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

I monitor my credit burea u FICO scores thru my credit card companies. My FICO score for the last year has been in the vicinity of   XXXX  XXXX , last month it finally raised to  XXXX  this increase coincides with an increase at  XXXX  of the other credit bureaus. Today I received notice from my credit card company of a change in my  FICO score with Trans Union and viewed it. My FICO sc ore dropped  XXXX  points to  XXXX  from  XXXX  I contacted  Trans Union and  spoke to a representative named  XXXX  employee #  XXXX . After speaking to her it was determined that there was no negative changes or other changes from last months report or any changes for the last several months I wanted to know why the drastic drop. She sited a delinquency from  XXXX    XXXX   that will stay on my report for 7 years. I explained that that has been on my report for over 2 years now and the effect over time diminishes with no other changes on the report and should put me in a more positive position regarding my FICO score. After no reasonable explanation of the drastic change I requested who I can contact to make a complaint regarding the poor reporting and poor customer service. It is my understanding and belief that th e FICO score cur rently reported to myself is incorrect and improper and should be corrected to the higher amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, Experian, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter out XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX  ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Product: Credit card or prepaid card

The first thing that happened was I received a letter on XXXX from XXXX XXXX XXXX. This is evidently a collection agency trying to collect a debt for a Bank of America card in the amount of {$1300.00}. I spoke with a XXXX XXXX at XXXX and we went over all the information he was able to give me about the charges on the card. He said the card was opened on XXXX and closed on XXXX. I never applied for the card, never received a card, never got a billing statement or any correspondence from Bank of America nor an email. These are not my charges nor my account. I didn't know the account number until I called XXXX XXXX and he gave it to me so I could further the investigation. This collection letter is the first I've heard anything regarding this issue.
Product: Credit reporting

There are XXXX XXXX accounts listed on my credit report on which I was an authorized user in the past. I'm no longer an authorized user and I have requested XXXX to remove these accounts from my file since they do not belong to me. They keep reporting the account as Closed/Paid/Zero Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax letting them know that there is an unknown account reporting to my credit without any creditor or collector identifying information. 

There is no name, address, or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my wife and I were not working so we asked BB & T for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that BB & T would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if BB & T was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

BB & T is saying we paid XX/XX/2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent info on my credit report
Product: Checking or savings account

On XX/XX/2024 I deposited a bank check for {$5000.00} which was from a XXXX disbursement into the BOA freestanding ATM in XXXX, MA. 
The screen said please confirm your check for {$5000.00} .... I selected " confirm '' .... the machine went black, gave me my card back and took my check. 
BOA has confirmed that XXXX has serviced this Machine and I have personally seen them there twice, while driving by. 
BOA tells me I must wait 10 business days .... which will bring the satisfaction date to XX/XX/2024. 
If this is the case, it will take 2-3 days for my bill payments to process ( even electronically ) which then brings it to the XXXX of XXXX XXXX and processing even longer. 
I've been with BOA for 27 years. This is Completely Unacceptable!! They filed an escalation after 3 phone calls yesterday .... and the Branch Manager in XXXX XXXX says I still must wait 48 hours.
Product: Credit reporting or other personal consumer reports

I sent XXXX, XXXX, Equifax, dispute letters requesting that they fix the errors or delete them because of the information I found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it
Product: Credit card

I have Capital One as my default credit card for the automatic monthly charges for my family gym membership. My gym payment is due every XXXX of the month and even thought my credit card expires in XX/XX/year> it stopped working, already. I called capital one when I tried to buy an item online and my credit card didn't work, I talked to a lady on Capital One and she said my card stopped working because they have sent me a new card. I told her i have not received it and they should re-activate the current one since the expiration date is until XX/XX/year>. She said i might be received in the next few days. Meanwhile my gym is charging me {$15.00} dlls fee for every member that the card was declined, so far I owe my gym {$45.00} ( for me, my husband and one of my sons ) because the card is not working. This is the card that i used as default for most of my automatic payments. So far i know my gym is requesting {$45.00} for card not going through. My credit card is paid in full every single time. They have no right to interrupt it. 

I need your help please
Product: Credit reporting

On are around XXXX/XXXX/XXXX I filed a dispute with Equifax Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX XXXX, XXXX I send another letter certified to Equifax ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX I have not received any thing from Equifax. I will mail all supporting documents
Product: Debt collection

Mail fraud letters look real but the promises are fake. 
1.Lots of call when am working.

2.Lying about boosting my credit if I paid.

3. Lying about removing lien derrogation There email is Atlantic Recovery Solutions
Product: Debt collection

I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report it was brung to my attention i have a account with XXXX upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Equifax has violated many of my federally protected rights. 

Equifax Is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to Direct Violation of 15 USC 1666B and 15 USC 6802 please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Product: Credit reporting or other personal consumer reports

I am formally disputing the above-referenced Santander account on my credit report. I have submitted multiple dispute letters over the past five months, requesting that Santander provide validation of this debt or correct the reporting errors. Despite these repeated requests, they have failed to provide any validation within the legally mandated 30-day period as specified by the Fair Credit Reporting Act ( FCRA ).

As Santander has not verified this debt within the required timeframe, this account must be immediately deleted per FCRA 611 ( a ) ( 5 ) ( A ). 

Errors Identified Illogical Reporting Dates : The Start Date is reported as XX/XX/XXXX, which is a future date. This is factually impossible. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
Contradictory Payment Status : The account shows a XXXX balance and is marked as Closed, yet it simultaneously reports as Late 30 Days. 
Error : A closed account with a XXXX balance can not have a late payment status. 
Violation : FCRA XXXX ( b ) Inaccurate and misleading reporting. 
Inconsistent Last Activity Dates : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : These discrepancies demonstrate a failure to ensure accurate reporting across bureaus. 
Violation : FCRA XXXX ( b ) Failure to ensure consistency and accuracy. 
Failure to Validate Debt : Despite multiple disputes over five months, Santander has not provided any documentation validating this debt. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Requires verification within 30 days. Santander has exceeded this timeframe.

Specific FCRA Violations Failure to Investigate Disputed Information FCRA 611 ( a ) ( 1 ) ( A ) Creditors must investigate and validate disputed information within 30 days. Santander has not complied with this requirement.

Failure to Delete Unverified Information FCRA 611 ( a ) ( 5 ) ( A ) When a creditor can not verify disputed information within 30 days, the account must be deleted. This account remains on my report despite no validation.

Failure to Ensure Maximum Possible Accuracy FCRA 607 ( b ) Creditors and bureaus must ensure the information they report is accurate and up-to-date. The errors in dates, payment status, and last activity violate this requirement.
Product: Vehicle loan or lease

I applied for an auto loan and relieved a check in my name to buy the car. I found a truck I liked which ended up being a lemon, The loan was never returned and was left to me during covid. The original rate on the truth in lending statement was at 7.19 % which was an affordable payment. 

After 6 months There was no title to be sent in as collateral they then changed the interest rate to 18 % making it ver unaffordable to continue paying this back. The payment used to be XXXX then jumped to XXXX. I payed this for the last XXXX years and the loan has not moved an inch but as a matter of fact gotten worse with having to defer payments and push them to the back of the loan. this has been nothing but a nightmare ruining my credit. 

The loan is still currently being reported to my credit as an auto loan but there is no auto. because of this no bank will approve me for a car to even find a job. the Interest rate increase made it impossible to keep up with. 

I have contacted Navy federal they refuse to help me they do not want to lower the rate they refuse to alter the loan toa personal and inorder to settle they want me to come up with XXXX right away and give me a XXXXXXXX XXXX plan of 12 months to remain paying additional XXXX / XXXX  month XXXX per month IMPOSSIBLE
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result of this breach, fraudulent accounts and inquiries have been associated with my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account and inquiries from my credit report : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB'sfindings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies, comments and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Product: Credit card

I routinely pay my myBestBuy credit card through Citibank in full. Occasionally, I try to make payments in advance of the next billing cycle. This is the only credit card I have ever had that refuses to let me do so, telling me that I 'm not allowed to make any more payments at this time. The ability to send a payment is literally blocked. I just was just charged interest on purchases on XX/XX/XXXX, despite not having financed anything, as far I can tell. It is suspicious that the system keeps clients from making payments. I ca n't even tell if I am going to be subject to finance charges. I want this charge refunded.
Product: Credit reporting or other personal consumer reports

I went into XXXX to cash a check back in XXXX they were unable to cash my check because XXXX the company XXXX uses for their financial services says that there was a problem with my Social Security number so thats what I order my check systems report and they said that my Social Security number was not of issuance until XXXX but I was issued the number in XXXX because thats what I was born. I double check with the Social Security office indeed my Social Security number was correct and therefore check system is wrong. They have yet to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.
Product: Credit reporting

I submitted a certified letter to Trans Union on XXXX/XXXX/16 in reference to XXXX XXXX XXXX placing a derogatory mark on my credit report. I requested proof barring my signature from the original creditor from when I opened this installment loan and if those documents could not be provided/verified in a timely matter that account should be removed from my credit report ... Trans union sent no such documents but that derogatory mark still remains on my credit report..
Product: Debt collection

I have received two texts from XXXX XXXX about a debt from Jefferson capital systems. I have never had any contact with this company and dont believe I have a debt with them as the first text was addressed to XXXX  and my name is XXXX XXXX I wanted to report this to document the error but also prevent this affecting my credit in the event someone has stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use credit karma to monitor my credit. I know that XXXX of their partners is XXXX XXXX. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from XXXX XXXX in my email. I didnt no apply for any of their products. I didnt not authorize Credit Karma to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.
Product: Debt collection

Amount is incorrect. Rental company has changed and payment records are incorrect.