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

on XXXX XXXX i sent the CEO of XXXX  in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a jury trail. am stating on the record and let the record reflected am the consumer, living breathing man, administrator, beneficiary and executive of name and estate. i have reason to believe and do so great faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/ I phoned credit bureau to clarify an issue in my credit report first representative hung up on me right away representative # 2 insisted I just needed to just explain the adverse information was for one item not many and politely hung up credit bureau very unprofessional my creditor needs an accurate report from the credit bureau me informing the creditor is insufficient but at the same time why is my creditor giving me decreased credit limit and higher APR when the XXXX information was there when it approved me for the credit
Product: Credit reporting or other personal consumer reports

transunion is reporting information on my account that was do to identify theft accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Debt collection

I'll start by stating, I rarely use " XXXX '' alone on any of my credit cards or paperwork, I use my middle name or combination of my first and middle name initials. 

I have sent four letters to Midland Credit Management , Inc. and one to XXXX XXXX XXXX  regarding the collection of debt from XXXX XXXX XXXX. 

Received a call in spring of 2024 asking my name, I said yes, and then was attacked for not paying a credit card that was supposedly in my name. The address was XXXX, XXXX, which I have never resided. The caller was very aggressive at first until a woman took the call over and said they wouldn't call me anymore. 

Began getting collection letters from Midland Credit within a few months. I have written three letters to them disputing the collection for reasons listed below.

The fact that I have never lived anywhere but in Oklahoma. I have a very good credit score and pay my debts on time, should be proof enough that this is not me. 

Furthermore I have requested in each letter for the original credit application to prove that it is not me. They have yet to provide that information.

With this on my credit report it has dropped my credit score. 
I also belive that they did a search for that name, found my social and stuck the debt to me. 

I have also reported it to XXXX XXXX, and all three credit bureaus. They continue to not look at the details and side with the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX XXXX ( XXXX XXXX ), XXXX  XXXX XXXX, XXXX. 

Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX  UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXXXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising these inaccuracies multiple times and requesting thorough investigations, I have not yet received a resolution or corrective action. 

These erroneous accounts are severely damaging my credit and impacting my ability to live normally. The ongoing effects of these inaccuracies have led to significant hardships, and I am seeking your assistance to resolve this matter as quickly as possible. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your support, I hope to restore the accuracy and integrity of my credit file and regain control over my financial situation. 

I urge you to prioritize this issue and take prompt action. Your cooperation in resolving this matter swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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

My Paypal account is permanent limited I don't know why and i disatisfy the reason.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have a Chase Visa Credit Card. I make payments on a regular basis, and have done so for many years. The problem I had recently involves a notification service which Chase provides. Specifically, they provide a user defined service to notify a customer ( or remind them ) by email that their payment is due within X number of days ( for me, X was 10 days ). I  came to rely on this service where when I would receive the notification, and then I would schedule the payment with my bank. The problem arose when I stopped receiving these notifications. As I relied on the notifications as a payment reminder, of course when I stopped receiving them my payment was late, and I received late fees. This happened to me two times before I looked into to why my notificationsstopped. What I found was interesting. My Chase online profile was set to correctly to notify me 10 days before my payment was due. So what happened to my notifications? Well, for some reason they were n't being sent. What 's even more interesting, is that Chase provides a Notification History Log. The History Log did not indicate them being sent to me. So I contacted Chase, and of course they were very quick to refund me my two months late fees ( {$37.00} for XXXX, and {$27.00} for XXXX XXXX. However, I began to wonder, if maybe others could be having this happen to them? It 's seems interesting too, that Chase raised their Late Fees during this time as well from {$27.00} to {$37.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

so there is a closed complaint XXXX that is on my file so the updates that made me submit new complaint, that im attaching three pictures where you can see citi bank posted my credit score equal to XXXX on their web site and discover credit card posted my credit score to XXXX on their web site where credit karma showed my credit score went down 4 point on XXXX data and XXXX went down five scores which mean what citi bank said they post something on their website and post contradiction to it to the creditors so please look at the attached screen shots and if i ignore this ugly practice, they will keep going. 
its like my credit score is getting lower for the creditors while two of my credit cards showing way higher and improvement on their website, because they post something on their website and to they post the opposite to the creditors something as long balance and complaints beliving the creditors will take what they report not what cfpb direct them to post. 
so yes Citibank and discover behind this mess especially the Citibank that directly told me that creditors take what they say not what cfpb dispute, yet XXXX XXXX post on their site credit karma scores so its like my credit score is low because of such game and the leader is citi bank
Product: Credit reporting

My credit report has been ok until Just Now with information from XXXX XXXX ( Charge-off ) I do not have any account with XXXX with a balance of {$4500.00}. XXXX XXXX XXXX XXXX ( NOT MY ADDRESS ) Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 5 days to avoid sue. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean Reports.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy.

The Company sold my debt to a third party debt collector. Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a 3rd party debt buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ), XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And this is not a third party filing this report. I have attached several documents for your review. Please see attached. There are several inaccuracies on my consumer report being reported by the following credit reporting agencies. XXXX, TransUnion, and XXXX. They have not did an investigation into this matter and they are violating my consumer protection rights by these inaccurate reportings.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstr
ates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

i obtain all three reports from the bureaus and the information collected is not mines i would like this to be removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This account was not late, the error was on macys part, not mine. this was to be corrected on Macys side they never corrected. It was not late, they charged me a late fee when my payment was made. i was not aware i had a late fee and cause the account to be late. Macys did correct the issue but never updated credit report XXXX XX/XX/2021 2021
Product: Mortgage

Out mortgage company is TD Bank since we bought our house in XXXX. My husband and decided to refinance and chose to do so with XXXX XXXX. We closed with XXXX XXXX on XX/XX/XXXX. After the closing, I called XXXX XXXX  and obtained the Federal Reserve Confirmation Number received by XXXX XXXX after they paid the payoff amount owed to TD Bank. This payoff amount was given by TD Bank to XXXX XXXX. On XX/XX/XXXX, the mortgage balance was still showing on my online banking at TD Bank with a due date of XX/XX/XXXX and no later date than XX/XX/XXXX. Therefore, I called TD to question what was going on. After speaking with several representatives, I was told first that they never received the payoff from XXXX XXXX. However, the customer service representative was later able to find that the payment was received on XX/XX/XXXX using the confirmation number I obtained from XXXX XXXX. Although, she stated that the payment was not credited to the account yet. She also stated that the payoff amount given by TD to XXXX XXXX was incorrect amount ; it was short more than {$9000.00}. I was not very happy to hear that of course, however, my main concern was that I wanted TD Bank to work on fixing the error they made by contacting XXXX XXXX and that my husband and I should not be penalized by any service fees. In addition, no late payments should be reported on that {$9000.00} to the credit bureaus after the XX/XX/XXXX until XXXX XXXX  takes care of the difference. Because the representative I was speaking could not give me a defiant response, I asked to speak to her supervisor who still could not take assure me that there will be no late fees or penalty charged on my existing mortgage with TD Bank. I then spoke with another supervisor stated that the TD bank employee made a mistake by entering incorrect payoff date XX/XX/XXXX instead of XXXX which resulted in deducting one year of interest from the payoff amount given to XXXX XXXX. However, she still could not grantee that no charges will be reported to the credit bureau of the payment was not made by XX/XX/XXXX even though she confirmed their employee 's error. All what she cared about was making sure that it was clear to me that I am responsible to pay them the difference! I gave the TD bank supervisor the phone number of the loan office who was helping us in the refinance process at XXXX XXXX. After being on the phone with TD for over 2 hours, I called XXXX XXXX asking for help on fixing the error made by TD bank, and she stated that they were willing to work with TD bank. Few minutes later, the TD bank supervisor called me and claimed that she can not get in touch with the loan office at XXXX XXXX because the phone number I gave her was incorrect. I asked her to repeat the number I gave her and confronted her that I spoke with XXXX XXXX Loan Office on that number few minutes ago. Later in the day, TD Bank supervisor called me and claimed that she will work with XXXX XXXX  and they stopped the clock on my loan, however, the full mortgage amount still shows on my online banking with a due date of XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2019 while I attended a play, money was withdrawn from my checking account by an unknown person without my knowledge or consent. I was alerted that it was happening when I tried to use my debit card to purchase tea after the play and my card was declined. I checked my account through the banking app and saw withdrawls of around {$800.00}, {$1100.00}, and {$900.00}. I immediately looked up the nearest bank location and physically ran to see a banker and stop what was happening. While I was explaining what happened to the banker, another withdrawl was made from that account at the teller window XXXX the money from that transaction has been returned to me ). I was later told by another banker that my debit card had been duplicated to make the ATM withdrawals, and that because the person used my pin number, the bank was declining to return the money stolen in those transations, and that I they were " ending the relationship '' with me as their client.
Product: Checking or savings account

Previous complaint number ID - XXXX In reference to this complaint after 3 1/2 months Chase returned my money. 

However no interest was added. They are lending money at 7 %. I called them asking about the interest they owe me for withholding the funds and they claim it is not " protocol '' to give interest funds. This money was illegally withheld and as of today they never gave me a reason other than fraud, which it was not the case. 

I am aware they used my money for 3 1/2 months, lent it, collected 7 % interest and kept it to themselves. I want my share of that interest even if it is {$1.00}. 
At this point it is a matter of principle. 

I am in awe of what the government allow these banks to do to the citizens especially us, the middle class. They are stealing from us and they get away with it. 

Please advise if there is any recourse to my complaint. 

Thank you for your attention. 

XXXX XXXX