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

I have been trying to dispute an item on my credit. I have logged in 5 times but every time I try it acts as if it did not receive my information but I have done it 5 times and filled every box in. When I push file dispute it reroutes me back to this same page but makes it blank again. I feel as though they don't actually dispute items its a scam or something, for me to put all my personal information in and then come back to the site different times different days, something doesn't make sense. Now im scared for my identity.
Product: Credit reporting

I have inaccurate information on XXXX of my credit reports. I have credit card accounts back from XX/XX/2000 that were paid, never late, and have been closed over 7 years. I 've called the companies and they ca n't locate any record of the account because it has been so long. I am told to take it up with the credit report agencies. When I call them, I repeat myself over and over again for them to take my dispute.
Product: Credit reporting or other personal consumer reports

The account XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/2024 to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. XXXX, Equifax, and XXXX are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over 45 days since you were informed.
Product: Money transfer, virtual currency, or money service

I have been trying to resolve this problem with a loan I was never able to withdraw since XX/XX/year>. I spent XXXX days trying to troubleshoot and somehow get those funds out of the digital wallet where it cant be use. You have to transfer it to your own checking account to access it. Solo funds told me it was an engineering issue and that they would fix it, but that was XXXX weeks ago and they never did. It was a {$400.00} loan that I never received a XXXX of. They assured me I wouldnt be charged the repayment, as I never got the loan out of the solo wallet. But this morning, XX/XX/year>, I was charged {$440.00}, for the loan plus a tip, and my bank cant reverse it. Solo has to cancel that transaction, but they are unreachable. Both phone numbers I was able to find go to voicemails that are full. They dont respond to emails anymore since saying it was an engineering problem, and Im now hundreds of dollars overdrawn because of them with no hope of getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX report a new installment loan account to my Experian credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for XXXX loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with Experian on XX/XX/2023. XXXX emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX service, XXXX told Experian that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Date Opened XX/XX/2019 Charge Off Amount {$8600.00} My account with Exeter is showing as being charged off with a balance. 
The vehicle was voluntarily surrendered back to the dealership after it was found that the vehicle was in need of a transmission. I spoke with the sales person explaining my findings about the vehicle, I was instructed to surrender the vehicle and at that time the loan will be closed. I have tried disputing the account several times but haven't received any response from EXETER FINANCE.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX  XXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXX  account shows discrepancies across bureaus, including incorrect XXXX late payments in XXXX for TransUnion, XXXX and XXXX, XXXX on-time payments. High balance varies, with {$300.00} reported by TransUnion and XXXX, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

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

Giving another opportunity to validate and verify these accounts and make the necessary corrections. By law, I have the right to request the validity of these accounts be investigated for accuracy per the FCRA Law guidelines, yet I have not received anything as to the validation of these accounts. I am requesting a re-investigation of these accounts be made and proof of validation be sent to me, including who was spoken to and what documents were provided to validate and substantiate the debts belong to me as they do not. XXXX, Equifax and XXXX are breaking the law. I have proof that they never re-investigated my disputes also. Please delete these accounts! The following accounts and companies are in violation : XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4500.00} Status Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX {$7800.00} XXXX Account charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. XXXX Date opened XX/XX/XXXX XXXX {$550.00} XXXX Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$7200.00} XXXX Account charged off. {$7200.00} written off. {$7200.00} past due as of XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$32000.00} XXXX Account charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$190000.00} Status OpenXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} Status Collection account. {$3600.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$33.00} XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX-account number XXXX XXXX XXXX account XXXX XXXX and inquiries : XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX
Product: Credit card or prepaid card

I availed of the Secured Card service from Bank of America Financial Center at XXXX, Connecticut. Their branch address is XXXX XXXX XXXX, XXXX, CT XXXX XXXX Its a Debit Card which required me to deposit XXXXUSD of which i believe XXXXUSD has been set as the credit limit and XXXX USD as security deposit. 

Me and my daugther came back to the US on XXXX XXXX, 2014. i first experienced the issue of not being able to use my card and the online banking days after we arrived. After experiencing more of it i started to call them and made several calls to their costumer service hotline to inquire about about the problem, but the service representative 's answer is that they are not authorized to handle the problem. So i went to the branch where i opened the account and asked them for the reason behind the issue i was experiencing but they told me that only the credit department can resolve this. I made several successful calls with their credit department but they too could not explain why i could n't use my card and online account. It took several months until i finally decided to close the account. I remembered being refunded my security deposit. 

A couple of weeks later i saw a zero deposit promo from XXXX XXXX XXXX XXXX if you open a savings account with them. So i met with one of their account managers, as one of their requirement they told me that they have to run my credit history. so i agreed. This is the very reason for my complaint - the credit history contained a report from BOA - " Gross Abuse of the account " and that it says that i have a balance of 200 something. Right after i saw the report and being denied of the service, i went to the nearest BOA branch in XXXX CT. I asked them if they can check their system if i have an outstanding balance, the teller check but she could n't find my account since i already closed it weeks before. I was hoping to get a collection notice from BOA but not a single one came and yet everytime i call their hotline they always say that they ca n't handle it since i no longer have an account with them. It is because of this report that i was not able to open any account from any banking institution since 2014. Until this time no one from back of america can answer me why i have that comment in my credit report. I should n't even have any balance since it was a debit card, and i why was i refunded of my deposit if i had an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to two letters to Equifax to validate 4 reporting closed accounts or collections on my credit report. First letter was sent on XX/XX/19 and Equifax responded on XX/XX/19. The second letter was sent on the XX/XX/19, and Equifax responded on XX/XX/19. I stated in both letters if they can't verify these accounts which would be a original consumer contract with my signature on it, to respectively delete it. Both of their response has been that they have verified with original source or creditor without no proof. Even though they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. I have demanded proof and haven't received proof but they are still reporting these accounts. Not to mention several of these closed accounts are still reporting to my credit report which is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I received unauthorized withdrawals from a lending company that was already paid off via a different account. Named XXXX. ( I do not want them involved in this dispute as I am dealing with them separately This is exclusively about ally bank ) They kept pulling the money out so I called my bank named ally bank and paid {$15.00} to stop all withdrawals from them. That was XX/XX/XXXX. The withdrawals stopped but now they were withdrawn again. When I called ally ( dispute # XXXX ) I was just told they'll look into it and I needed to submit information, when they had been the ones that charged me {$15.00} and said they would no longer let the company pull money out. This morning when I called in a panic I was told they'll put a dispute in and will close the account and they would credit me back by end of the call Now I'm told it will be 10+ business days and I have to submit proof first. I don't have proof for them putting a stop to it besides the {$15.00} I paid and proof that it didn't go through last time. No I don't have access to any money that I have left and I am out another {$500.00} and I will not be able to pay rent because ally being my bank and having been paid to put a stop to it, let it go through anyways and won't take responsibility to protect me, their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to TransUnion, XXXX, and XXXX to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong addresses on my credit report Inaccurate information on my credit report items has not been verified, and need to be removed and unauthorized inquiries Investigation took more then 30days,
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX and Nelnet are fraudulently reporting a charge off/Paid account on my credit report. As stated by the IRS, a charge-off/paid off account is considered ordinary income but Nelnet is still reporting it as debt. This account is not reflected on my XXXX or XXXX credit reports. This is a violation of 15 USC 1681 ( e ) b, which requires that credit reporting agencies provide maximum accuracy on my consumer credit reports. Nelnet has filed this debt on their taxes, yet this company is still currently reporting this as debt on my credit report for the past several years. Nelnet is required to provide me with a 1099C and has yet to provide one. I have requested one from Nelnet and awaiting their response. This account is not reported on any other credit report except XXXX. 
Please block/remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and 15 USC 1681 ( e ) b. Send the required notifications to all furnishers of this information. 
Fraudulent Account : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER LISTED ON CREDIT REPORT : XXXX Enclosed are the following : A copy of my credit report I received from your company. 
The fraudulent items are listed under XXXX XXXX XXXX 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Report Act Section 605B 15 USC 1681 ( e ) b IRS Topic No. 431 Cancelled Debt. 
I appreciate your prompt attention to this matter. Please remove all incorrect and fraudulent off my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX, two ( 2 ) payments were made in the amount of {$2000.00} and {$400.00}. The payment amounts should have been applied to a balance subject to interest rate of {$430.00} that expired on XX/XX/XXXX however it was not. On the XXXX statements the full amount subject to the balance transfer offer 4 was added to standard purchase rate in the amount of {$1100.00} calculating an interest charge of {$13.00}. 

The allocation of payments should be to the balance transfer first in accordance with Regulation Z. This is an unfair and deceptive practice. I want the {$13.00} and any other interest charged in XXXX having to do with the balance transfer offer 4 that should have been paid off credit to my account. The only interest I should be paying is the .99 % balance transfer that expires on XX/XX/XXXX and any purchases made.
Product: Credit reporting or other personal consumer reports

Good Afternoon, On XX/XX/XXXX I was notify by the Internal Revenue Services that I was victim of Theft Identity. On XX/XX/XXXX I had an appointment with the IRS to resolve my problem. Since now I do not have a final resolution. In the mean time I check for my credit report and there are many hard inquires on my credit report that I did not approved and that's why I am requesting your assistance. 

This are some companies or inquires that I do not recognize : XXXX XXXX ( car loan ), XXXX XXXX XXXX ( credit card ), XXXX XXXX XXXX XXXX ( car loan ), XXXX XXXX ( car loan ), XXXX XXXX ( car loan ), XXXX XXXX  ( personal loan ), XXXX XXXX ( home loan ) XXXX ( home loan ) Thanks in advance for your help.
Product: Debt collection

I owed {$350.00} to XXXX that went to collections. 

CCS Collections XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX ext. XXXX in association with XXXX The lady I spoke with said twice they would settle the debt for a 15 % reduced amount of {$300.00}. I have the entire phone conversation recorded. The receipt they sent and the amount charged to my credit card is {$350.00}.