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

Experian had my permanent address listed in various formats as well as different spellings of my name. Probably to facilitate fraud with illegal immigrants as they were very adamant about not making a correction on the report that should have just required me uploading my id to show the true spelling of my name and correct formatting and unit number for my address. 

Experian has readded the address without a unit number. I feel this is to facilitate fraud so they can get Federal Grant money to increase their security controls and some side money by helping illegal immigrants facilitate fraud and obtain services that legal US Citizens can barely obtain even though they work and pay taxes. 

I want incorrect and fraudulent information permanently removed from my report and not readded. 

Additionally the whole credit reporting system is a violation of UN Declaration of Human Rights Article 12. 

Please have them remove this incorrect information. I never applied for credit with this address nor have I used the address without a unit number.
Product: Debt collection

On XX/XX/2019 Citi Bank Home Depot XXXX XXXX illegally charged my account 25.99 % interest over a period of about 15 months until I found out on XX/XX/2019. I sent out my 93! demand letter asking for the total amount being charged. and Why? I believer All my purchase on the card was under the promotion of 0 % over the period of 12 months or 6 months. When I purchased. I immediately set up with XXXX  XXXX XXXX on line pay. I set it up 10 equal payment on a 12-month promotion and 5 months equal pay on a 6 months promotion and forgot about. I never received any reminder orwarning regarding the extremely high interest, which according to consumer protection law is illegal! 
I asked the customer service what is my balance that. He gave me {$27000.00}. I immediately ACH the full amount via XXXX XXXX business checking account, XXXX proof attached ). I have never received any response to my XXXX demand letter. According to the law. City Bank Home Depot XXXX owe me triple damage. I have the letter to the City Card I would have to take legal action as soon as the Court opens. But when I learn the CFPB, It want to get this free help first. 
City Bank illegally ACH my account a few times without my knowledge and consent until I find output a stop on it. It looks like all the banks using the same ACH agency steal money from consumers just because it has access via online payments, but its not the permission to let you ACH. My online pay with XXXX  XXXX XXXX is only for reminder of myself to check to pay the bill. I do not give anyone permission to ACH my account. I find out the hard way, Steal from my account, even for some already closed accounts with zero balance being ACH my old {$20.00} to {$25.00} pay-setting I always use but I ve never pay the minimum amount. That was just a reminder so I do not miss my payment. But I must personally examine the accuracy before I pay in Full. I want all illegal interest charged on my account be fully refunded> Please help me.
Product: Checking or savings account

on XX/XX/XXXX I initiated a transfer from my credit karma spending account to my verve credit card in the amount of {$280.00} on XX/XX/XXXX I received a email saying it didn't go through I had the money in my account when I originally made my payment. now XX/XX/XXXX I get a call from my verve credit card about the payment. I'm told get hold of my bank so I call credit Karma and when I'm verifying my information credit Karma tells me they couldn't find my account with this information. I then asked to be transferred to a supervisor or technical support and the representative named XXXX refused and then hung up on me.
Product: Checking or savings account

A company ( XXXX XXXX ) fraudulently charged our bank account debit card {$10000.00} on XX/XX/2021, when we only authorized {$5000.00}. Navy Federal Credit Union denied our claim for an unauthorized debit of our account. We provided Navy Federal Credit Union a credit card authorization form where we only authorized {$5000.00} to be debit by XXXX XXXX. 

XXXX XXXX made other fraudulent misrepresentations to Navy Federal credit Union. The false representations were confirmed by the XXXX County Inspector.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding inaccurate reporting of late payments from XXXX XXXX XXXX on my credit report for account XXXX. According to Experian 's records, I have been marked as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I believe this to be a billing error and wish to contest these claims. 

As per the Fair Credit Billing Act, creditors are required to send billing statements at least 21 days before the due date. I did not receive any billing statements from XXXX XXXX XXXX for the aforementioned months within this timeframe. Therefore, I contend that the reported late payments are invalid. 

I kindly request that Experian provide evidence to support their claim that I received the billing statements at least 21 days prior to the due dates. Specifically, I ask for a copy of the certified receipt with my signature acknowledging receipt of the statements. Without such evidence, the reported late payments should be updated to paid on time on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I would like to emphasize that this discrepancy not only damages my credit score but also violates my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666 ( b ). 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. Please keep me informed of any developments regarding my complaint. 

Thank you for your attention to this matter. 

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

I sent notifications to the company letting them know that I did not want my personal and private information shared with any other company such as my payment history. This information is private and as such it should not be shared with others. According to FCRA section 605B it is illegal to report anything on my consumer report without my permission. My request has been ignored and this breach of privacy has caused harm to my name. I request that any and all negative information be removed at once. I also seek compensation for any and all damages caused to me under the law.
Product: Payday loan

Payday Loan LLC did not credit my payment to my account and now they are reporting it as charged off on my credit report. As a XXXX XXXX who would like to be able to purchase a home, this mark is hurting my credit and my ability to access my XXXX 's benefits. Repaying with a cash payment is apparently a way that they can fraud people! I would not allow {$310.00} to ruin my chances at buying a home.
Product: Credit card

This is through Chase Bank ; I was beginning to get charged purchase interest, which is fine I understand interest is part of having a credit card. However from XX/XX/2023 I have been charged purchase interest of {$8.00} which is no big deal and something I could handle and I put a credit of around $ XXXX later that month for a XXXX I had. 

At the end of XX/XX/2023, I went on a trip with a friend and had to spend well over the XXXX which was around $ XXXX at the time, I had paid all my minimum payments on time and now my purchase interest is up to {$190.00} and my minimum purchase is now $ XXXX That is almost {$800.00} I would have to pay, for them to charge me again for this issue. In the month of XXXX and XXXX, I paid both of my minimum purchases a little over {$600.00} between both months, but they took nearly {$300.00} in purchase interest charges getting me no where with my debt. 

I have called and messages them both times in order to resolve this as I am willing to pay my debt but I can not afford to keep spending even more money because I cant pay what is now $ XXXX in full because of this purchase interest charge. They have been unhelpful and basically tells me each time that I must pay it in full or the interest and minimum payments will be higher.
Product: Debt collection

kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX
Product: Debt collection

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to SIMM ASSOCIATES INC. for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the charge-off entries on my credit report associated with the account from XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX * According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete and indicates not my account. 

I have received a 1099-C form from the creditor, indicating that the debt related to this account has been canceled and reported as income to the IRS. As such, the debt is no longer valid, and the continued reporting of this charge-off is misleading and inaccurate. Resulting in my rights to be violated that are protected by the FCRA laws. I request that the charge-off entries be removed from my credit report to reflect the cancellation of the debt immediately. 

I appreciate your prompt attention to this issue Thank you for your assistance. 

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

I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & Equifax ). After the BBB notified XXXX of my complaint, I was made aware that my credit score had dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX XXXX XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXXXXXX : TransUnion and XXXX are not reporting this account, XXXX is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and XXXX is not reporting this account, XXXX XXXX  : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX is XXXX an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX XXXX XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX XXXX XXXX have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX called my place of employment twice. First was on Friday XX/XX/XXXX and the second was on Monday XX/XX/XXXX. The third time they called me on my cell phone on Monday XX/XX/XXXX Both times there was an automated recording that was left on my work voicemail stating " This massage is intended for XXXX, Im contacting you from the XXXX, I received an order for you, It looks like two charges pending. Now, unfortunately because I am unable to reach by phone, I will be actively pursuing you at your place of employment and your resident. You have the right to contact the client to resolve this matter voluntarily. Understand, when you are located, you forfeit that right. Your case number is XXXX. You can reach the office at COB XXXX. '' They called me again today at work and I finally decided to speak to the person in regards to this matter and why they kept calling my work number. 

The gentleman was completely rude and kept interrupting me every time I spoke. More like, trying to intimidate me. He then asked if I have been served with any type of documents and this debt is from US Bank. 
I tried to tell him that I havent been with US Bank for several years ( XX/XX/XXXX or XX/XX/XXXX ). As I was trying to speak he interrupted me again saying that I was going to served and sued and they will be contacting my employer in regards to this matter if I dont pay them. He continued his threats of suing me and also said that I would be charged with fraud and I 've committed a crime. I could n't take the threats any longer so I hung up the phone.
Product: Checking or savings account

I went to atm on XX/XX/2023 and made a cash deposit of XXXX dollars for up coming XXXX. The atm went blank after I made my deposit. I called the number on the atm to report the problem needless to say that they were closed due to the holiday. 
The next day I immediately filed a claim and complaint. I expressed how important my up coming XXXX was. I asked several times for the third party to go our and service the atm but all I got was the same script its a waiting period. I have been banking with Bank of America for over at least 10 years! I never expected such rude uncaring results! I will definitely be closing my account after this issue is resolved and take further actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

im with experian about 3 days ago i could see my credit score now i cant not see it at all
Product: Bank account or service

Dear BCFP, On XXXX XXXX, 2015 my sister and I filed our first request to access our mother 's " 360 account '' with Capital One Bank. XXXX. On XXXX XXXX, 2015, we submitted XXXX required documents : our power of attorney document and the required document for power of attorney that is specific to Capital One. We have been told at every turn that these are the only documents needed. 

Since XXXX XXXX, 2015, we have re-submitted those documents multiple times ; we have called many times ; we have done everything by the book and by Capital One 's rules. They still wo n't give us access. I ca n't get any tax information from them. Meanwhile, as we try to take on a major bank, our mother has literally weeks to live. Can you please help look into this act of wanton stonewalling and ineptitude so that our and similar cases will not reoccur? 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my complaint submitted to your department on XX/XX/2024, regarding the invalid negative item on my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX of XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is CAPITAL  ONE. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX  XXXX XXXX  collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in 0 but still there and pay just to finish this quick so i dont get my credit bad. 

3. XXXX  XXXX XXXX XXXX XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have attached the my lawyer created me the letter for XXXX XXXX XXXX, legal action will be taking away if they do not respond or making correction on my XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX $ bull city financial solutions XXXX $ cmre financial services XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $
Product: Money transfer, virtual currency, or money service

I opened a PayPal account in order to send and receive money online. I was able to process online transactions for payment, but PayPal said I had red flags to resolve on my account, and that I needed proof of address. 
I sent them a copy of my bank statement, to show proof of address. 
I was then sent money from another PayPal account, and PayPal will not give me that money. It was not deposited into my account, I can not access it. The sender has already had it deducted from their bank account and can not resend it to me or send it to me any other way. 
PayPal has my money, and will not give me access to it.
Product: Debt collection

The first point was A law firm called the " filing firm '' called to attempt to collect a debt. The person that called was a female first using my voicemail, claiming to be someone called ramerez. The message also concludes that this call is for XXXX XXXX XXXX or his attorney, stating that we have been named in a lawsuit, the first name is also inaudible. The person answering the phone claims to be a person that is allowed to handle the case, because there attorneys are in a meeting at the time you call. At approx XXXX and then goes into a large amount of money for the debt, claiming to owe {$1000.00} and then waits to see what you have to say. 

The second point Stated that " normally your type of accounts are unheard of in our offices and we can give you a deal for aprox {$540.00} an awaited agreement after claiming no money was available to pay. The third point was no conformation of or security questions to show that he had gained old debt by financial or by professioan. The person also stated that after calling him a possible scam and seemingly throwing his arms up that he made the statement it 's people like you that cause a bad economy and you should pay your debt. After stating I would not give him payment and being threated to take me to court, and that I was in trouble with the FDIC and was sued, while then also stating that I was named in a lawsuit, by US BANK. He seemed to have my social security number and was pleased or content. 

The conclusion concerns the professionalism and the handling of his case, Did not believe that he was using security measures by confirming my identity, and just asking for money, and realizing that I was not scared of him using a threat lastly, to be sued, he hung up.