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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

Anther month anther complaint. More illegal activities from this bank and XXXX customer service. 
I have auto payment set to minimum pay due. Well after last months illegal activities where they stole XXXX dollars from I made that pay ment on XXXX will attach screen shot proofing that. So when you have a min dues of XXXX and you pay XXXX dollars that makes your min due XXXX. Well this bank which is continually doing illegal things could not do math and tried to take XXXX after XXXX dollars was paid.so they attempted to take XXXX extra dollars than where my auto pay was set up. Which costed me XXXX dollars to stop payment for extra money they tried to steal. Would just like XXXX month where they do not try to steal. This is my third complaint against u ethical buisness. And just want a month with them acting like a normal bank
Product: Credit card

I was charged a past-due fee on the XXXX. My payment was due on the XXXX. I mistakenly paid on the XXXX as I was busy with the holiday. I called CapitalOne on the XXXX of XXXX to ask about these fees. I wondered if this fee could be waived because I have never been late and the lateness was only by 2 days. They told me that my account could not waive the fee and could not explain why. I asked for clarification as I know that companies can always provide great service by waiving the late fee. They could not explain why they could not and did not waive my fee. As a long-time customer who has never made a late payment, this is ridiculously bad service and a bad practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

False and misleading credit repair tactics, See video : XXXX XXXX XXXX XXXX Been a client for XXXX months. Paid the fees with no positive results. I was mislead by their sales dept on false information on how they will remove negative items on my credit report. I have made multiple attempts to reach customer service. They refuse to answer the phone and never call back.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX XXXX in XX/XX/2018. I co-signed the vehicle for my husband, My husband got laid off right before the pandemic and we decided to possibly trade in the truck because we could not afford my car payment and the truck car payment. We took the truck to several dealerships for trade in and we were told that the XXXX XXXX was a XXXX  Import and no car dealership would buy the truck from us because the truck holds no warranty value in the U.S. The dealership ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, IL never told me that I was purchasing a XXXX Import and no dealership will accept a XXXX  Import. I feel hoodwinked. When I contacted XXXX XXXX that just blew me off and told me it shouldn't be a problem. Now I'm constantly late on my payments, I have no other choice but to pay when I can or eventually will have to give the truck back to Ally that finances my car. I asked for my disclosure from XXXX XXXX and Ally and still no response. I would like to get out of this deal because I can't trade in the vehicle, I'm upside down in the loan, I constantly keep getting negative marks on my credit report because I'm late paying. Dealerships should inform customers when they purchase XXXX Import vehicles and educate the consumer on the outcomes/reprecussions when they get a car that was not purchased in the U.S.A
Product: Payday loan, title loan, personal loan, or advance loan

I applied for the loan for an air conditioning system being installed at my residence on the XXXX of XXXX. Service Finance Company , LLC ( SFC ) was eager to release the funds and at the direction of air conditioning company released the funds. I was informed funds would not be released until I gave an ok. I verbally told SFC to not release the funds as the system was not functioning and they havent been able to correct. Im not receiving threatening letters that its still my responsibility to pay the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX XXXX XXXX credit and offer to match the financing through XXXX of XXXX months at 2.64 % and XXXX XXXX   XXXX XXXX at XXXX XXXX submitted them anyway.
Product: Credit reporting or other personal consumer reports

Dear Equifax Customer Service, I hope this email finds you well. I am writing to bring to your attention a significant issue regarding inaccurate information listed on my Equifax credit report. Despite multiple attempts to rectify this situation, I have encountered hurdles that prevent me from obtaining a resolution. I kindly request your prompt attention to address this matter as it is adversely affecting my ability to access credit. 

During a recent conversation with a representative from Equifax, I highlighted the inaccurate information on my credit report. The representative acknowledged that the reported information is indeed incorrect and illogical. However, they mentioned that Equifax is obligated to record the information as provided by the original creditors. Upon contacting these original creditors myself, they confirmed that they did not provide Equifax with the inaccurate information. Despite this clarification, Equifax has refused to update or correct the information in question. 

The specific item that requires immediate correction is the " Date of major delinquency reported. '' If my account first went delinquent in XXXX, it is only logical and fair that the date of major delinquency reflects this year and not XXXX. Equifax 's failure to rectify this error is not only frustrating, but it also hinders my ability to obtain credit due to the inaccurate and misleading information on my credit report. Furthermore, I have noticed that when I review my credit report, it states that my last late payment was just a month ago, which is completely incorrect. In fact, I have not had a late payment in over a year. Therefore, both my XXXX and XXXX accounts require updating and accurate reporting. 

I understand that mistakes can occur, and I am willing to work together to resolve this issue promptly. As a responsible consumer, it is essential for me to have accurate credit information that reflects my true creditworthiness. I kindly request that Equifax investigates this matter thoroughly and updates my credit report accordingly to reflect the correct and accurate information. 

I appreciate your attention to this urgent matter and kindly ask that you provide me with a timeline for resolving this issue. If necessary, I am willing to provide any additional documentation or evidence to support the correction process. I am confident that with your expertise and commitment to accurate credit reporting, we can rectify this matter swiftly and ensure the integrity of my credit profile. 

Thank you in advance for your immediate attention to and resolution of this matter. I look forward to receiving your response within a reasonable timeframe.
Product: Debt collection

XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by XXXX XXXX in violation of FTC do not call registry rules and regulations.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my consumer report, I've noticed that there are a few collections accounts thats reporting to my report. I then contacted the creditors thats reporting these accounts and asked them to provide me documents including signed contracts, agreements, receipts, and date of first delinquency in which they failed to provide. Experian is reporting these unlawfully reporting accounts without the proper documents which violates multiple laws. How can there be an alleged debt if there is no contracts or agreements between me and the companies listed? I never gave them consent to continuously call me at unusual times in which I asked them to cease all communications with me. It is against my right of privacy to report anything to my credit report nor did I give them permission to obtain and share my personal information with anyone. included in my complaint is a copy of my consumer report in which I ask Experian to thoroughly investigate my dispute and remove any inaccurate or unverifiable information. Violations committed by the creditor & Experian:15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Debt collection

Back in XXXX XXXX American Express sued me in court wrongfully.. so now I have a judgement against me.. I have been keeping in contact with them even before the court date which took place in XXXX XXXX.every time I contacted them they would tell me to call other numbers.. then when I call they would tell me that my account is on hold because of me filing a dispute against the account.. so they said that they couldnt give me any information.. before I knew it.. I had a court summons.. I contacted them back asking why but they wouldnt say, they would just keep saying the account is on hold.. so Im asking how can you take me to court then if the account is closed because of my disputes..you all didnt even want to wait to see what the outcome will be.. and right now Im still in the process of disputing.. the account is charged off and they are still reporting a balance which is leaving a negative remark.. so if its anything I can do can you all please advise me..
Product: Debt collection

On my credit report there 's a debt from Midland Funding. When I asked them to verify they sent me info from someone with a completely different date of birth than mine. I would like this debt cleared from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Venmo account was frozen upon signing up due to Identity verification reasons. It took days to weeks to get a response on why my account was frozen and a proper reason was still not disclosed. 

My account had still been frozen for a few years and when I reached out on XX/XX/XXXX, I did not recieve a response or verification that my information was received. Upon contacting Venmo support on multiple occasions, any call for assistance was ignored or constantly pushed back. From a response in 24 hours turned to 8 days to now 10-15 days before I could even hear back from the account specialist.
Product: Mortgage

My spouse has not worked because of medical reasons since XX/XX/2015. We are having problems making our mortgage payment and the bank states that we do not qualify for help and recommended a short sale of our house which we do not want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the following accounts are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The afore-screen did not have my option, so I chose what may be similar to my issue : " Problem Using debit or ATM card etc ... '' On XX/XX/2020 I received a text from Key bank stating my balance, I immediately called Key bank and stated " The amount is incorrect '' I searched for my wallet and noticed that is was not in my car. I informed the Key bank representative that " My wallet has been stolen out of my car and the charges are fraudulent '' Moving forward I told them to '' cancel my cards ''. Also I asked " Can I put a pass code on my account '' in which I did. On XX/XX/2020 I called Key bank to set up my cards into " XXXX '' I called XXXX, the representative asked for identifying information, name, last 4 social and birth month and year. The representative stated " Will you please hold while I access your account? '' I stated " How can you access my account and verify me and you have not asked me for my postcode, the person who stole my identity can give you the same information that I have given you, this is why I added an extra security to my account by adding a pass-code that they would not know? '' Then and only then did the Key bank representative ask me for my pass-code. I gave the Key bank representative my pass code, she then states " I must call the Key bank branch to verify your pass code '' I stated " I did not set my pass code up at a Key bank branch I called XXXX 's customer service department '' She states " Please hold I must contact the branch '' In which she kept putting me on hold, because a branch never responded. Moving forward she connected me to someone else. The individual stated " She is not sure why the Key bank representative did not ask me for my pass code, she is not sure if the system had prompted for my pass code, but upon her further looking into my account she noticed and stated I see first the red banner, it is the first thing that pops up alerting identity theft on your account '' The representative is not sure why she did not ask me for my pass code. I stated to representative, I am upset I have taken all safe guards necessary protect my account and this is unacceptable. The person that has my Driver 's license, social security card and birth certificate can call Key bank and give a Key bank representative my information and key bank will give the thief access to my account, this is unacceptable my identity has been stolen and my account has been compromised. My pass code should have been asked of me. I feel violated and feel that my account is not fully protected as it could be. If only the representatives across all departments ask me for my pass code will give me some relief and security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

Persolve Legal Group Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX This company call me in XX/XX/XXXX insisted that I pay the balance or they will put this on my credit report and make my score go down. They said if I want to avoid this just pay them. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - XX/XX/XXXX XXXX : paid in full
Product: Payday loan, title loan, or personal loan

My name is XXXX and last XXXX I got a new phone number. The person ( XXXX ) who had this number before me has had numerous debt collectors looking for her, cash loan companies who text and call all day long. I called Cash Net USA and asked to be removed from their list since I am not the one who has/had a loan, and they refused to remove me. 
I get calls all day long and voicemails everyday from them. I want it to stop immediately. Every day I get an 11-20 second voicemail asking me if I want to claim the money I have been approved for. I have blocked the number on my phone and still get 5 calls minimum a day from them.
Product: Debt collection

I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt