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

I have inquiries on my credit report that I did not authorized I sent proof of police report and identity theft report to transunion and they still refuse to remove these inquiries that I did not authorized
Product: Checking or savings account

Company refuses to close fraudulent account created in my name by outside people. No Credit Check done to determine that my credit is frozen on all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed a charge in my checking account for a service that was not as described. I was issued a provisional credit and the charge was later reversed without explanation. I provided all necessary documentation to prove my claim in addition the company was not authorized to charge me {$2500.00} twice and then another {$1000.00} after I requested cancelation and was told by the sales rep that I would be refunded the amounts paid. XXXX charged me {$6000.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Debt collection

I was opened an XXXX XXXX XX/XX/XXXX. 

Card was sponsored by XXXX XXXX : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XX/XX/XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XX/XX/XXXX with XXXX because they said, they have't received the check i mailed to them. XX/XX/XXXX. 

On XX/XX/XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XX/XX/XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from XXXX XXXX. 

At the end of XX/XX/XXXX, I have contacted XXXX XXXX Department, but they told me the account was sold to Midland. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XX/XX/XXXX, I wrote a letter to _ XXXX / XXXX XXXX and XXXX XXXX, On XX/XX/XXXX, I received letter from XXXX XXXX Stating this account / matter relating was sold to XXXX XXXX XXXX, on XX/XX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.
Product: Credit card

I wanted an erroneous fee with interest fromXX/XX/2019 reversed. This was another instance of my autopay canceling on its own ( see claim XXXX XXXXXXXX. ) I accrued {$10.00} in false fees and {$2.00} in false interest during this XX/XX/2019 statement period. I spoke to XXXX ( agent number XXXX ) who said that BofA can not reverse charges that old.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 in XX/XX/XXXX and XX/XX/XXXX ) 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 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!

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

From : XXXX XXXX XXXX, Consumer XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Hello XXXX I am writing this complaint because EQUIFAX INFORMATION SERVICES LLC , or " Equifax '' continues to furnish and disclose inaccurate, inequitable negative accounts onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. This information has been disputed time again, which has resulted in both the closure and removal of this, " XXXX '' account. Equifax has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer, who has informed Equifax multiple times that this information is inaccurate, inequitable, negative and needs to be deleted. Every time, Equifax has shown blatant disregard and negligence, both willful and negligently. This can all be displayed in CFPB Complaints : XXXX XXXX 

Equifax has violated the Following : XXXX. Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law that regulates the accuracy and privacy of information on consumer credit reports. Under the FCRA : Duty of Accuracy : Credit reporting agencies like Equifax must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Consumer Disputes : Consumers have the right to dispute inaccurate information, and the agency must investigate the dispute ( 15 U.S.C. 1681i ). They must correct or remove any inaccurate or unverifiable information within 30 days.

Reinvestigation Obligation : If you notify the credit reporting agency of a dispute, it must investigate the accuracy and completeness of the disputed item. If its found to be inaccurate, it must be corrected or deleted ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Equifax reinserted a deleted account back onto the Consumer report of XXXX XXXX XXXX, Consumer, without notifying said Consumer. This is a violation of 15 U.S.C 1681i ( a ) ( 5 ) ( B ). Please see, " XXXX XXXX XXXX XXXX ( XXXX ) '', " XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '', " XXXX XXXX Equifax Credit Information Services , Inc. ( XXXX ) '', and " XXXX XXXX XXXX XXXX ( XXXX ) ''. 

The most recent CFPB Complaint which was filed : XXXXXXXX XXXX  and sent to Equifax the same day, Equifax was in response of this complaint as of XX/XX/XXXXXXXX However, Equifax responded to the complaint on XX/XX/XXXX. Well after 30 days of the Notice. This is outside of the ( 30 ) days allowed for a reasonable reinvestigation period. Please see : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I have already contacted you as well about this problem yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. It is XXXX XXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.
Product: Debt collection

I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.
Product: Debt collection

It was being reported on my credit report that I had a collections account for a past due loan Through XXXX XXXX being shown on my credit report. Ive disputed this collection and in return I was told that and show where XXXX XXXX was removed as the Original Creditor of the collection and Regional Finance Loan company was then stated as the original creditor. Ima convinced there is a fraud taking place here and I would like The CFPB to investigate into this matter thoroughly please.
Product: Student loan

In XXXX XXXX, I lost my job and had to go back to my country for 10 months due to severe family issues. During this period, I was unable to make monthly student loan payments. Consequently, my student loan debts ( XXXX private student loan companies ) went into collections. Every since I came back to the XXXX and got a job in XXXX XXXX, I have been diligently paying off the debts to the collection agencies ( XXXX different agencies ). First, I have been struggling with unreasonable student loan monthly payments ( i.e., approx. {$1500.00} per month which is 50 % of my monthly paycheck ). Since my student loan debts with the collection agencies, I am unclear about the amount of debts that I 've been paying to these collection agencies are actually the precious amount of debts that I owed. Second, my husband and I are planning to apply for a mortgage in the near future and it 's come to our attention that this has been negatively impacting our credit score in a significant way and it would most likely hurt our ability to qualify. I would really like to remove these negative accounts from my credit history.
Product: Debt collection

I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.
Product: Debt collection

I.C. Systems has reported and posted to my credit that I owe {$550.00} for a XXXX  bill. I contacted XXXX  and they stated the amount owed is {$320.00}. I have called both XXXX  and I.C. Systems multiple times since XX/XX/2020 -today XX/XX/2020 trying to get the correct balance updated so the debt can be paid. I.C. Systems have yet to make any attempt to update this amount.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX acct XXXX XXXX, have 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a bulk appliance purchase from Lowe 's and used there Fixed Payment -- 60 month option. My first minimum payment of {$150.00} was due on XX/XX/XXXX and I made a {$200.00} payment prior to the due date. Every month since then, I have made a {$200.00} payment without fail and my minimum due has always been {$150.00}. XX/XX/XXXX, I accidentally made my payment 1 or 2 day too early and they are now charging me late fees and penalizing me saying that I missed a payment. I never missed a payment. I have record of a {$200.00} payment every month. My only mistake was paying one month a day or 2 too early. I spent an hour on the phone with 4 different transfers, asked for a supervisor, got a manager for maybe 5 minutes and transferred again. They all kept saying I missed a payment and that I owed {$300.00} to make it right. So, I am being penalized and my credit is going to be affected because I made my one payment too early ... not late. They finally said they would lower the payment to {$190.00}. When I asked why it was more than the {$150.00} minimum due, she said because of the late fee. I just can't understand why they couldn't go back, see my entire payment history like I can, realize I never missed and make the needed correction to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my XXXX credit card was charged twice for a dollar each by Experian even though I never requested any services or reports from them. I then requested XXXX to issue a new credit card number due to the fraudulent charges, and haven't used that card since. On XX/XX/XXXX, my XXXX account was charged again twice by Experian for {$29.00} each. I still did not authorize any services from Experian that would result in these charges. I called Experian to attempt to see what services they were charging me for and to ensure they were cancelled, but I was left on hold for XXXX minutes without being able to speak with anyone about these unauthorized charges.
Product: Mortgage

I worked with Compass Mortgage of XXXX, IL for a mortgage that I closed on XX/XX/2021. At closing, at the title company, I signed all of the documents with my attorney present. The first payment document, showed my payment was for {$1100.00}. There were also several closing documents that did now show the exact monthly payment amount. 

On XX/XX/2021, I received an email from Compass regarding the first payment. I reviewed the information, and it shows that my first payment in fact is {$1700.00} and change. I reached out to the Loan Officer, who replied that it was the title company that did not use the most accurate tax year and therefore, it was at their fault. Then he states in a separate email, that he doesn't know where the miscommunication was but here ( attached ) are the correct documents. He informed me that during previous conversations that he made me aware of that my mortgage would be approx $ XXXX {$1800.00} per month. I explained that I assumed that because I was at closing, that everything should have been finalized, that my payment was in fact {$1100.00}.
Product: Consumer Loan

Keybank contacted me by phone and informed me and informed me that I had, " missed a payment a year ago and that I needed to pay that payment from one year ago and also that they had been charging me overdraft fees for that missed payment each month for the last year. '' I explained that as I had no knowledge of this missed payment and that the overdraft fees that they had continued taking out without my knowledge would more than sufficiently cover the amount of the payment that if they reversed all overdraft fees charged to my account during the last year regarding my auto payment I would be more than happy the pay the payment I had supposably missed a year ago. They agreed and said, " we are so sorry for the hassle. All of you 're other auto payment have been on time so we will reverse all of those late fees. We will be sending you some paperwork. '' I was relieved that they had handled the situation so effectively. A few days later I recieved another phone call from the same Keybank corporation telling me the complete opposite of what they had just told me. They stated, " you have a late payment from a year ago that needs to be paid or we are going to continue charging you late fees indefinitely. '' I told him of the previous conversation that I had had and what Keybank had promised to do the first time I talked to them. The Keybank employee then told me, " I 'm sorry but we do not have any power to reverse late fees. You will have to contact you 're local Keybank branch because they are the only ones with the power to reverse late fees. '' So I called my local Keybank immediately and explained the situation to them. They told me the opposite of what the Keybank corporation had just told me. My local branch said, " we have no power to reverse late fees. Only the Keybank corporation has that power. You will have to contact them. '' I informed her that I had just gotten off of the phone with them and that they had told me the exact opposite. My local Keybank told me again to contact the Keybank corporation. So I immediately called the corporation back yet again and explained to them what had just occurred. They again told me the same story, " we have no power to reverse the late fees you have to contact you 're local branch. '' I contacted my local branch again and told them what had happened. They both continued directing me back to each other and refused to help me in any way or to even get their stories straight. Now I have been receiving phone calls from the corporation just about every day since telling me I need to pay the missed payment from one year ago that I was unaware of until just now. I continue trying to reason with them but it is unfortunately impossible it seems. Each time I call my local branch and ask to speak to the manager she is supposably, " busy. '' After doing some research I decided to contact you as Keybank either avoids me or does not give me a straight answer and I need this issue resolved as it is getting out of hand. Thank you.
Product: Mortgage

Th eChase company has raised our mortgage due to wrong assesment, the increase is so high that we might not be able to keep up with payments.This is going to dtart from XX/XX/XXXX of 2024.
Product: Debt collection

My account shows XXXX accounts from XXXX separate amounts with a credit union that I had no prior business with and a medical bill that was paid 5 years ago. I 've tried to gain access to XXXX and the qualifying questions do n't match with the information that I have to continue with the process.
Product: Debt collection

My identity was stolen in XXXX, TN and was used to apply for credit cards, apartments, loans, and bank accounts in Texas. I received numerous of letters in XXXX stating that I was in debt with different companies. I contacted all three credit bureaus and put a freeze on my credit for about two years. I also filed three police reports regarding the identity theft, and reported my identity being stolen to the Federal Trade Commission. I submitted my police reports, along with other supporting documentation to prove my identity was stolen. This resulted in the debts being discharged except for one company, " XXXX XXXX ''. XXXX sunt me the leasing agreement that was filled out fraudulently using my name but there were no ligament signatures, my name was not spelled properly, and there was no documentation as in a copy of a driver 's license or anything. The entire packet had typed names. Steeplechase apartments asked me to fill out an identity theft packet which I did and mailed it to them. They then claimed they did not receive the packet. I later found out that they filed a lawsuit against me for almost XXXX dollars and was served a warrant to appear in court. I called them again stating that I sent them the identity theft packet and they once again claimed they never received it. I then offered to them to fill out another identity theft packet and they stated it did not matter because they were taking a judgment out against me. I explained to them that I never received another court date to even appear in court due to the courts in XXXX XXXX, telling me that my court date would have to be reset due to covid and that they were running off a backlog. I acquired about my court date three times with XXXX XXXX and each time they told me they were waiting for it to be reset and that they will mail me a letter regarding my next court date. I never received the letter. I am currently being garnished for a debt that is not mines and I have supporting documentation proving the debt is not mines. I was in contact with a detective from the sheriff 's department regarding the identity theft " XXXX XXXX XXXX ''. She told me that " XXXX '' went under a new company and that she was going to subpoena them to receive all documents regarding the matter. I haven't been able to get in contact with her but have left messages.