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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance XXXX {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are Unauthorized and unverified accounts on my credit report
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Lies told and Criminal Activities by XXXX  on XXXX, XXXX, XXXX that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won XXXX XXXX XXXX  for students that attended XXXX XXXX during certain years . At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX  XXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated College with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX  has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for XXXX  ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX  left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX  and XXXX  sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? Navient continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX 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

I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared on my Experian credit report as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights under FCRA 1681b. 

Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter. I request that you notify me in writing of the outcome of your investigation.
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 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 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 or other personal consumer reports

I am submitting this complaint regarding a medical collection account that is incorrectly appearing on my credit report, despite the CFPBs recent rule banning the inclusion of medical debt on credit reports used by lenders. 

On XX/XX/year> I reviewed my credit reports and found that a medical collection account from XXXX XXXX XXXX is still being reported to EXPERIAN, EQUIFAX AND TRANSUNION. According to the CFPBs final rule effective in XXXX, medical debts should no longer appear on consumer credit reports. 

I've requested removal, but they have either refused or failed to take appropriate action. This incorrect reporting is negatively impacting my credit and financial opportunities.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACCOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMACION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURARY. I HAVE NEVER BEEN LATE ON PAYMENT FOR THE ACCOUNT : XXXX  XXXX XXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENTS WERE LATE, IF PROOF CAN NOT BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATE TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. THANKS.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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

Bankruptcy listed with Equifax, XXXX and XXXX has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide.
Product: Credit card or prepaid card

I had a credit card with Alliant that I had stopped using. I kept it open through the end of the 12 month period that was paid under the {$59.00} annual fee. Now here is where Alliant engages in unprofessional, unethical, " gotcha '' fees. I got my XX/XX/2019 statement in mid-XX/XX/XXXX and saw the new {$59.00} annual fee for the upcoming year. So I called XX/XX/XXXX to cancel. Seemingly in-line with the business practices of all banks, credit card companies, etc, I presumed this would be an easy cancel and removal of the fee - ie, calling within the billing cycle when the fee hit. No such luck. They did cancel my card but said they would have to request the {$59.00} refund. I presumed again this was a simple process and assumed it was done, as I didn't hear further. Fast forward to XX/XX/XXXX where I noticed a new online statement with a balance ( the annual fee ). I call and figure this would be a quick waving of the fee. No luck, again. Apparently they buried on page 3 of the XX/XX/XXXX bill, a notice that says one has to call within 30 days of the XX/XX/XXXX bill to avoid this fee. Take note that the {$59.00} fee isn't on the XX/XX/XXXX bill but the NEXT MONTHS BILL. So if you don't read through all the fine print through to page 3 of the bill, then one never sees this. It's clearly intentional and duplicitous to bury this at the end of a bill vs PAGE 1. Plus it's even more tricky to only allow you to cancel BEFORE the actual charge hits your statement. So once the fee hits your statement, what do you know, it's too late to cancel. How underhanded is that??? Reps were rude and supervisors were worse when I called two times to investigate and then confirm this, as I couldn't really believe it could be the case ( except the rep that admitted the fee was not really appropriate - so clearly they get this A LOT ). I really can not believe that XXXX would fight customers so hard over a silly fee and hurt their reputation so badly. If they need {$59.00} fee income, you should worry about their viability as a bank, not to mention their ethics. And I can not believe that this day and age a bank would engage in this practice that is clearly designed to trick customers. Oh and there is no proration of the fee.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit card

Sometime between XXXX 2023, I returned a defected item previously purchased in excess of {$500.00} viz a XXXX XXXX XXXX. The warehouse informed me that there was a no return policy. I informed them that no business is allowed via the law to sale any customer a defective item. I also explained that my daughter received a laceration across her arm in regards to this defected item. They i.e. Rooms to Go in representation of Synchrony Bank refused to adhere to my consumers right. 

Thereafter, I made a formal complaint with Rooms to Go and moreso, Synchrony Bank. I was informed I will receive a call from someone correcting this issue. I have yet to receive a dispute let alone a concerning call from these institutions. 

Instead Synchrony Bank continued to charge me excessive fee 's upon my account, lower my credit limit and subsequently closed my account due to the failure of its business partner to adhere to legal perspective and its own policy in light of the above issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires are not mine and they wont remove them Collections Inquiries Public Records Personal Info Overview Your Overview XXXX XXXX Based on XXXX XXXX XXXX Open Accounts XXXX Total Late Payments XXXX Accounts in Collections XXXX Inquiries ( last 2 years ) XXXX Age of Credit 4 Years 3 Months XXXX XXXXXXXX XXXX XXXX ( Stay below ) XXXX XXXX Total Debt {$11000.00} Credit Card {$8600.00} Installment {$2700.00} Credit Card Installment Tap category for details Having a low debt balance relative to your available credit signals to lenders you're more likely to make on-time payments. 

Accounts XXXX Reminder : If you've made a recent payment to XXXX of your accounts, it can sometimes take up to XXXX weeks for it to reflect in your report. 

XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX Late Last Updated : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX Current Last Updated : XX/XX/XXXX {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Last Updated : XX/XX/XXXX {$1600.00} XXXX XXXX XXXXXXXX Account Closed Last Updated : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account Closed XXXX Updated : XX/XX/XXXX Installment {$1700.00} XXXX  XXXX Current Last Updated : XX/XX/XXXX {$1000.00} XXXX XXXX Current Last Updated : XX/XX/XXXX Collections There are no collections to report. 

Inquiries XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX
Product: Mortgage

I contacted Penny Mac on XX/XX/XXXX about my payment of {$2400.00} which was reversed on XX/XX/XXXX because I received an assistance loan from the XXXX  XXXX in the amount of {$13000.00} which covered from XX/XX/XXXX thru XX/XX/XXXX. I have contacted PennyMac several times inquire about where my payment is that I made on {$2400.00} which has seemed to vanish into thin air. I was sent info saying it was in suspense ( as of XX/XX/XXXX it is not in suspense and only showed in suspense on XX/XX/XXXX ) and would be applied to my XXXX payment now I am being told it cant be because I am in Bankruptcy. My Trustee sends in payments all the time that go to suspense and gets applied to my loan eventually so that made no since for the rep to say that especially when my money wasnt in suspense. I called on yesterday I was also told their system says my next payment is not due until XXXX and the money was applied to my account. I told the rep I could not see it and she said give it a couple of days then I get a message later in the afternoon saying something totally different. Either PennyMac mismanaged the funds provided by the state or they are trying to rob me. I want my money applied to my XXXX payment or refunded back.
Product: Checking or savings account

I opened a Citi Priority Account in XX/XX/2019 after seeing an advertisement that stated a {$700.00} bonus if you opened a savings account along with a checking account in the amount of {$50000.00} and left it in the account for the duration of the promotion. I spoke with a bank representative named XXXX at the XXXX Calif. branch and he assured me that the promotion was in fact as specified in the advertisement. After meeting the qualifications for the {$700.00} bonus Citi credited my account only {$600.00}. I tried reaching out to XXXX at the branch to see why I only received {$600.00} instead of the {$700.00} that was what we had discussed when opening the account but he would not return my call. I reached out to other representatives at other branches who said they would help but never heard back from them. At no time did I receive or even seen an advertisement that stated a Citi Priority bonus of {$600.00} instead of {$700.00}. I am still seeing and have a picture on my phone that states a Priority account bonus of {$700.00}. Where did my {$100.00} go?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$11000.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card

Bank of America provided no warning, written via telephone nor via email though in full possession of those facts about the expiration of an offer. In point of fact in violation of the Fair Credit Reporting Act have forced me into a negative option.
Product: Debt collection

i paid off a debt for DNF and need it removed off my account.
Product: Credit reporting or other personal consumer reports

Equivalent experience and transition has been reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX. 

I request that my name be updated to reflect the correct information. 


XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : 1971 My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 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 items of information, other than records of convictions of crimes which antidotes 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 card or prepaid card

BofA ended my automatic bill payment, unclear why, which has been steadfast since the inception of this account. I always pay in full and I always pay on time! They claim I did it myself. The only way this could have append is they have made there website so confusing that it is impossible for a normal person to navigate safely. I had zero intention of end the payment system. I got no notification of this horrible thing when it happened to boot. BofA is the responsible party. They pushed this on me in the beginning and it malfunctioned. All I want from them to put the $ XXXX back on my account. And help get this ridiculous payment thing set back up again ; since the software took off and deleted it. Its a small ask considering the misery their software and bank people have put me through. 


Bank of America XXXX XXXX XXXX MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX