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

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) My credit has always been very important to me. When things started to get tight I went to XXXX XXXX ( a consumer credit counseling agency ) to help me manage my payments and to ensure that I could successfully pay off all of my credit cards without being late, including Capital One. Unfortunately, somehow Capital One reported me late for 3 months and it seriously damaged my credit. 

I enrolled with XXXX XXXX on XX/XX/XXXX. When I enrolled, the credit counselor determined what each of my payment amounts would need to be to ensure I would not be late on my obligations ( including Capital One ). On XX/XX/XXXX XXXX XXXX debited my account for the first time. The Capital One minimum payment of {$140.00} was due on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX paid Capital One just {$120.00}, which was {$19.00} less than the minimum payment. For some reason, Capital One did not accept the offer from XXXX XXXX until XX/XX/XXXX. This caused the very first 30-day late payment to be reported to the credit bureaus in XXXX. The Capital One account was still not showing that the minimum payment had been paid. Capital One reported this as a 30 day late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a XXXX late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} due on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a 30-day late payment to the credit bureaus in XX/XX/XXXX. 

By the following month, the payments being made by XXXX XXXX were enough to catch the account up, but at this point the credit damage had been done. There were 3 rolling 30-day late payments which hit my credit report and severely dropped my credit score. 

Since this time, all payments have been made on time. However, the damage had been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and Equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. I have attached XXXX and Equifax reports to show the discrepancies.
Product: Checking or savings account

Bank of America stated they had sent out a letter via mail or electronically which they did not. They took extra money out of {$370.00} and said they had sent notification of this. I have looked in my account at the message center and they stated on XXXX XXXX they sent out a letter and sent a notification to my account online. So now my account is in negative balance and they will not fix their mistake and Im stuck with that debt.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report FTC Report Number : XXXX along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report XXXX credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported XXXX missed payments on my credit report in XXXX. I have never been XXXX days late not even XXXX days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.
Product: Mortgage

I had made a previous complaint, #  XXXX  regardi ng SPS, Inc. not sup plying a mortgage note in a timely manner. I have a letter fro m SPS da ted  XXXX   XXXX ,   XXXX   saying the matter would be resolved  XXXX   XXXX   XXXX , by sending a copy of my mortgage note. I called today,  XXXX   XXXX , to ask the status of the mortgage note being sent. I was told a letter would be sent tha t SPS w as still researching, and that SPS should have an answer to me within 30 days. This is not in compliance with wh at SPS o mbudsman said earlier. This delay is causing me a hardship in refinancing my curren t loan. SPS ha s stalled, made excuses and untrue statements to me since I began requesting a copy of my note since late  XXXX  or early  XXXX .
Product: Debt collection

Good morning, I called First Collection Services about paying off a debt. I had a very limited amount of money, so I was trying to see if there was a way to have my debt with this collector reduced, or removed from my credit report. I was advised that I could not get what I was requesting. I was offered to speak with a supervisor if I needed more clarification and to have my questions answered and explained. 

I was transferred to a Ms. XXXX. I was trying to gather a few questions. The first being her name. She told me Ms. XXXX again. I asked for clarification on if Ms was her actual name, or her title. She then started to get hateful with me and ask me what I needed. I continued to tell her that I need her to verify her name for me. The then said something along the lines of " Since this call is going no where I'm going to disconnect the line '' She did not give me her contact information, her name, or ANY information that could help me pay my debt. The only information I got from her was her name was " Miss XXXX '' I called back and asked to speak with a " Ms. XXXX '' and was transferred directly to her voicemail that gave me her full name XXXX XXXX XXXX. She was verbally abusive, inappropriate, and offered no assistance with paying off my collection. 

I later called back and Spoke with a XXXX that was able to provide ALL the answers to the questions I asked including her Name. She was wonderful, and I paid my full amount with her help. 

Date : XX/XX/2020 Amount : {$190.00} Action Taken by XXXX XXXX : Nothing Action Taken by me : I called and spoke with a woman that deserves a raise ( XXXX XXXX and paid off my debt and a reference number
Product: Payday loan, title loan, personal loan, or advance loan

One main financial OneMain pressured its employees to load up its loans with extra charges through false promises of easy cancellation with full refunds
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX- XXXX - is reporting on my credit for a debt that I don't owe, plus it is past the statute of limitations.
Product: Checking or savings account

XX/XX/2020 my Citibank account was closed due to a deposit not in my name. Prior to the deposit I had roughly {$7000.00} in my account The deposit had brought my account to a total of {$9000.00}. {$5000.00} I had sent to myself from my XXXX  because I felt that much money wasnt safe in that account since its not connected to a real bank I also sent myself {$500.00} from XXXX, I received a pAycheck in the amount of {$900.00} from the federal government and I just received my state taxes at the beginning of the month in the amount of {$1300.00} the bank closed my account and said I would receive a check in the mail that following Monday no check came I called and went to the branch and was told to wait for a letter I received the letter stating my account was closed the bank discontinued our relationship and would refund any money in the account prior to closing I at risk of losing my home I already borrowed as much as I could from family I have XXXX kids I keep calling the bank and getting hung up on no one wants to tell me where my money is or when a check will come in the mail. When I do get someone on the phone they tell me I have an available balance of {$18.00} thats all they can tell me and when I say my account had $ 7000+ the reps response is oh wow thats a big difference but sorry I wish I could tell you more. Everything I had was in my account everything I have nothing I already lost half of everything and had to have my kids stay somewhere else because I cant feed them and their home will be gone soon. I didnt know letting my step son deposit into my account would do this Im sorry I just need my money back I was told at the branch I could get my money bank but when the manager tried she said my account was still in the process of being closed.
Product: Credit reporting or other personal consumer reports

I am writing to express my PROFOUND DISSATISFACTION with your recent assertions regarding my accounts. I am refuting these claims on the grounds that they lack substantiating material facts or evidence. Consequently, I strongly urge you to promptly initiate a comprehensive investigation into these matters. Your assertions have cast doubt on my financial standing and have the potential to inflict significant damage to my creditworthiness. It is crucial that we resolve this situation expeditiously and accurately. I demand that you swiftly dispute these accounts and furnish me with well-documented evidence to substantiate your stance. Failing to do so will leave me with no alternative but to pursue legal recourse to safeguard my rights and rectify this situation. 

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

I have 2 CFPB complaints for XXXX XXXX and XXXX  That has not completed there investigation. According to us code 15 1681. these should be deleted immediately. 

Complaint XXXX During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX ) XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 XXXX XXXX XXXX XXXX XXXX XXXX 

Complaint XXXX - During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( XXXX, Equifax and XXXX ). The accounts in question are : XXXX XXXX  These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated XXXX timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports. 
Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXXXXXX XXXX XXXX XXXX accounts are accurate and legally collectible. 
Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

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

Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigated these items within 30 days gives reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I have a FNBO credit card ending in XXXX, There was a fraudulent transaction on XX/XX/year> worth {$470.00} ( plus a foreign transaction fee of {$14.00} ) I reported this fraudulent transaction to FNBO promptly, Its been XXXX months FNBO has done nothing about it, they haven't given me a credit, and haven't resolved the matter. 

I want XXXX to please take this matter seriously, FNBO is not resolving the matter, and harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08. 

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice.

XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, XXXX XXXX filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.
Product: Checking or savings account

Netspend I had a number of authorized on my account so I file disputed charge on my account the first one was XXXX to XXXX XXXX in XX/XX/2018 here is my claim XXXX my reference number XXXX on XX/XX/2018! My account was XXXX by XXXX It also was unauthorized so I file disputed charge here is my claim number XXXX reference numberXXXX then I had another unauthorized on XX/XX/2018 XXXX by XXXX XXXX Here is my claim number XXXX and reference numberXXXX. Then Netspend block my account and turn my debit. Netspend didnt do anything when I first reported the first unauthorized charge to XXXX XXXX also was they didnt use my debit card they use my account number because my phone was hacked. So I ask them to freeze my account and give me a new account since was my account number was used. They didnt want to listen to me and didnt anything. They do anything until my account was hit with 2 additional charges for XXXX XXXX. Then Netspend set me up new account and new debit. They also transferred the money I had left in my old account for a XXXX dollar charge. Everything was going okay until XX/XX/2018 I tried to used my debit card and the charges wouldnt go through so I called Netspend to see why my debit card wouldnt working Netspend said that disputes department close my account Because I was a high risk. They also I would receive my balance in a check and I am still waiting for it. I also can not understand how I am a high risk I had be a customer for 4 years This my account numberXXXX for my old account I really need help I am on fixed and I dont have any money. Also here is new account numberXXXX I think that everything you can see I am in real mess. Thank you