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

Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mod XXXX XXXX- XX/XX/XXXX. The incident was discovered by Equifax XXXX  XXXX. My data was breached from mid XXXX XXXX- XX/XX/XXXX. I want to be compensated in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

BMW FINANCIAL SERVICES - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX
Product: Checking or savings account

from XXXX direct deposit should have been deposited in my account and it has not amount of XXXX - Capital one has not given customer any consistent resolution information- received the attached email after XXXX last night. They claimed that issue would be rectified by end of business yesterday, nothing, then claimed it would be resolved by this morning, still nothing. I have bills to pay - this is unacceptable
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a factual dispute, based on information contained in my XXXX and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked Khols/Capital One to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years.

I do not understand why the credit bureaus and Khols believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX MY XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Creditor : 09 XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$570.00} ; XXXX XXXX ( Original XXXX : XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; CXXXX XXXXXX/XX/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 trust this letter finds you well. I am writing to express my deep concern regarding a hard inquiry that persist on my credit report, as mentioned in your recent communication from the Complaint ID Your complaints XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling Experian on multiple phone numbers I found online and there is no option to talk to a live person. They have inaccurate, incomplete, and unverifiable information which must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership with my own financing, there was no need for them to pull my credit and i did not authorized the to do so. the sales person told me they just need it my social for identity purpose and for only that reason and they were not to pull my credit but they did. I talked to the Finance Manager and he said that it was a soft pull and not to worry, but he liad it was a hard pull and it shows on my Equifax credit report. I believe that this is a wrong way of doing businees and misuse of peoples personal information with out authorization. This business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I was a recent victim of IDENTITY THEFT please remove my old addresses on my credit report I want to PREVENT any future IDENTITY THEFT these addresses are the following XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX and XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX. I have been living in XX/XX/XXXX for the past 5 YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stop messing up my credit with false credit checks
Product: Credit card

I enrolled in a payment program with Amex on XX/XX/XXXX. They requested I made a payment that would be for the month of XXXX. They confirmed as I asked that the payment was for XXXX and no other payment would be required until XXXX. 
On XX/XX/XXXX I noticed my account saying I had a payment due for XXXX so I contacted them, they told me the system would take some days to reflect my payment. From there on, I contacted Amex 2-3 a week and every time they confirmed my payment for XXXX was done and the system was having a glitch, would fix itself and so forth. 
After the due date I started getting emails saying I missed my payment and the system doubled my payment for XXXX. I contacted Amex, again they said was a system error. 
Finally they said the person that took my payment posted it before my statement close date and they should have waited a day. They said another department had to fix it and would call me in 3-4 days. It's been over 2 weeks since that and I already called Amex another 5-6 times since as I never got a call. Every time they say the same, they are escalating and someone will call me in 1 days, 2-3 days, 3-5 days.. and I never get a call. I am exhausted and this is unacceptable in every possible way. I first told them about the issue on XX/XX/XXXX, it will be a month next week and they have lead me on, given me wrong information and I have spent over 15-20 hours on calls and chats with them. Will they compensate my for all the hours I have used due to their lack of competence? This issue should have been fixed when I first brought it up to their attention.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to TransUnion Credit Bureau but they failed to give me any results or feedbacks about this concern. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXXXXXX XXXX XXXX XXXX LEXIS NEXUS XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

a ) they never sent us any letter with their name, address and account number. They insisted on calling me at work.XXXX for a living thats totally unreasonable. I asked them to talk to my wife because she is home during the day. They threatened garnishment even though garnishment is XXXX dollars and I only owe $ XXXX.I told them I can not pay the whole amount and needed a payment plan and she said she wanted my debit card number. This was without telling me who she even was and with no way to keep them from taking the whole amount. I said no I 'll send a check for what I can afford. She said she had to have the whole amount. Whenj I said I couldnt afford the whole amount she said I was being rude and hung up.She continues to call me while I am at work XXXX.
Product: Credit reporting or other personal consumer reports

A debt validation letter was sent XXXX XXXX XXXX to validate debt listed on my credit report. The company has failed to validate debt made pursuant of 15.USC.1692.G.Sec.809. ( b ) of the FDCPA. XX/XX/year> XXXX  XXXX  Tracking XXXX. A request to validate this debt with Original signed contract, proof of assignment from original creditor or chain of title, right to collect debt in my state, insurance claims filed on debt and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Letters to all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports. 

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, To whom it may concern, I paid Shellpoint Mortgage double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent NEW REZ a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to NEW REZ and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Product: Credit card

I have had a Bright XXXX XXXX account open for a few months ( opened around XX/XX/XXXX ). I noticed no improvement in my credit score and random sums of money coming out of my bank account. I attempted to look into it on the app, but the interface is so poorly designed its impossible to tell whats going on ( one screen says you have {$25.00} available to withdraw, then you go to withdraw and it says you only have {$15.00} available things like that ).

My money seemed to just be disappearing into the app without any benefits. When I had to close my primary funding account, XXXX, around XX/XX/XXXX, I couldnt get it to delete/disconnect from the XXXX app. Nor could I get my secondary account, XXXX, to delete or disconnect all as I tried to connect my new account, XXXX. I was attempting to remove the old accounts and connect my new one ( XXXX ) so I could transfer any money out of Bright and then cancel the Bright account and cut my losses.

After numerous conversations with support chat, I was told on XX/XX/XXXX, We would like to inform you that due to XXXX policy the funds [ on your Bright card ] can only be transferred back to their source account from where it was withdrawn. I explained that original funding account was closed and that was not possible. They responded, Are you trying to withdraw the Bright XXXX funds, I can help you. I said yes ( again ), and then they told me they would release my money back to me only if I sent them, via unencrypted chat support message, my new account number, routing number, ID document, and bank statement. I explained this was unsafe and I could get my identity stolen this way and that anything like this should be done through a secure platform like XXXX. They said it was standard and that I could email it if I was uncomfortable ( which would be no safer ).

I asked why I could not just connect my new XXXX checking account via XXXX as I had with my other accounts. They responded, Because, Bright uses XXXX only to connect checking accounts and credit cards. Rest all procedures and documentation, Bright does by itself. We have a specialized team for them who will verify the information once you have shared it with us. Once verified, the funds are sent back to the non source account. This makes no sense to me, as I was able to connect my other two previous accounts and cards safely via XXXX. 

That same day, I asked support how much money I had spent on the account/app ( as there is no way to tell from within the app ) and they were not forthcoming about it. Initially I was told only a {$50.00} security deposit. When I pressed further, suddenly, another charge was found {$60.00} for a membership I never signed up for! And my bank statements show even more charges than these. 

I have screenshots of all chat conversations with support as well as copies of my bank statements. I have reported Bright to the XXXX XXXX, and also plan to report them to my State Attorney General. I would greatly appreciate a full refund of all money I have spent/invested into this app/company in what I now clearly see is just a scam to defraud people and take their money and ruin their credit scores.
Product: Credit card or prepaid card

I complained that I was treated unfair after completing a hardship payment plan. Which ended in XX/XX/2023 I made my XXXX payment to keep from getting a collection call and I keep my account current. 
They said I owed XXXX still for XXXX when I was told I would be in good shape after the Hardship payments ended. I do not call paying the XXXX and XXXX for XXXX in good shape. 
I just wanted a XXXX late fee for XXXX refunded which they refused. 
It is no wonder Walmart is suing them to end their contract with them because of poor customer service.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XX/XX/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 - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Transunion on XX/XX/2018 in response to inquiries I never authorized and although I had requested assistance in getting these removed their customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit card

Apple Card ( XXXX XXXX XXXX  XXXX XXXX says they have investigated my earlier complaints ( now closed by you. # XXXX ) and assert that they refunded me for a fraudulent charge on my Apple Card for {$190.00}. BUT THEY NEVER DID! I have asked them for written proof XXXX  of the refund but they have not provided it. I called them and directed them to close my account because I suspected my number was being used fraudulently and they closed it. Alas, now when I call them to follow up on the refund I am supposed to get, they say they can not find any record of my account. ARE YOU AWARE THAT XXXX HAS ENDED ITS DEAL WITH XXXX XXXX  EARLY BECAUSE OF ALL OF THE OUTSTANDING COMPLAINTS ABOUT THEM? XXXX XXXX!
Product: Vehicle loan or lease

I lost my job and I was in the process of making payment arrangements with Exeter finance to stay in good standings and to avoid repossession. While making payments on the car from what I could afford I never got a response and my car was picked up without any form of communication of whether they would accept or deny my proposal of payment arrangements. The vehicle has now been sold leaving me with a balance that is incorrect.