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

Once I paid off all my account debt, my Experian Fico credit scoreXXXX actually went down instead of up like the other two credit bureaus. I can see if the difference is very small but when XXXX XXXX states my Fico credit scoreXXXX is a XXXX and XXXX states my Fico credit scoreXXXX is a XXXX while Experian states my Fico credit scoreXXXX is only a XXXX, well that is a XXXX and a XXXX point difference respectively!!!! My Experian Fico credit scoreXXXX state at least a XXXX. With such a huge difference, I can get denied credit if the company pulls only Experian. The ridiculous reason behind a decrease was Experian states and I quote, " On your previous report, you had 1 account with balancesnow you have 0, which could mean you closed an account or paid off a card you no longer use. '' This is obviously not true and unless my accounts are reported closed Experian should not assume that! So therefore according to Experian having {$0.00} balances actually can hurt your credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a company called XXXX XXXX XXXX XXXX, did a hard inquiry on me, and I don't recognize who these people are. I did not apply for anything. The consumer reporting agency has this hard inquiry posted on my credit report. I sent them a dispute and they have not responded back. This is putting a negative ding on my credit. I contacted the consumer reporting agency on XX/XX/2024, and XXXX XXXX XXXX XXXX. I still have not heard back from either one.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I was denied credit by XXXX XXXX on XXXX/XXXX/15 and an apartment community last weeK. 

I went to Equifax today to get my report due to adverse action online, they said they ca n't give it to me because I do not have a paid service with them. They told me to go to Annual Credit Report.com to retrieve it. But, I said I am requesting because of adverse action. However, I did what they say and because of Equifax and too many requests they told me to make now I ca n't get it. I spoke to a fourth person at Equifax at XXXX at XXXX today and he said the only way I can get it today and right now is by purchasing it with him on the phone for {$10.00}.
Product: Money transfer, virtual currency, or money service

These were XXXX transactions for a puppy transportation and 2 other XXXX payments for a puppy. Both were done using a fraudulent transportation company and the puppy was a person with fake / stolen identity. 

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

I have submitted a written letter via Certified mail to XXXX, Equifax, and XXXX to have my name corrected on my credit report as it is incorrect. I also submitted a copy of my Driver 's License and utility bill showing the correct address as requested. This is the 3rd time that I have requested that this be corrected on my credit report. My credit report should show the correct name and address and all incorrect names and addresses need to be removed as they are incorrect. The only name that should be appearing on my credit report is the name on my Driver 's License XXXX XXXX no other name. 
The only address that should be appearing on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX no other address should be showing on my credit report as they are incorrect. 
I have received a letter from XXXX with my name once again incorrect and I received a letter from Equifax requesting my Drivers 's License that was already submitted to them and a utility bill that was also submitted to them for the 3rd time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This very unprofessional. Please remove the fraud accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft. These items are not a result of any action by me. I have attached the FTC Identity Theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Regarding Trans-Union, For the last 10 days I have been unable to get my credit report online, all the other credit bureaus online access is working and give daily or week access.

I have call them more than 12 times, and have almost as many phone number for them. 
They sent me a paper report but online is easier to read online with my XXXX. 
https : //service.transunion.com/dss/dashboard.page? 
Your online credit report isn't available at this time. 
-- -- -- -- -- -- -- -- -- -- - our TransUnion Credit Report Freeze status is currently : Unknown The TransUnion Credit Freeze Service is temporarily unavailable. 
Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX -- -- -- -- -- -- -- under fraud alert Were unable to process your request at this time. 
Our system is experiencing technical difficulties. 
Were unable to process your request at this time. 
-- -- -- -- -- -- -- -- - Checking credit online : Our system is experiencing technical difficulties. 
We're unable to complete your request online. 
Please try your request by phone or mail. 
What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- I have call the a dozen times, include the two phone number above and have these phone number, they give different one most times : XXXX, XXXX, XXXX, XXXX, XXXX website XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on a Fraudulent identity theft collection reporting on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XX/XX/XXXXXXXX XXXX has placed a collection on my account with the name XXXX XXXX. I have not used that name since XX/XX/2022. That was my married name, and it is connected with Identity theft. My daughter XXXX XXXX who was and still is attending the XXXX, IL school district. The said above address is an hour and 20/30-minute commute in the morning and a 2-hour commute after school. My daughter grammar school records reflect the XXXX XXXX because I divorced when she was in the sixth grade and just forgot to update it with the school. It was impossible for me to live at the said address during that time frame. I lived next door to the Mayor of XXXX, IL. I raised all of my children in XXXX, and they attended the XXXX, IL school district.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i file a consumer complaint with XXXX  XXXX euiqafax about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and university XXXX XXXX for {$310.00}
Product: Credit reporting or other personal consumer reports

" I received an update from XXXX XXXX XXXX  regarding missed payments on my credit report. This should be updated to reflect 'Paid as Agreed. " & NEVER LATE Additionally, I have attached a document from XXXX XXXX XXXX for your reference. ''
Product: Credit card

My rewards points got redeemed without my consent. I called to capital one credit card company and after they transferred me 4 times from person to person and not knowing how to fix the problem and after being on hold multiple times they just transferred me back to the main menu. I did t not give authorization to redeem my points. I assume its inside job
Product: Credit reporting

On my credit report there is an account in collections from XXXX XXXX XXXX in the amount of {$670.00} that was paid XXXX XXXX 2015 but still remains on my credit report although was supposed to be removed after 45 days it is now XXXX XXXX the collection agency is XXXX
Product: Credit card

In XXXX I applied for a credit card from discover. I got accepted and used it perfectly, never missing a payment and being responsible with it. In XXXX, they notified me that I had to conform my identity by going to a notary and submitting a form. I did exactly that, even though I was working at a XXXX  at the time and it was a major inconvenience to find a notary where I was. I got the paper notarized, and sent it to Discover. Today I get an email saying that my account has been closed because they can't confirm my identity, even though I went to a notary, got the form filled out, and sent it to them. They have permanently closed my account and have done a hard pull on my credit, hurting my credit score. I called them and asked what I can do since it was obviously some sort of error on their end, but they said there is nothing I can do, and they are not even sure what happened. They said that there is nothing that can be done once the card is closed, and that I just have to live with what happened. I am a XXXX XXXX XXXXt simply trying to be responsible with the little bit of money I have, and I am being completely screwed over even though I did everything perfectly and as they asked me to do. I feel that I have been unfairly treated and would like the CFPB to consider investigating.
Product: Credit card or prepaid card

On XX/XX/22 I received an email asking me to finish signing up for a credit card w/ CHIME, a credit card I never signed up for. 

On XXXX/XXXX/22, I received an email stating that my CHIME credit card was in the mail and to verify my address. 

NOTE : I did not respond to either email ; I never confirmed by address. 

On XXXX/XXXX/22, a XXXX debit CC came in the mail. 
On XXXX/XXXX/22, I made 2 calls to CHIME, the second of which was successful in shutting down my so-called account. 

Of grievous concern- they had my social security number, date of birth, and additional personal information. 

We need to shut this down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX**** Balance : {$0.00} EOS CCA ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I contacted the Frist Bankcard of Omaha disputes department to dispute a charge by XXXX XXXX XXXX for the amount of {$1600.00}. On XX/XX/XXXX, the charge was posted to my account for XXXX XXXX XXXX to move me from XXXX, XXXX to XXXX, XXXX. I contracted XXXX XXXX XXXX to move me on the days of XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX never showed up or provided any services to me during my move. 

XXXX XXXX XXXX charged me twice for the same amount. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time the charge was for {$1600.00} for a grand total of {$3200.00}. Both XXXX XXXX XXXX charges of {$1600.00} are not valid transactions because no services were provided per the moving contract. 

Frist Bankcard of Omaha has been unable to reverse both invalid XXXX XXXX XXXX charges. The {$1600.00} put on my accounts balance on XX/XX/XXXX is now due for me to pay on XX/XX/XXXX even though I did not receive any services from XXXX XXXX XXXX. The {$1600.00} put on my accounts balance on XX/XX/XXXX is still in dispute. No notification has been given to when this charge will be resolved. This charge is a double charge and I did not receive any services from XXXX XXXX XXXX.
Product: Credit reporting 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 XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX Account XXXX, has violated my rights XXXX XXXXXXXX Account XXXX, has violated my rights. 

I looked at my TransUnion credit report on XXXX XXXX XXXX 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 information is inaccurate
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of identity theft i have notified this company several times that im a victim of identity theft i did not open any of the accounts listed below did not authorize anyone to open these accounts i hereby request these accounts and inquiries BE REMOVED AND BLOCKED IMMEDIATELY ALSO THE address BE DELETED I NEVER LIVED AT THESE ADDRESSES XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX {$510.00} keyBank XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX {$340.00} please delete all inquiries listed below. PLEASE BLOCK AND REMOVE ALL LISTED ABOVE XXXX XXXX XXXX
Product: Credit card or prepaid card

Received letter from Citigroup stating that they sent a check on overcharge on interest charged but that it had not been cashed So I contacted them and they said they would send a new check in four or five days A week later no check I contacted them a second time and they gave me a case number XXXX and they would contact me in 24 hours Nothing happend Four days later I contacted them and they were not responsive
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
Product: Checking or savings account

The company responded that I " ... ..did not have conversion agreement in place ... ... ..prior to receiving the funds ... '' That is because the Bank did not give me that opportunity. The Bank simply, in the dead of night, accepted the XXXX XXXX, even though I do not have a XXXX XXXX account with them. If they had my best interests in mind, they would have contacted me and asked me if I wanted a conversion agreement. Do they honestly believe that I would have agreed to pay a {$90000.00} fee for a simple foreign exchange transaction? Do they believe that any court would not agree that this misappropriation was egregious gouging. They failed in their fiduciary duty to me and they continue to hide behind the small print in their documents, non of which was explained to me when opened the account.
Product: Checking or savings account

XXXX Bank regarding my account for social security payments sent back to sender and lump sum payments SSI and SSDI never received.XXXX Fifth third bank, XXXX, Ohio XXXX never got IRS payments.Same with SSDI violations. Sent back to payee in direct deposit XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted an application for a rental house. The application got sent back because they could not find any credit data from Equifax. I called Equifax on XX/XX/XXXX and they said to launch an investigation which would take 30 days after they receive all the documents. I do not have this sort of time as I just PCS 'd ( in the military ) and only have 7 days left to find a house to live in. After researching this issue a bit, people mentioned Equifax has this issue sometimes. The other major bureaus have my credit report ( XXXX and XXXX ) so it is an issue on Equifax 's end.
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 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.

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