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

I was absolutely shocked when I discovered that my identity had been stolen. It's a truly harrowing experience to find out that someone has been using your personal information for their own gain. While checking my credit report, I found out that there are a couple of fraudulent accounts that were opened under my name. This is a gross violation of my privacy and has left me feeling completely helpless. Despite my persistent efforts to remove the fraudulent accounts from my credit report, I have been unsuccessful in removing one particular account from my TransUnion credit report. This account pertains to a XXXX 's store credit card with the account number XXXX. The presence of this fraudulent account is causing me great concern, as it not only tarnishes my credit score but also poses a threat to my financial well-being in the future. It is disheartening to know that someone out there is exploiting my personal information for their own gain, while I bear the consequences of their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

On XXXX separate occasions, I contacted Wells Fargo in regards to fraudulent charges on my credit card account. They issued a new card on both occasions however a previous charge was still being charged to my account without my consent. Upon going over my account the second time my account was flagged for fraudulent activity, Wells Fargo sent me a form asking me to list additional charges I did not recognize. The total charges I observed were in the amount of XXXX dollars which they denied and also an additional XXXX dollars from XXXX charges that I previously reported to them but was never credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}
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. 

I told Experian, XXXX and XXXX to reinvestigate these accounts, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In a letter dated XX/XX/XXXX, I requested XXXX XXXX , XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to Equifax and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/XXXX. Thus, XXXX 's 30 day deadline was XX/XX/XXXX. 2. I obtained a copy of my Equifax, XXXX, and XXXX credit reports on XX/XX/XXXX, well after XXXX 's deadline of XX/XX/XXXX. Again, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than JXX/XX/XXXX. 
3. In a letter dated XX/XX/XXXX, I notified XXXX that it had not placed a notice of dispute on my Equifax, XXXX, and XXXX   credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 
4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
Product: Debt collection

This is a debt that is at least 7 or more years old and which is attached by the State of Maryland for services of which are free and no one told me that I would have to pay a debt for being on probation. This is a serious attempt to ruin my credit rating and thus cause me problems later. 
I never signed any paperwork through the state or was told that I would owe monies at anytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached to Transunion at the beginning of XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( XXXX XXXX ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through XXXX XXXX XXXX or XXXX XXXX XXXX Both Transunion and XXXX XXXX has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither Transunion or XXXX XXXX has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the
information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, Ive identified several discrepancies that need immediate correction. This inaccurate data is negatively impacting my credit score, and it is imperative that it be rectified without delay.
Product: Mortgage

My Mortgage company affected my credit negatively. I applied for a loan modification because times got tough for me. I went around and around with BOA and many lies and many diseptive methods used to avoid modifing my loan. They refused my payments until I was placed into a position over the three month of non payment. I sent them a letter that I sent to the governor of Florida once they did this and immediately they decided they they approved my loan modification. After 4 years of XXXX, lies and absolute despection I do have my home and yes they modified it to a lower monthly payment but it 's not without a bittersweet note. They changed the terms to 40 years and now my credit has been compromised. I need help and would like to know what can and could be done. Please help.
Product: Debt collection

I have been getting calls and emails from Receivables Performance Management for a XXXX bill of {$80.00}. I have never received a letter in writing regarding this debt. They also reported this to my credit report as delinquent. I found out about this bill via my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, while I was in a natural disaster forbearance period with XXXX XXXX XXXX, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called XXXX XXXX once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. XXXX XXXX finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but Equifax refused. I spoke to several representatives from both Equifax and XXXX XXXX to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time opening a dispute for the same issue that was never resolved. First compliant is XXXX and feedback was provided with no resolve. Lets try this again, after numerous calls over the past five months or so creditors are unable to access my Equifax credit report and your customer service reps are very incompetent and love to transfer and disconnect. My issue is exactly the same as the folks on this thread : https : XXXX. I am currently unable to sign up for XXXX because I receive the message that " While processing FICO Premier, we discovered a mismatch in the personal information you submitted and are unable to deliver your data from Equifax ... XXXX '' I have attached a screenshot to this complaint. Also I am unable to retrieve a credit report from XXXX although at this time this is the least of my concern since you guys keep sending me credit reports when I file complaints or call in to complain. See attached screenshot. 

So here is what I need from you EQUIFAX. Fix whatever errors there are on the backend ASAP! It is my right to have access to my credit report and credit scores whenever I desire according to the Fair Credit Reporting Act and you are hindering this. Have the Office of Consumer Affairs check my profile please as they have corrected many others issues from the link I provided above. Do not send me another credit report as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in your system.
Product: Checking or savings account

On XX/XX/XXXX capital one started experiencing disruptions with deposits. They did not inform customers of the lack of money until XX/XX/XXXX. They informed clients money would be deposited by Friday morning. I'm going to flip the XXXX out
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all the fraudulent accounts and inquiries listed below be blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$670.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. Unauthorized Collection o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX ( formerly XXXX XXXX ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX  XXXX  Inquiry : XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX Account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, XXXX has me at XXXX, while Transunion has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to Rozlinfingrp  and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from Rozlinfingrp  I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Equifax Credit report. XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX. Collections XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plese remove that inquires in my report
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Product: Credit card or prepaid card

We misplaced our Synchrony Bank PayPal Cashback Credit card and reported it missing on XX/XX/XXXX. The initial report of a lost card was apparently not recorded, as a follow-up call two weeks later revealed that the card had not been deactivated as we requested. Replacing the card took over a month. 

On XX/XX/XXXX, while we were still waiting for the replacement card, I attempted to transfer {$170.00} in rewards from the Synchrony account to my PayPal account, but the transfer never appeared in PayPal. 

Two online payment attempts for the XXXX statement were rejected. I spent hours on the phone with both PayPal and Synchrony customer service trying to resolve these issues and to make a phone payment for the XXXX statement. I was told by Synchrony that PayPal would be able to resolve the rewards transfer issue, but the PayPal representative ultimately transferred me back to Synchrony. 

I wrote to Synchrony on XX/XX/XXXX and again on XX/XX/XXXX explaining the issues that I had experienced but have still not heard anything back from them. The {$170.00} in rewards has still not been transferred to PayPal as attempted on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I got a loan for {$1000.00} ON XX/XX/XXXX ... received a payment schedule showing when I had to make my payments for fixed amount of {$210.00} every two weeks .... that would be a fraction for principal and the rest for interest .... the more payments I complete the less interest I was suppose to paid ... So because of that I made a payment to the principal amount on XX/XX/XXXX for {$400.00}, and then moved my 1st payment to today 's date ( received and email with confirmation of the payment date changes ) so I made my payment today for {$230.00} which included {$210.00} plus late fee, so when I called Big Picture Loans to find out how much would be my pay off amount I was told that I own {$610.00} because my payment for today was all for interest ... but the payment schedule I received does not show that any payment will go full to interest ... I want to pay the money I own but I can't afford making payments of {$200.00} and over just for interest. 
This is the schedule I received but the account I does not show any update after {$400.00} payment made to principal Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$57.00} {$210.00} {$150.00} {$940.00} Regular Current XXXX XX/XX/XXXX {$940.00} {$46.00} {$210.00} {$160.00} {$890.00} Short 03 XX/XX/XXXX {$890.00} {$82.00} {$210.00} {$120.00} {$810.00} None 04 XX/XX/XXXX {$810.00} {$94.00} {$210.00} {$110.00} {$710.00} None 05 XX/XX/XXXX {$710.00} {$100.00} {$210.00} {$100.00} {$610.00} None 06 XX/XX/XXXX {$610.00} {$120.00} {$210.00} {$87.00} {$480.00} None 07 XX/XX/XXXX {$480.00} {$140.00} {$210.00} {$70.00} {$340.00} None 08 XX/XX/XXXX {$340.00} {$160.00} {$210.00} {$49.00} {$180.00} None 09 XX/XX/XXXX {$180.00} {$180.00} {$210.00} {$26.00} {$0.00} None I also attached an email I received where they stated that the agreement for new payment date WILL NOT change the original one, so why did they change the amount that was suppose to go to my principal? 
Please help.