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

A past account XXXX XXXX XXXX XXXX was deleted from my credit file XXXX XXXX. The original creditor was XXXX  XXXX XXXX. The amount is XXXX, XXXX The account has reappeared under XXXX XXXX XXXX, in XXXX XXXX. Experian refused to provide documentation of the deleted account. but verbally acknowledged the account was previously deleted but allowed XXXX XXXX XXXX to enter this account on my credit file again. This is not a new account as I have communicated this to Experian customer service and supervisor ( s ) several times via phone call. I have also explained the debt is currently being paid under XXXX XXXX XXXX which is a consolidation of all student loans which include XXXX XXXX XXXX  Documentation has been sent Experian via U. S. postal mail service. Experian has informed me the company does not have a fax number. Experian downloading website for sending documents for disputes does not function. I have tried for eights months to load documents on the website and all instructions and criteria were followed and documents do not load. Documentation has been sent certified mail but returned. This has been ongoing for couple months. A complaint was sent to the Better Business Bureau as the account remains on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN. XXXX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT XXXX XXXX  CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX XXXX ... PAIDED IN FULL XXXX CREDIT CARD.. INCORRECT BALANCE XXXX CREDIT CARD.. INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to deliver physical documentation and an updated credit report promptly. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Employer - XXXX  XXXX XXXX XXXX  XXXX, NJ XXXX XXXX, NJ XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Name : - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX Rease investigate and provide Proof with statements showing that these payments were late. If proof can't be gronded I demand these payments be updated to on time as they should be as I was NEVER lane. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just graduated XXXX XXXX, I just enrolled in XXXX  and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Product: Credit card

ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.
Product: Prepaid card

I recently bought this XXXX gift card at my local store. I read up online and was fascinated at the claim that the card works everywhere online and in store. I was very unpleasantly surprised when I try to use the card over and over again to no avail. It keeps getting declined by every merchant while they claim that it works perfectly fine ( A LIE! ). I contacted customer support multiple times and they told me that the card is activated. I have tried at every major payment corporations and stores and it STILL does not work.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCT. # 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 or other personal consumer reports

I need to update my mailing address and in checking my report I found there are address that aren't mine, that Ive never lived at or never been associated with. I them removed/ BLOCK FROM MY REPORT...
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/XXXX, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. 

I have identified XXXX XXXX XXXX Account # : XXXX, Balance : {$3300.00}, Opened : XX/XX/XXXX as a fraudulent account under my TransUnion file number : XXXX and an inquiry XXXX XXXX BANK XXXX, and the account or inquiry wasnt promptly removed. I spoke with a representative from TransUnion on XX/XX/XXXX, and was informed that TransUnion refuses to honor my official police report or FTC Report ( both attached ). 

This refusal is a clear violation of 15 U.S.C. 1681c-2. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. A fraudulent account like this could raise concerns about my financial stability and potentially jeopardize my clearance and performance.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS 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 XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$690.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting

I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. 
The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. 
I would like Capital one to remove those negative marks.
Product: Mortgage

This Complaint involves Fifth Third Mortgage Company. My name is XXXX XXXX, and I am married to XXXX XXXX, and we lived at XXXX XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX suffered from XXXX, and I had an XXXX which prohibited XXXX from entering the house. Fifth Third foreclosed on the house and did not notify me. Then Fifth Third evicted me from the house. During the mortgage foreclosure proceeding, Fifth Third knew that I was married to XXXX and that I was living in the house. Because of Fifth Third, I have no home to live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting the following items corrected on my credit report : XXXX  and Equifax is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Employment : XXXX  XXXX  XXXX Correct Employment Name : XXXX XXXX  XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX  - XXXX that was opened XX/XX/XXXX XXXX  XXXX  - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : XXXX  XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North  Carolina  Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX  - XXXX XXXX XXXX  - XXXX - XXXX-XXXX  - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX  - XXXX  - XXXXXXXX - 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
Product: Credit reporting or other personal consumer reports

I traded in my vehicle and was informed that the payoff would reflect before the 30-day mark. Unfortunately, the payoff took way longer than was told. I ended up calling and making the extra payment anyway to prevent a credit hit. I was told that the payment was made on time and would not show as late. The payment was never needed and the refund check is already being mailed back to me. This should have never happened and I would like the late payment to be removed and updated correctly. 

Trade-in Date : XX/XX/24 Extra Payment Date/Phone Call : XX/XX/24 Inaccurate Credit Report Date : XX/XX/24
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

I kindly request that you PERMANENTLY BLOCK AND DELETE this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Hard inquiries XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX I never authorized these inquiries. I called TransUnion to dispute but haven't been contacted since.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$170.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Money transfer, virtual currency, or money service

On XX/XX/19. {$140.00} was taken from my account. When I contacted CashApp I was given a list of things to do, I complied. No one contacted me since and my $ has not been refunded. I believe CashApp screwed up. That transaction was simultaneous with CashApp refunding me for atm fees.
Product: Consumer Loan

I was declined a loan from the partnership of Ethan Allen and Synchrony Financial while having a pristine credit record, FICO score of XXXX, $ XXXX in Synchrony Bank and a $ XXXX income. 
Reason given, " insufficient credit history ''. 
It is my opinion that it was because of no chance of default therefore, no interest would be generated, therefore no profit. 
I consider this to be discriminating to a XXXX year old and an unethical business practice and violates truth in advertising.
Product: Credit reporting or other personal consumer reports

TransUnion, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB BUREAU ; I XXXX XXXX XXXX have contacted all three credit bureaus XXXX, Experian & XXXX  concerning hard and soft enquiries being injurious on to my credit files. They replied as say that we have to keep of them on the files for 3 years to 7 years. I think that its punitive keeping of them enquiries on for too long. plus the hard enquiries that has offered no credit to me, and still sits around it is not wise to keep. if I authorized for credit pull within 90 days of first pull, than this enquiries should not cause my vintage score to run down lower. 

Please read the literature on this issues and notify of all my files holders/ credit bureaus. I have notified of them already.