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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXXF XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I am writing to urgently dispute an error on my TD Bank credit account that incorrectly shows less than 100 % of payments made on time, thereby affecting my credit score. Despite TD Bank 's commitment to resolve this, the issue remains unaddressed. 

I opened my TD Bank credit account on XX/XX/XXXX, with a credit limit of {$500.00}. My most recent statement inaccurately reflects 96 % of payments made on time, when it should read 100 %. This discrepancy centers around the last recorded payment date of XX/XX/XXXX. My account statement confirms an amount past due of {$0.00} for that date, indicating that no payment was actually due and therefore none was missed. 

The origin of this issue was a miscommunication from a TD Bank representative, who incorrectly informed me of a payment issue on my account. Upon my immediate request for clarification, it was verified that no charges were pending and no balance was owed. I was assured that this error would be corrected, but my credit score continues to suffer. 

I respectfully request the CFPB to expedite an investigation to correct this error and restore my credit history to its accurate 100 % on-time payment status. I am willing to provide any additional documentation or information as needed
Product: Credit reporting or other personal consumer reports

XXXX  has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about XXXX years. and they have failed to create a credit score for me. Applied for the XXXX Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with Experian, XXXX and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called Experian who said that XXXX as not reported my credit score. I called chime and they asked me to take it up with Experian. 

On talking with Experian, they said I can't dispute something that is not there on my credit report.
Product: Checking or savings account

I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called and said they were from a Certificate of Deposit under the business name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not provide any other information and he stated he could not put that in an email as requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.
Product: Credit card

Victim of the PayPal credit scam. Found the evidence on my credit report as an inquiry. I had no intent of applying for credit and due to certain obscuring tactics, PayPal initiated a credit inquiry without my consent or digital signature. My credit report shows I have no credit score because I stopped using credit 5 years ago.
Product: Vehicle loan or lease

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Items information below : XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  XXXX {$21000.00}
Product: Mortgage

On XXXX/XXXX/XXXX I made a payment to XXXX XXXX. This mortgage was then sold to XXXX XXXX mortgage company on XXXX/XXXX/XXXX. XXXX XXXX does not show that I made a payment on XXXX/XXXX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from XXXX XXXX showing that the payment was received. XXXX XXXX is saying that XXXX XXXX never forwarded them the payment. I have reached out to both XXXX XXXX and XXXX XXXX several times over the last two months and have not gotten any response.
Product: Debt collection

I previously submitted complaint XXXX. Credence Resource Management was attempting to collect a debt for XXXX XXXX XXXX that is not mine. In that complaint, I asked for verification of the debt and a letter of deletion. I never received any such verification or letter of deletion. Credence has started calling me again. They called and I did not answer yesterday, XX/XX/2022. They again called today, XX/XX/2022, asking about a debt from XXXX & XXXX with an address in Arizona. When I talk him the account was not mine and I've never lived in Arizona, he continued to ask other questions. I told him not to call again and only contact me by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, XXXX and Transunion and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and Transunion did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. Transunion and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against Transunion, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and Transunion have a legal requirement to remove falsely reporting information and have refused.
Product: Checking or savings account

I submitted a claim against spirit airlines for XXXX charges. Both were the same amount XXXX dollars. XXXX for a XXXX flight and XXXX for a XXXX flight, both were to XXXX and impacted by the XXXX and had to be canceled. XXXX refused to refund the flight only pushing a voucher which I did not want. I filed a claim with the bank for the charges. The bank then closed XXXX of the claims and tagged it as a duplicate. When I called to question. This and Inform them it was not a duplicate they gave me an attitude. They admitted they messed up and it was not a duplicate but said they would not give me the temporary credit back and would add notes. When I asked for a manager I was put on hold at XXXX. The agent came back at XXXX and said they are done adding notes. I asked where the manager was I had asked for and they claimed the managers left at XXXX pm. I than said they did that on purpose and it was not acceptable. The agent refused to get a manager and hung up on me. They then closed my account a XXXX hours later for no valid reason. I have been a customer for almost a XXXX for this bank. They locked my debit card and online banking and will not give me access to my money. They blocked my attempt to withdraw my funds saying they will mail me a check when they finalize the closure. This is ridiculous as my rent is due and now I can not pay it. When I asked for a letter from them stating they were closing my account because of a bank decesion, and that they were with holding my funds they would not provide XXXX and said I would get XXXX in the mail when it is finalized. They have illegally with held my money and caused me to get late fees and possible eviction notice if the rent is not paid shortly. They did nothing to resolve the issue and kept saying it was a bank decesion and they dont have to give me a reason. This is unnaceptable and they have now caused me XXXX damage as well.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( " Permissible Purposes of Consumer Reports '' ), a consumer reporting agency is permitted to furnish consumer reports only under specific, lawful circumstances. Furthermore, the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of transaction histories or experiences between the consumer and the person making the report unless explicitly authorized by the consumer. Reporting such transaction history, including the alleged late payments, without my written consent is illegal and a clear breach of federal law. All Documents submitted to the FTC
Product: Credit reporting or other personal consumer reports

Carter-Young Inc placed a collection with Credit Reporting agencies for the amount ofXXXX as of XX/XX/year>. I never conducted business nor verified any information this company. I received emails and phone calls various times of the day night. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I have the right to dispute any information in my credit report that is incomplete or inaccurate.
Product: Debt collection

The reasoning for this letter is to dispute account " XXXX '' from the creditor " Check'n'Go '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile. This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
Product: Vehicle loan or lease

We purchased a XXXX Hyundai XXXX on XX/XX/2020. It was financed through Hyundai Finance Company, loan XXXX. 

We financed at 4.85 % an amount of {$18000.00}. Total of payments to be {$20000.00}. Our monthly payment per the Truth in Lending form is {$280.00}.

Since loan payment, Hyundai Finance has been charging us {$300.00} per month. I have called them now 3 times to dispute this and have it fixed, and each time Ive been told they are sending it to their rebooking group to fix as the paperwork they have also shows I should be paying {$280.00}. At this current rate I will overpay this loan by almost {$1000.00} if not corrected. 

This is something that shouldve been corrected in XX/XX/2020 when I made my first call about this error. I have tried unsuccessfully to resolve with Hyundai Finance three times now, so I am seeking a more formal resolution through this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion report I found that they were reflecting my credit card usage incorrectly. My credit card account had been extended from XXXX to XXXX. It had been that way for a couple months. So I called the card issuer and was informed that Transunion had been notified the same week the credit increase was issued. I then contacted Transunion via XXXX XXXX dispute. I asked that they correct the credit limit reflected on my report so that it would raise my score. 
Instead Transunion Deleted the only credit card I have from the report there by lowering my score .... 
I have tried to call them several time yesterday the 3rd and after 8 attempts I still could not get someone on a line that was not cutting in and out making the call in audible and ending in a disconnection from their end. 

We have so little control over these three companies and all our financial futures lie in there hands. The three should have higher consequences for situations such as this where they are holding up my prosperity ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint that I have had to file against Experian for attempting to re-age accounts and delay deleting accounts that have reached the 7 year statute of limitations. Experian has removed all Dates of First Delinquency from the accounts on my record that have reached the 7 year Statute of Limitations. I have attached a copy of my credit report from XXXX, 2022 and my current credit report. These actions are again FCRA laws. I want these accounts removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with the scoring of my credit my credit scores goes down when my balances is being decreased its happening frequently everytime I pay down a credit card or my car note my credit score goes down by XXXX points which I think its observed This is a copy of my XXXX report and the reason why it went down All cause I made a payment toward my car note We found 1 change to your XXXX here XXXX Credit score XXXX points since XX/XX/ Balance Decreased XXXX XXXX XXXX account balance decreased Between XX/XX/ and XXXX XXXX XXXX  your XXXX XXXX XXXX XXXX account balance decreased by {$600.00} from {$5300.00} to {$4700.00}. 
Good work! It looks like you paid down your balance. Lowering your total debt can have a positive impact on your score. 
View
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit reporting agencies.
Product: Mortgage

Loan Depot is applying my additional principle payments to interest instead of principle and posting the additional payments to future months instead of the current month which would reduce the principle and reduce the future months interest amount, this has a compounding affect which I am not benefiting from and they are in affect stealing! 

I have called them at least 5 times over 3 months ... each time they acknowledge the mistake and say they will fix it, it has not been fixed. I called them today, XX/XX/year> and again they said they would fix it, I do not believe them. 

This can not be legal, please interject and help me and others who are being taken advantage of.
Product: Debt collection

XX/XX/XXXX I attempted to open a credit card at a business. The customer service department for the business stated the credit card could not be approved because I had an XXXX XXXX account that was in collection. I never opened this account. After further investigation, I discovered that the account was being handled by Sunrise Credit Services for collection, and it was opened in XXXX of XXXX. I found the account had an invalid address on file, but they refused to give me more information about the account other than that the amount owed, {$1800.00}. I reported the fraud account to XXXX XXXX, but without an account number, I could not access any more information about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX mortgage, Please kindly remove late payment reporting from my credit report. My mortgage was settled and it was confirmed that there would not be any negative reporting.
Product: Credit card

I had a credit card with barclays bank I had run into some trouble and had to accept a settlement offer and our agreement was when I paid this settlement they would remove this account from my credit I have contacted them by phone and by mail. I keep getting the run around and no response to my letter. I called again on XXXX/XXXX/2015 and talked with someone named raven after several minutes on the phone explaining again the situation they put me on hold for quite some time and when they returned I was told by raven to resolve this I had to dispute the information with transunion that 's who they report to and send a letter to the fcra and the address they gave me for the fcra was XXXX XXXX XXXX XXXX, DE XXXX which is the address for barclays bank. they are trying to run some sort of scam so this is my first step to get that account removed when they fail to do so I am going to report them to the ftc
Product: Checking or savings account

My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help me?
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated. 


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

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


EQUIFAX XXXX 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!

Update the late payments from my consumer reports
Product: Debt collection

My information was hacked by the data breach, please remove this collection of my credit file, the account is PRINCE PARKER AND ASSOCIATES
Product: Credit reporting or other personal consumer reports

This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I mailed out a certified letter to Equifax requesting to remove the extended fraud alert from my report, I provided the required documentation to prove my identify. I have not received a response from Equifax and neither has the alert been removed. 

Please see the attached file for a copy of the letter sent out along with the documentation provided. 

Please remove the extended fraud alert from my report immediately. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of  information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]