23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed a dispute in XXXX for a past due reporting to Experian. Experian denied my dispute even though proof of payment was submitted. My payments are due on the XXXX of each month. Payment was submitted on XX/XX/XXXX, this is not 30 days past due.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with the credit reporting agency in regard to the inaccurate information reporting to my credit report. I never received any notifications in regard to the investigation results. It has now been more than 30 days since I filed a 30 demand to comply with the credit bureaus and still have yet to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against XXXX, XXXX, and Equifax for reporting incorrect information, non verifiable information, and incomplete information on a account all 3 are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. Equifax reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and Equifax report payment amounts as 0. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. Equifax reports last payment date as XXXX. XXXX. Equifax report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. 5. Equifax reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. XXXX. XXXX report shows XXXX 90 days late. XXXX report shows XXXX 90 days late. Equifax report shows XXXX 90 days late. All differ and can't be correct. XXXX. XXXX payment history calendar shows in XXXX of XXXX that account was XXXX Equifax reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. Equifax reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. Equifax report says in XXXX Of XXXX account was 90 days late. Both differ. 10. Both XXXX and Equifax reports are missing date account was closed. 11. Both XXXX and Equifax reports are missing Date last verified also.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/202XXXX XXXX  reported that my prepaid XXXX XXXX card has a debt of XXXX to experian and XXXX and a debt of XXXX to XXXX stating the information is correct when I filed a dispute. On XX/XX/2023 I called XXXX  to see what was going on to which they stated there is no debt on my account. They wrongfully reported debt to the agencies mentioned then proceeded to give excuses why they would fraudulently report said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint loan servicing took over loan # XXXX XX/XX/2020, and reported the loan 30 days delinquent as of XX/XX/2020 to XXXX Which violates the 60 day RESPA period. I disputed this with Shellpoint without resolution, then I disputed the report with XXXX without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, which is against federal law. The last letter I sent to the three credit bureaus included the words last XX/XX/2022 in it, but no response was received. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), these accounts must be verified ( 1 ). ( A ). If you fail to verify these accounts, I will file a lawsuit against you. In order to quickly settle this issue, kindly follow the legislation. I need you to correct the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  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 sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it againXXXX 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
Product: Credit reporting or other personal consumer reports

If you look at complaint Id number XXXX, I filed a complaint on XX/XX/XXXX. The company that I was disputing the information on my credit report that I demanded to be removed ( TransUnion ) responded back on XX/XX/XXXX. On XX/XX/XXXX they said that their investigation resulted in all of the accounts to be verified on my credit report. According to 15 U.S. Code 1681i " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' IF YOU DO THE MATH THAT IS 39 DAYS AFTER THEY RESPONDED TO MY COMPLAINT. THEY MUST REMOVE MY ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Checking or savings account

In XXXX of XXXX, I paid a wedding videographer in full. He told me that if I paid in full, I would get a discount. He sent me an email and link to make my payment of {$1600.00} with my debit card. Shortly when the Covid hit in XXXX of XXXX, I attempted to reach out to this vendor who then beached our contract. By the name of XXXX XXXX XXXX XXXX. XXXX XXXX owner states his business is permanently closed due to bankruptcy. I have reached out more than several times to this vendor who has failed to refund me my money. I then reached out to Chase bank and filed a dispute for my debit charge in XXXX. They said it can take up to ten days to receive a response while they do a chargeback to the merchant. 

Chase bank did not notify me of the resolution and instead I called and found out that they closed the case because its 120 days past due and can no further assist me. They also told me it wouldnt be worth taking this case further such as an appeal. Chase bank said they would send me a letter in mail about my dispute resolution. I did not receive anything. 

I have called back a few times and I just get rerouted to no help. 

I want to take my case further and challenge a refund back from this merchant and I dont feel chase is helping me. All because of Covid, everything went down hill, but this money is owed back to us. 

I am not the only customer who is currently dealing with this issue.
Product: Credit reporting or other personal consumer reports

In an attempt to determine why an address that I don't have an association with was associated with my credit report, I reached out to Experian for help. I was directed to sign into their web site for the information I requested, so I registered an account and attempted to obtain my credit report. I consistently see an " internal systems error '' on the screen instead of my credit report. I have attached a screenshot of this message for your reference. 
When I called experian for assistance and explained the problem the representative hung up the call and now when I call back I'm unable to speak with a person. My call is consistently directed to an instructional message directing me to go to the web site, but the errors on the web site persist and I'm unable to see my credit report. 
Additionally I've attempted to use the experian XXXX  app as suggested by the web site but I continue to experience technical problems with both the app and the web site. 
After using the XXXX  app I was no longer able to log into the experian web site, I received messages that the username and password are incorrect. When I attempt to recover the password using the provided process I see an error indicating that the process could not be completed. I've included screenshots of these errors as well. 

I am a technology professional who provides technical assistance to consumers and end-users professionally. Experian appears to have intentionally made the process of obtaining assistance for technical issues impossible, and the exact same path that I used to speak with a person the first time no longer works, which suggests they are now re-routing my call so that they don't have to address the problems with providing the service that they have promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : In XXXX, I thought that my personal information ( especially SSN ) may have been compromised, so I looked for a company that could monitor my personal information. I found TrustedID and signed up for a reasonable plan that covered my family for {$160.00} annually. I provided also sorts of personal information so that TrustedId could monitor against that information and warn me of any issues. It also offered {$1.00} XXXX in identity theft protection. 
For the first few years, I was happy with TrustedID 's service. I could check my on-line risk to see whether my personal information was exposed on-line in a risky way. For the first few years, TrustedID 's on-line risk assessment indicated my risk was low, and the occasional review helped me to reduce my risk. 
Then maybe 4-5 years ago, the assessment began to indicate that my risk was at the highest level. It was not clear how or why that happened. Did a better assessment method reveal places where my information had always been exposed? Was the assessment completely false? As I recall, TrustedId offered me services for a fee to have my information removed from those sites. Instead I asked the sites that exposed my information, in accordance with their procedures, to remove my information. Doing that never seemed to lower the result ( the highest risk level ) of TrustedID 's risk assessment. I grew unhappy with the service, not knowing whether TrustedID was taking my annual fee and providing nothing real in return. ( In retrospect, I think that it might have been doing exactly that. ) Only earlier this year in XXXX did I decide to cancel my TrustedID subscription. On XX/XX/XXXX, TrustedID refunded {$54.00} of my unused annual fee. If I knew that Equifax owned TrustedID, I certainly forgot that until the recent news of Equifax 's data breach. News of the breach and subsequent revelations have got me thinking that maybe TrustedID HAD BEEN taking my annual fee and providing nothing real in return. I am wondering whether the CFPB has received similar complaints or concerns about TrustedID. If so and the concerns are true, I think that I should be entitled to receive a refund from TrustedID totalling my net annual fees paid for the past five years. Any assistance that the CFPB could provide on this matter would be greatly appreciated. Thank you very much. I look forward hearing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a summary of what happened Account name FM/FIRSTMARK SERVICED TRUST Account number XXXX Account type Education Responsibility Signer with other person Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$50.00} Original balance {$5500.00} Highest balance {$0.00} Terms 180 Months This account was originally opened with XXXX XXXX I have no recollection of first mark or how to get into contact with them to put my loan back into forbearance I am a XXXX XXXX I can afford to pay but I have not received any formal information in how to proceed with payments.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I had a late payment 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. Account XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Debt collection

OneMain Financial XXXX {$33000.00} I already contact them an told them it wasnt my account and I ask for 15 USC 1692g validation of debt in they didn provide it to me an didn provide it in the rite manner I also ask them to provide Rule 1002 Requirements of the original I also ask them the provide 15 USC 1692j Furnishing certain deceptive forms
Product: Payday loan, title loan, or personal loan

Amount of Loan : {$1200.00} Date of Loan : XX/XX/XXXX to XX/XX/XXXX Interest rate : 690.00 % Complaint : the interest rate is too high. Isn't there a law about how much a consumer can be charged for interest on a loan. 
Payments : {$320.00} bi-weekly On Wednesday XX/XX/XXXX at XXXX XXXX, I talked with XXXX at the following phone # : XXXX. She could not help with securing me with a lower interest rate, even though I told her that the present interest rate is against the law. 

What I would like CFPB to do for me : GET ME A LOWER INTEREST RATE, please. 
Address of Lender : Niizhwaaswi , LLC d/b/a Loan at Last ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WIXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX  F - XXXX - XX/XX/2020 - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX - 1XX/XX/2020 - {$23000.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

What happened on XX/XX/2022, was that I fell for a death threat scam in which I got really scared to the point I send them XXXX through 6 XXXX transactions. On the same day this was happening, I called 911 and file a police report to an officer in person and show him the numbers of the person that was calling me and the text messages and XXXX transactions that took place. The Police confirm that these were scammers and were from different countries using fake numbers. The next day on XX/XX/XXXX I reached out to both XXXX and Chase and filed a claim on those 6 XXXX  transactions, however both companies refuse to comply with my claims and close it the same day on XX/XX/XXXX. They refuse to do it because they say I authorize it and its your fault because you confirm these payments. However I confirm these payments under fear and acting instead of thinking on my part. On XX/XX/XXXX, I went a local Chase bank and the lady there fax my police report to them. Till then as of XX/XX/XXXX, I have not recieve a call or text messages about these claims, which is why I reach out to you guys as of right now. Both numbers start with XXXX and XXXX. However I blocked and ended up automatically deleting their text messages they send me.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 or other personal consumer reports

Transuion Credit Burea still reporting my credit score low because of my credit balances shouldnt have anything to do with reporting my score low. I think it being bias.I can not get a decend rate for a mortage. i need help with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX XXXX {$5400.00} DEPTEDXXXX XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}
Product: Debt collection

I was checking my credit report and realized I had 2 collections I did not recognize where they were from. I am a victim of identity fraud with many inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and derogatory information from my credit report. The accounts listed below are reported incorrectly and do not meet the compliance standards outlined by the XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are in dispute : I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2024 I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX Inquiry Date : XX/XX/2024 Under 15 USC 1666B, this is a billing error. Always paid as agreed on time. This is an error. This account is in violation. 
XXXX XXXX XXXXXXXX Please update the late payments all payments were made on time. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  XXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX  XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXXXXXX XXXX XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1681s-2, the FCRA mandates that XXXX of information to credit reporting agencies ensure the maximum possible accuracy of the information they provide. The inaccurate information currently on my credit report is a violation of this statute. 

Moreover, I have already filed complaints regarding this matter with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). These complaints highlight the non-compliance with XXXX XXXX standards and the resulting harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX declines me b/c they don't have accurate information XXXX is not reporting all my paid accounts proof is attached XXXX XXXX doesn't show up on paid accounts costing me loans XXXX XXXX I paid how the loan have proof attached XXXX still showing XXXX owed attached proof of paid