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

I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that XXXX reported a late payment on my report for XX/XX/2020, which was around the peak of the Covid-19 pandemic. I spoke to XXXX over the phone and they said once it is paid then the account would be updated. I contacted Experian through the online portal and also over the phone to get an update. My " late payment " should be updated to On time because it was paid. With the Covid forbearance act, this account should be updated to On time, and no late payment.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL IS ILLEGALLY REPORTING LATE PAYMENTS FOR ACCOUNT XXXX 30 DAY LATE PAYMENT XXXX XXXX XXXX XXXX 15 USC 1681a section 2 provides exclusions to the term " consumer report ''. The term " consumer report '' does not include : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I received my credit report and found out that someone opened a credit account number XXXX with XXXX XXXX  online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX XXXX  and filed a complain on XX/XX/2024 at XXXX XXXX. They closed the account but it has a balance of {$4200.00} This damaged my credit score a lot and I also filed a complain with the XXXX credit companies. 
I received the result from XXXX as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on www.identitytheft.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I get a huge portion of my payroll directly deposited in my acct weekly ( {$650.00} weekly ). This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Debt collection

I received a letter dated XX/XX/23 from National Credit Systems, alleging I owe a debt, which I dispute. Their letter said if I wrote to them by XX/XX/23, they must stop collection until they send me verification of the debt. On XX/XX/23, I sent them a dispute letter via their online portal and email address, requesting verification of the debt and that they stop collection efforts until they provide same. On XX/XX/23, I received a letter with further collection efforts, despite having received no verification of the debt, in violation of the FDCPA. I again wrote to National Credit Systems on XX/XX/23 asking them to cease collection efforts until sending verification of the debt, yet they reported this unverified debt to the credit reporting agencies on XX/XX/23.
Product: Credit card or prepaid card

On XX/XX/XXXX I was told that I was given a wavier period and for a couple months my account said that nothing was due. I had no idea when the waiver period would end. I was stunned that out of the blue today XX/XX/XXXX I got a call saying that my card is over {$400.00} due. I got high interest fee charges and a fee charge in XXXX I didn't know about. I have found the communication and the explination from citibank to be very poor. This is so frustrating that when I am doing paying this card off I will no longer bank with citibank ever again. The bank is very unhelpful even when the person called me today to say that {$400.00} due on my account. They should not have waited until {$400.00} was due to let me know. I had no idea the card payments were going to stop in XXXX and I would be charged. The communication by citibank was very poor.
Product: Credit card or prepaid card

i purchased a air ticket with XXXX XXXX  through the Chase travel service. the flight was cancelled and Chase refused to refund me. I contacted the airline and they agreed to refund and indicated that the refund had been authorized. Inexplicably, Chase continues to refuse issuing the refund.
Product: Credit reporting or other personal consumer reports

Transunion is reporting accounts as delinquent that are in dispute and not delinquent. Information regarding what information was provided to transunion that would cause them to report the account as delinquent would not be sent to me because 'we can not send you anything ' is what was explained to me by the representative on XXXX at XXXX CT.
Product: Credit reporting

XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.
Product: Credit reporting or other personal consumer reports

I received a response from Transunion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( XXXX XXXX  ) XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct. So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Credit reporting or other personal consumer reports

XXXX said to you looks like fraud it has been for 8 years what I am now XXXX  because of all the credit bur and citi bank how do you close the case i did all the steps but that does bot help they ruin my credit before i could ever have credit I need someone to put this right they new it was fraud and did nothing help me please XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XX/XX/year> Dear XXXX XXXX, I am writing to you as a last resort, seeking your urgent assistance. My name is XXXX XXXX, and I have been facing overwhelming difficulties for the past 8 years. I need help, and I am reaching out to you because I believe you are my last hope. 

I am not asking for a handout, but I have been fighting Citibank and the three credit agencies over false information on my credit report for 8 years. 
Citibank has placed information on my credit, even though I am not a customer of theirs, causing my credit score to drop by XXXX XXXX 
As a result, I have never been able to establish or maintain my own credit. 
I followed all the rules and informed them that I could not buy a car or a home, and now I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We can no longer afford the lease, which is now up, and we have been asked to leave. 
My credit was breached, and I am now unable to finish building what weve started. 
Credit bureau information was leaked, and I am XXXX days away from losing what little I have left. 
I have written XXXX letters to Citibank and the credit bureaus just this year, and emailed XXXX XXXX and every member of my state government, but no action has been taken. 
For 8 years, I have been told by the government that I am a victim of fraud, but they simply close the case with no resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The conditions are unbearable. 
I have XXXX XXXX ( XXXX XXXX, and the cold environment has made me very sick. 
I can not be the only one facing this injustice. Citibank laughed when I asked for help. 
Please, XXXX XXXX, I need help and advice. This is my last resort. I am desperate, and I am asking you to take action to resolve this situation. 

Thank you for your time and consideration. 

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

I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX XXXX has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. I will attach the FTC reports here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. Fraud accounts are the ff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

All three credit agencies are showing way off differences. I was using XXXX XXXX  to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping
Product: Debt collection

Sequium ( Account # XXXX ) is attempting to collect on behalf of XXXX XXXX. XXXX admitted the debt was in error and the equipment was returned and it was a system error improperly logging that return. I also spoke to XXXX and they verbally stated it was an error and nothing was owed to them. In an effort to preserve our XXXX XXXX and report, we paid XXXX directly {$XXXX}, despite their admission that there was an error. Sequium is still reporting a collection to both XXXX and XXXX. This is in clear violation of the Fair Credit Reporting Act. Our request is IMMEDIATE removal of Sequium from the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 8 months I have been trying to get inaccurate information corrected and updated on my two XXXX accounts. These accounts are showing I was 120 days past due in XX/XX/2016. I have sent copies of my entire XXXX  payment ledgers I received directly from XXXX that validate i was never past due. Each time Equifax has said these accounts are being reported accurately. That is impossible as 1 : the payment ledgers I have submitted are directly from XXXX. I contacted XXXX to ask why they are reporting the late pays as accurate to which they responded they do not respond to disputes once the loan is paid off. I have asked Equifax on three separate occasions to tell me the manner of investigation and to send documentation they received from XXXX that made them disregard the Ledgers I sent to them I received directly from XXXX - Equifax has failed to send this.. 

I also have a collection placed on my Credit Report I sent Equifax a copy of the the letter from the collection agency that said the account is to be deleted XXXX to from my credit report - I sent in the letter and XXXX would not delete it. I asked the Rep at XXXX why this wasn't being deleted and the response was its illegal for XXXX  to remove items from a persons credit report. They are in possession of the letter stating it is to be deleted and are knowingly & willfully keeping inaccurate information on my credit report. 

I don't know what to do or how to get Equifax to remove this inaccurate information when they are in possession of my entire payment history with XXXX and XXXX  is communicating they are not confirming the information as accurate and their right out refusal to remove a collection account when they are in possession of a letter from the furnisher stating it is to be deleted except to seek legal action against Equifax. 

Equifax is in violation of the CFRA and I will be seeking legal action against them
Product: Credit card or prepaid card

I opened AMEX XXXX XXXX card on XX/XX/XXXX. The welcome bonus offer was 50K XXXX skymiles, 10K MQM and {$100.00} statement credit.

In past, AMEX had clearly communicated via " welcome bonus qualification tool '' if i'd be ineligible for welcome bonus before submitting the application. However, i didn't receive such messages and was instantly approved for this credit card online.

I've already paid the annual fee of {$190.00} as of XX/XX/XXXX statement and when i called AMEX to inquire about the status of my welcome bonus offer, to my surprise, i was told by CS rep that welcome bonus is declined for me. They never informed me that i'm not eligible for welcome bonus offer until i asked them. When i asked them to inquire about this, they are accusing me of misusing the system by enjoying welcome bonus and not using the cards in subsequent years. Talking to customer rep, i was told that I enjoyed XXXX or XXXX XXXX card welcome bonus. However, that's not true as AMEX ended it's relationship with XXXX and moved that card to XXXX ( i'm still using it on everyday ) and XXXX moved XXXX cards to AMEX. So they are making this judgement because i've few cards that were transferred out or in and not in use much.

I'm surprised that, they never informed me about this before submitting the application or charging me annual fee. The customer service rep have been very rude and unhelpful even after multiple attempt to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 2. 
It also states a customer reporting agency can not furnish a account without my written instructions. 



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Product: Mortgage

I applied for a modification from Wells Fargo back in XXXX, I hired a lawyer, worked at getting them all the paperwork hundreds of times. Finally, got the modification in XXXX XXXX, I sent the XXXX payment, however I was short on the payment since the paperwork was not very clear on the amount due, I sent {$1100.00}. I realized later that the amount should have {$1300.00}, so I sent the difference in XXXX XXXX for {$250.00}. The XXXX payment they dispersed incorrectly as well as this {$250.00}, they applied to the principal instead of the normal payment, without notifying me of this. So they say I am behind in this payment. Also, in XXXX XXXX, I made a mortgage payment on the phone with them, same information, same account I always use, they processed it incorrectly so it shows that it bounced, even though I have proven to them that I had the money in my account to cover the payment, they did n't notify me until XXXX XXXX. There is also a payment in XXXX that they misapplied for {$1100.00} to principal instead of the regular payment. I have provided them over and over again with all the documents to prove my case, yet they refuse to work with me. I realized that the XXXX payment I will owe, but I need to make payment arrangements for that XXXX. They call me several times a day and never resolve anything. Please help.This has ruined my credit, which is not fair. I pay my mortgage every month. I 'm so exhausted from this constantly not being fixed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX, XXXX  : XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15-USC 1681 ( e ) ( b ) ggs are and according to 15 USC 1681 , 5 they are suppose to do this ( 5 ) Treatment of able inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.pril ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer report procedures to assure maximum possible and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate. My information was released in data breach.
Product: Mortgage

XX/XX/XXXX I reported that Carrington Mortgage placed on my credit report that my mortgage loan ( XXXX ) was discharged under bankruptcy. I stated and explained to XXXX XXXX, Customer Advocate for Carrington MS , that my mortgage with them was never placed under chXXXX or any other bankruptcy relief. We spoke on the phone and she said that this information will be taken off. When I later checked it had been corrected. Today, XXXX XXXX, XXXX, I was looking at my report and see that this bankruptcy discharge information has been placed back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i received an email notice that my credit score dropped for XXXX so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for 20 minutes they could not find my account so i called XXXX and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them 5 ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the XXXX XXXX XXXX and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help me.