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

XXXX XXXX XXXX XXXX : Have been going back and forth with company for months. Stopped a few months because I gave up. Recently have tried again the beginning of this month. XXXX XXXX XXXX XXXX is on my credit report twice with the same account number, but have different amounts, dates opened dont match and balance do not match which is against the FCRA XXXX Please see and compare both screenshots with the same account number listed twice but different information ( SEE SCREENSHOT ATTACHED ) AD ASTRA RECOVERY : Account status is listed as OPEN on a supposed-to-be collection account under XXXX and XXXX, but closed XXXX XXXX. Also reporting a slightly different balance. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX  : XXXX listing as OPEN on a collection account, listing closed on XXXX. Accounting not reporting 100 % accurate across both reporting bureaus. This is against the FCRA. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX : THIS COMPANY IS NOT REPORTING THE SAME INFO ACROSS EACH REPORTING CREDIT BUREAU AND LISTING ACCOUNT OPEN WHEN IN COLLECTIONS AND ACCOUNT NUMBER DOES NOT MATCH UNDER XXXX. THIS IS NOT FCRA COMPLIANT ( SEE SCREENSHOT ATTACHED )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX/ last update XX/XX/XXXX bought the {$170.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) from this other collection co : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION : this alleged account has been past from one COLLECTION co 's to another for the last 7 to 8 years I have never had an account with XXXX XXXX nor have I never received and invoice on what the XXXX is for or any breakdown- I have been pushed to the max and will start treatment theses COLLECTION Co as a Hostile attacks on my personal Character and my personal financial goals - as of yesterday I receive notice from two Credit cards- that I have had open with great out standing credit starting from XX/XX/XXXX : this notice was that my FICA had falling over night fromXXXX to XXXX nothing has changed on my credit reports from all three over the last year - XXXX XXXX XXXX has been calling for 6 /7 months I have informed them to cease and assist- however they continue to call and view my reports on all three credit reporting co. every month as XXXX was the primary reporter by my Credit cards I called then and pulled my report - I asked them why did my FICA dropped 100 point over night - the person XXXX said I can tell you that without you payment money first- I said what this was a Negv report and they should give me every thing that has cursed my FICA to fall 100 point instead of helping me Collection companies can report anything they want there's nothing I can do about it- but he will be happy to file a dispute I told him I have filed many disputed about this account and it gets sold off to a new CO and it start all over again theses actions are considered bad faith and Federal intervention should be taking : I could pay this at any time but I will never give in to theses Fraudulent COLLECTION co 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and reported all the companies showing up on my credit report. I have contacted them and tried to resolve the false fraud being reported to my credit report, effecting my score. These places have already violated my consumer rights and sold my information to 3rd Parties. Nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an accident. capital one has put a late on my credit report. I spoke with them multiple times before and after. I was told my car is being paid off from my accident. Please call by this date in XXXX of 2023 to make sure there is no amount still owed on the car to not have a late on your credit. I called on the date I was told to and told to pay directly through my account not a card just to make sure payment goes through on time. My very last amount that insurance didnt cover. The late is on my credit and its stopping me from buying a home. I need this fixed please. Capital One doesnt do what they say and they are very rude about it.
Product: Credit card or prepaid card

XX/XX/XXXX CREDIT CARD FRAUD CLAIM XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED XXXX XXXX   ISSUED Reps claim credits given on XX/XX/XXXX Statement which says TOTAL PAYMENTS AND CREDITS for this period {$400.00}. XX/XX/XXXX Adjustment Purchases CREDIT {$190.00} lists on front page with my payment of {$200.00} and XXXX XXXX THIS TOTALS {$400.00} AND ** IS ALL CREDITS and payments for this period The XXXX Adjustment Purchases {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER APPLIED Where are the permanet USAA credits of {$470.00} this letter says were issued BUT NEVER APPLIED? 
Why the New Purchase Adjustment Purchases XX/XX/XXXX {$190.00} and why?
Product: Credit card

I had set up automatic payments with USAA to get my account caught up. After payment arrangements had been made I had the ability to pay off my credit card account, of which I did. I had called to stop the automatic payments ; however, they did n't stop. USAA is claiming I owe them for the NSF fees and automatic payments that did n't go through, even though the credit card had been paid off and had a balance of {$0.00}. After speaking with the dispute resolution team and providing the documentation of payoff, the representative I spoke with still insisted to not listen to what I was trying to say. To say that I had tried to stop automatic payments and tell me that the account rightfully had a balance, even if the card had been paid off and payments on an account that had a {$0.00} balance had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I am referring to the following accounts : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$18000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$560.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$99.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before concerning an account for that I requested proper validation and verification from XXXX saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. XXXX is the second company trying to force a claim upon my person from this previously disputed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a line of credit of {$4000.00} from Synchrony Bank ( XXXX ). I used the card for purchase two years ago. I have been making payments, and the balance is remaining {$350.00}. Suddenly, synchrony bank drastically reduced the credit line from {$4000.00} - {$350.00} and reported that I have a new usage of 96.29 %, which is wrong. When you subtract the {$4000.00} - {$350.00} I owed, it should have been XXXX remaining on the card. Since Synchrony chose to reduce the credit limit, why did the bank report that I used 96.29 % of the credit limit? This kind of reporting is very unfair and deceitful. I want them to report the correct usage because it is very unfair. Besides, i contacted the Bank on XX/XX/22 at around XXXX central time, the customer service personnel refused to resolve the matter. I offered to talk to a manager, the representative Hung-up phone on me. I have attached the evidence of the report i collected from " XXXX '' herein.
Product: Credit reporting or other personal consumer reports

Horrible business practices by EquifaxXX/XX/2024- Sent all hard copy Minor Credit Freeze documents to Equifax via standard mail as they requested to implement my minor daughter 's credit freeze ( including my daughter 's birth certificate, my drivers license, completed Equifax Minor Credit Freeze form, etc. ) They do not allow email or other electronic submission. 

XX/XX/2024 - Received letter from Equifax stating they couldn't complete request due to missing items ( didn't say what specifically was missing ) along with another request for the exact same items previously sent. Re-sent the exact same items via standard mail as requested again. 

XX/XX/2024- Received another letter from Equifax stating they couldn't complete request due to missing items ( they again didn't say what specifically was missing ) along with another request for the exact same items previously sent. I then called Equifax to clarify what was needed and was told they actually did have all of the required docs and they stated " the freeze has now been added. '' They then said they were having a technical issue that was preventing a confirmation number from generating, but reassured me that the freeze did go thru. 

XX/XX/XXXXXX/XX/24 - Received a Child Credit Alert from Equifax via ID Watchdog with an XX/XX/24 alert date. Called Equifax to determine what prompted the alert and was told my daughter 's credit was not frozen as promised/confirmed. They then stated all of my documentation was expired and I would have to mail in all new copies of everything in order to reauthorize myself then call back a couple of weeks later before they would speak to me. In the meantime they still have not explained what prompted them to issue the Child Credit Alert for my daughter. 

This is ridiculous, especially considering the Minor Credit Freeze process only took me about 10 minutes online with both XXXX and XXXX in XX/XX/2024. While Equifax has made this process unnecessarily long/complicated and also made false confirmations over the past 6 months, they have unnecessarily put my child 's credit at risk.
Product: Debt collection

CONSERVE # XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they ahve notified please provide " Certified Mail Receipt ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Product: Debt collection

Sunrise credit is reporting a debt on my consumer report for {$250.00} AND THE ONLY ACCOUNT NUMBERS LISTED ON THE REPORT ARE- ( XXXX XXXX ). This debt has yet to be validated or verified and has been reporting on my consumer report. This is a violation of the FCRA and FDCPA. I HAVE NOT RECIEVED ANY PAPERWORK FOR THIS UNKNOWN INACCURATE DEBT. ( I DEMAND THAT THIS DEBT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY ) SINCE THIS DEBT IS STILL REPORTING ON MY CONSUMER REPORT, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING AND THE FDCPA FOR NOT VALIDATING THE DEBT AND NOT VERIFING IT ALSO. I WILL BE TAKING ACTION AGAINST SUNRISE CREDIT IMMEDIATELY WHIN 2 WEEKS OF THIS COMPLAINT. I DO NOT NEED ANY EXPLANATION OF WHY YOU ARE COLLECTING, WHO YOU ARE COLLECTING FOR, IF YOU THINK ITS VALID AND ACCURATE.DELETE THE ACCOUNT IMMEDIATELY OR MY CONSUMER ATTORNEY WILL TALK TO SUNRISE CREDIT BECAUSE YOUR NAME IS ON THE REPORT.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account immediately.
Product: Debt collection

XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. 

It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.
Product: Mortgage

I was scheduled to close on a house on XXXX/XXXX/16. I signed all the closing documents and paid my closing cost with a cashier 's check ( I have copies of all my signed closing documents already ). As the title company tried to fund the closing they discovered they could n't because JP Morgan Chase did not send the CD to complete closing despite the countless calls and emails from both attorneys. Now I 'm out of my closing cost with no house, I 'm staying in hotels which is costing me more money, taking days off work for nothing at all and all Chase is doing is coming up with false excuses as to why this happened and has still not sent the CD which all parties are frantically awaiting. PLEASE, PLEASE, PLEASE, if you can help get this resolved so this close can happen very very soon, I, the seller, the attorney 's, WE ALL would be so very greatful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX and Experian are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft  report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my Experian credit report when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX/XXXX XXXX XXXX   representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/Bank of Missouri on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus.
Product: Mortgage

We have had ongoing issues requesting payoffs from PNC. It takes days, and many requests need to be submitted various times. On the last loan, we sent in 4 requests over a 15 day period only to then to be  told that our Borrower 's Authorization document was over 30 days  old and our request was being denied. ( we had a previous payoff from XX/XX/XXXX so they knew we had authorization ) No one informed us of this until I called in and made a verbal request today ( XX/XX/XXXX ). 

This is absolutely unacceptable. We do not have this issue with other lenders. Most payoffs can be easily requested either online or via phone. Of course you need pertinent borrower information, which we already have since we have their new loan in process. 

I can't help but think this practice is an effort to make payoff more difficult for clients.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a serious issue regarding fraudulent and unauthorized credit hard inquiries that have been placed on my credit report with all three major credit bureaus. While XXXX has appropriately removed these inquiries from my account, TransUnion and XXXX have failed to do so, despite multiple disputes. These inquiries were not authorized by me, and their continued presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), which governs the permissible purposes for which a consumer report can be obtained. Since these hard inquiries were not authorized, they should not appear on my credit report. I have followed the proper dispute process as outlined in 15 U.S.C. 1681i, yet TransUnion and XXXX have not corrected or removed these inaccuracies from my credit report. Their failure to address this issue promptly is not only frustrating but also a potential violation of my rights under the FCRA. Additionally, under 15 U.S.C. 1681n and 1681o, there is a provision for civil liability for willful and negligent noncompliance with the FCRA. I believe that the inaction by TransUnion and XXXX in this matter may constitute willful noncompliance, and I am considering pursuing this further if the issue is not resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've accepted an american credit card offer, after reading the terms, i was certain that XXXX XXXX XXXX XXXX were eligible to have their annual fee waived. When the annual fee kicked in in XX/XX/2023, i sent in a second application for my military benefits. I've never received any email confirming nor deniying my request. I called customer service multiple times, and each time they would tell me a different story and none of them could help .i ended up closing my account in XXXX for lack of transparency, but amex still want me to pay their XXXX $ annual fee and do not want to honnor their offer to an XXXX XXXX XXXX
Product: Debt collection

I sent a letter to Commonwealth Financial in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you