23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

XXXX. XXXX Inquired on XX/XX/2021 2021
Product: Debt collection

I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act XXXX XXXX XXXX and Levy & Associates both have 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 an account without my written instructions which neither of them did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX  XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and the company conducted them without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a XXXX XXXX  accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. 

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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, According to : 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: Debt collection

I am contesting this charge because XXXX XXXX XXXX XXXX neglected to secure an insurance referral before the appointment. They never reached out to me to obtain this referral on my own, therefore I was under the impression as before that they would handle this referral between them and my insurance company. I was then charged as an out-of-network patient because of a lack of a referral. Then, based on the suggestion of my insurance company, I filed an appeal with XXXX to investigate why no insurance referral was on file in XXXX. The business office informed me that I would receive a response within 30 days which never happened, and upon my follow up calls with XXXX they claimed there was no record of an appeal. I attribute this to their own negligence. 

The collections agency has neglected to ever inform me of the outcome of the second appeal that I filed with them, and continue to notify me that the amount is owed. The company that owns my debt now is the State Collection Service. 

It should also be noted that I already paid the XXXX copay on XX/XX/2022, the date of my appointment. Upon making the payment I was not informed that an insurance referral had not been obtained. This is the correct and final amount that I should have owed for this appointment, as it was in-network.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

This company collected my DL, SS #, Mortgage Statement, and Credit Report. I'm severely violated here since now this XXXX man team will not hand over my XXXX XXXX credit report. The CFPB will not do anything but send a letter. YOU have to enforce harder punishment for these XXXX XXXX  mortgage companies taking advantage of us and HAVING our whole life and we have nothing ( my SS #, DL #, picture, etc ). 
Now, they will not communicate with me after I informed them I was writing the Attorney General 's office. 
XXXX told me that they were pulling a " HARD REPORT '' BUT XXXX promised it was a SOFT pull. 
On the online application I told her that I wasn't going to agree to a credit pull since I had a copy to sue her. 
I HAVEN'T BEEN GIVEN ANY DETAILS OF THE LOAN? 
YOU have to REGULATE this Mortgage industry. 
NOW, I'M FEARING THEY WILL SELL MY DATA. 
They are refusing to release my credit report to me stating they can only send me a consumer version. 
I was forced to RELEASE MY CREDIT OR ELSE XXXX WAS NOT GOING TO PROCEED WITH THE LOAN. 
I had sent her a copy of my Credit Report from XXXX Bureaus ' but this was NOT GOOD ENOUGH FOR HER. 
SHE FORCED ME BY STATING THAT SHE HAD TO PULL HER OWN COPY??? 
IT STATES THE SAME INFORMATION??? 
Now, they won't proceed with the loan since I'm requesting a copy of what they have on me. 
They have a MORTGAGE CREDIT and XXXX stated that I CAN'T HAVE A COPY OF MY OWN CREDIT THAT SHE ILLEGALLY PULLED? 
XXXX alerted me that I had a hard pull on my credit this morning. 
I had sent her my credit report yesterday ( XX/XX/2022 ) SHE PROMISED ME IT WOULD BE A SOFT PULL SO SHE LIED. 
I DON'T EVEN KNOW THE NAME OF THE MORTGAGE COMPANY WHO WILL HAVE MY DATA? 
WHO IS DAS/ACQUISITION OUT OF MISSOURI? 
They don't even answer the phone like a normal business?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a {$5000.00} personal loan for household purposes through UpStart as I had received a loan from them back in XXXX  and had paid it off. I received an adverse action notice in the dashboard stating that information on my credit report was the reason for my denial even though it stated that I had a credit score of XXXX and a XXXX XXXX XXXXXXXX through XXXX. As a consumer, defined under 15 USC 1602 ( i ), the adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. And since this loan was requested for household purposes, the denial was unwarranted and a violation of my consumer rights to not have my credit report used against me. Seeing as this is not the first time my application was denied for {$1000.00} back on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of multiple data breaches, and incorrect information being reported on my credit report for Equifax, my credit has been damaged. I have attached my credit report from XX/XX/year> where it shows an incorrect phone number that has never been mine, as well as 4 names that do not belong to me or are associated with me in any way. One of the names ( XXXX XXXX ) was involved in embezzlement. I have attempted multiple times to put fraud alerts and protect my credit, but Equifax did not comply. There is a collection account that does not belong to me XXXX XXXX XXXX XXXX. I have tried disputing with Equifax and the CFPB, but neither have been helpful in removing from my report. There is also a credit inquiry from a XXXX XXXX. I don't know what that is nor have I given them permission to pull my credit.
Product: Debt collection

I switched my auto insurance ( XXXX XXXX ) to another company in XX/XX/2022, during the transfer of services ; I asked what balance did I owe, the representative I spoke with said I did not have a balance ; she stated that I was paid in full. this conversation took place XXXX XX/XX/2022. XXXX to XXXX months later I started receiving phone calls and text messages say that I owed {$200.00}. to XXXX XXXX. My credit report was effected as well. The creditor is listed as : Credit Collection Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK has recently made XXXX inquiries on my credit report without my consent. I need an explanation for why they are accessing my credit report, as this is causing a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Method of Validation request regarding the public records ( state tax lien ) item as reported by Equifax, as well as additional documentation. It is my belief that this public record has been incorrectly assigned to my credit report and therefore, I am requesting further, more specific documentation from Equifax 's most recent investigation. 

Please note : Equifax stated the details pertaining to the public record item on my credit report were updated based on data retrieved from a third party vendor, XXXX. 
However, XXXX has been unable to validate this public record item upon my request, stating : No such documentation exists in our database. Additionally, as shown by the attached documentation, I have been unable to obtain any such lien documentation from the state of Georgia tax agencies. Due to this lack of documentation and validation, I must request further assistance from Equifax, as outlined in the accompanying letter. 

Thank you for your continued attention and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Credit card

My complaint is of lack of concern for AmEx customers. XX/XX/XXXX XXXX I began to balance my checking account to make sure all payments and paychecks were submitted before we go XXXX to have a planned XXXX XX/XX/XXXX I made a note in my checkbook that I had it scheduled to be paid, however I realized my Amex card payment was not made. I 've had the card for over a year, making every previous payment on time. I called to make a full payment and ask for the finance charge and late payment fee to be removed. I was told that I do not qualify to have the charges removed. My credit per Fico score is really good-per even Amex 's free Fico Score ( over XXXX XXXX. Note : over 20 years I have had a few late payments due to scheduling or forgetfulness to different credit cards. One time I had not realized that I had n't made a payment until the next statement was sent. Yet EACH time XXXX removed the charges. I know who values me as a customer-I still have their cards. Again, Amex makes it easy to not use them as a main credit card. Yes, I do realize I missed a payment by several days. No concern for my business means I have no concern about their business.
Product: Checking or savings account

On XXXX XX/XX/2021, deposited personal check to Navy Federal Credit Union Bank for the amount of {$50000.00}. The check was cleared by the XXXX XXXX  on XXXX XX/XX/2021. 
On XXXX XX/XX/2021 at XXXX hours I called Navy Federal and learned that the amount of {$50000.00} wasn't available to me. I asked Navy Federal customer representative, why my funds are not available to me? I was put on hold and no one reached out to me. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours, and XXXX XX/XX/2021 at XXXX hours called and checked with XXXX XXXX  to confirm about the check status and XXXX informed me that the check was cleared and funds was released to Navy federal. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours and XXXX XX/XX/2021 at XXXX hours, called Navy Federal and in response they informed me that they hold funds for two days and then release. 
Today is XXXX XX/XX/2021 and funds are still not available to me. 
I feel that Navy Federal is using my money illegally over two weeks and I am suffering.
Product: Mortgage

I completed paying off my mortgage loan with LoanCare LLC in XX/XX/XXXX but the company has still not processed my lien release documentation. I have called their customer service hotline every 2 weeks since XXXX and am constantly told that it has been escalated and a 3rd party company is working on it but it has now been nearly 9 months and I still have no results. The representatives have acknowledged that it should not take this long but they keep asking for an extra 2 weeks and the deadline keeps getting pushed out. I also tried to send a request via their email support portal on XX/XX/XXXX and have yet to receive a response.
Product: Credit card or prepaid card

Went to XXXX XXXX XXXX  they offered me financing to fix my AC. I then got my vehicle back and nothing was fixed. I continue to go back for them to fix the issue and they would say it would be fixed and it would not be fixed. I contacted corporate they sent me to multiple stores to fix the issue it was still not fixed. I did went to synchrony Bank and filed a dispute and they ruled in their favor even though it was fraud. I also was harassed on XXXX by the business owner XXXX because I filed a dispute. This whole situation has been a nightmare and they refused to fix any issue and actually asked me for more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  ....
Product: Debt collection

I am writing to file a complaint against Aldous & Associates regarding an outstanding debt they claim I owe, which I previously disputed. After my dispute with XXXX, this debt was removed from my credit report. I subsequently checked my credit reports through XXXX, XXXX, XXXX, and XXXX XXXX, and none of these reports show any outstanding collection accounts or debts owed to Aldous & Associates.

Despite this, I contacted Aldous & Associates directly to confirm the status, and I was informed by a representative that the debt is still owed. The representative insisted that the account is still open, and that I need to pay the disputed amount. This action raises concerns, as the account was removed from all my credit reports, suggesting that the dispute was resolved in my favor.

I am concerned about the legitimacy of their practices and believe an investigation is warranted. I request that the CFPB review this matter to ensure Aldous & Associates compliance with the Fair Debt Collection Practices Act and other relevant laws.
Product: Credit card or prepaid card

I did not receive a refund from Sears that I bought in XX/XX/XXXX and returned on XX/XX/2018. When I called them on XX/XX/XXXX after I found out they didn't credit my refund on my sears credit card. They said they will refund to me in 5 to 7 days. Today is XX/XX/XXXX and they still did not refund to me. The company now refuse to refund to me due to the time that is passed over 30 days which was not my fault. I am attaching the copies of letters and receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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: Checking or savings account

I believe I have been affected improperly by frozen frees and over charged over draft fees. I believe I am owed from the recent settlement.
Product: Debt collection

Dear, PORTFOLIO RECOV ASSOC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Calling on XXXX XXXX Repeated calls after I asked to verify debt.
Product: Credit reporting or other personal consumer reports

I have no contract with National Credit Systems and have never had a contract with them. This is being reporting inaccurate information to the credit bureaus. 

Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX