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

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved.

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. 

I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? 

It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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

I have 2 cards with XXXX XXXX XXXX and Stein Mart. The XXXX card limit was a XXXX and the Steinmart Credit card limit was XXXX. I never missed a payment nor was I late. I have since paid the cards off in full. Synchrony Financial lowered both of my card limits to XXXX. In addition, I did not give them permission to check my credit whether its a soft pull or hardpull. I received a letter 2 weeks later notifying me of the credit decrease which XXXX XXXX  has pull my credit without my knowledge. This is unacceptable when someone is doing their best and making the payments on time. This is deceitful to the customer
Product: Checking or savings account

Navy federal would charge me for insufficient funds or over draft fees and the money was there they would do it after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

My name is : " XXXX ( first name ) XXXX ( middle name ) XXXX ( last name ) ''. I am in the process of getting a mortgage and Experian will not report a score for me. Both XXXX and XXXX are reporting a score for me. I called Experian and after spending over 3 hours on the phone with them they can not solve this problem. The reason they are giving is that my last name only contains XXXX letter and their system can not register only XXXX letter as a last name! They even said I should I should add a letter to my last name! This is insanity and goes against every right I have as a citizen. They are basically stealing my identity by not giving me my identity. There are many people in the XXXX with XXXX letter last names so Experian is not recognizing these people. I ask that you tell Experian they must resolve this issue or face harsh consequences. Here is the rest of my information : SS # XXXX. Address : XXXX XXXX XXXX ; XXXX XXXX, NY XXXX. My date of birth is XXXX/XXXX/1988. I can be reached at XXXX. I am attaching my Social Security card and Passport as proof of my identity. Thank you for your time and I look forward to your response.
Product: Credit card

I held this credit account since XXXX  ... .it was one of the foundations of my credit history, it gave my Credit Score strength. Two Decades of credit history in addition to about {$20000.00} worth of available credit that I have used for balance transfers or large purchases. Over the past years I have been trying to pay down my revolving credit and ended up carrying a XXXX  balance for a duration that was seemingly unacceptable to Chase Bank. The company claimed they attempted to notify me in writing ; via a letter I have no recollection of receiving. Especially if their letter was plain looking or perhaps resembled junk-mail or a basic credit card offer... I throw those away constantly. I have no e-mail from them warning of eminent account closure ... ..I have no text message warning me of eminent account closure ... just their word they sent me a letter that I never saw. They use my e-Mail address to send me Marketing materials, but they can't send my e-mail a warning of eminent account closure!!!!!!! What kind of double standard is that!!!!! I have been harmed by this action ... my FICO credit score dropped by XXXX points upon the Closure of this 20 year account. Prior to this happening my credit score was in the XXXX... .now its in the 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. 
AXXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

i checked my report and noticed i had inquiries on there that i didnt recongnize or authorize 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

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to TransUnion, XXXX to remove the account, along with the letter from XXXX XXXX  stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

TransUnion- Has yet to even investigate this - Its still showing on my report as well as showing as a Derogatory account. The account should be deleted immediately. 

XXXX- changed the account from derogatory to paid- did not even update the account to show there was a dispute, and the account is still showing on my credit report. This needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, Lexis Nexis and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
Product: Credit reporting or other personal consumer reports

I am disputing this account due to inaccuracies in its reporting. This account is classified as a collection/charge-off, yet it shows a past due amount on my credit profile. Additionally, XXXX XXXX has reported to the IRS that they received a tax break for this account, but I have not received a 1099-C, which raises concerns about false reporting.

Its not permissible for an account to be both a collection and a charge-off simultaneously. Furthermore, it is illegal for a closed account to continue reflecting a charge-off status. My accounts have been showing charge-off status for the past XXXX years, which is also unlawful. 

Please remove these inaccurately reported accounts : XXXX Equifax XXXXXXXXXXXXX**** and XXXX  XXXX XXXX as well as XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX | do not have a contract with XXXX XXXX  ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )
Product: Vehicle loan or lease

My vehicle was in an accident several months ago and declared a total loss. For the XXXX insurance to pay the amount owed to the lender, they require a payment history. When you log into the account, it states that no payments have been made. Daily calls to RumbleOn achieve promises that the history would be sent by email. It never comes. It is not in SPAM. Multiple email addresses have been given to RumbleOn, yet nothing ever comes showing the payment history. 

RumbleOn is reporting the debt as late with the credit bureau despite receiving notice that the vehicle is a total loss and will be paid by the insurance. It is RumbleOn causing the delay in receiving the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a phone notification that I had applied for credit with Elan Financial Service, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion because i am a victumn of inquires placed on my account that i didnt not make or authorize, they told me they would not remove them, i need these taken off as it is unfair, not accurate, and simply need to be removed as they are not mine. I would like these removed asap, i recently called XXXX  and they removed everything false for me, idk why transunion is not doing their job to make sure my credit report is accurate.
Product: Money transfer, virtual currency, or money service

I initiated a transfer through WISE from my XXXX XXXX account on XX/XX/XXXX. I use this account to pay my bills as an XXXX XXXX member stationed overseas. The amount was for XXXX which converted to {$2200.00} and was withdrawn from my personal account on XX/XX/XXXX as shown in the statement. I kept checking the status and of course it hadnt completed in time for me to pay my bills. So I contacted WISE and received this generic reply that apparently others have experienced. I expect no movement from them on getting my money back unless they have a incentive to do so, which this complaint may provide.
Product: Credit reporting or other personal consumer reports

i was reviewing my report and noticed some inquiries that weren't mine.
Product: Vehicle loan or lease

The interest rate on my pre-owned XXXX XXXX XXXX XXXX XXXX %. I was told by the XXXX XXXX at XXXX XXXX where I purchased my vehicle that my monthly note would be $ XXXX and $ XXXX {$200.00} would go towards my interest and the rest would go towards the principle each month. I even verified this with the XXXX XXXX XXXX. 

Fifth Third doesn't have a way for auto loan customers to see how the payment is disbursed each month to verify the payment is being distributed as communicated and agreed upon. When I look at the app or website all I can see is the amount of interest paid XXXX and the interest accrued. When I called Fifth Third Bank they could not give me a valid reason why this information was not accessible electronically. I did request that they mail me an installment statement after I could see the total interest I paid last year was {$5500.00}. On average per month XXXX % of my {$1200.00} payment is going towards interest. This breakdown makes it impossible to pay down my principle and pay off my car earlier as I planned. This seems very illegal to take such a high percentage of my monthly payment and put it towards interest when my interest rate is only XXXX %. This seems off, inaccurate and fraudulent.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$640.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/year> regarding the late payment reported on my credit report for XXXX Account # XXXX. 

As a reminder, I believe these late payment was incorrectly reported, as they may not have been timely received or processed by the creditor. I referenced 15 U.S.C. 1666b in my previous letter, which requires creditors to provide consumers with billing statements at least 21 days prior to the due date before reporting a payment as late.

I have yet to receive verification from you regarding the accuracy of these late payment reports. I kindly request that you expedite your investigation and remove these inaccurate late payments from my credit report.

Thank you for your prompt attention to this matter. 

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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Product: Credit card or prepaid card

My cash app card kept declined and I cant XXXX for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N According to the fair credit reporting act 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 has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A States 2 : It also states a consumer reporting agency can not furnish an account without my written constructions.
Product: Credit card

Citibank offered to me as consideration a bonus valued at {$650.00} for signing up for their AT & T Access More credit card. More specifically, XXXX is to receive a {$650.00} statement credit on the purchase of a new cellular phone from the AT & T Company. In order to receive this statement credit, XXXX must take the following actions : ( XXXX ) Make {$2000.00} in purchases within three months of account opening. ( XXXX ) Buy a new phone from AT & T using a unique phone offer link that is provided on the cardholders online account homepage. ( XXXX ) Maintain service with AT & T for at least 15 days. ( XXXX ) Pay a {$95.00} annual fee. 

I made a good faith effort to satisfy all of the above conditions. There was a computer issue on part of Citibank and AT & T that prevented me from satisfying conditions XXXX and XXXX of the Citibank 's offer. Specifically, when I attempted to purchase a phone and sign up for AT & T using the offer link that Citibank provided, AT & T rejected my order on grounds that it could not verify some information regarding my identity that they obtained from a credit bureau ( I made no mistake in submitting my correct information ). Additionally, AT & T made no attempt clear the confusion it was having in regards to the discrepancy in the information that it received from the credit bureau that it deals with ( i.e. requesting a copy of my driver 's license and a utility bill ). 

I XXXX contacted AT & T to get them to reprocess the order. The representative that I spoke to stated that it is AT & T 's policy to refuse to reprocess any cancelled orders made online. Furthermore, he stated that my best option is to visit an AT & T store in-person and purchase a phone in-store. This route would be seamless. However, buying the phone in-store does not coincide with Citibank 's offer. 

I figured that the best way to remedy the situation was to go back to Citibank 's webpage and enter a new order, this this time in close correspondence with AT & T to make sure there is no confusion regarding to information about my identity. Only now, the offer link had disappeared from Citibank 's webpage. 

I contacted Citibank. The supervisor that I spoke with there, named XXXX XXXX XXXX XXXX XXXX, stated that Citibank 's computer system had no way of regenerating an offer link for me to use and that Citibank would not grant me the statement credit if I were to purchase a phone in-person. 

Overall, the problem is that Citibank designed a poor platform and has poor cooperation with is partner AT & T. It refuses to take any reasonable course of action to resolve the issues. I would be happy to buy a phone in-store and submit to Citibank proof of my purchase. Purchasing a phone via this route does not change Citibank 's economic stance in any way. Instead, I 'm left not knowing what to do, and Citibank is now better off economically by {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of EducationXXXX XXXX reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my XXXX & TransUnion report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX security systems sent an overdue Bill to trans union collections. This obviously ruined my otherwise spotless credit report. The bill from XXXX actually belonged to wife per our divorce decree which I tried to explain to XXXX several times. All they did to fix it as I was promised was to suspend the account and then finally, without my knowledge, sent it to Transunion collection. This ended up happening m my otherwise spotless credit report dropping my score from the XXXX to XXXX, taking me completely out of the game to borrow any money, etc. Although the bill wasnt mine, I paid it and now they wont take it off my credit report- help!
Product: Mortgage

I have a mortgage with Sun Trust Bank ( Mortgage # XXXX ) that was issued in XXXX 2015 that includes escrow payment. I was therefore shocked to get a delinquent taxes notice from the county on the same loan for {$2700.00}, plus penalty and interest payments for {$130.00} ( total {$2800.00} ). 
I called Sun Trust to complain about the late payment assessment in XXXX, I was transferred to several people, and none of them were able to provide a reason why a loan with an excess escrow balance could be assessed a delinquent tax penalty. 
Sun Trust then sent me a statement and check ( for {$2500.00} ) one week after I complained about the delinquency assessment stating that my account has excess escrow payment in it. 
I called Sun Trust again today XXXX XXXX/XXXX/2015 XXXX to follow up on the matter, and after over 1 hour of being transferred to several employees, none whom were still able to explain the delinquent penalty of {$130.00}. They finally tried to claim that it was my fault because I should have been following up with taxes authorities to make sure that property taxes were timely paid. Is a mortgagor responsible for timely payment of escrowed amounts for a non-delinquent mortgage?