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

There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I contacted XXXX about being charged an additional {$50.00} after I had paid off my credit card balance. At first, the company insisted the charge was valid, but I pointed out that it was against the law for credit cards to charge more interest once the entire balance has been paid off. The represented checked with a manager, and agreed to refund the amount. 

Also on XX/XX/2018, I contacted Chase about being charged an additional {$10.00} after I had paid off my credit card balance. The representative spent several minutes insisting that the charge was valid, and there was nothing he could do. I told him such charges have been illegal since the financial reform, that I refused to pay it, and that I would report Chase to the CFPB. Eventually, he decided to check with a manager, and then agreed to refund the amount. 

While both credit cards agreed to refund the additional interest, I don't want to go through this every time I pay off a credit card bill. Not to mention that there are millions of people who are unaware they shouldn't be paying those additional interest charges. Credit companies are defrauding consumers of billions of dollars annually, and they should be held accountable. These companies should be forced to refund those charges, and permanently stop this practice. That is why I decided to report the issue to the CFPB.
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 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 16811 ( 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 i ) 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
Product: Credit reporting or other personal consumer reports

The inquires listed in my credit file are unauthorized and I didnt give consent for them they are fraudulent
Product: Credit reporting or other personal consumer reports

As a result of natural disaster i was on a forbearance and my loan was brought current by an FHA partial claim. Mr cooper Nationstar is erroneously reporting my account with a past due balance when in fact my account was never to be reported in this matter. As of XX/XX/XXXX my account is being reported late with a pas due balance. I have provided letters of forbearance and current mortgage statement showing my account is not past due along with screen shots of my mortgage website, In addition my mortgage has been paid already for the month of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.
Product: Debt collection

3 or more calls a day claiming that my payment is past due. Shellpoint acquired my mortgage and the contract I signed with my original mortgage company states that my payment is not late until the 15th of the month and the calls started on the 8th. I repeatedly told them to stop calling me, I repeatedly told them that I do not give them permission to record me, all ignored and the recorded calls just keep flooding in.
Product: Credit reporting or other personal consumer reports

Experian shows that I lifted the freeze on my file to allow my credit to be run, but my file is still frozen. This has happened on and off in the past and is now seems to be a permanent issue. I have the emails and screen shots from Experian showing that my credit report freeze was lifted, but the potential creditors are telling me otherwise. This is frustrating to say the least, but then when you call them to resolve it, they refuse to let you speak to a live person and they keep you in an endless loop of an unhelpful AI agent to avoid solving the problem. This seems to be a widespread issue as other people post about it on social media. I also see that the CFPB went after XXXX for the same issue in XXXX  XXXX  XXXX article. I guess Experian is now starting to do this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Some accounts are duplicated and closed. Yet they are still being furnished on my account. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$300.00} DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} BANKRUPTCY XXXX XXXXXXXX Reference Number XXXX Filing Date XX/XX/XXXX BANKRUPTCY XXXX  XXXX-DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$3000.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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 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, has violated my rights XXXX 

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 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

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 : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # 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 an account without my written instructions. No reporting agency has my written permission to furnish any accounts.

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 or 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. 

15 U.S.C. 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I dispute XXXX XXXX XXXX from my credit report after the investigation was completed, TransUnion deemed it to be accurate. The problem is why did they delete it off my credit and then added it back. That dropped my credit score XXXX points. I have disputed many items and they have never dropped my credit scores. I need for those points to be added back to my credit. I should not be responsible for error on their part. They have done this once before, which it caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion and XXXX several times to make correction to what is reported on my credit history : 1. Transunion is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction. 

2. XXXX is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes. 

Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????
Product: Credit card or prepaid card

XXXX XXXX XXXX charged me a returned payment fee {$27.00} when I had money available in my account I checked my balance before phone ordering my payment and I had money in my account. Turns out that XXXX XXXX XXXX got paid twice and still decided to charge me a returned payment fee of {$27.00}
Product: Checking or savings account

Navy Federal has locked my access to my account due to an attempted XXXX money transfer. Navy Federal staff refuses to try to verify my identity or to work with me to allow me to get access to my account.
Product: Debt collection

Try to contact this company for months and keep reporting inaccurate information to my credit report I sent letters no respond they can't validate it needs to be deleted there in violation of the fair credit act and the account needs to be remove
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and I am requesting that all the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These accounts and inquiries have been compromised and should no longer appear on my credit file. 
Please find below the list of accounts and inquiries that I request be blocked and deleted : Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.
Product: Debt collection

To whom it may concern. 
My Name is XXXX XXXX. I got Fraud and Identity theft from company name Credence Resource Management ( debt Collector agency ) who claim I owed money from cable company call XXXX XXXX. I never know or heard about XXXX XXXX XXXX. I check the company does not even available in where I Live. I have been with XXXX for 20 years. how can I have 2 cable company in one house? Credence Resource Management ruin my credit by reporting to XXXX Credit Bureau. 
I contacted XXXX by phone and mail police report but no action from them. its been 6 months. PLEASE, PLEASE. CFBP help me. I've been working hard to keep my credit excellent. its really unfair this company destroy my life for no reason. please help me CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase from a shop through paypal with my credit card for XXXX. My credit card is through Capital One. The items that I received were not what I ordered. I notified the company through XXXX, because they did not have a customer service phone number or email address. The company asked me to keep the items and that they would refund me 10 %. I told them no. They then asked me to ship the items back at my expense internationally and they would refund me fully. I told them that if they sent me a shipping label that I would happily send it back. They never responded and I escalated the claim to Capital One. This is the first time that I received a letter asking me for more information and they decided to close my case. I am not appreciative of this. I called and spoke with a XXXX, who on the call, states that he is the highest person in the call center that I could speak with and then directed me to the stakeholders if I wanted to speak with someone higher. I am not pleased with the service right now and I am not pleased with how he kept interrupting me through the call, and I am not pleased with how my claim is being handled. Not at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for an investigation on derogatory accounts in collections on my TransUnion credit report from a company called XXXX  XXXX XXXX and original creditor name is XXXX XXXX XXXXS. This company continues to say that I owe them money when I do not. I did my own investigation and they have no signature from me, no Identification, nothing all they have is my name they didn't even know my address. TransUnion removes and then this company instantly puts back another bill with another amount and it's been going back and forth for months and I can not get a decent investigation from TransUnion all they say is " this was investigated and is accurate '' yet I asked for the details of the investigation and 60 days has now passed and I received just a letter from them saying my rights and nothing on the details of the investigation. Please help me remove and block this company from harrasing me on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Fraud Report : I received a call on Thursday, XX/XX/XXXX, from XXXX Credit department indicating that someone with an Illinois address had fraudulently taken a vehicle loan in my name, with my social security number and my cell number. They asked me to contact the XXXX Credit Victim Department ( at XXXX ), which I did, and they told me that they will start an investigation. 

I also went to the Experian website and saw that someone had fraudulently opened an auto loan account with XXXX Motor Credit on  XX/XX/XXXX with an original loan amount of {$98000.00}. Apparently, that criminal made 1-2 payments and the last payment was over 30 days late, and that is when I was called. That is the first time I ever knew about it. 

I immediately filed a police report and informed all 3 credit bureaus of the fraudulent loan in my name. All 3 credit bureaus froze my credit at my request. 

XXXX and XXXX also REMOVED THE FRAUDULENT ITEM from my credit report after receiving the police report. 

EQUIFAX REFUSES to do the RIGHT THING. EQUIFAX CONTINUES TO FALSELY CLAIM that the FRAUDULENT ITEM on my CREDIT REPORT is ACCURATE. EQUIFAX thus has become a PART OF THE FRAUD AGAINST A CONSUMER. There is little I can do except complain or file an expensive and time consuming lawsuit against EQUIFAX to get my RIGHT. 

Please hold EQUIFAX, and its CEO and BOARD MEMBERS PERSONALLY LIABLE, FOR THIS EGREGIOUS FRAUD. 

Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX TOYOTA MTR XXXX XXXX XXXX RE : We have disputed this account.
Product: Credit card or prepaid card

Good morning, I opened an account with XXXX that served by XXXX XXXX XXXX. Basically I'm just trying to pay my bill in full, however bank refusing to provide me any information regarding my own account so I can make a payment. However, they are offering pay your bill with XXXX $ fees, which I think violates my rights of a fair trade. So what they do, they start sending me a bill with interest fess and stuff, but I'm unable to pay it because I can not login to my account and pay it off. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, they have violated my rights XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose