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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my   XXXX   Credit Report on  XXXX / XXXX /  XXXX   and noticed a HARD INQUIRY from Comenity XXXX . I did not request or authorize anything from this company. I sent a certified letter on  XXXX / XXXX /  XXXX   (  XXXX   XXXX  to have this removed and I have never received a response and it is still on my credit report. I want this removed.
Product: Credit reporting or other personal consumer reports

XXXX with a balance of XXXX charge off XX/XX/year> sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed.I am requesting the issuance of a XXXX form for the charge-off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and Code XXXX U.S.C. XXXX ( b ), income that has been reported to the IRS via a XXXX can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. This account was taken as a loss when transferred to the a XXXX party XXXX XXXX. I am responsible for filing this account as income on my tax return and it is against the law for a creditor to take a loss and show this as charge off on a consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is lodged against Experian. The only thing that I can even remotely call this violation is " IDENTITY THEFT '' by Experian itself. After I opted out of their Marketing a very long time ago, I received no more junk mail, but today, I received a preapproved credit card and when I spoke to the corporate office of that card company, they provided me with enough information to determine, Experian is distributing my information under the many variations of my name ; even though they have been told those names are not mine and that they refuse to remove from my credit report. The Credit Card displayed XXXX XXXX XXXX which is not my name and neither is any other of the dozen names they display on my credit report. My name is XXXX XXXX XXXX. 

I did not authorize the release of my information and I certainly did not consent to Experian Changing or Altering My name for their marketing purposes, but now I have both physical proof and verification of who gave such information about me to the credit card company within the past three weeks.

I tried one last time to call and speak to a manager or the corporate office but I was given a huge run around once again. 

Experian asked for 60 days to fix their last blunder which is still pending - but this is now related to stealing and altering my Identity for the purpose of unauthorized financial marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE BANK needs to remove late payment history from my records. 
Affecting my ability to get a loan. 
There was a dispute, the loan # XXXX had bank fraud involved with it. 
The loan was corrected, and paid off. Check # XXXX for {$160000.00} XX/XX/2010 was never returned.
Product: Mortgage

I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record.
Product: Credit card or prepaid card

Because I was part of multiple data breaches from credit card and credit reporting bureaus, I have an alert email that now notifies me of changes in my credit. That is how I learned Citi reduced my available credit for a Co-branded card at The Home Depot. When I called Citi to ask about the reduction, I was treated rudely and told that they had no record of communicating the credit line decrease, when I mentioned I believed there was a regulation that required them to communicate those types of changes the representative got ruder. A couple of hours later, I received an email advising me that they closed my account completely. Unbelievable.
Product: Debt collection

Someone stole a check from me and used it at XXXX XXXX XXXX XXXX. The store obviously didnt ask for Id to verify the check belonged to the person because I didnt write the check. I have contacted the business years ago and also disputed it with the collection agency and the credit agency. This is still on my credit report and signature on the check is not even mine. This has affected my credit score for years and its time it be removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable re-investigation 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXXXXXX 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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX I am writing to dispute inaccurate information on my credit report. I recently received a response from XXXX and XXXX XXXX regarding an account that has been reported on my credit file. The information provided by XXXX and XXXXXXXX XXXX does not align with the information reported by XXXX, XXXX, and Experian, and has resulted in discrepancies in the reported dates and amounts associated with the account. 

According to the response from XXXX and XXXX XXXX, they reached out to XXXX and confirmed that the account was assigned to a debt collector and settled for {$800.00}. However, the information provided by XXXX, XXXX, and Experian does not reflect the same settlement amount or date. This inconsistency has significantly impacted my creditworthiness and has the potential to harm my financial standing. 

I am requesting a thorough investigation into this matter and urge XXXX, Experian and XXXX to update the information on my credit report to accurately reflect the settlement and any other relevant details regarding the account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this issue, as it violates the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 

Please find enclosed copies of relevant documentation supporting my dispute, including the response from XXXX and XXXXXXXX XXXX and any other pertinent information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the inaccurate information from my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

We had a loan with Wells Fargo in XXXX. There was money that was owe to us the loan was to combine my mortgage and 2nd mortgage should of been together they wrote it off Wells Fargo XXXX I don't owe it but my mortgage said I do. I put in complaint 2 months in my mortgage and they never respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Experian, have me having an Alias of XXXX XXXX this is my son. I have sent doucments. It still remains
Product: Debt collection

I discovered this collection from my loan officer, as they never sent a letter regarding it. called XXXX to request validation of the debt. Still, I haven't received any documents They damaged my credit without providing proof or allowing me to defend myself.
Product: Checking or savings account

On XX/XX/2022, I received a Fraud Alert from my company XXXX XXXX that a checking account has been opened in my name with Well Fargo Bank. 
I have NEVER dealt with Wells Fargo Bank and I did not open the account in question. 
I contacted XXXX XXXX and they made a conference call with me to Wells Fargo Bank. 
Wells Fargo Bank placed a " Hold '' on the account and reported it as Fraudulent. 
I physically went to a local Wells Fargo Branch office to confirm the " Hold '' and was given the account number which was opened in my name and was told that the account is frozen..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan XXXX XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Debt collection

I wrote a letter to each credit bureau and had it notarized and sent certified mail. The letters were received by XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. The letters requested from the credit bureaus that physical verification of the debt from EOS CCA be collected by the credit bureau and sent to me, verifying the debt per the FCRA. If they do not send the physical verification requested to verify the debt within 30-days, EOS CCA must immediately stop reporting this debt to the credit bureaus. Today is XX/XX/XXXXand EOS CCA has not complied with the demand to send the verification of the debt to me or the credit bureau and has not stopped reporting this debt at any of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After 30days I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission. 

XXXX # XXXX delete account XXXX  Account # XXXX delete account XXXX Account # XXXX delete account Inquiry XXXX XX/XX/20 delete
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the practices of Synchrony Bank with my PayPal credit card. I made a payment on my account on XX/XX/XXXX, and while the payment has been credited to my account, the funds are not available for use until XX/XX/XXXX. This delay, almost a full billing cycle, is unprecedented and unreasonable. 

Synchrony Banks justification for this delay is that it is a normal practice in case I cancel my posted payment, which is not possible. I have never experienced such a problem with any other credit card. This delay has caused significant inconvenience ; for instance, I am unable to pay certain bills because my transactions keep getting declined, even though my balance is {$3.00}. The payment covered the full balance, and the card has a limit that is less than any other card I have, making this extended hold period even more baffling and unjustifiable. 

Additionally, I have encountered issues with using the PayPal credit card at reputable car rental companies like XXXX and XXXX. They informed me that they can not accept this form of payment due to prior issues and the volume of problems they have had with this card. They would not provide any further details. This suggests there may be other questionable practices by Synchrony Bank that are affecting the acceptance of this card. 

When I contacted Synchrony Banks customer support, I was informed, with an unhelpful attitude, that this is standard practice. It is unacceptable and unheard of for a credit card company to withhold credit usage for such an extended period after a payment has been posted. This policy should be clearly communicated to all customers. 

I urge the Consumer Financial Protection Bureau to investigate these practices, understand why these policies exist, and determine what consumer laws can be applied to protect customers like myself from such unfair treatment. Specifically, if a card is paid and the balance is fulfilled, why is the credit not released promptly? 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on 02/26/2023. It has has been 32 since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice.

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated.

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.
Product: Debt collection

1.XXXX XXXX  {$1400.00} -Mountain Run Solutions. XXXX XXXX. 

I keep receiving call asking for payment. I do not own anything through this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

The credit card company is showing my a

ccount as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Product: Credit card

In reviewing my most recent Capitalone statement it came to my attention that, though the beginning balance on my statement was {$5000.00} and I made payments during the statement period totalling {$4400.00} leaving a remaining balance of {$630.00}, I was charged over {$100.00} in interest for that period. I saw on the statement that the amount that was used to calculate the interest was {$5400.00}, which made no sense to me. 
When I called to inquire and ask why the interest was calculated on that amount rather than the {$630.00} that represented the remaining balance, XXXX ( laughing ) told me that the interest is based on the " average daily balance '' inclusive of new purchases? I asked her when this changed as I have had this account and used it regularly for nine months, have always followed the same pattern of paying as I go with this account and have never paid any amount of interest before. Continuing to laugh, she said she would refund the {$100.00} and make a note in the file. I advised her that in all my years of using credit cards, not XXXX company has ever charged interest on new purchases before the statement is even issued. She continued to laugh and I advised her that I would be contacting you with a complaint. She laughed again. I told her I was happy she was having so much fun on her job. I think it 's time to close this account as I have been hearing this company has not been treating consumers fairly. Now that I have had my own experience, I believe it 's a good idea.
Product: Credit reporting or other personal consumer reports

Attached will be a FTC report containing 5 fraudulent accounts in which I know nothing about nor did I sign any agreements with any of these companies that should be immediately removed being these accounts are not reporting correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercantile Adjustment Bureau negligently inserted an inaccurate, unverifiable, erroneous entry on my credit reports. In XX/XX/2021, I obtained a copy of my credit reports and noticed that this company has inserted an entry on my reports. However, I had never received any correspondence from them such as a dunning letter nor have I ever had a conversation with this company. Upon discovering this entry being added to my credit reports, I immediately disputed with Mercantile, ( see attached ). To date, I have not received any correspondence from this company. In my efforts to resolve this error and negligence on their part and to have it removed from my reports, I am requesting this entry be deleted immediately from the fact that Mercantile Adjustment violated my consumer rights. 

The entry on my reports reflect that Mercantile Adjustment reported this entry XX/XX/2021 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account reporting from  XXXX   XXXX  on my Experian  Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.
Product: Bank account or service

I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.