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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX  account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXXXXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " Credit Score : XXXX - via TransUnion, XXXX, and XXXX. '' I called Customer Service and they confirmed that they information that they received was from those three credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- XXXX is a XXXX, TransUnion is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.
Product: Debt collection

Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.
Product: Credit reporting or other personal consumer reports

The fraudulent, incorrect, and misleading information on my credit report persists despite my numerous efforts to resolve the issue. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is essential to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid this account balance in full. The account currently has a {$11.00} credit.
Product: Credit card or prepaid card

In XX/XX/2022, I was attempting to get a 12 month promotional offer. 
There were 3 choices 1. 3 % for 12 months rate 2. 4 % for 18 months rate 3. 3 % standard rate I choice # 1 or 3 % with a transfer fee of {$450.00}, which is about $ 168 monthly payments However, US Bank changed my promotional offer to the worst, which was # 3 and charged me 3 times ... {$450.00}, {$75.00} and {$280.00} My credit score was dropped XXXX points to XXXX I called US Bank on XX/XX/2022 and was told a supervisor would me in 24 hours to explain the problem. Never happened Even if I agreed to # 3, why was my credit score dropped so much? Other credit cards show a score in the 700s
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.
Product: Checking or savings account

hi my name is XXXX XXXX, someone on the app XXXX sent money to my account on accident Ive told chase numerous times to send their money back, I am not aware of this persons contact information or who even they are. They never sent the money back to the sender which resulted in the person placing a claim on me and having my account on hold for 2 months I need to pay rent Ive stressed this to them many times if they could just send the money back and unfreeze my account. Im taking care of my XXXX siblings due to corona weve been stuck.. and my last savings are in there chase hasnt been help at al every time I ask for help they turn away their heads.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my consumer report from Equifax. In doing so, I noticed a blatant disregard of my personal right to privacy. There are multiple inquires, accounts, and addresses listed. This is evident unauthorized use of my Personally Identifiable Financial Information. I did not give Equifax authorization or consent to report or publish any of my private Personal Identifiable Financial Information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

Below are the accounts in question : Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXXDept of Ed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.
Product: Bank account or service

Prior to XXXX XXXX, I was given a {$500.00} personal check from my landlord in rejection of my rent, which I had paid her. On the morning of XXXX XXXX, I deposited that check into my account at SunTrust ; the funds pertaining to that check were made available that evening. On XXXX XXXX, I made a withdrawal of {$1100.00}, resulting in remaining a balance of {$70.00}. The following day ( XXXX XXXX ), I received an envelope wherein was a slip of paper declaring that {$500.00} was withdrawn from my account on XXXX XXXX, resulting in a negative balance of {$510.00}.
Product: Credit reporting or other personal consumer reports

1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as Equifax, to follow reasonable procedures when preparing a credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. 

Moreover, the consumer is assured proper investigation of complaint and asserts that a simple verification does not constitute a proper investigation as required under FCRA. Failure of consumer reporting agencies to conduct thorough investigation is a violation of consumer rights and privacy. 

The following account has been disputed before several times but is still inaccurately being reported. The information should be consistent across different consumer reporting agencies and where this information does not conform to the required consistency which further promotes, In XXXX vs Equifax, court found verifying inaccurate information does not constitute. 

The following account is not reported by XXXX nor XXXX due to inaccurate information but Equifax continues to report the account which is a violation and would entitle consumer to seek monetary damages for ongoing harm caused by Equifax. ( Please see attached document ). 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files a complaint with you Transunion and XXXX. XXXX took my XXXX year old student loan off my report because the UD Dept of Edu is committing fraud. On my Transunion report it says loan was opened in XXXX and the office handling it is in XXXX TX and XXXX report says the loan was opened in XXXX as well but the office handling it is in XXXX IL. I do NOT have 2 students loans for 1. HMM odd that they are the same amount and opened the same but 2 different offices are handling it. Its because they keep transferring the same 19 year old loan to different offices so it can be reported as a new loan so it screws up my credit score. I've also sent in a complaint to you as well about the US Dept of Edu and you told me to contact them. 
So please tell me how its fair to me that a loan I started in XXXX and added to again in XXXX is being reported as a 6 year old loan and not 19 years? Also how is it that 2 different offices are handling the same loan and different on my reports? This a fraud AND YOU'RE SUPPOSED TO STOP THINGS LIKE THIS FROM HAPPENING. But since its the government you're not doing a XXXX thing.
Product: Debt collection

Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me. 

On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
Product: Student loan

THIS CONTAINS TO MORE THEN ONE COMPLAINT, BALANCE ON THE LOAN. SHOULD THIS COMPANY PROVIDE A RETURN LETTER TO SUBMIT PAYMENTS, I DO NOT DO ONLINE BANKING, MY ELECTRIC AND GAS COMPANIES FORWARD A LRETURN LETTER TO REMIT PAYMENT WHY CA N'T NAVIENT. ALSO THE INTEREST STATEMENT FOR TAXES, SOMETIMES IS HESITANT. BASICALLY OVERALL I DO NOT KNOW HOW I GOT MIXED UP WITH THIS COMPANY IN THE FIRST PLACE. CRAZY THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been incarcerated for the last 8 years. A lot of this stuff on the credit reports are all identity theft. I can not seem to get a credit card now that iM free & living a normal life. I feel I have been targeted & a lot of fraud under my name. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

XX/XX/2019 checking credit report beside always having problems with XXXX XXXX they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now XXXX only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Product: Credit card or prepaid card

XXXXXXXX XXXX  XXXX XXXX through Wells Fargo decreased my line of credit from {$2900.00} to {$1000.00}. This was done because my account was considered inactive. I have not charged any items on the account for over 1 year. Due to COVID I was not shopping in stores and I did not need the amount of clothing I had ordered in the past. 

Wells Fargo did not contact me prior to making the reduction in the credit line. I was advised through my XXXX account a change had been made in my credit limits. I started calling Wells Fargo on After several calls to XXXXWell Fargo I received a letter acknowledging my contacting the company. 

I talked with XXXX on XX/XX/1922 who stated a letter from Wells Fargo was mailed to me on XX/XX/22. I have yet to receive that letter. He escalated my complaint to Wells Fargo and I talked with XXXX. I was told by all customer representatives my credit limit could not be restored because Wells Fargo was not making any increases on XXXXXXXX XXXX XXXX XXXX 

Please see the attached documents. 

I received a call from XXXX on XX/XX/22 who again stated a letter was sent to me on XX/XX/22. I was still told Wells Fargo would not reconsider restoring my credit limit just because iit was not doing so.
Product: Credit reporting or other personal consumer reports

I made a payment on my XXXX  credit card from XXXX XXXX on XX/XX/XXXX. The due date was XX/XX/XXXX I was only about XXXX weeks past due and I made it a payment. 

The payment showed in my account as a posted successful payment. It said " Payment Thank you '' {$230.00} ( See attached screenshot ) On XX/XX/XXXX I received an alert from the credit bureau that I received a late payment from ikea credit card. Upon further looking into it, I was advised by XXXX XXXX  that the payment account was not good and payment was not successful in which I made another payment again on that same day. 

However, it is still reporting as 30 days late on my report when in fact I made a payment on XXXX. My XXXX  XXXX XXXXt showed the payment posted. And more than that, I do not have even one piece of communication from XXXX  that there was any issues with my first payment. 


This is highly damaging to me and I think it is completely wrong, illegal, and unfair. How would I know there is a payment issue without any communication and when my account reflects a posted payment. Also they sent me a email on XXXX when I made the payment stating " Thank you we received your payment " and no no other communication after. 

I have credit cards for the past 8 years with big banks and I do not have a single late payment on my credit report other than this small XXXX credit card which I am new too. It is very said that they can not consider a customer for what it is and give me a chance to actually build a relationship and rather making me never want to use this ever again. 8 years with XXXX, XXXX XXXX, XXXX and more and not a single late payment. 

What's more sad is that I was actually responsible to make the payment before its 30 days late and they sent me confirmation it was received. The account transactions showed a successful payment posted and Noone sent me any any communication. It is wrong
Product: Credit card or prepaid card

I got an e-mail from American express on XX/XX/XXXX inviting me to apply for XXXX XXXX XXXX credit card and get XXXX XXXX miles welcome bonus if I spend {$1000.00} or more within 3 months. I got the card approved. I activated the card and checked about the bonus. I was told I will not get the promised XXXX mile bonus even if I spend over {$1000.00} within 3 months as I had gotten a similar bonus previously during XX/XX/XXXX. 
I read the e-mail and all conditions for the XXXX mile bonus. No where it says that those people who had previously gotten bonus are not eligible. I talked to American express customer service rep. She said that it is the company policy even if it does not state anywhere to the customer. This means American express knew that I will not get the welcome bonus and still sent me an e-mail promising the XXXX miles bonus.
Product: Credit reporting or other personal consumer reports

Creditors pulled my credit file without permissible purpose. Collections is not a valid permissible purposes.