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

My XXXX auto loan was reaffirmed through my bankruptcy, has been paid on time ( 1 late ), is being repo reported as closed derogatory. I have sent these crooks complete documentation over and over and over again.
They only have to look at the report to see account has been reaffirmed and being paid correctly. The bank has se my me written documentation and they still refuse to correct.
I have spoken to the bank and they are reporting Open SATISFACTORY.
TransUnion needs additional fines, they are horrible and have zero QC or control systems or proceedures to be accurate.
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 TRANSUNION 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!

Update the late payments from my consumer reports
Product: Checking or savings account

I signed up with Capital One within the last two weeks and switched my direct deposit to them. My first paycheck with them, I can't access my money because their system is having issues. I understand the issue lies with XXXX, but Capital One has not been the least bit transparent during this ordeal. If they're " working closely '' with them as they claim, they can provide the rest of us with more transparency and updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax not letting me manage my freeze getting following error. 

We are temporarily unable to retrieve the status of your security freeze. Please try again later. 

Does not work after trying again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Medical Data Systems and XXXX XXXX on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from XXXX XXXX even telling me they will delete the negative item from credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent certified mail to XXXX. I have yet to receive any response from this credit reporting agency. The letter I sent included a copy of my driver 's license, FTC Identity theft report, copy of my social security card, copies of bills with proof of address, and letter with items that should not be reporting on my credit report. Based on the identity theft report alone, these items should be deleted. The other reason that these items should be deleted is because XXXX has exceeded the 30-45 day time frame that is their legal time frame to respond or delete what's in the letter. Please make sure that XXXX deletes these items from my credit report. I also sent letters to Equifax, and XXXX and the investigation has not taken place. Please, remove the items listed in the letters to those organizations as well. Thank you.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being.

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards.

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report.

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : - XXXX XXXX Employer : - XXXX XXXX Employer : XXXX XXXX XXXX, FL Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I have implemented a security freeze on my credit file with all three bureaus. XXXX XXXX and XXXX have applied the freeze and are not a problem. However, Experian keeps removing the security freeze without my permission. They have done this at least six times since XX/XX/2023. Even when they have physically mailed the PIN required to lift the freeze to my house, they have still lifted the freeze based on a call from the fraudster. 

Further, Experian does not have a telephone number with which to reach a customer service person. Calling the toll-free number for fraud only allows for an automated system that does limited things. Further, when I reinstate the security freeze, the system sends the PIN required to unlock it to the email address on my account. However, since I deleted my account, the email address that Experian is sending the PIN to, must belong to the person stealing my identity. 

I have complained to Experian many, many times. They seem to not care. I believe that they are trying to force me into spending {$25.00} per month on their credit lock product. Their product does nothing different that the free security freeze. So i believe that by removing the freeze, they are pushing me to buy their {$300.00} per year product.
Product: Debt collection

This company keeps calling and hanging up. When I called back I asked the guy for verification and he told me no. He was threatening me and I can't get the information for verification. I don't know what this debt is and he keeps saying '' I traced your IP ADDRESS. ". This is harassment. I finally told him to take me to court, because I'm unemployed. We can get this figured out there.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this account these in my credit file : XXXX XXXX XXXX : {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX XXXX Rewards Card, they offer only to be rejected for the application due to XXXX XXXX XXXX  corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT XXXX XXXX IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

*XXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Product: Payday loan, title loan, or personal loan

The OneMain loan is a predatory loan for the following reasons I will document below : - 69.2 % of my monthly payment is applied towards interests on the loan. 
- My average monthly payment is XXXX and XXXX is applied to the principal balance. 
- I contacted OneMain on multiple occasions to request a copy of my promissory note to understand why the bulk of my payment was applied to interest instead of the principal balance. XX/XX/XXXX, I emailed the company to document my attempt to understand what fees I am paying because the agents were not helpful via phone. I received a response back on XX/XX/XXXX stating [ my ] local OneMain branch is best equipped to work with your specific needs and answer any questions [ I ] may have.

- The branch called me during the workday and I missed their call. Each followup attempt I made to return their call was unsuccessful. 
- The company ONLY stores 12 recent billing statements on its website - My balance in XX/XX/XXXX was XXXX. To date, XX/XX/XXXX, my balance is XXXX. I have made 13 payments since XX/XX/XXXX totaling XXXX yet only XXXX have been applied to my principal balance. 
- It is frustrating and quite disheartening to deal with a company with such predatory practices. There should be better laws in place to protect consumers against companies that make it difficult to find disclosure information related to one 's loan, associated fees, and the interest rate. They do not share information about a consumer 's account with the consumer unless you physically visit a branch which is unbelievable in the year XXXX. 
- I sent another email on XX/XX/XXXX, to request my payoff amount and I will request a copy of my promissory note ... again. I would like an email with this information sent to me NOT a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Unaware of this hard inquiry
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit card or prepaid card

I placed an order with an online retailer and a retailer never delivered the item I disputed the item charge and the company gave me a conditional credit and they without any warning they reverse the credit the credit card company did not provide any documentation for sustaining the charge at all they provided no delivery proof or anything that showed that the item order was received or even shipped
Product: Checking or savings account

Back to this XXXX, I opened a Citi bank package with {$400.00} welcome bonus. All the requirements were meet four months ago, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. There are three requirements to earn {$400.00} bonus. 
Requirement 1 : open a new checking and savings account in the Citibank account package between XX/XX/18 XX/XX/18 Comments : My accounts were opened in XX/XX/18. Requirement 1 was meet.

Requirement 2 : within 30 days of opening your account, deposit {$15000.00} new-to-citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Comments : I deposited {$1500.00} to my checking and {$13000.00} to my saving accounts on XX/XX/18 from external financial institution. Requirement 2 was meet.

Requirement 3 : maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
Comments : More than {$15000.00} balance had been maintained from XX/XX/18 to XX/XX/18, which is more than 100 days. Requirement 3 was meet. 

In a word, all the requirements have been meet. Please ask Citi to post {$400.00} credit as advertised. 

Thank you!
Product: Credit card

In XXXX, after holding an American Express personal green card for 11 years, American Express solicited me to open a Gold Card account. I was a XXXX at the time, and as most XXXX, ours was run completely departmentalized. All my department 's finances were my personal responsibility. The credit backing for my gold card is mine, not my former XXXX. Indeed, I have n't even been at that firm since XXXX XXXX. Yet I only just now found out that American Express chooses, when there is a company co-listed on the account, to only provide reporting on the company 's credit, not the individual 's. I am and was XXXX. I need that credit history. Nobody explained to me at the time that by opting for the Gold Card they solicited me for, that it would mean I would give up the right to have my positive credit management reported positively on my credit reports. On XXXX for example, age of credit is the SECOND SINGLE LARGEST FACTOR in the score, and here, because Amex chooses not to report the positive credit history on my personal report, despite the full 19 years of the account being 100 % handled by me, personally. It is my credit that got the account, it is my credit that handles the account, and it is my credit management that just got the revolving limit increased by Amex of their own, unsolicited volition, to {$50000.00}. My personal credit score would be about XXXX points higher if they would just start reporting my 19 year positive history. There is no earthly reason for them not to report the positive on my personal bureaus other than their own stubborn choice. There is no law or prohibition, and indeed, would n't it be good public policy for a XXXX person to have both their XXXX and themselves personally get the credit benefit? Indeed, Amex would sue me if I failed to pay, yet they do n't give me the positive reporting for timely paying over 19 years. This is an outrage and a travesty. American Express 's only solution here is to cancel the existing Gold Card account, and have me apply for new credit. Which would FURTHER destroy my credit, because it would comprise both a hard credit inquiry, which would bring my score down, and it would comprise a brand new, one month old, not nineteen year old, line of credit, so it would make the average age of my credit even more artificially young than it already is with them giving no reporting at all on my private report. This has got to be fixed.