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

My husband and I filed a dispute with Equifax and XXXX about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : Bankruptcy XXXX XXXX, 2011 {$0.00} Discharged XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, 2011 Classification Bankruptcy Type Individual Responsibility Joint
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer Id XXXX A XXXX XXXXXXXX credit card fraud I was impacted by the XXXX breach and also I been a victim of identifying theft from XXXX to XXXX my identity was stolen and was to open XXXX bank accounts and checking writing as well So I find out around XXXX that my identity was been used to open all kind of accounts and that my ssn was in the XXXX breach so I put an credit lock on all my credit reports agents. But before the credit lock I spent a lot of money tryna to fix my credit report from fraud and still Wasnt able to fix my credit report and. The person which is using my identity has about of inquires on my XXXX  and consumer report that I will like to dispute all inquires on my report and in will like all this credit accounts that on my credit report to be removed please and I will like also to dispute my XXXX report since its do to fraud so I can be able to open an checking account If the future this my name XXXX XXXX XXXX XXXX can be reach at XXXX cell. XXXX cell Email XXXX. XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX SEND THE COP TO MY HOME THREAT TO TAKE ME TO COURT.TRING TO SUE ME FOR A CREDIT CARD THAT I NEVER HAD.SOME ONE ELS OPEN A CREDIT CARD IN MY NAME.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX cm - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX C - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded report.
Product: Debt collection

It was a loan now its paid in full. 
I have talk to Costmer Service about remove off credit report.

She said a month ago it will be remove with in 3 business days.

It still showing the loan is open on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted On-site which is a screening company for an apartment I applied at. After disputing inaccurate information and On-Site removed the information to reflect the correct info. Then Onsite went back and changed the information that was completely inaccurate to something that was grossly inaccurate. The information they provided to the apartment, was even worse than it was before when they have the original report. I have copies of all the reports and they all state something very different. They have clearly and negligently proved erroneous and false information which is in direct violation of federal guidelines set forth by FCRA. I have contacted my attorney and asked that he file claim against On-site for defamation, fraud and negligence. I spoke to a rep who could n't explain or justify why they proved inaccurate information about me to a potential landlord. Then I asked them why when they changed the information they did not provide me 5 days notice which federal guidelines dictates they are required to do under the FCRA. The rep stated they need to verify and that 's why they went back and changed the info. When I stated that it should have been verified before changing my report to reflect the right info before, the agent got an attitude. I then asked to be transferred to a supervisor and I got hung up on.
Product: Credit card or prepaid card

I currently have a navy federal secured credit card. I have been using my credit card from navy Federal to pay for a car rental from avis. My nfcc has a limit of XXXX and the hold that was placed was approximately XXXX dollars. I can't view on my account on what dates the hold for the rental car was placed not removed. When I asked navy federal why my XXXX dollars disappeared and never returned to my account, I was told I was over my card limit. How is this possible to be over the credit limit/overdrawn when I can only spend what is loaded to my card? My current balance is XXXX. When I made a transfer for XXXX to pay for another rental contract immediately navy federal took XXXX from my transfer. Therefore I only have XXXX in available credit. I spoke with a XXXX  and XXXX and I was not given an answer and neither could provide any dates for my previous holds being removed for the avis deposit. I asked for the manager of the csm to call me back and 72 hours later no manager has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, UT XXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX and birth year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting a 30 day late payment on the XXXX  partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Product: Mortgage

Date is every month that I have a problem with PHH ( XXXX ). I have a loan serviced by PHH. A 15 year loan with 6 more years left. It is paperless billing with PITI info on PHH 's website. The problem is I can never access the website without difficulty. ( i.e. username/password don't match ; of course they do, and, also, I get a notice on PHH 's website that I DO NOT have a loan with PHH, again, of course I do. 
Today is XXXX-19, I called at XXXX XXXX., and have been on hold for 52 minutes ( the call center 'help ' opens XXXX est M-S. 
Every month I go through this, for 9 years. EVERY month. I can not access my billing statement, escrow info balance or monthly payment information. 
I CAN NOT access my account with this company, nor is it easy to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  has listed a past due account for the     XXXX   XXXX    XXXX   XXXX . Per my insurance documentation and the agreed upon of their agreement with th e    XXXX   XXXX    XXXX   XXXX , this bill was paid and my responsibility is {$0.00}.     I emailed th e    XXXX   XXXX    XXXX   XXXX   (   XXXX  XXXX  XXXX  ) on  XXXX   XXXX ,  2017 a nd have not received a response. I also mailed a letter to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017 and h ave not received a response.     Please assist me in having this removed from my credit profile.     Thank you,  XXXX   XXXX .
Product: Debt collection

I sent a request for validation and dispute on XX/XX/2018 by fax. I never received a copy of the original dispute and requested why this was reported to Collections. I have received no response to my first request sent out XX/XX/2018, 30 days has passed, evidence attached. Second time I sent out another request by certified mail on XX/XX/2018 and received only a statement with two pages of the contract and no evidence I owe the debt in question. Sending only a statement with partial information is not proof debt is owed. 
My licensed agent with a POA on file with this company sent by certified mail, called and spoke with a XXXX XXXX and got nothing but yelled at, interrupted and wrongfully accused of arguing about the collection in question. Mr. XXXX could not get his request achieved with a fare answer. Conversation is attached that was recorded by his office.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts and addresses on my credit report. This information is preventing me from attaining my XXXX XXXX XXXX. Please remove this fraudulent information. Thank you. 

Fraudulent Accounts : XXXX Acct Number- XXXX Amount : {$7400.00} XXXXXXXX XXXX Acct Number- XXXX Amount : {$25000.00}
Product: Debt collection

Asked for a debt validation letter they sent me previous account statements nothing with my signature with the original company proving I owe this debt
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts and unauthorized inquiries have been added to my TransUnion credit report. These were not initiated by me. 
Fraudulent 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX SSN : XXXX Date of Birth : XX/XX/year> XXXX XXXX XXXX To : Chex Systems , Inc . 
Attn : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Urgent Request to Remove Security Freeze from Consumer Report Dear ChexSystems XXXX XXXX XXXX  : I am writing to formally request the immediate and permanent removal of the security freeze currently active on my ChexSystems consumer report. 

This request is time-sensitive and necessary to facilitate the completion of a financial application with a federally insured credit union. I respectfully request your expedited attention in removing the freeze. 

Below is my identifying information for verification : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX PIN ( forgot ) Please confirm in writing when the freeze has been removed, or contact me directly if additional documentation or identity verification is required. I am prepared to provide any further information needed to expedite this request. 

Thank you in advance for your prompt assistance. 

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

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this  reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time XXXX  has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 those account 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 reporting or other personal consumer reports

XXXX, XXXX, and Equifax has failed to fulfill there legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX, XXXX, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX, and Equifax inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

To Whom It May Concern, We continue to dispute the validity of the fraud charges that occurred on XX/XX/XXXX. We request that the charges of {$41.00} and {$2100.00} be credited to our current Chase Sapphire account as soon as possible without any punitive actions. 

These charges were reported to Chase Security within minutes of the alert appearing on our mobile device on XX/XX/XXXX. 

On XX/XX/XXXX we received written notice that the fraud charges had again been applied to our Sapphire credit card account for the reason You received benefit from this transaction. Despite the findings of the initial investigation, we have not received any benefit from the merchant XXXX XXXX XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX we have contacted Chase Fraud four times by phone and each time promised a return call in a few days from the investigator or the Escalation Team. We have also been promised a credit of our disputed charges. None of these promises have been fulfilled. 

Respectively,
Product: Credit reporting, credit repair services, or other personal consumer reports

Each credit company have taken a few things off that was fraudulent but not all. Please help me force them to comply by the FCRA block section and block the remaining accounts and inquiries from my reports.
Product: Consumer Loan

I took a loan from speedy cash which i paid in full. and retook another one. on XXXX/XXXX/15 they sent and e-mail saying there was a mistake in the XXXX loans but did n't clarify what it was. i kept e-mailing asking for account status and never received it in an e-mail. they charged my account without my authorization ( i contacted the bank and they reversed it ) they never sent me an account balance, instead they sent it to collection with the wrong amount and they wo n't fix it on my credit report.
Product: Debt collection

I had a credit card go into collections. The company handling it is XXXX. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries on my report from XXXX and after are unauthorized. Im not sure how these are on my report and the lenders dont know either.
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 **** Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$9800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

we issued a check to our vendor XXXX to XXXX. somehow a person took the check and deposited it into their personal account Capital One Bank .... we filed a claim with our bank XXXX  XXXX XXXX and are hoping they can return funds but its not guaranteed.
Product: Debt collection

I was never properly notified of my debt of XXXX. I was only notified once it hit my credit report and I promptly paid it off so I wouldnt damage my score any further. Berlin Wheeler Inc. sent a letter to the wrong address with the wrong name. Berlin Wheeler Inc. stated that on XX/XX/XXXX they sent a letter to my father. On XX/XX/XXXX I was still a service member serving on XXXX XXXX, Ca. I was also told by Berlin Wheeler Inc partner XXXX XXXX that they would contact me via email and it never happened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service ad unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). SPECIFICALLY, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.