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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint as an individual consumer. After examining my credit report, I noticed erroneous late payment entries. Despite sending written correspondence over 30 days ago, I have not received a response, nor have they provided adequate validation for these inaccurate entries. I respectfully request your intervention to facilitate a resolution to this issue.
Product: Credit card or prepaid card

On XX/XX/23 I tried to submit payment in order to use my American Express card. I used the chat function as Ive done in the past. I initiated the chat around XXXX. It was XXXX minutes and no agent joined the chat. So I sent feedback to the company online describing how long its taking to get an agent. I also checked that phone had the latest version installed and theres no issues with my XXXX browser which is how I accessed the chat. I was not using an app. I changed the password for the site as well then logged back in. I then tried to start another chat around XXXX. My several chats disappeared and the company sent chats making it seem like I never responded to their messages, which wasnt true. When I tried to get confirmation for payment and the timing it would post they changed the amount. I declined the whole transaction. I asked if it was an advanced persistent threat. This wasnt the first time Ive had issues with chat. I took screenshots of the issue. I sent the screenshots to the American Express XXXX account. The account states a response within a business day yet Ive never received any response to my messages. In addition, as soon as I sent feedback to the online site, the people who reside next door to me started chatting about my issue. Ive sent police and several states and XXXX agencies complaints about being monitored electronically by XXXX born individuals. The XXXX harassment and stalking I endure makes it feel like trafficking. I believe this is trafficking.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE ALL LATE PAYMENTS 15 USC 1666B SEE ATTACHED DOCS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax is govern by 15 USC 1681 and they have violated my rights many times. I demand the accounts below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

PLEASE SEE ATTACHMENT. 


Thank you
Product: Mortgage

I originated my mortgage through Willow Bend Mortgage in XX/XX/XXXX. In XXXX of XXXX my personal information ( SSN, birthdate, phone number, false name, false email ) was used to purchase a new XXXX at a XXXX ( {$1200.00} ), financed on a new mobile plan. The bill was never paid and my credit score fell drastically. In addition, Willow Bend Mortgage made inquiries into my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I believe half of these inquiries lack necessary approval from me ( XX/XX/XXXX to get the mortgage, XX/XX/XXXX & XX/XX/XXXX could possibly be check ups? ). Willow Bend inquiring into my credit without permission roughly 30-60 days after the fraud occurred led me to reach out to the company to try and get more information. I was directed to an employee who stalled and delayed as much as possible and never provided any useful information. Multiple follow up attempts failed to initiate dialogue with a representative of the company. Willow Bend sold my mortgage immediately and it was the new service company that alerted me to numerous problems with my mortgage origination ( ex : incorrect property build date ). As a result of inaction on the part of WBM I can't collect sufficient information to repair my own credit, further preventing me from moving to pursue work opportunities elsewhere.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX XXXX reporting a negative account on my consumer report that they no longer own nor responsible for and its affecting my consumer report the account ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to update my consumer report with no correspondence validating this information. I have received multiple notification that the report have been updated and came back as verified without any documentation. Only the consumer which is I can validate any debt. 
Pursuant 15 usc 1681g Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responded with wrong information. 
My Loan with XXXX still showing in my credit report with XXXXXXXX XXXX On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX ( Loan Number XXXX ) took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are report inaccurate information on my credit report. XXXX are reporting accounts that at XXXX years old and will not remover them. Also all 3 credit bureaus are reporting a XXXX XXXX Credit card on my credit report and I have called and went into the bank branch and they have no record of the account in their system. Ive disputed the account several times and they continue to verify false information. I am in the process of buying a home. The account has late payments and because XXXX XXXX doesnt have any record of the account they cant remove the late payments, which is the reason for the dispute.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$0.00} ( Paid ) Credit limit : {$1000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Product: Money transfer, virtual currency, or money service

Let 's go over the reasons Clover in our legal opinion is shady, bizarre and a terrible credit card merchant service : ( 1 ) if and when you receive a " Dispute '' and try to login to their server to respond, you will be told by their system to " enable cookies '' even when your cookies are " enabled '' in my case using XXXX XXXX  which 99 % of humanity uses, otherwise they " can't help you '' and keep you on hold for 30 minutes or more, transferring you all over the place to different clueless, non-technical people who don't speak English as a first language each of them making you " verify '' yourself through painful, multi-tier questions/answers more akin to XXXX XXXX than a credit card merchant service; ( 2 ) these people keep telling you to switch to a different browser " XXXX XXXX '' which is truly bizarre ( and definitely sounds immoral/illegal ) to force their customers to download/switch to a different browser in order to keep our duly earned money ; ( 3 ) when you search for their address online it is virtually impossible - the address we have provided herein the XXXX  complaint is a guessing game, at that. 

Please urgently investigate and advise.
Product: Debt collection

In accordance with the fair credit reporting act Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete the below illegal accounts from my XXXX, Transunion, XXXX credit reports XXXX XXXX 30 day late payment Bank XXXX XXXX account # XXXX
Product: Mortgage

My closing was delayed due to Chases mortgage team not seeking the correct insurance information until the day of the scheduled closing. I immediately provided the information, but Chase was unable to process the information fast enough and had to delay my closing. I was told that the department responsible for processing the information was too busy to process the information in time. Nevertheless, Chase refused payment under its Chase Closing Guarantee. They tried to blame my realtor, who had no involvement in the issue. Their claimed guarantee is misleading.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation auto loans late payments XXXX XXXX  FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections AMSHER COLLECTION SERV XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to Experian requesting that 2 ( two ) accounts be removed from my personal credit profile. They received the documents on XXXX, verified by certified mail with a signature. Not only has 30 days passed but 45 days have also passed with no investigation. Experian is in violation of FCRA 611 [ 15 USC 1681i ].
Product: Payday loan, title loan, or personal loan

Unauthorized account was made on Affirm.com. 

Several Affirm.com representatives, along with the merchants highest point of escalation, confirmed the account was unauthorized and fraudulent. Affirm.com also verified that I was not responsible for the loan, and that it was voided. 

Affirm.com is now refusing to provide a refund for the payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

In accordance with the fair credit reporting act XXXX XXXX # XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is computation error or similar in the XXXX-year payment history. Showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.
Product: Money transfer, virtual currency, or money service

My father passed away in XXXX. I am his daughter. Since then, I have called PayPal no less than 8 times and am always on hold for a minimum of 30 minutes, usually longer, before someone can help me. The people themselves are very nice, but no one can tell me where the money in his account is. All we ask is that it be deposited back into the checking account my dad opened the PayPal account with. I do not want the money- it should go back into the account he opened it with, which is a joint account with my mother- who is the sole beneficiary of his estate. PayPal even acknowledges that this is their processwhen an cactus closed to refund back to the opening checking account. But, I am not confident they know their own processes as up until XXXX they still hadnt marked my dads account as deceased- even though we submitted his death certificate and his marriage certificate 3 times. The amount in question is XXXX. This has been going on for 6 months, I dont understand what the delay is and why no one can help. My mother needs that money. She has XXXX and that money is needed to help pay for her XXXX  and other costs. Every other company has been helpful and knowledgeable about what to do when an account holder diesthis is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically demanded that Equifax explain what was their method of verification which is law under my consumer rights. I went into detail as well as included the laws as well as there definitions in both the letters that I sent to Equifax as well as below. Equifax not only failed to give me a proper response or update but they also responded to my CFPB complaint with a statement that had nothing to do with what I was requesting. Below you will find a detailed breakdown of my struggles with Equifax : On XX/XX/XXXX I sent Equifax a certified letter in which it showed it was received on the 12th outlining how Equifax violated my rights as a consumer under 15 USC 1681. On top of violating my rights Equifax also failed to respond within 30 days. I am just now receiving an update and response to my letter on XX/XX/XXXX. The subsections Equifax violated are as follows : 15 USC 1681- ( a ) ( 1 ) 15 USC 1681- ( a ) ( 2 ) 15 USC 1681-a ( 3 ) 15 USC 1681-a ( 4 ) 15 USC 1681b.2 This situation has been very frustrating and the reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes
Product: Credit card or prepaid card

Synchrony Bank/Lowe 's has repeatedly failed/refused to credit a {$100.00} telephone payment made on account XXXX despite three faxes providing checking account verification of payment made to Lowe 's and debited from my checking account. 

Recently Synchrony also erroneously added another {$100.00} owed to my balance claiming that it did so because it was " reversing '' a credit ( that in fact they never credited ) to my account after " completing '' their " investigation '' and being unable to locate the payment ( of XXXX ) Faxes sent from my bank to Synchrony on : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX Numerous ngoing phone calls to Synchrony from me, from consumer banker XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and from Lowe 's
Product: Credit card or prepaid card

On XXXX XXXX @ XXXX, I logged into my my wisely card account unlike any normal day of each month, to notice my account was inactive.I wasnt notified via email nor by phone from this company to let me know about this issue.I have my Social Security benefits to be direct deposit to my wisely card to pay my rent and bills each month. This company made that impossible for me to pay Merchants for other sources this month ; to keep me and my XXXX XXXX XXXX son homeless.I went into my local Social Security administrative of me not receiving my benefits today, and that Wisely card customer service is claiming they havent received any SSDI payment for me. Social Security administration said that money was deposited into the wisely bank and that is showing from the treasury that it was sent off to Wisely bank.Call Wisely spoke with the supervisor she was no help {$1000.00} was on my card {$700.00} Wisely claiming they didnt receive any from Social Security administrator when I seen a pending before I seen my account was inactive. They change my debt card it different from the card I used.
Product: Credit reporting or other personal consumer reports

I made XXXX, aware that old and incorrect information was being furnished. I provided the correct information and still the old and incorrect remains
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my XXXX XXXX credit file. Experian refuse to remove the bankruptcy off my credit report. I reached out to XXXX XXXX and received my lexis nexis file which DO NOT REFLECT NO BANKRUPTCY on my XXXX XXXX file. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX. These are the accounts that is linked to the address XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX that is reporting on my credit report which that address does not belong to me. The XXXX  XXXX report CLEARLY shows the address was deleted meaning any accounts that falls under that address need to be removed. Experian has sent me a pre-made letter stating they verified the bankruptcy. I do not own a home XXXX XXXX  do not belong to me this home is in ohio. I am a home owner in Nevada not Ohio. This hendering my credit tremendously! I take pride in my credit as a consumer. The only accounts that BELONG to me is XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.