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

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a XXXX party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XX/XX/XXXX - XXXX ( Finance ) 2. XX/XX/XXXX - XXXX ( Finance ) 3.  XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX/XXXX ) 5. XX/XX/XXXX - XXXX/XXXX ( Bank )
Product: Checking or savings account

I've been expecting my company paycheck to be direct deposited since Thursday, XX/XX/XXXX, and I'm also expecting a loan deposit into my savings account from XXXX as early as today. I desperately need both of these in order to make deposits on my new apartment so that I can move. However, since yesterday I'm getting a message, both in the app and on a recorded message that they are experiencing " technical difficulties '' with a " third party vendor ''. They eventually sent out an email saying all should be remedied soon, but when I try to call to make sure they know that my account was once of the affected account I get cut off after going through the 5 minute gauntlet of confirming my account! This has happened four times!!! And there is no other way to contact them!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding an ongoing issue with inaccurate information on my credit report. Despite multiple attempts to dispute the errors and request corrections, I have received repeated responses stating that the incorrect account remains on my credit report and will not be altered. These responses are causing significant confusion and distress, as the information in question is incorrect and negatively impacting my creditworthiness. I have received several dispute responses from Experian confirming that the incorrect account will not be removed or corrected. I believe this issue violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy and completeness of the information on consumers ' credit reports. I am concerned that the failure to correct this error is adversely affecting my financial standing.
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 XXXX and 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, credit repair services, or other personal consumer reports

My identity has been compromised due my belonging being stolen and also through the XXXX data breach and my credit has been negatively affect. I've sent documents to get this fixed but had no luck. I can try and get prior police reports beside the current one I've filed. These are not my accounts. 
Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH cXXXX XXXX and 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 reported in XX/XX/2019 to be removed. 

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. 


XXXX 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! 

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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i filed a dispute last month with experian and they deleted all inquiries and adverse information from my credit file.Only to discover by checking my recent report and some adverse information reappears on my credit file. this goes against the FCRa and its a violation of my consumer rights. i want them to delete all personal information that i requested plus the repossession on my credit file or i will be seeking damages.
Product: Credit reporting or other personal consumer reports

Subject : Complaint 3 Main Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ) On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I was wrongly charged with a hard inquiries of a on my credit profile that I was not aware of. The cause of these numerous occurrences is creating a hvac towards my credit health. I filed for a dispute of the charges of XX/XX/XXXX and the XXXX, Equifax and XXXX said its accurate but it is not. This reflects the reputation of my dignity on how I look in the eyes of different lenders, banks, and other companies. Despite my efforts to resolve this issue directly with XXXX, I have not received a satisfactory resolution This issue has caused me to miss opportunities due to the point deduction system. The file of the inquiry lowered my score tremendously. I become a liability in the eyes of lenders as multiple inquiries as a sign of financial instability or increased credit risk. Which is not the case in this situation. It is not fair I have to wait for 2 years to get something off on my report that I was wrongly charged of and the wrongdoing was reported without my consent. Lastly, this affects my approval changes. I may be looking to get a new apartment, car, or loan but due to this inquiry it will be a hindrance for me to fulfill my possibility of doing that. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Amex offers a feature on their charge cards called 'Plan It ' in which customers can select certain charges to be paid off under a " plan '' which is essentially installments for a fixed duration. 

Once a customer has a Plan in place, when they go to pay their statement balance, they have a new type of balance call " Adjusted Balance '' which includes the balance for charges made in the billing cycle, plus the Plan principal and fee. 

Amex states, plans can not be cancelled after they have been set up but you can choose to pay them early by paying the New Balance shown on your most recent billing statement in full. If you pay a plan off early, you will not incur any future plan fees on that plan. 

If you pay more than the Adjusted Balance, but less than the New Balance, Amex applies the excess payment to the Plan principal. HOWEVER, Amex then adjusts the monthly installment due on the plan to force the plan to go to the full duration ( i.e., the excess payment does not reduce Plan fees because Amex adjusts the Plan installments rather than keep the installment the same and allow early payoff ). This is highly deceptive - if I pay more towards the principal of any other installment loan, I effectively pay the loan off early and pay less interest, however, Amex structures the Plan It so this is impossible. No where on the website does it disclose this information.
Product: Credit card or prepaid card

I submitted a complaint to CFPB, Discover along with credit reporting agencies. The company responded to the complaint but never addressed the issue. I presented feedback after the complaint. Discover continues to report my account paid/charge off. This ACCOUNT WAS NEVER A CHARGE OFF! This was a secured SECURED credit card. I reported lost and stolen. The company continued to charge late fees. Is it customary to continue to charge late fees passed the secured amount knowing its a secured card. Is it customary to not close the account when reported lost, they never sent me another card! Im requesting validation after it was reported lost that they sent out another card. If they did send another card then why did they continue to charge late fees? I paid the full amount because it was on the credit. This is so minor if an issue. I paid the account knowing that one of their employees didnt complete the cancel on the card! However, they still cant provide evidence they even sent me another card. Its A SECURED CARD I PAID! Provide validation that they sent a new card if my account was still open. Provide validation that I used the card after reported.
Product: Credit card

Yes on XXXX XXXX I received a text message of my credit card Bank of America regarding If i was trying to make purchase to the amount {$110.00} saying it made be a scam. So I immediately say no then went to the app ; and then app says no purchases cant go through with the credit card. And it suggests that i call BOA so I did. I dispute the charge, they credit back the small amounts that I got charged of the same merchant but the big XXXX of {$110.00} went trough. They send me a document saying the reason it went through and supposedly that I used my credit card physically ( although impossible because the merchant is in XXXX ) and I live in XXXX XXXX. Or I sign the document of the merchant. And note that I have that card back home whenever I travel & always used it for XXXX, airlines. Or i used my XXXX XXXX but never physically outside of XXXX XXXX. 


I call again so they can reopen the case but the person who I talk to she told me it can take XXXX to XXXX billing cycles to get resolved. So how its my problem if I answer the text messages saying it was not me, I immediately call when I saw that charged saying it was not me. And they said it still went trough. 

Thats why I decided to write you since its unbelievable that the day before that happened XXXX of my other credit card was having fraudulent charged and I call immediately and they resolve my case. And then the next day this BOA happens. And they dint resolved very well or didnt do the Investigation properly.

Again thus the reason Im reaching for you guys and help. Thank you
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} FCO ( Original Creditor : XXXX XXXX AT THE PARK ) XXXX {$4900.00} XXXX XXXX {$790.00}
Product: Checking or savings account

account - blocked for no reason. 

My account was blocked after a debit card purchase ( with pin entry ) at XXXX in the XXXX XXXX XXXX XXXX XXXX 

Ive reached out to the fraud department on multiple occasions and I was advised that my account is under review and would be resolved with XXXX hours. I was advised that this review started on XX/XX/XXXX at XXXX. 

So now it is over the XXXX hour mark, and I am looking to seek legal action due to mismanagement of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Please see attached am issue I brought to the attention of Chase Bank, Executive Office, the email is self explanatory and I won't waste your time duplicating my issue here. In response, I got a call from XXXX # XXXX his extension was XXXX. In a nutshell, he said that they won't be honoring my request, EVEN though they messed up by 1 ) unilaterally stopping my paper statements and allegedly emailing an old, defunct email they had on file from 2 decades ago. 2 ) They also messed up by illegally reversing my VALID credit card dispute and then not bothering to notify me. 3 ) To add insult to injury, they then reported me as being delinquent to the Credit Bureaus! I have paid through my nose for an illegally reversed CC dispute, I have paid fees upon fees, all that is just money. What REALLY makes me sick and really DAMAGES me is the adverse credit reporting, which 'll cause me THOUSANDS in damages. Please, PLEASE see how you can influence a POSITIVE outcome. Thanks! 

XXXX
Product: Debt collection

I just made a complaint about this company on XX/XX/XXXX, they replied to it on XX/XX/XXXX, stating they apologized, they will no longer make contact or attempts to collect this debt. I also have their original letter dated XX/XX/XXXX that states : TEXAS RESIDENTS : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW. Well, after I disputed with them, filed complaint with CFPB and they said they would no longer attempt to collect, they put 3 amounts of debt on my credit report!! I was notified of this today. This is unethical and needs to be deleted from my report immediately. I do not have any negative items on reports until now with this bogus debt that was not my fault. I gave insurance to hospital, they billed and got paid. The physicians billing failed to do so. They have broken so many laws at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. I have tried to dispute it online via the paid subscription service I have and via mail. EVERY REQUEST I MAKE FOR A DISPUTE IS BEING CLOSED BY EXPERIAN. AS OF TODATE EXPERIAN HAS CLOSED 25 COMPLAINTS I HAVE SUBMITTED. ALL IN REFERENCE TO THE FRAUDULENT ACCOUNT XXXX/XXXX  XXXXXXXX XXXX. THE CONSUMER FINANCIAL PROTECTION  BUREAU COMPLAINT PORTAL DISPUTES ARE CLOSED THE SAME DAY I DISPUTE THEM. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX  TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX  AS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft. I recently received my credit report and learned that my personal information was used to open up an account at a XXXX this false information is damaging my credit report. I did not open or authorize this account and I therefore request that XXXX absolve me of all charges on the account and you take all appropriate steps to remove this information from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Risk solutions reporting incorrect information they are stating on my report that on  XXXX   XXXX   XXXX  I was involved in a minor moving violation. All I have to say is show me the proof since they are reporting this.    2.also the y are reporting that on  XXXX   XXXX   XXXX  I was involved in a at fault accident also since they are reporting this there should be a police report again she me the proof. I wanted to point out that in both instances are false statements that are affecting my insurance premiums
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and used to open credit without my knowledge. now it is ruined me i am doing this in hope to get all straighten out i can get my credit in order have been a victim of identity theft.
Product: Mortgage

I believe that Ocwen Loan Servicing is attempting to commit mortgage fraud. I have asked detailed questions as it relates to my mortgage and Ocwen Loan Servicing evades my questions about the mortgage on my property. I am a XXXX XXXX and has submitted XXXX RESPA requests to Ocwen Loan Servicing since 2013. Please help.