my credit report, and I provided justification requesting to have them re-inserted. In a response from Equifax on XX/XX/XXXX, they stated to hope to resolve my concerns. As of XX/XX/XXXX, Equifax have not resolved this matter to the fullest by re-inserting all of the requested accounts in the attachment. Equifax only re-inserted XXXX XXXX  with three ( 3 ) other accounts in the attachment being ignored. I am demanding that Equifax re-insert XXXX XXXX XXXX  XXXX, XXXX/XXXX, and XXXX XXXX XXXX  Financial. By not re-inserting the accounts in question is a total violation of the FCRA, 611 ( a ) ( 5 ) ( B ).
Product: Debt collection

My wages are currently in the process of being garnished for a credit card bill that was 1. charged off by the original creditor XXXX, 2. I have no signed contract with Midland Credit Management , Inc., 3. my rights under the Fair Debt Collections Practices Act and the California the statue of limitations is being violated and has passed on this account. 
I have attached information for your review. If any additional information is required please contact me.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding the handling of my credit report and the removal of negative accounts. I have submitted an FTC XXXX Federal Trade Commission ) report as a means to resolve issues within my credit report. I hope to shed light on the need for Experian to fully understand its role in this process and to question when accountability will be upheld for any perceived negligence. In compliance with federal regulations, I have provided an FTC report to initiate the resolution of discrepancies in my credit report. The submission of this report underscores the gravity of the situation and the importance of a thorough and accurate investigation to rectify any inaccuracies promptly. It is my expectation that Experian will uphold its responsibilities as a credit reporting agency and facilitate the resolution process accordingly. Regrettably, it appears that Experian is failing to understand its fundamental role in the removal of negative accounts. Sending me 4 different emails all with different messages shows this deficiency in comprehending the scope of your responsibilities has led to an on-going issue in the timely removal of negative accounts from my credit report. 

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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.