23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since the beginning of XXXX I was recommended to bank with a major bank in my local city to increase my chances of obtaining emergency loans. I needed to make my minimum payments and pay down my balance before the due date. I wanted to use my overdraft coverage until I receive my direct deposit to cover my payments. After several attempts ( and I spoke with representatives from both institutions ) the payments weren't completed as I expected. As of XX/XX/year> Capital One closed my account based on this activity when I explained to them multiple times about the hardships I was going through. I wanted to atleast wait until I receive my direct deposit to pay down my balance this month. I know that based on the regulations and my rights closing my account was completely unfair. This has elements of discrimination and I will be submitting a lawsuit with the district court of Arizona. Additionally i was charged various late fees that I had no full notification for. The usual late fee is {$25.00}. I am complaining because I have rigorously communicated my financial situation with the company along with making payment arrangements over the phone. It is unfortunate for them to make this bias decision. I know that this situation directly violate my consumer rights nor am I fully responsible for the account activity. The company could've easily complied and helped me with the situation, but the customer service representatives are undereducated about these situations. The rude staff also hung up in my face and lied. The company has even lied stating I didn't respond to a dispute request when I did. Later on the response ( documents ) were magically found and the dispute was settled. I shouldn't have to deal with this much especially with a credit card company. I was willing to pay down my credit cards with the funds in the account if the accounts weren't closed in such an absurd manner.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a loan payment with Toyota Financial services for a XXXX Toyota Corolla. 
I 've had the loan purchase since XX/XX/XXXX and I 've realized that the Financial Service are Double Billing me, with an already High Interest rate, then threaten repossession If I do n't pay the double charge. My balance over a years worth of made payments are not as it should be. I 've asked for a transaction history to compare my payments/receipts and sent my bank statement of the date I was first told in XX/XX/XXXX my Payment was not received. I have not been mail or sent a payment transaction history at all. 
The date the discrepancy in billing started, was XX/XX/XXXX. My payment amount is XXXX a month and they repeatedly, since XX/XX/XXXX say I have not caught up till this date and I 've made double payments on 3-4 occasions. I 've also paid my bill XXXX XXXX 3 times and on one of the occasions they said they did not have the payment If I did n't have my receipt, then said, " Oh! I see it here ''. I believe the other XXXX XXXX payments, which were two other ones, they are saying I did n't pay for those months either. Please Help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion currently reports inaccurate information on my consumer credit report. 

As of today, XX/XX/2021 I've noticed that TransUnion is reporting an account under the name : XXXX XXXX XXXX XXXX XXXX XXXX reports a missed payment on my credit report in the month of XXXX. My bank records shows that XXXX payment was made on XX/XX/2021.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3700.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$900.00}
Product: Debt collection

My Identity was stolen & they had all my personal information & apparently took out a credit card in my name & rack up a bill. I have told midland Credit Management numerous times it was not me & even sent a FTC report as requested by one of their employee & she said it would be removed when they received it & she gave me the fax # I even had the conversation recorded because each employee will tell you something different depending on their mood that day.I learn to keep prove for my own protection because they lie very easy & simple. I even went as far a to get it notarized because I have not even set my eyes on the card in question. I also ask Midland Credit Management to provide the original documentation which is the signatures of the purchases because I know for a fact it would not match my signature. I was even told by the police department to request the signatures of purchase so they can match it up & prove my identity was stolen. Midland refused to provide the important documents to prove it was not me. They have sent a letter stating ( We have concluded that our information is accurate. Can you imagine a 3 party doing an in House review/Investigation what other answer will they come up with outside of the information is accurate when their job is to collect money for there own personal gain. How can a 3rd party investigate a matter that did not originate from them? The said that they work with the original creditor XXXX XXXX  but yet they are unable to provide any of the original proof of documentation. How can a company tell me that I am not a victim of Identity theft? The main idea of someone stealing your identity is to make it look like you are the one actually doing it! They have all your personal information. I dont think Midland Credit Management understand the meaning of Identity theft & want victims to suffer just so they can make a dollar. I will not pay money for a debt I do not owe under any circumstance. I want to know exactly how they came up with the accuracy of their information? I would like the process that was taken & the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card

XX/XX/year> bought furniture from XXXX store XXXX They told us to use synchrony bank. We did. No problems, then we were told, we would be charged {$1.00} for a paper bill. We had our payment deducted from our credit union every month. We told the. We were not happy, the. They sent a paper bill as they had previously. Unbeknown to us they raised our payment by {$1.00} then assessed us a penalty fee of {$40.00} for being late. 
When we finally got through to the XXXX lady who we could not understand and she did not ever understand. She was rude ( that translated very well ). 
They are the worst and take advantage of older poor people!
Product: Money transfer, virtual currency, or money service

I was trying to buy concert tickets from a girl and she never sent the tickets after I sent her the money. I called XXXX and Zelle and was told I will not get my money back because they do not offer those protections against scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute reason XXXX has invalid late payments on all my credit reports In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX XX/XX/2020 XX/XX/2020 on Transunion Account # XXXX XX/XX/2020 XX/XX/2020 on Transunion If you can not produce METRO 2 COMPLIANCE EVIDENCE I will force my legal team to files complaints with the FTC, XXXX and Georgia Attorney General along with any further legal action we deem necessary including but not limited to civil and pumitive damages I was never late on the off account listed above Please show me documentation showing proof of transaction Showing that I was ever late to support your inaccurate reporting on my account I am also requesting the description of the procedure used to detertmine the accuracy and completedness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

FCRA allows 30 days for this to rectified My photo id and a copy of my utility bill for proof of address is attached with my current address
Product: Credit card

This is in response to XXXX unauthorized charges on a target red card. that were made between XX/XX/23 and XX/XX/23. These involved both online transactions and purchases at local businesses where the credit care information was manually entered. The sum total of unauthorized charges and purchases at local businesses where the credit care information was manually entered. The sum total of unauthorized charges amounts to {$1300.00}. Initially, the disputed charges were denied. I sent in an appeal letter in XXXX and I am still waiting to hear. The police has pressed charges on the person who has stolen my money. I keep calling the target redcard company but they keep telling me that I just need to pay the minimum balance but do not tell me anything. It is now past the promised XXXX days and this dispute has not been resolved. I am not able to afford to pay back the money that was stolen.
Product: Credit reporting or other personal consumer reports

I have disputed bankruptcies on my credit report with Transunion, XXXX and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. TransUnion, XXXX and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.
Product: Credit reporting or other personal consumer reports

CFPB, Credit Score Intent to Sue Letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Equifax is XXXX XXXX XXXX, XXXX, GA XXXX. 

Notice of Intent to XXXX Dear Equifax XXXX I am writing to formally notify you of my intent to file a lawsuit against you regarding your company. Your company continues to mess with my credit worthiness by messing with my credit score, all of my accounts are in good standing. My credit card Utilization is Excellent, stays under 30 % every month no derogatory remarks.g I fill this is discrimination against me because of my skin XXXX. I've also filed a complaint to the XXXX XXXX  XX/XX/XXXX at XXXX. 15 U.S. Code 1681a Definition of Rules and Construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility.

This conduct constitutes Consumer Laws.

To resolve this matter amicably, I am requesting that your company corrects my credit score.The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. 

Please be advised that if I do not receive a satisfactory response by your company in 30 days from the date of the XX/XX/XXXX I will proceed with filing a lawsuit against you in the appropriate court. 

I hope we can resolve this matter without further legal action. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX week of XXXX I went to use my debit card and was denied. I went immediately to the bank, on the way I checked my online banking statement and noticed a lot of charges that were not mine. I assumed this was why my card was shut off. The bank confirmed the shut off but said that they could not stop them I have to wait till they clear to dispute them. XX/XX/22 went back after charges clearing, and finding new unauthorized charges they reissued me a new card and had me fill out, and sign a dispute for XXXX charges going back to the end of XXXX. They assured me XXXX days a response will be given. XX/XX/22 I was told I got paid 1 day early, for some reason my online banking was by then inaccessible to me so I went to a ATM to get a balance to make sure it was all there as I recently have had issues. My whole check plus the remaining balance from my last frauds were not there a balance of {$1600.00} not counting the issue charges that should have been there. I called many times in the next few days to talk to someone but it being a weekend I did not get a hold of anyone. I again check my balance via atm and it showed a balance of XXXX. Please keep in mind I knew there was no money available to me from my last fraudulent charges and have not used my acct and actually had to wait for a new card, so no new usage should have been going on. After waiting many hours on the phone I finally talk with an XXXX and he informed me that the charges were coming from my husbands card which initially started the flag but did not shut off that card they shut the wrong card off so the charges continued to a more higher price of withdrawals not authorized. I'm concerned because the card in question has never been formally turned on by me or my husband and doesn't even have a PIN and has never had any usage. It is also a few months from expiring. This card has also been kept in the safe in the same envelope it was shipped to me in. Why flag my account, turn off the wrong card, continue letting them steal from me, and then making me wait for an investigation to give my money back when its the banks error? They need to make me whole now and do the investigating and try and get the money back that way. I'm not at fault, they are especially since the woman who helped me file the XXXX dispute was the branch XXXX at that location. She should have noticed something of that caliber and it doesn't look good that the XXXX is ready to incumber losses that easily whether it be the banks or the costumers. This has emotionally traumatized me as we live paycheck to paycheck budgeted and all of my bills can not be paid. I'm incurring late charges. I have small children that rely on this for their everyday lives. I trust the bank to keep my account clear, but clearly there is an issue going on inside the bank as you flag an account, don't turn the flagged card off but continue to let it happen. This is a very big problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : Account Name : DEPTEDXXXX Account Number : XXXX Reported Balance : {$37000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : DEPTEDXXXX Account Number : XXXX Reported Balance : {$17000.00} Account Name : DEPTEDXXXX Account Number : XXXX Reported Balance : {$48000.00} Account Name : DEPTEDXXXX  Account Number : XXXX Reported Balance : {$31000.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Reported Balance : {$0.00} Additional Information that needed to be removed from my credit due to identity theft Address ( es ) : XXXX XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Name ( s ) : XXXX XXXX Name ( s ) : XXXX XXXX Name ( s ) : XXXX XXXX Name ( s ) : XXXX XXXX Employer ( s ) : XXXX XXXX XXXX XXXX Employer ( s ) : XXXX XXXX XXXX
Product: Credit card or prepaid card

I wish this bank would stop denying me for more credit everytime I apply it is system declined and when I get a letter its from a old credit report they use not the most recent this is horrible I want my XXXX XXXX XXXX approved since I bank with them and invest Amex call me to resolve this Im Not happy
Product: Credit reporting, credit repair services, or other personal consumer reports

Thereareaccountslisteduponmyreportthatdonotbelongtome.IhaveadvisedExperianofsuchonnumeroustimes.Havecontactedall3companiesandneitherhasrespondedtomyrequestsohowisthatExperiancontinuestoreportinaccurateandfraudaccountsontomycreditfile.Ifacompanycannotprovethevalidityofsuchaccountstheymustberemoved.FurthermoreIhaveneverevendealtwithorhadbusinesswitheitherofthecompanieslistedbelowandtheyhaveallfailedtosendmenoticetogivememyrighttodisputethevalidityoftheaccount.THESEACCOUNTSARERESULTSOFIDENTITYTHEFT.
XXXXXXXX/XXXXINTHEAMOUNTOF{$11000.00}XXXXXXXXINTHEAMOUNTOF{$410.00}XXXXXXXXINTHEAMOUNTOF{$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, Experian, XXXX and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX Experian - 2 late payments XXXX  - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX Experian - 3 late payments XXXX  - 1 late payment XXXX XXXX - late payment XXXX XXXX XXXX XXXX  # XXXX Experian XXXX 5 late payments XXXX - 2 late payments XXXX XXXX XXXX 1 late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Conspiracy Against Rights. ( A Federal Crime Has Been Committed ) By Experian.Please see attached.
Product: Debt collection

XXXX XXXX was notified in 2019 of my Bankruptcy and would not allow me to turn off the electric in home I had been renting until XX/XX/2019. I moved out and they continued through XXXX under my name. My bankcruptcy was discharged on XX/XX/2019. They sent the debt to Helvey & Associates who refuses to remove the collection from my credit bureau reports. I have disputed it multiple times with the company and they still have it on my credit even after it was included in bankruptcy.