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

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-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. 

XXXX - ACCOUNT NUMBER- XXXX
Product: Debt collection

after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Owed : {$22000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct XXXX i looked up my credit and saw that this account shows 73 negative remarks and still reports as charge off every month. through the fair credit act this company continues to violate my consumer rights by sharing this information without my written consent. this account was closed in 2016 and i believe this is still being reported as it were active. i would like {$1000.00} per violation and have this removed off my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve.
Product: Debt collection

Not reporting correct date with credit grantor. Should be showing 2011
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681s- Responsibilities of furnishers of information to consumers reporting agency. 

I requested for Equifax to either update my credit report with accurate information or remove from my report XXXX auto group is a closest paid off account. 
Equifax is reporting inaccurate information which falls under statutory of damages. 

Down below is uploaded proof of paid off acct for XXXX reporting on XXXX XXXX and XXXX which is shown on Equifax.
Product: Bank account or service

i filled a dispute with Citibank regarding a purchase of {$66.00}. This was not authorized by me and I have told this to Citibank numerous times. This charge was during a trip to XXXX and the hotel charged me the {$66.00} for something I did not authorize. Citibank has refused to credit back the account saying that the hotel provided receipts. These receipts were all in XXXX and XXXX currency, I did not see why the charge for {$66.00} was on my account. Citibank denied my claim. This is unfair because I was not responsible for this transaction.
Product: Debt collection

XX/XX/16 {$1900.00} Not my debt.Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay XX/XX/16 {$1700.00} Not my debt. Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay.
Product: Credit card or prepaid card

Yesterday, XX/XX/2022, Capital One assessed a " Returned Online ACH Payment '' in the amount of {$400.00} to my XXXX credit card with them. This was due to me attempting to pay off my entire balance of {$4900.00} on XX/XX/2022 via Capital One 's mobile app on my phone. The payment source I had selected was my XXXX bank account, which was negative at the time due to recently miscalculating my available balance when making payments, and getting hit with multiple {$34.00} insufficient funds fees from XXXX as a result. 

I attempted the payment because I felt overburdened with debt, and I was in a very emotional state because that day was the day I finally decided my dog had fought long and hard enough, and it was my duty as an owner to put him out of his misery. I have proof in the form of a receipt from XXXX XXXX XXXX in XXXX, California that I euthanized my XXXX dog late in the night on XX/XX/XXXX, going into the morning of the XXXX. 

I knew that if I had managed my finances better, and worked harder, I could have made my dog 's last 6 months much more comfortable via specialty treatment and therapeutics, and perhaps even prolonged his life by a few years by having a surgical intervention for his collapsing XXXX. I was frustrated and my judgement was impaired due to the situation I was facing financially and emotionally in regards to my dog. 

I made a bad decision trying to process that payment that I knew my bank account wasn't good for, but it was a momentarily lapse in judgement, and I honestly didn't even expect the payment to go through. Now the payment has been returned, and Capital One is trying to abuse me with a {$400.00} charge that I'm not in a situation to pay. 

I have made all of my payments for all of my credit cards for almost three years straight now, and I don't know if what Capital One is doing here is even legal, but I know it doesn't feel right. They already charge me exorbitant interest around 25 % APR, meaning my roughly {$5000.00} debt with them is worth around {$1200.00} in annualized profits. Adding another {$400.00} to that for a simple mistake is absolutely ludicrous. 

At this point I'm doing everything I can to tread water financially, and I really need an advocate rather than more of my time wasted talking to customer service where I'm sure they will say there's nothing they can do about the charge. Please help me!
Product: Debt collection

They have called me 14 times within a 7 day period. Often times they would call 2-3 times in a row. I was previously with SeedFi and then SeedFi was sold to them for them to handle debts. If XXXX was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and SeedFi never did this. I was drawn to the easy use of the website of SeedFi and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute for multiple inaccuracies and Metro 2 compliance violations on my credit report. The following accounts contain significant discrepancies that misrepresent my financial profile and violate Metro 2 standards. I am requesting an immediate investigation and correction. 
XXXX. Account : XXXX  XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX  XXXX Issues Identified : o Late Payment Reporting : This account shows multiple late payment entries marked as 90 days past due with conflicting update dates ( XX/XX/XXXX, XX/XX/XXXX, etc. ). The inconsistency in reporting late payments does not align with Metro 2 standards for accuracy. 
XXXX  High Balance Reporting : The high balance is inconsistently reported as {$520.00} across the bureaus. Uniformity is required for compliance. 
o Dispute Remarks : Comments vary across bureaus, with Equifax stating Credit card Amount in XXXX column is credit limit, XXXX noting Account was in dispute - now resolved by subscriber, and XXXX indicating Dispute resolved; reported by grantor. These conflicting comments create confusion and fail to meet Metro 2 standards for clarity. 
XXXX. Account : XXXX  XXXX XXXX - [ Account Number : XXXX ] Data Furnisher XXXX XXXX XXXX XXXX XXXX Issues Identified : o Account Status and Late Payment Reporting : This account shows multiple late payment entries that are inconsistent across bureaus, with different update dates and 90-day late payment entries. The discrepancies fail to provide a clear and accurate payment history. 
XXXX  High Balance Reporting : Equifax lists the high balance as {$350.00}, while XXXX reports {$370.00}. Such inconsistencies violate Metro 2 compliance standards. 
o Dispute Comments : Equifax states Consumer disputes this information Credit card, while XXXX and XXXX have different remarks. This lack of uniformity causes a misleading representation of my credit report. 
XXXX. Account : XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX  Issues Identified : o Account Status and Closure Date : The account is reported as Closed across all bureaus, but with differing closure dates ( Equifax : XX/XX/XXXX, XXXX : XX/XX/XXXX, and XXXX : XX/XX/XXXX ). This inconsistency violates Metro 2 standards for uniformity in reporting. 
XXXX  High Balance Reporting : Equifax reports a high balance of {$1300.00}, while XXXX lists {$730.00}. Discrepancies in high balance reporting create a misleading record. 
o Comments and Dispute Remarks : Each bureau has differing comments regarding the account 's closure, such as Closed or paid account/XXXX  balance on Equifax, Account has been closed due to inactivity on XXXX, and Canceled by credit grantor on XXXX. These inconsistent remarks fail to meet Metro 2 standards for clarity and uniformity.
Product: Credit card or prepaid card

I have been charged a pre-payment penalty on a Barclay 's credit card that has been disguised as a " late fee. '' On XX/XX/2020, I made a payment of {$150.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I made a payment of {$100.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I was assessed a " Late Payment Fee '' in the amount of {$29.00}. On XX/XX/2020, I made a payment of {$250.00} for the statement period ending XX/XX/2020. I was then assessed an additional late fee of {$29.00} on XX/XX/2020. 

Per my credit card agreement, there are no stipulations for pre-payment penalties. After trying to resolve this with the company both through online communication and via telephone, Barclay 's has refused to correct their error and issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed experian reporting an inaccurate late payment on my credit report. The account XXXX account number XXXX is showing a status of paid, was 30days past due with a late payment XX/XX/18 ... i have a print out of all of my monthly payments ( at the time my due date was the 3rd of each month ) as will b shown i made XXXX payment ONTIME ( b4 30days past due ) ive tried several times to dispute the inaccurate information and it always comes back verifiedIM SURE XXXX HAS NOT VERIFIED ANY NEGATIVE NOR FALSE INFORMATION, thanks for your prompt attempt to this matter please correct this information AS SOON AS POSSIBLE as it is affecting my credit score and rating
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/ Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX # B XXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items in m y credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Back on XX/XX/XXXX, I pulled my credit report and found that Capital One marked my account 30 days late back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When this occurred back then I called Capital One every time and explained that I was either sick by the XXXX ( I actually had XXXX 3 times ) and I was struggling to pay due to missing work. 

Now today ( XX/XX/XXXX ), I called Capital One to ask if they could change the reporting as on time. The only true late payment I had was XXXX of XXXX. That was due to a technical issue with my XXXX payment and my regular employment payment. But since XX/XX/XXXX I have not only been on time but I have paid the loan off nearly 6 months before the maturity date.
Product: Debt collection

I am a senior citizen age XXXX living on under {$900.00} a month direct deposited social security. Thats at about 80 % of the XXXX XXXX level. 

Zwicker & Associates, P.C. ( Ph : XXXX ) filed a claim against me on behalf of XXXX XXXX  in the Court of Common Pleas in XXXX XXXX PA in XXXX of XXXX. I received the paperwork around the beginning of that month. Arbitration is scheduled for XX/XX/XXXX at XXXX XXXX. 

The claim is seeking {$4700.00} of which {$2500.00} is interest. The account was closed in XX/XX/XXXX. Interest continued to be added from XX/XX/XXXX until XXXX of XXXX. From about XX/XX/XXXX to XXXX or XX/XX/XXXX this account was in Debt Consolidation with ____ca n't remember company name__. It became a hardship after making payments of {$180.00} a month from XX/XX/XXXX to XX/XX/XXXX. At this time I canceled my agreement with______ to move my debt to XXXX XXXX XXXX as they were able to lower the monthly amount. I was advised to stop paying on my credit cards so they could negotiate with the credit card companies. I was able to actually pay off some of the credit cards that I had at the time. But that too became a hardship and I calculated how long I would be paying so I canceled my agreement with XXXX and negotiated on my own and paid off two of my cards. 

I contacted XXXX to try to negotiate with them as they were listed on the collection letter I received and was told that they would only be able to accept {$290.00} a month for a year. I had one check debited from my account in XXXX of XXXX and was unable to continue without severe hardship. So I canceled that agreement. I did speak with someone and told them I could afford {$50.00} a month but there was no further conversation on the part of Zwicker to set up a plan I could afford. My complaint is that I tried to settle my debt in a manner that would not leave me with financial hardship and they refused what I could manage. It would be a greater hardship if I am also saddled with arbitration fees. 

PA
Product: Bank account or service

This complaint is about BBVA Compass Bank. I received a car loan with them in XXXX of XXXX. I made every payment on time. I recently bought a new car and was informed that the Compass car loan does not show up on any credit reporting agency. three and a half years of on time payments do not show up anywhere. However, in XXXX they closed a credit card account because they reviewed my credit report on XXXX and it was n't up to their standards. That negative closure shows up on all three reporting agencies but the fact that I have consistently paid 3 times the minimum payment since the closure does not. They only show I pay the minimum payment. I called Compass. Nothing they can do about the credit card. I called about the car loan. I received a message that they had fixed it and I could return to the dealership after XXXX XXXX and it will show up. It does not. it is now XXXX XXXX. They 've done nothing but damage my credit and refuse to show that I have never been late, that I pay more than the minimum on XXXX the car loan and credit card and never even reported the car loan to the credit bureau. They have severely negatively impacted my credit and I have no idea how to get them to fix it.