23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I was using the SELF app today XX/XX/2023 because I have a credit card and a credit builder account with them. On their app, there is something called Rent and Bills, it states Get a credit boost by adding your rent payments and bills. It then continues to ask for your bank information using plaid so you can sign in and pick the bills you want to use for an additional credit score boost. After, and only after they take all your information and sign in to your bank account seeing all your payments and charges, they then ask you to pay a monthly subscription to get the boost. This is very deceptive and it is not right! I have pictures from the app. I proceeded to chat with SELF customer service in the app chat section, got a live agent and asked them to remove my information immediately. SELFs own agent responded with you will have to contact a different company! Called XXXX. I went to XXXX and their agent XXXX XXXX replied with Please know, your rent+bills account and self account was a separate account however, rent+bill is another feature that self offers. I see and I understand where you're coming from. For your rent+bills ( XXXX ) account I see that you don't have a subscription yet but I see that you already linked your bank account. I can delete your bank if you're not ready to use your rent+bills account. 

The add was on the app itself that listed my account details for my credit card, overview, options to make a credit card payment, and then the same type of list stated boost your credit with your rent and bills. This wasnt a little add with an XXXX. This was just listed nonchalantly as if it were apart of my credit building service. 


I didnt get to screenshot the last photo after adding my bank info and selecting the bills for the rent boost but take my word for it. They asked me now that they had my info, to please pay a monthly subscription premium of $ XXXXBut all the other photos are ones that lead up to that page and nowhere does it disclose that payment or purchase is necessary! Im sorry but im not going to add my bank details again just to get the screenshot of the company asking for money. Unless someone explicitly asks me from the consumer affairs.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Name : XXXX XXXX Account Number XXXX Late Payment Date : XXXX  XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I previously have contacted these companies regarding the late payments they're reporting on my credit report for validation of proof of the late payments. After several attempts no justification has been satisfied with this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I never had an account at XXXX. I just checked XXXX  closed 5 years ago in XXXX. Today I checked my annual credit report and find one error. 2 out of 3 were correct. I last checked my Experian report and see a fraudulent collection account on my credit report. I was involved in multiple credit breaches from XXXX and now this collection agency XXXX XXXX ; Original creditor : XXXX is reporting {$6700.00} in collections. I have freezes on all my credit bureau accounts. I also initiated a 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts from the FCRA. They put fraud alerts for one yearon all my credit bureaus when I originally seen the erroneous collection. Now Experian still reporting false information
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX Santander ( has been incorrectly reporting excessive amounts of repossession on my credit report. I have attached a screenshot showing three repossession on one vehicle when it should only be one for XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. 

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Product: Bank account or service

Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have called the ALLY FINANCIAL INC. AUTO Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for ALLY Financial Inc. XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed a whole bunch of hard inquiries on my credit report that I did not authorize. Here are a list of those inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. Nelnet, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. XXXX   continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, XXXX   re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for XXXX. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.
Product: Mortgage

My mortgage company is refusing to pay my property taxes out of my escrow account for tax year XXXX. In XX/XX/XXXX PHH Mortgage contacted the XXXX County Oregon Tax Assessor to get my property tax information as usual. At the beginning of XX/XX/XXXX, I received a tax notice from the county showing my taxes had not been paid. Per the instructions on my mortgage statement, I immediately mailed the notice to the mortgage company tax department on XXXX XXXX and it was delivered by USPS Priority Mail on XXXX XXXX. 

I began calling customer service on XX/XX/XXXX asking them to pay the taxes immediately. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. 

On XX/XX/XXXX I filed a complaint with the Oregon Department of Consumer & Business Services. On XX/XX/XXXX PHH sent me a letter saying they would provide a written response to that complaint by XX/XX/XXXX or notify me if a 15-day extension is necessary ( they have done neither as of XX/XX/XXXX ). 

On XX/XX/XXXX PHH sent me an email stating that they had paid my property taxes for XXXX. On XX/XX/XXXX the PHH website showed they had paid no XXXX taxes but had already paid XXXX property taxes and debited my escrow account. On XX/XX/XXXX I confirmed by email to XXXX   County Tax Assessors that they had not received any tax payments yet for my home. Today on XX/XX/XXXX I tried calling 4 different numbers for PHH mortgage and all of them say there are no customer service representatives available and then disconnect. I tried emailing the account that emailed me saying the taxes had been paid and received an auto-response that they would try to reply within 10 days. The Escalations Manager at PHH who worked on this is named XXXX and her direct line is supposedly XXXX ext XXXX.
Product: Credit reporting or other personal consumer reports

I have been solicited for the Amazon visa credit card multiple times. Today, I filled out the pre qualification form, and although I was pre qualified, decided I didn't want another credit card so never followed through by submitting the application. Within 10 seconds, ALTHOUGH I DID NOT APPLY, I received a notification indicating I was not approved. 

That means there's a hard pull on my credit reports which will lower my score just when I'm trying to rebuild my credit. 

I don't understand how this could happen ; perhaps a technical glitch in Chase Banks system? 

In any case, I can't reach anyone on the phone but am filing a formal notice of appeal to have this hard pull removed. 

Although I dislike having to say this again, but I did not submit an application for their Amazon credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous attempts trying to resolve this with an Equifax manager and two different representatives. What they ended up doing is removing my maiden name used for my credit file when I specifically asked them not to. I never gave consent for this and when I tried calling the manager he said that it can't be undone. Imagine that! A mistake they made It can't be undone.I had originally asked them to remove a name on my credit file that was never me XXXX XXXX they did that and removed everything beyond my current legal name.also XXXX  XXXX or my mortgage lender can not pull up my credit score from Equifax because they are getting an error code XXXX. When I brought this up to their attention they said there's no blocks and nothing preventing anyone from pulling my credit from Equifax.why is it then that neither XXXX  XXXX or my mortgage lender can not pull credit? This company is nothing but incompetent and a disappointment.I find it hard to believe that the government even allows this company to continue existing especially after all the breaches they've had.Never have I experienced such an incompetent group of people who have no solutions or no resolutions to even begin to look into what I'm requesting them to fix. I spoke to them last Friday XX/XX/XXXX and a couple of times before in the same week.I want my previous maiden name restored back on my records and I also want the ability to have creditors or mortgage lenders pool my credit score for confirmation as I'm trying to obtain the mortgage loan. Their lack of resolution and customer service is unacceptable. To top it off I can't even create an account because it says that I don't exist. Whatever it is they did to mess up my credit file they need to fix it.
Product: Credit reporting or other personal consumer reports

Trans Union is blocking my legal access to my credit report. This is causing serious issues with my life. Spoke with Trans Union again on XX/XX/23 explained the situation and they removed a freeze off my account an guaranteed that I should be able to access my account. Again Trans Union lied. If this is not resolved immediately I will seek counsel and sue Trans Union
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED UNDER MY SSN.I NEVER APPLIED FOR CREDIT WITH THESE COMPANIES.I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT.PLEASE REMOVE THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # 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 an 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. 

XXXX knows this information posted on my credit report is incorrect. 

XXXX can not produce loan agreements with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of 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.