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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019 1STPROGRESSXXXX reported on my credit for the amount of {$140.00}. They are unable to collect a debt or report to credit due to not been licensing or having a bond in the state of TN!
Product: Credit reporting or other personal consumer reports

Flagstar Bank wrongful credit delinquency on XXXX on XX/XX/year>. I accessed the archives of Flagstar.com showing proof of the disabled website. Please see attached.
Product: Vehicle loan or lease

My car is totaled direct auto paid car value minus the deductible I also have gap insurance thru XXXX XXXX they paid XXXX toward my deductible so I only owe XXXX XXXX how ever the car was sold with XXXX dents they or tryna make me pay for that on top of my XXXX XXXX dollar deductible they or still sending me car payments when they have been paid out they want let me pay my XXXX XXXX dollar deductible and they or tryna collect interest off the deductible
Product: Credit reporting or other personal consumer reports

I have never authorized these company to make and hard inquire on my credit. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Product: Checking or savings account

On XX/XX/23 I sent {$130.00} to a bird breeder that turned out to be fraudulent. On XX/XX/23 I sent {$50.00} for 'trackable shipping ' which was fraudulent. On XX/XX/23 I sent {$150.00} for a XXXX  visit that was fraudulent. When I attempted to resolve the issue, the breeder verbally abused me and blocked me. I opened three separate disputes, each had a ~10-page report detailing every action taken by the fraudulent breeder and myself. 

PNC declined all three of my disputes. I called to request what information they had used in making this decision and was told that my emails with my reports had been received. 

PNC does not believe I was defrauded because I gave the fake breeder my real information. I asked if I bought a shirt from a website, and then that website disappeared and my shirt never arrived. Would PNC help me in that instance? I was told no, they would not. 

As a member of PNC before PNC was known as PNC, I am rethinking my decades-old membership with them. I do not trust them with my money. I was also encouraged by a PNC agent to open the disputes and told that I would 'probably win '. 

If PNC can not support a customer of XXXX years on {$340.00} I certainly would not trust them with a loan or any other service. I will be changing banks. 

I have requested that I want the CFPB to publish this description of my experience with PNC on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Hello, I have first reported the problem of not receiving the {$200.00} statement credit that was offered when opening the Synchrony XXXX XXXX credit card. I have messaged them XXXX, XXXX and XXXX. They keep on saying they will forward it to the appropriate department but ZERO updates was given. I have provided them with the screenshot of the offer and ZERO progress is being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about contradictory information on my Experian Credit Report. 
On one page of my report it clearly states that I have an Exceptional payment history. ( See attachment # 1 ).

On the page that explains what factors affect my credit score, it states that I have two factors that are negatively affecting my score, the first one being : Few accounts paid on time. ( See attachment # 2 ). 
How can that be possible? 
I have tried on several occasions to discuss this issue on the phone with Experian employees ( including 2 supervisors ) in their customer service department. My efforts to correct this issue have been met with double talk, circular conversations and a complete inability to understand how these two pieces of information are  contradictory. Not to mention indifference and an absolute lack of any willingness to help correct the issue. 
The first supervisor I spoke with agreed that the information was contradictory and promised to have the Few accounts paid on time removed from my report. His name was XXXX. He gave me his extension number ( ext XXXX ) and told me to call him directly to follow up with any questions. Since the Experian telephone system does not provide the ability to dial an extension directly, I asked the other three Experian customer service people I spoke with to dial his extension for me. They flatly refused.
Product: Credit card

On XX/XX/XXXX, I made a purchase at XXXX on my Citi Double Cash card. A few days prior to making this purchase, I enrolled via Citi 's portal in an offer for cashback at that retailer as part of " Citi Merchant Offers ''. The offer was for " 8 % back when you shop with your linked card at XXXX XXXX  ] and spend a minimum of {$250.00} '' and the offer expired XX/XX/XXXX. The amount I spent was approximately {$470.00} and appeared on my statement as " XXXX XXXX XXXX 

I waited about XXXX weeks and after seeing no statement credit for the promised 8 %, I called Citi on XX/XX/XXXX. After explaining my situation to the representative, they informed me I would need to make a " rewards dispute ''. I clarified I did not want to dispute a transaction, nor the rewards points earned, but that my issue was with a " Citi Merchant Offer ''. They insisted this was the path to take, so I did so. They said I would hear from them in about XXXX days. 

After waiting an additional XXXX weeks and receiving no communication, on XX/XX/XXXX I called Citi again and explained the same issue. The representative informed me there was no record of a prior " rewards dispute '' but that I needed to submit XXXX again. I insisted there was XXXX, but they said they couldn't find it. I submitted a new rewards dispute and asked for a confirmation number, but they said there was none. Frustrated, I insisted I receive some sort of confirmation before hanging up given that I had already done this once. At that point they said they had located my prior dispute but that it had not been acted on. I told them I expected a response in 14 days. 

Shortly thereafter I received a letter from what I assume was my initial call, indicating that the correct rewards points were issued for my purchase. This of course was not my issue despite my clear explanation in that vein. Now, a month later, I have received no follow up from my second call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Self account early on XX/XX/XXXX. I paid for it to be expedited out of my account. They waited till the 7th t attempt a withdrawal. They then proceeded to charge me an extra {$15.00}. This fee was never disclosed to me and I was informed that I either pay it or it will negatively affect my credit score. Which I took as a threat. So in my eyes this is now a case of extortion. Pay up or we will ruin your credit. That should be their motto.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is, XXXX is stating they are reporting accurate information to XXXX, XXXX, and TRANSUNION. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As of XX/XX/XXXX all three of my credit reports are reflecting an open/past due account with Midland credit managemen. It states that this account was opened on XX/XX/XXXX and the account balance was updated on XX/XX/XXXX. 0 % has been paid to date. The total past due amount reflects {$750.00}. Ive researched said company with XXXX and it shows NO matches for this collection company.
Product: Credit card

I am a victim of identity theft from a family member with the same name. I have called and reported to the company that the card transactions doesnt belong to me.
Product: Debt collection

cin.bell refused to honor my promotional fee when I moved from my house. I was being charged more than i was before. I tried calling to have this fixed and even filed XXXX complaints with the XXXX. This is not the XXXX time this has happened. the last time I had their service I had to file with the XXXX and that time it was corrected. I continued to pay what i was told while working to get the situation fixed. At that time they were charging me late fees and a higher bill. I had the service shut off in XXXX and returned all equipment. They continued to charge me for another 6 months which i did get fixed and was told I would get the final bill in XX/XX/XXXX Didnt get it till XX/XX/XXXX.and was working on deputing the charges again but now Its on my credit report.They are charging me for a cable they said I did not return which I did. I dont owe this amount they are trying tocollect. I have proof with my billing statements and checks that the billing was inconsistant to what I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine remove it : FCRA violation do you really need to know why : its not good but to have one name data breaches people pretending to be you. 

so remove : XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed onlineXXXX XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed there were accounts reporting in violation of law 15 usc 1681b. Please remove these late payments from my credit report asap.
Product: Payday loan, title loan, or personal loan

Hello, I received an email stating that my account was paid and everything was updated accordingly. I logged into the Avant system to see if it was accurate and to check my options for a new loan if I ever needed it but I wasn't given the option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can find right place to post this. Your web site needs work. I tried to look under resources and tools could not open. Please try your own web site. I want to send this to the people i know, most know nothing about this agency. 
I have alwways been in trouble with collection agencies becaue of medical bills. I pay what i can but it is never enough. I had a CPA tell me they cant charge interest on medical bills. " I said alot you dont know, about how this works. I have been in trouble with a XXXX bill or a XXXX bill all get interest and inpossible to get off. Interest should not be charged. Insane, couldnt afford the bill in the first place, sometimes they are co pays, others they are things my insurance ( at the time ) wouldnt cover. Please this is nuts. Stopr interest on medical bills. ( because it is the right thing to do!!! ) This has caused medical bankrupcies, and is still a problem for year and years. ( becasue my daughter is very ill and now i am old, fiexed income and cant fit them. Ant they dont have to send you a bill, they just put it on there. Crazy.

Change a rule about interest. and fix your web site, I woudl be courious to know what is in the tools.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2024, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Payday loan, title loan, or personal loan

Made a payment XX/XX/XXXX for {$480.00} told I had to make at least one payment.

I had been to them two weeks before and told they couldn't take a {$100.00} payment. 

XX/XX/XXXX paid {$150.00}. 
XX/XX/XXXX paid {$400.00} ( on the app ). 
XX/XX/XXXX paid {$110.00} ( on the app ) XX/XX/XXXX paid {$84.00} ( on the app ) I borrowed {$800.00} on XX/XX/XXXX to take care of excessive utility bills. 
I borrowed {$500.00} on XX/XX/XXXX and then {$1500.00} on XX/XX/XXXX. 

It appeared to be regular interest. Yes, I signed on the computer but didn't know about excessive fees. These loans are not meant to be paid off and trapped the consumer. I didn't have money to go to the grocery store because the manager told me they had to have a full payment. Now this Coronavirus stuff is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card statement cut saying I had a minimum payment due of {$38.00} on XX/XX/XXXX. 

After that statement cut, on the same day, I paid the {$38.00} payment, dated XX/XX/XXXX. 

Today, XX/XX/XXXX, I see that I was charged a {$37.00} late fee, and my account is " Past due '' because they did not receive a payment by XX/XX/XXXX. However, there was a payment on XX/XX/XXXX AFTER the statement was available ( That's how I knew the amount, and clicked " Payments '' -> '' Minimum Amount Due '' -> '' {$38.00} '' ->Pay ). 


In a panic of the late payment notification, I made a payment for {$110.00}. After going back and looking through my statements, I realized I DID make the payment and was wrongfully charged. 

After escalating to a supervisor, Wells Fargo essentially told me that if I " wouldn't have made a payment on my statement date, ( I ) wouldn't have this problem ''. WHAT? What kind of credit card company doesn't encourage payments? 

I have credit card accounts at every other bank, and I always make payments on the statement date. I believe this is deceptive and not in consumers ' best interests to be charged fees and be marked " past due '' when the reality is the payment was made about as " on time '' as you can get. I've been a Wells Fargo customer ( deposit ) since XX/XX/XXXX, and I'm planning on ending that relationship over a mere {$37.00} and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd Complaint about the negligence of the Experian Credit Bureau and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want the Experian Credit Bureau to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiry on XX/XX/XXXX by XXXXVeterans United Home - was looking into buying house with my boyfriend, but we are not married so the loan was only put under his name when we found a house. I am unsure why they needed my credit score when the VA was aware that we were not married. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 

We have been looking into buying a house and started looking in XX/XX/XXXX, my boyfriend purchase the house in XXXX but I am not on the loan. I would like these inquiries disputed from my credit report as it is effecting myself from being able to apply for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. The immediate removal of these fraudulent items from my credit report. I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX