23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
I need these items Removed ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 my bank paid out a huge sum of {$12000.00}. to a scammer without calling me to verify if this check was indeed made out by me. The check was originally cashed/deposited into the scammers bank ( XXXX  XXXX XXXX XXXX then XXXX collected funds from my bank ( NewYorkCommunityBank ) without issue! Ive banked with NYCB for 30 years. My history shows that I do not write checks for this amount. Certainly this was an unusual check. Certainly, the check was tampered looking, made out to some random woman for " school books '' and the date inserted was oddly written in and my " signature '' was TRACED and done poorly as the scammer kept tracing over the name several times! Many red flags which my bank never questioned. Other banks ( XXXX, XXXX and others ) which I and my family deal with will CALL us to VERIFY such questionable checks but my bank did not! During this time I was ill with XXXX and on strong medication, sick and unable to address my bank statement within those months. My bank now claims " no liability '' to me as they claim that I was " late '' in reporting such issue. I DID actually report this issue to my bank within 28 days of my statement as I hadnt begun restorative health until then! I state to NYCB that " Illness is NOT negligence ''. XXXX  is serious and XXXX. I reported the issue to my bank within the month that my statement came and I am a XXXX XXXX XXXX XXXX XXXX XXXX Bank defers their own egregious negligence to spotlight my inability to do " business as usual '' due to my disabling bout of XXXX. NYCB also irresponsibly " passes the buck '' and refers to XXXX  XXXX XXXX for my restoration, as if NYCB has no liability in this case, which is completely false. NYCB has stolen my retirement money as I am without a husband or children. I am a victim twice. Once from the scammer and now from my own bank. I request every penny be restored to my checking account in full. This issue is causing me great stress, no sleep or eating, XXXX and further deteriorating my health.
Product: Credit reporting or other personal consumer reports

I noticed three inquiries on my Experian credit report placed by XXXX XXXX on or about XX/XX/23. Although these were soft inquiries, the simple fact is that I have never -- yes, never -- authorized XXXX XXXX access and have never even applied or inquired about any services XXXX XXXX offers. XXXX XXXX accessed my credit reports illegally with no permissible purpose at all. 

I contacted XXXXXXXX XXXX for an explanation, and they referred me to XXXX. I spoke with a woman from XXXX multiple times, but she was incompetent and dishonest. She stated they would remove the inquiries, but they never did. She stated they would call me to discuss the issue, but they never did.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding fraudulent credit inquiries that have been added to my credit report. These inquiries were made without my knowledge or authorization, and despite my repeated attempts to dispute them directly with Experian, these unauthorized inquiries have not been removed. 
I am a victim of identity theft and have filed an FTC Identity Theft Report to substantiate my claims. I have submitted multiple written disputes to Experian, requesting that these inquiries be removed, but they remain on my credit report. 
Below are the fraudulent inquiries I am disputing : Unauthorized Inquiries : XXXX XXXX XX/XX/year> I have contacted Experian directly and requested the immediate removal of these inquiries. Despite this, Experian has failed to properly investigate the matter or remove these unauthorized inquiries from my report. 
Additionally, I have already escalated this issue to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), but I am yet to receive a satisfactory resolution. 
Complaint Details : I am a victim of identity theft and have filed an FTC Identity Theft Report as supporting documentation. 
Experian has failed to remove the unauthorized inquiries despite my written disputes. 
XXXX XXXX made an inquiry without my consent on XX/XX/year>, and I demand that it be removed immediately. 
I have already escalated this issue to the FTC and CFPB, but Experian has not addressed it adequately. 

Additional Information : Supporting Documentation : Attach your FTC Identity Theft Report and any relevant communication with Experian regarding the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to EXPERIAN on XX/XX/2020 and it has never been resolved or completed. They do not allow you to view details of the dispute or contact information to inquire regarding the status and amount of time it is taking to complete. At this point, it is well beyond an acceptable amount of time to complete the investigation into my dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

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

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Old enquirers from 2017 that I didnt take out
Product: Checking or savings account

( Orig. claim # : XXXX ) I spoke with a lawyer on XX/XX/XXXX to help further my ability to recoup my lost/missing/stolen SunTrust checking account funds. While the missing funds may well be a banking error, I lawyer advised that the funds could be missing due to bank theft, and that since this is my first experience with possible financial crime, so I did not realize that this would need to be a criminal report, not a fraud report ( as originally filed w/ the police about 2 weeks ago ). The lawyer advised that I contact the XXXX Police Department again and amend my incident report from " fraud '' to " theft by taking, '' since Suntrust can not explain the discrepancy as to why the account balance is {$1500.00} less than it should be and note that this is a breach of their contractual duty and failure to perform. '' I named SunTrust XXXX XXXX Branch Manager XXXX ( located at 1 XXXX XXXX XXXX XXXX, XXXX, GA XXXX, tel : ( XXXX ) XXXX ) as the representative of SunTrust. ( Ms. XXXX XXXX reviewed my checkbook register which covers the time period from XX/XX/XXXX - XX/XX/XXXX and did not note any errors in my calculations. ) Today ( XX/XX/XXXX ), on the lawyer 's advice, I  will be filing a claim in XXXX County Small Claims courtmy first and hopefully my last. I am newly retired and extremely cautious with my money, which is why Im fighting tooth and nail to get it back from SunTrust, who has been incautious with it and caused me extreme duress on top of the stress of living without my money which has required dipping into an emergency fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

XXXX 1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

When I logged on to XXXX Its not letting me look at my credit report at all. Like they blocked me from looking at it.
Product: Credit reporting or other personal consumer reports

Where to begin with this XXXX XXXX XXXX company?! Each time I submit a dispute, the results are " ready for review '' in less than 30 days and they always find " no fault '' relative to the companies that provide information relating to products I have taken advantage of ( i.e. credit card companies/and or banks ). When I submit disputes against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , they always provide the same blanket statement that " the incorrect information has not been removed from your credit report '' which is ILLEGAL! If an account is over 7 years old, then why are REFUSING TO REMOVE IT?! If an account contains incorrect information, and I upload physical documents to support my dispute, then why are you REFUSING TO REMOVE IT? Not to mention, within the last year my credit score has dropped almost XXXX points based on the systematic and erroneous processes that are in place to systematically XXXX consumers over by attempting to automate actions that require human follow up and review. For example, at the beginning of the month my credit score always increases between 3-5 points and then 3-5 days later without rationale my credit score decreases XXXX points based. My credit then continuously fluctuates throughout the month, even when creditors are not reporting information. There is no real way to address these significant issues as customer service is a clown show and it feels pointless to waste time calling customer service. Not to mention, I have had instances when my credit score decreased almost XXXX points and I was not notified. For example, on XX/XX/XXXX, my credit score decreased by XXXX points, then on XX/XX/XXXX my credit score decreased XXXX points and I was not notified of these significant change, on XX/XX/XXXX my credit score increased by XXXX points, then decreased by XXXX points on XX/XX/XXXX, then on XX/XX/XXXX my credit score decreased XXXX points, then on XX/XX/XXXX my credit score increased XXXX points, and than on XX/XX/XXXX it decreased by XXXX points! THIS IS INSANE AND SEEMS LIKE EXPERIAN HAS SIGINIFICANT GLITCHES IN THEIR ALGORITHM AND DOESNT HOLD ANY COMPANIES WHO ARE RESPONSIBLE FOR REPORTING ACCURATE AND CORRECT INFORMATION ACCOUNTABLE AS THEY SERVE AS AN ENTITY THAT ENSURES THE ENTITY REPORTING THE INFORMATION BENEFITS AT ALL COST!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017. {$16000.00}, Fraudulent account from Bank of America
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts.

Charge Off XXXX XXXX  - {$0.00} ( XXXX & XXXX ) XXXX XXXX - XXXX - {$22000.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX XXXX  - XXXX - {$26000.00} ( XXXX  ) Inquiry XXXX XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been harassed via postal mail from address XXXX XXXX XXXX XXXX XXXX, MN XXXX multiple times, as I refuse their mail sent to me due to the fact that I do not know who this corporation is and after refusing their mail multiple times they keep harassing me. I do not accept mail from corporations, people I have no business or contract with. After making it clear to them that I do not understand or know who they are or what their intention is, to please cease all communications with me unless they can identify themselves properly or send some type of verification that I have a contract or know them on a personal level. They do not, they just keep sending mail with fake seals, pretending to be government entities trying to induce me under the color of law, which is a crime, as I mentioned before I do not know these individuals or what their intentions are, obviously its FRAUD.
Product: Credit reporting

I 'm making a complaint against the incompetent organization, TransUnion. I 've provided the proof required to show that they are reporting XXXX different public records incorrectly and I am including a copy of my credit report in the attachments ( see page XXXX - public records ). 
Here is the body of my letter to TransUnion : XXXX XXXX XXXX All XXXX bureaus have the wrong open date for this account and how can the correct open date be XXXX/XXXX/13 and XXXX/XXXX/13? Not possible. You also have the date that this account went negative incorrect. I need for you to send me the proof immediately or it needs to be removed. 

XXXX Recorder of Deeds XXXX # 1 you have " paid tac lien '' as the title of this one - what is that supposed to mean? 
# 2 you have `` county clerk '' for the court - which county clerk? 
# 3 I 've already made complaints to the CFPB and I 'm including this with my letter! 
# 4 the filing date that you have is not right - unless you have the paperwork to prove this, I need for you to remove it US BK CT XXXX # 1 you have the wrong filing date # 2 you have " us bankruptcy court '' - which bk court? Which city? Which state? 
# 3 the docket # that you have is not complete
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX 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
Product: Student loan

I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$340.00} & XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. XXXX XXXX XXXX  has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX, Illinois, for the total amount of {$2200.00} purchased through XXXX XXXX XXXX XXXX, Phone # XXXX. I was told by XXXX  that I would have 18 months to pay this off interest free. After 18 months, I would begin to pay interest on the amount unpaid. I agreed to this. I paid {$77.00} per month for 18 months and on XX/XX/XXXX, I received a statement where XXXX XXXX XXXX XXXX added an interest charge of {$340.00} for the 18 months previously. I called Wells Fargo on XX/XX/XXXX and disputed the charge. I talked to XXXX from the Executive Office at XXXX XXXX XXXX XXXX   and was given the name of the Executive that would be helping me find a resolution to this charge. His name is XXXX XXXX I was given a Case # XXXX. On XX/XX/XXXX, I called Wells Fargo to check the status of my case. I talked to XXXX. He stated that he would be sending an email out to XXXX. Still no response. On XX/XX/XXXX, I called Wells Fargo again and spoke to XXXX. XXXX   states that they can not help me because I agreed to the terms. My argument was, that I did not agree to pay on interest that was deferred for 18 months, and that I had agreed to pay the interest after the 18 months.

I feel that I was incorrectly informed regarding how the interest rate worked and can not agree with their resolution of writing off the interest and paying the remaining balance of {$1100.00}. I could not afford the XXXX XXXX then and I can not afford to pay the balance in full. That is why I agreed to pay in monthly installments.

Anything that you can do to help me financially would be appreciated.

Thank you for your time.
Product: Consumer Loan

Mercedes leased a car to me and they refuse to credit me with XXXX {$600.00} payment made to them through bill pay XXXX. I have send proof and more proof on six different occassions they refuse and are hurting my credit by reporting me 90 days late.