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

America First Credit Union has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The AFCU account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my chase account. They don't have physical locations in Georgia so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But XXXX only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Refusal to Investigate Erroneous Experian refuses to remove erroneous information from my credit file. Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ( Date Opened ) = XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After Hurricane XXXX, around XX/XX/XXXX, I contacted XXXX Comenity XXXX XXXX XXXX Generation Financial to inform them that I would not be able to make my XXXX payment, and I understood that my payment was deferred. Today, XX/XX/XXXX, I called again to request an additional extension due to the ongoing recovery process. The first representative informed me that he could not XXXX any current assistance for the XXXX payment due to assistance being provided previously. I asked what the final date would be to make payments to avoid a negative credit reporting and late fees, and he responded the XXXX which is the due date. I then requested a supervisor and was transferred to XXXX. 

During my next call, I spoke with XXXX, a Senior Account XXXX. She stated that while she could not XXXX an additional extension for XXXX, she could offer a {$15.00} credit, and that the late fee could be up to {$41.00}. When I requested transparent information regarding the late fee, she was unable to provide that, which felt unfair to me the consumer and deceptive in nature. 

I then asked to speak to her supervisor. XXXX told me to hold on and then disconnected the call without returning to me, even though I had provided my contact information. This lack of professionalism and communication is unacceptable, obscene, and abusive. 

My account has always been positive, and I have never experienced a natural disaster ; the purpose of my call was to seek assistance and gain information regarding my current situation. The inability to provide clear and transparent information about fees, along with the unprofessional handling of my call, raises serious concerns about my consumer rights. I have had this account for some years now with a perfect payment history, and my interaction regarding this matter make me feel deceived and unfairly treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX has violated my rights multiple times in 3 years including today. It is not for 1 reported accurately which is a violation of FCRA 15 USC 1681e ( b ) which states : 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. Also FCRA 1681s-2 ( a ) 5 which states In general a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account is not supposed to continue to be reported as charge off any longer after the date is was consider a charge off and that is a violation This account is also in violation of FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) which states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. This account is a Charge off which the IRS defines a charge off as a gross or ordinary income. Income is NOT part of my credit report so its not suppose to be on here anyway. The original creditor written off this charge off on their taxes with a 1099C which they did not inform me nor send me a form which they were suppose to and that is a violation in itself. They have violated on so many occasions of my rights and I want this account to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Fidelity Creditor Service. The Account Opened is Fidelity Creditor Service Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

I paid of XXXX. I payed more than this amount this need to be off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to equifax representatives 3 times over the past six months. I have not been able to access my consumer report in the last 6 months. I get a " contact customer support '' message when I try to log in through equifax online portal to view my consumer report. 
On calling equifax customer support on XX/XX/2022 I was told that the matter was escalated. I was told once it was fixed someone would contact me via email. I never received a response from Equifax with the matter being resolved. 
I called equifax again on XX/XX/2022 because I was still unable to login to their system to review my consumer report. I was told the matter was escalated to their I.T. department. I was instructed to wait 3 weeks for the matter to be resolved. 
On XXXX XXXX I spke with a representative and supervisor from equifax. I am still unable to access my consumer file which equifax has compiled and shares with other persons. I was told the matter would be escalated witrh the ticket number being # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. XXXX XXXX XXXX XXXX charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with XXXX XXXX and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.
Product: Credit reporting or other personal consumer reports

TOTAL VISA XXXX XXXX XXXX XXXX GREETINGS, I'm responding back to the letter I received on XXXX. You failed to send my documents in

30 days. I requested the 1099C form, so I can properly review this account to see if it's mines. By the provisions of the 15 USC section 1681i of the Fair Credit Reporting Act, these items NEED to be investigated. Please again provide me PROOF of the 1 ) Security Interest,2 ) Full Disclosure and 3 ) Purchase agreement? You have to give me these documents it's the FCRA policies. This INACCURATE Reporting is a very serious matter that is affecting my life.
Product: Checking or savings account

To Whom It May Concern My wife and I moved recently in the XXXX from XXXX. We both opened TD accounts in Florida using our XXXX information. Both of us were long time clients with TD Canada Trust, and had been very happy with their services in the past. This was also desirable because we were both awarded credit using our Social Insurance Numbers ( XXXX ) instead of Social Security Numbers ( XXXX ). 
A few months later, I tried to log onto my Online Banking with TD and was denied access. I called multiple times and finally discovered that they had closed my account. They did so without notice, or reason. I had nearly XXXX in this account. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the account and wait for the funds to be delivered in a form of a check.

I never received any notice that my account was closed or why they closed it, and still havent. After three months my funds were still no where to be found. I received no check. My account and credit cards were blocked and I had no way to pay my credit card. They had nearly {$30000.00} of mine and made no effort to return that money to me. I went on to file a complaint and shortly after the remitted and re-opened the account. While this is a move in the right direction, it is also admittance that they made an unfair and unjust call my closing my account. This also is clear proof that in nearly 3 months they made no effort to return my money to me. During these months I was unable to pay my credit card, which now has late charges and penalties, and I was also forced to use other credit for my day-to-day life, which has a penalty of interest. 
If TD had loaned me {$30000.00} for three months and I had made no payments, they would have added monetary fines to my account and they also would have charged me interest. Just reopening my account is NOT a fair solution and I demand that I be compensated for the unjust treatment of this bank. I am asking for Interest and penalties on my {$30000.00} of {$3000.00} as well as the interest and fees that have accrued on my TD visa since they closed the account in XXXX. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom This May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the Santander account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and Santander Consumer USA, XXXX, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from Santander XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with 724 monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from Santander XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX Bank account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.
Product: Payday loan, title loan, or personal loan

I have been a longstanding Wells Fargo customer since XXXX. I applied for a personal line of credit XXXX. I was making monthly payments which included a automatic payment discount. XX/XX/XXXX, I was laid off from my company after 20 years. In XX/XX/XXXX, I called Wells Fargo regarding my upcoming payment due XX/XX/XXXX as I knew that I would not be able to make the payment as my severance was exhausted and I would have to seek unemployment assistance. Since my account was current, no one wanted to work with me. I was assessed a late fee and NSF fee for that month. In XXXX, I called again to get the payments from auto pay because I did not want to continue to be assessed a NSF fee. I was at the time given a payment extension. Due to Covid-19, I was given another extension until XXXX. Now, I am set up to pay but was told they could not waive the NSF fee nor would I qualify for the relationship discount of 0.25 %. This doesn't in any help customers who want to pay but because of hardship are not able to. I wasn't fired. I lost my job with no fault of my own. As I am now trying to get back on my feet. It would seem to me that Wells Fargo would be more understanding considering all the heat they have taken over the years for their own wrongdoings. A fee is above/excess what is due. They make billions on fees. I am not asking for anything unreasonable, just being fair. Or just showing real customer service. Customers want help when they need it.
Product: Credit card or prepaid card

I opened this card with a {$2000.00} credit limit in XX/XX/XXXX I have never paid this card late I have always paid way above the minimum payment due I just received a credit limit increase in XX/XX/XXXX bringing my credit limit up to {$5000.00} my balance on the card has never gone over XXXX % and then in XX/XX/XXXX my credit limit was dropped to {$600.00} while my bill was {$580.00} bringing my card to 90 % percent usage and dropping my credit score when I asked XXXX 's XXXX XXXX for a reason they would give me and increase and then a massive decrease in 30 day timespan I was told due to them checking my XXXX  score and it was a XXXX that is completely false I pay for my credit score from all 3 major credit bureaus directly and my credit score has not been in the XXXX 's at all and there was no ding to my credit from XXXX to XXXX to prompt any issue and in fact XXXX 's affected my credit by putting me so close to the limit and increasing my debt ratio I want my credit limit increase or this card closed I have attached my credit report from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

I requested JP Morgan Chase Bank to remove the late payment for the auto loan I had in that moment in time due to XXXX. They denied it as described below : " Under the Fair Credit Reporting Act, information we send to the credit reporting agencies must accurately reflect your account activity and status. Unfortunately, we can not accommodate your request to remove the late remarks you requested. We do not offer courtesy amendments or amend credit due to XXXX XXXX. Reports from other credit reporting agencies may contain outdated or incomplete information. ''
Product: Student loan

The student loans are a result of ID Theft. The loans were deleted from Salie Mae in XX/XX/XXXX because the loans were determined to be fraud. The sold them to XXXX XXXX XXXX.Under 609 law XXXX XXXX XXXX does not or can not provide the copies of the Promissary notes from Salie Mae. Navielent has my Adfidivit with Notary sent on XX/XX/XXXX. I want to sue them based off the CFPB case with Salie Mae because the loans were deleted or remove as a result of Fraud. Now Navient and XXXX XXXX XXXX will not delete {$100000.00} from my credit. I need to buy a home. Please help me XXXX email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above referenced accounts 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 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.