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

Back in XXXX I bought a dishwasher and hock up from Home Depot I returned it in XXXX they tried charging me {$70.00} for the return I refused and went in store to the XXXX IL location where I bought it sat for XXXX till close and they still didnt return it they said they would call me when the return was complete 3 days later I received the call fromXXXX at Home Depot saying the return was processed and take. Care of. In XXXX I went to use the Home Depot credit card it was declined I called Home Depot right away and citi bank both twice the same day. Home Depot then issued me more and new credits in XXXX to handle the account and make it accurate. I called back citi bank again that day to make sure we received the credits they said it would take 48 hours. Now we went to apply from our loan agent on our 3 home and got denied from homedepot reporting on his credit for a return we did not receive the correct or proper credits since XXXX and I have been told by employees at home depot since XXXX it was taken care of. XXXX my partner had an XXXX credit score we have worked the last 10 years to get the only thing on his credit was homedepot reporting on not refunded credits we were supposed to have tanked my husbands credit and denied us for a home all because a return wasnt properly handled. Then they closed our account without any notice tanking my husbands credit more. We have been card holders w homedepot since XXXX this is the worst situation We have been put in and no one wants to help us. I called citi bank they just wanted their credits didnt even offer to reopen the account so my husbands credit wouldnt be further negatively affected by this mistake. I explained how dire this situation is look at his account its form XXXX we are in XXXX how are we still dealing w this credit on the return?? This is absolutely unexpected we have maintain credit and paid every bill and now we go apply for a home loan and now from someone else negligence and not knowing how to do their job correctly we are denied for our home loan. We need the negative reports 30 60 90 day removed from his credit.
Product: Credit reporting or other personal consumer reports

LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

FOR MONTHS, I have been going back and forth trying to solve this problem for some time with your credit reporting agency and the corporations and debt collectors you authorized to put fraudulent, inaccurate, and unauthorized items on my credit report without my written instruction or permissible purpose. The importance of this issue is you continued to report items as well despite the items not being 100 % accurate under 15 US Code 1681e ( b ). YOU MUST UNDERSTAND THAT THIS IS NOT A MISREPRESENTATION OR HAVE BEEN SENT IN ERROR. THIS IS INDEED FROM ME AND I AM FULLY AWARE AND CAPABLE OF WHAT I AM DOING. PLEASE DO NOT UNDERESTIMATE ME, AND INSULT THE LEXICON THAT I HAVE SPENT MY WHOLE LIFE ESTABLISHING. I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED. These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Please, within 14 days of receiving this notice, mail the results or anything that has been attempted on my credit file.
Product: Checking or savings account

In 2014 I had a checking account and had been overdraft even when i had the correct amount of funds in my account and nothing was resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car inXX/XX/XXXX I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash inXX/XX/XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XX/XX/XXXXor XX/XX/XXXX ) I checked my XXXXredit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX OF XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Product: Credit card or prepaid card

I WILL BE SUBMITTING THIS COMPLAINT TO SYNCHRONY, PAYPAL, AND XXXX. THIS IS SO ALL PARTIES ARE AWARE AND HAVE MY PERMISSION TO RESOLVE THE ISSUE. 

It has been four years and Synchrony/PayPal have not properly investigated the problem they have requesting funds from my bank account. I have multiple Synchrony accounts that have no issues receiving payments, so I thoroughly believe that the problem lies with PayPal. The problem is that the PayPal funds are held by Synchrony, so they continue to blame each other. I had made a compromise four years ago in order to make my payments and have done so on time until Synchrony changed their system. This permanently removed my account an ability to make the payment online. I do not receive a paper bill for this account. I have made payments over the phone, but those also get rejected by the PayPal system. I have asked to use my debit card as a form of payment, but they only allow that once.

Most recently PayPal made a change in their system so I could have my bank account linked. I did so and made a payment. They claim my bank informed that I implemented a stop payment. I DID NOT.! This is the problem. The request NEVER MAKES IT TO MY BANK! 


The following is the response from XXXX from XXXX. It indicates that their isn't a problem with my account and Synchrony/PayPal would not provide the documentation requsted to resolve the issue. 

Date of response : XX/XX/XXXX We are responding to the concerns about the XXXX XXXX XXXX XXXX XXXX XXXX ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding PayPal debits from your checking account. Per our records, XXXX XXXXXXXX XXXX contacted us on XX/XX/XXXX, stating that the XXXX rejected PayPal Automated Clearing House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to Synchrony Bank. XXXX XXXX contacted Synchrony Bank to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the XXXX does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from Synchrony Bank. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns.
Product: Debt collection

I received an alert that my credit score had dropped from XXXX. Upon looking into this matter, I found a company was looking to send me to collections for a purchase that was made. The debt collection company is XXXX XXXX. I called them on XX/XX/2024 to explain to them that this was not my debt, I had never heard of the original debtor which is Uplift. The amount they are trying to collect is {$3800.00}. I told them that I did not make a purchase to this company and that the collection process needed to stop as this is not my debt. They said they would send it to the appropriate office and have someone look into it. I called again on XX/XX/2024 to check on the status. I spoke to a gentleman named XXXX who said he would look into it further. I would like this taken care of as soon as possible since my credit score has been damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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

I've sent TWO letters to this credit union, and they do nothing. I'm XXXX, XXXX XXXX XXXX XXXX. They continue to say I've made a {$3.00} payment in XXXX of 2022, yet I can't afford my medications. Someone from the homeless shelter is helping me with this. It's over 100 degrees daily, so how long do you think I'll be alive? I'm trying to get XXXX  XXXX XXXX, however, this account shows current with that {$3.00} payment. They need to STOP reporting this and remove it NOW, not weeks from now. Totally unreal and friends are now posting their abuse on XXXX. Social media can be of great help. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I have a mortgage loan in progress and the inaccuracies on my credit report are affecting my ability to move forward. There are two accounts on my report that have been charged off, XXXX XXXX XXXX and XXXXXXXX XXXX The XXXX XXXX XXXXXXXX account was charged off in XX/XX/XXXX which is the last status date that XXXX XXXX XXXX reported to Experian. Experian has reported the charge off status each month since XX/XX/XXXX as a new reporting. Also, there are no charge off reportings for XX/XX/XXXX through XX/XX/XXXX. So, they stopped then started this action. What they are doing is incorrect and has stalled my report so that the score does not increase. Once the charge off is reported by the creditor it should not repeat every month as if it were a new status. This is re-aging the report and will constantly keep the score from increasing! This same action has occurred with the XXXXXXXX XXXX account. It shows charged off in XX/XX/XXXX and every month after that it appears as a new charge off status. XXXX has not reported this account since XX/XX/XXXX. Experian does not legally have the right to keep reporting the charge off if the status has not been updated by the creditor! THESE ARE CLOSED ACCOUNTS AND THIS ACTION IS ILLEGAL! THESE CREDITORS ARE NOT REPORTING ON THESE CLOSED ACCOUNTS SO THE CREDIT BUREAU SHOULD NOT REPEAT THE CHARGE OFF EVERY MONTH! The charge off should not be repeatedly reported after the creditor reports the last status date. I am attaching a copy of the accounts on my report so that you can see the issue. I would like to have these accounts removed on my credit report so that the score can increase to what it should be. This needs to occur immediately! 

THIS IS THE THIRD TIME I HAVE MADE THIS REQUEST!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Recently I was part of the Equifax credit information hacking. It really astounds me that a private company can stand to profit from their own mistake in that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax. 

Additionally, I would like to know why it took them months to tell us ( not even personally, only by news outlets )? 

Thanks
Product: Debt collection

Debt was the result of ID theft. Company failed to provide my signed agreement for this account, original terms
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX 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 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.

Equifax 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, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I FILED A COMPLAINT WITH THE CFPB COMPLAINT NUMBER XXXX. ON THE MORNING OF XX/XX/XXXX I CHECKED MY CREDIT REPORT VIA XXXX XXXX AND EQUIFAX HAD REMOVED SEVERAL ITEMS FROM MY CREDIT REPORT AND MY CREDIT SCORE HAD WENT DOWN 185 POINTS. EQUIFAX HAD DELETED MY XXXX XXXX  ACCOUNT BUT AFTER I DISPUTED AND SUBMITTED TO CFPB THEY PUT IT BACK ON MY CREDIT REPORT BUT THEY DID NOT PUT MY POINTS BACK. IF YOU LOOK AT MY CREDIT SCORE ON XX/XX/XXXX IT WAS XXXX  POINTS. ON XX/XX/XXXX IT WAS XXXX -- -185. EQUIFAX HAS NOT PUT MY POINTS BACK. I FEEL THEY ARE NOT SCORING MY REPORT PROPERLY. I HAD 2 BANKRUPTCY REMOVED AND MY CREDIT SCORE IS NOT REFLECTING A INCREASE IN MY SCORE. ALSO ON XX/XX/XXXX EQUIFAX HAD DELETED XXXX INQUIRIES FROM MY CREDIT REPORT AND ADDED THEM ALL BACK ONXX/XX/XXXX I SENT CERTIFIED LETTERS TO ALL OF THE CREDITORS ADVISING I DID NOT AUTHORIZE THESE INQUIRIES I DISPUTED WITH EQUIFAX THEY REMOVED THEM FOR 1 WEEK. AND PLACED THEM ALL BACK ON MY CREDIT REPORT TODAY XX/XX/XXXX. I AM ASKING EQUIFAX TO LOOK  INTO MY CREDIT FILE AND SCORE MY REPORT FAIRLY. THERE IS NO WAY WITH ITEMS REMOVED AND 2 BANKRUPTCY MY CREDIT SCORE HAS NOT INCREASED BUT DECREASED.
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 XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XXXX 2024, I added an offer from Chase Offers for the company XXXX that provided {$200.00} off a purchase of {$400.00} expiring XX/XX/XXXX at XXXX XXXX. 

Shortly after, I made a purchase at XXXX  for a total of {$520.00} on XXXX on XX/XX/XXXX at XXXX XXXX  / XXXX XXXX, well within the Offer expiration date. I have attached the confirmation email received from XXXX showing the timestamp and a screenshot taken from the Chase Application showing the Transaction Date across numerous pages for XX/XX/year>. 

After not seeing the offer redeemed on my account a few weeks later, I called Chase on XX/XX/XXXX to escalate the situation with the call center representative and raised a ticket with Chase XXXX to review the terms and conditions of the offer. Shortly after, on XX/XX/XXXX, I received a letter from Chase Offers notifying me that I did not meet the terms and conditions of the offer and instructed me to refer to Chase Offers FAQ for more details ( notice letter attached below ). 

Chase Offers FAQ states that : " As long as you or any cardholders made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. If you don't receive your statement, please call the number on the back of your card. '' I am confident that I have met the offer conditions, as I successfully purchased the item before the expiration date. I have attached all receipts from XXXX showing the time of purchase. 

Hopefully, this can be resolved quickly as the discount was my main reason for purchasing this item in the first place.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. 

Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!