23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Prepaid card

I did not want this card. I tried to cancel/close it and cant get a hold of anyone at customer service. I have been on the phone several times for over 30 minutes each time and NO one answers the phone. as of this date I still have not reach anyone and will be sending a letter and HOPE that someone contacts me before any fees are accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from Car Max and returned in within their XXXX time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to Car Max in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with XXXX. I uploaded the Car Return documents to the XXXX portal. I received an update from XXXX on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the Carmax Finance XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX  texas opened an american express card under my business ein XXXX. I contacted the fraud department and they wont do anything. This will affect my business credit profile. my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX  120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on Transunion it is reporting 120 days late in XXXX XXXX  120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX XXXX it is showing 6 Potentially Negative Months, On XXXX it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on transunion it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Product: Debt collection

I'VE BEEN GETTING CALLS REGARDING THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX keeps reporting something on my credit report that I know nothing about. It has really dropped my credit score. Says I owe them $ XXXX {$900.00}. I have no knowledge of account ( s ).
Product: Credit card or prepaid card

On XX/XX/2021, we purchased XXXX XXXX. On XX/XX/2021, we were locked out of the account, and could no longer access XXXX XXXX. We attempted to reach XXXX XXXX, but were met with a firewall explaining that we have violated the terms of service. 
On XX/XX/2021 we contacted the Wells Fargo XXXX XXXX XXXX customer service, we told them that our XXXX XXXX  account had been suspended. We stated that any charges going forward from XXXX XXXX would be unauthorized by us, as we were not able to access the product that we had purchased. 
On XX/XX/2021, we were charged the {$69.00}, again for XXXX XXXX, but still not able to access the subscription. We made repeated attempts to reach XXXX XXXX to settle the matter. 
On XX/XX/2021, after repeated attempts to reach XXXX XXXX to no avail we contacted Wells Fargo XXXX XXXX XXXX customer service to dispute the unauthorized charge. 
On XX/XX/2021, we were charged again for the service that we have explained twice already, the situation. 
Minutes after I got off the phone with Wells Fargo customer service, they did not reimburse me for charges, but they charged me for the past months. This is concerning because each time I attempt to contact the company I am transferred several times to people where I was made to repeat my address, telephone number, social security number, etc. The last time I contacted them, I was transferred 12 times - each time I had to repeat my personal information. 
I specifically closed my credit card because they were not stopping the unauthorized charges, knowing that my credit score would take a hit. 
We were charged {$69.00} twice after telling Wells Fargo customer service that any charges going forward would be unauthorized. 
I was never sent any confirmation or mail for any of these disputes that I have filed, despite them telling me that I was sent a resolution letter. I asked twice for a copy of the resolution letter, and have still not received it to this day.
Product: Credit reporting or other personal consumer reports

Please note Shellpoint reported me 30 days late erroneously for the month of XX/XX/year>. As per the contractual agreement with Shellpoint, my payment was due on XX/XX/XXXX. The payment was submitted via XXXX website on XX/XX/XXXX, which is the XXXX day after the payment was due, and cleared my account on XX/XX/year>. ( PLEASE NOTE THE PAYMENT HISTORY PROVIDED BY SHELLPOINT ) The payment was made within the allotted time frame, and shouldn't be reported as 30 days late, as in reality it was submitted on the XXXX day, and cleared on the XXXX. I received confirmation that my payment was successfully processed on XX/XX/XXXX. 
I have been paying this mortgage in a timely fashion for many years, and I have XXXX active mortgages with Shell Point. In addition, I have completely paid off several multi-million mortgages in the past. This is an error on Shell Points part, and as a long time customer with an immaculate payment history, I am asking that this be corrected as I wasn't LATE! This erroneous reporting is affecting my credit history, and is hindering my business and financial security.
Product: Debt collection

I spoke with a representative around XXXX and asked that they only contact me via mail with the address they have on file for me. I have blocked the number they were previously calling me from and they continue to call me from Unknown numbers. The most recent voicemail I have from them is dated XX/XX/2022 from XXXX XXXX XXXX
Product: Credit card or prepaid card

Requesting assistance from the CFPB to apply promotional offer oXXXX XXXX XXXX over XXXX  months on balance purchases of $ XXXX on Lowes Synchrony Store Card.

Contacted Lowes Synchrony on : XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Inquiry to Investigate. Follow-up letter via mail. 

XXXX. XXXX - Letter sent from Lowes Synchrony lacking conclusive data, decisions or specifics of purchases. Matter remained unresolved. 

XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Escalated to Promotions Dept.. Submitted dispute claim for $ XXXX not on XXXX  month promotional balance.30-60 day response. 

XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Follow-up on claims. Dispute Claim dismissed. Lowes Synchrony cited " Lack of information regarding itemized purchases within claim. '' Lowes Synchrony Store Card is the merchant of record.
Product: Debt collection

On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( VANCEHUFFMAN ) the collection agency. I had a balance of {$730.00} I asked what was this balance for they stated they couldn't share the information and they had to send me details by mail, which in turn they stated an address that was not mine by any means. I brought that to their attention and immediately they asked for my current address which I refused to give to someone I don't even know and never the less to someone who can't even validate my name, address, or even ssn. I proceeded to ask them to email me the following proof of the debt owed, a signed contract by me, proof of my identity which I asked for my id, and ssn, and I also asked for proof of address which I already knew they had an address I never lived in. They refused to email me any of the required documents they stated they contact the credit bureaus to have the item removed and it was not removed. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.
Product: Mortgage

Trying to sell house and payoff mortgage. Having difficulty in obtaining payoff amount from loan servicer, Fay Servicing. They have used delaying tactics in providing, asking for multiple documents and extended time to respond to request. I am executor of estate, Va. Court qualified, of the original borrower. Fay initially ignored request from law firm handling the closing. The initial request was started in XXXX with a requested closing date of XX/XX/2021 which Fay did not honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified TransUnion that I am a victim of identity theft, and in return and instead of fixing the problem they told me that I am a credit repair company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I refinanced my home at the end of last year with Home Bridge Finical. I am not happy with the company and pray every day that they sell my mortgage to another servicer. I have never been late on my Mortgage still they somehow charged me a late fee which was damaging to my family to have to pay. They were not able to prove that I was late ( because I was not ). When I call into talk to a representative about this no one can help they state that I have to email them directly. Which also provides no support to my problem. CONSUMERS beware to never use this company!!!!
Product: Debt collection

On XX/XX/04 American Coradius International received my letter USPS tracking number XXXX  and which stated ... ... ... ..I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. No one wrote be back this needs to never report on my file and blocked! I have no idea what this is plus they are in default!
Product: Vehicle loan or lease

I got my car stolen from me a couple days ago and Im a travel XXXX and my insurance cant help me with anything not even a rental. I have no one to rely on and Im getting help from no one. Getting a rental or canceling my lease because I pay {$500.00} a month for that car plus another {$200.00} for full coverage. Ive never been in a car accident. I dont understand what I was paying insurance for in the first place is they cant help me with this unfortunate event Im going through.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX accounts late/charged off on my Experian credit report. These accounts were paid in full and were not charged off. These XXXX accounts need to be removed off of my Experian report immediately. This company has failed to show proof that these accounts were late despite numerous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting Bureau Experian is Under reporting my score well my report has no debt listed since everything 's been paid off and they have yet to reevaluate my number score and update it it has been the same for over 60 days with major changes happening during that time I feel I am being on accurately reported which is hurting my chances of receiving opportunities
Product: Checking or savings account

On XXXX XX/XX/2023 I attempted to make a domestic transfer to my account at another bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ). The size of the transaction required the use of a XXXX XXXX, which I posses and used. For some reason - not yet established - the final step after using the code of the XXXX  crashed at " processing '' stage. 
I reached out to customer service by telephone and on XXXX multiple times since then, explaining the funds were required by XXXX XXXX. 
Multiple interactions have failed to have me connected with a technical person who could possibly determine the problem- I am always fobbed off with 'I am raising a ticket, someone will contact you within 5 business days '. To date, nobody has, and I am losing the use of my own funds. 
Is Bank of America unable to pay back deposits at present? 
I even bought a new XXXX and tried different computers, but nothing works, and the Bank shows no interest in speedily solving this problem. 
XXXX my phone is a cellphone in XXXX. The account is in the name of an LLC which I control.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}. Please delete this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and  these line item needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a prompt amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX 2017, I sent a certified debt validation letter to the company that that I believe to be known as AFNI, XXXX, and XXXX. I am not sure what the actual name of the company is because according to my credit reports, all of these names belong to the same company. I believe them to be headquartered out of a facility in XXXX, IL, per my credit report. Upon the receipt of my validation letter, the before mentioned company " flagged '' the account that was on my credit report as a " collection ''. Information was also altered. This was brought to my knowledge because of the alerts that I have on my credit report. They should not have done this. With this company taking this action they have violated a policy of The Fair Debt Collection Practices Act. According to the FDCPA they were supposed cease collection practices of this debt, which would include altering my credit reports, until satisfactory proof that I owe them this alleged debt was sent and received by me. This was not done so they are in direct violation of this policy.
Product: Debt collection

After reviewing my free credit reports I noticed a fraudulent account from Americollect that doesn't belong to me and after contacting them they still refuse to remove from my credit reports and send me verification under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

please delete the following accounts. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT OF EDUCATION Account # XXXX XXXX DEPT OF EDUCATION Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXXXXXX XXXXDEPT OF ED Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry Bank - Mortgage Department Inquiry XXXX XXXX XXXX  XXXX  Credit Cards Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX  XXXX XXXX Inquiry