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

I have been told by equifax that they never received my dispute regardign ID theft on my account. That is completely false, because I have submitted it numerous times before. Equifax is intentionally denying my request to remove the unauthorized account from my credit report. 

XXXX XXXX ( XXXX ) ( XXXX ) This accounts were obtain through fraud and are not mine. I have included previous POLICE REPORTS, FTC ID THEFT REPORT, as well as statements and Equifax has denied my request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND 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 in 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, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I received a pre-qualification letter stating my interest rate would be 4.99 %. I applied online with the pre-qualification code and received an email saying I was approved. No where in the email did it say that I was n't approved for the pre-qualification rate. I received an email to call in to confirm some details. Only at that point was I told the rate was different then then the pre-qualification and after I was told I was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX  inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX  Inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  - Card Service inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX  - Auto Finance inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX  - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - ( XXXX ) XX/XX/XXXX I am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Equifax and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that XXXX XXXX XXXX Equifax XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
Product: Student loan

Navient is stating I own XXXX XXXX over XXXX I do n't own XXXX XXXX a dime. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to use a balance transfer from HSBC using my Master credit card ending in XXXXI had a XXXX balance and transferred {$5000.00}. As I was hitting the prompts the process informed me that is was completed. There was NO disclosure of interest or length of time for the balance transfer. I immediately call HSBC and cancelled the transfer. The Customer service rep. cancelled it telling me it woulkd take two weeks but THE AMOUNT OF THE TRANSFER WOULD NOT APPEAR IN MY ACCOUNT AS A DEBT.. This morning that account shows a debt of {$5200.00}.

I called and spoke to several customer service reps. Conclusion : I must carry that debt on my credit for two weeks. If they can charge my acciount within 24 hours why does it take two weeks to reverse it? I am very angry with them for having an online process without any disclosures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX cell. 
XXXX Land
Product: Checking or savings account

There has been a major delay in direct deposit processing. Capital One emailed at XXXX on XX/XX/XXXX saying the issue would be resolved by the morning on XX/XX/XXXX, however, I woke up to no direct deposit and no update from Capital One. Those is a widespread issue.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous XXXX XXXX and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof the accounts appearing in my report without me knowing. 

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

XXXX previously removed a specific account from my report for being unverifiable and inaccurate and then after removing them experian added back to my account which is legal and against the FCRA loan I need you to remove immediately. 

Also, knowingly publishing fake and inaccurate information that can personally affect my credit report a negative way is also against the FCRA Also, these accounts are not published by the other two credit bureaus for they have been found as unverified and inaccuratefor one credit bureau to publish non-accurate information is also breaking an FCRA
Product: Credit reporting

Equifax Dispute Confirmation XXXX, does not address the issue or reason that I disputed. Their dispute reads " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX '' Again I have a check made payable to XXXX XXXX XXXX for the full balance. And once again they are refusing it, and insisting I call the company they sold the debt to. 

The company listed on my credit, must be the creditor. They must be the payable party. They can not list something without offering me a means to satisfy or pay it. This is ILLEGAL! The creditor name is essentially incorrect. XXXX XXXX would have to have whoever owns the debt, report to Equifax. This party can list XXXX XXXX as original creditor. This is being reported incorrectly. 

The listed party will not accept payment.
Product: Credit reporting or other personal consumer reports

I disputed and sent proof to have XXXX XXXX Bank delete the false debt that they reported to Experian. They deleted it twice. They then sold it to XXXX XXXX. Experian has been reporting the debt from XXXX XXXX after I have disputed this account and showed receipt of payment. I would like for XXXX XXXX Bank, XXXX FUNDING, and Experian to please delete this information out of their systems. I have shown proof and they continue to report the investigations in the companies favor. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Credit card

I have had a CitiBusiness Platinum Select AAdvantage Mastercard for a few years. XX/XX/2025 I decided to close it. It's impossible. There's no option to close on the website. The customer service phone line sent me in circles, going through the same questions and the same offer to transfer me to " business services '' again and again. Then they put me on endless hold -- longer than 30 minutes. All this to collect a {$100.00} fee.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence Factual Data XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. Delete the accounts below : Creditor name : XXXX XXXX, date of inquiry : XX/XX/2024, Bureau : Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that PayPal via SYNCBPAYPAL made an inquiry on my credit report on XX/XX/XXXX for the purpose of Credit Transaction. This inquiry appeared on my XXXX  credit report. On Wednesday XX/XX/XXXX I reached out it PayPal and was told they have no record of the inquiry. I then reached out to XXXX and was today they do not file disputes on inquiries and was directed to reach out to FTC to file a report to delete the unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor my addresses. Please remove them.
Product: Mortgage

XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.
Product: Credit card

I HAD A CREDIT BALANCE ON MY AMERICAN EXPRESS CARD FOR AMOUNT OF {$21.00} AS PER XX/XX/2016. I CALLED CUSTOMER SERVICE ON XX/XX/2016 & SPOKE TO XXXX XXXX . I REQUESTED HIM FOR REFUND CHECK FOR {$21.00}. TODAY, I RECEIVED STATEMENT OF THIS CREDIT CARD WHICH CLOSE ON XX/XX/2016. I DID NOT GET MY CHECK. CUSTOMER SERVICE OF AMERICAN EXPRESS IS VERY BAD & UNTRUSTWORTHY. IT IS NOT FAIR THAT THEY HAVE ALL THE RIGHTS TO COLLECT LATE FEE, INTEREST & REPORT TO CREDIT BUREAU. THEY SHOULD BE EQUALLY PENALIZE AS THEY DO WITH CUSTOMER. THEIR CUSTOMER SERVICE IS IN XXXX & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.
Product: Debt collection

MRS BPO , LLC debt collections violated my rights under FDCPA. The debt collector illegally park a unvalidated debt on my consumer report to all 3 CRA 's XXXX XXXX, and XXXX without contacting me over a allege debt not owed by me. They are continuing collection attempts on a un-validated debt after being told to stop, and they are continuing communications after being instructed to cease and desist. 

XXXX XXXX XXXX XXXX XXXX  AMOUNT {$190.00} My consumer rights were violated on XX/XX/2023 where MRS BPO illegally parked a allege debt on my consumer reports that made, 1. False representations, or representations that lack substance 2. MRS BPO did violate my rights by not providing validation notices to me the consumer giving me the information I needed to dispute allege debt. 
3. MRS BPO knowingly provided information to credit reporting agencies that they knew, or had reason to believe, was not accurate in violation of 15 U.S.C 1681e ( b ), and violated the FCRA 15 USC 1681b ( A ) ( 2 ) by accessing by consumer credit file without written consent or authorization by means of aggravated identity theft pursuant to 18 USC 1028A. 
Therefore this debt was never validated so on XX/XX/2023 MRS BPO , LLC received a letter dated XX/XX/2023 Certified mail number XXXX to stop collections attempts on this unvalidated debt. This debt collector was notified to the fact that because of their violations that I refuse to pay this allege debt and also to cease and desist all communications pursuant to 15 USC 1692c ( c ). As of the date of this complaint MRS BPO , LLC continues to violate the FDCPA by willfully continuing with the infractions mention above.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX. 2020 there was an agreement with XXXX  XXXX  XXXX XXXX # XXXX the agreement was if i pay XXXX that they would canceled the debt i flie a disput withall the agencie experian report that there reivesigation was compeled .you find the reaslt as update and not remove from the pettition experian credit report file.. here is the fact once a cerditor cancel a debt or wrritten it off a debt. the debt is to be remove because you are not laible for the debt. when a creditor is unable to collect the debt from me they may cancel it or writer it off. which in fact that what chase card servcie did they charge the debt off.,. now you are no long liable to repay the debt, but iam still Laible for to paying tax on that cancelled. XXXX  XXXX  XXXX  can not have both way. they are going to writer the debt as a bad debt and report to the IRS. to get credit on there belance sheet at the end of the year. i would have to report that 1099-c on my persaonl income tax retrun 1040 at the end of the year.went i file. i mail experian credit report agencie and all the credit agence of the agreement with a copy of check as evidence .XXXX  cash the check. and the debt was cancel and that was for XXXX  to remove or erase, from the credit flie because no long Liable. for the debt any more.. then experian needed to remove it from the report.
Product: Credit card or prepaid card

I purchased services through XXXX from a merchant on XX/XX/2019 using my Citibank credit card in the total amount of {$4100.00}. The cost of the service was {$4000.00} and XXXX charged a {$110.00} fee. The merchant was unable to fulfill the services so I opened a dispute with Citibank on XX/XX/2019. I sent in documentation proving the merchant did not fulfill services and blocked me from communication, but Citibank stated there was nothing they could do even though I provided proof.
Product: Debt collection

On XX/XX/21 at XXXX Company MCM , Midland Credit Management XXXX called me from XXXX and asked for my husband. I told them that I was at work and I'm not him but the person on the phone launched into a spiel about being a debit collector, call being recorded and proceed to tell me all the information of the debt. When I stated that it's a violation of law to do this in my state, as here in my state the law is " Communication with third parties Except as otherwise authorized in this rule, without the prior consent of the consumer provided directly to the debt collector or collection service, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the collection service. '' and I am none of those thing. So they have violated law by disclosing the amount of the debit and company it is for. All they can ask me is if I know how to reach him. 
At this point they hung up on me. 
I called back, and said I wanted them to know it was an issue. He said he'd mark my number as a wrong number. I said it wasn't a 'wrong number ' but the tactic they are using isn't legal. He hung up on me again. Called again and asked for a supervisor, have been on hold for 15 min at this point. I have to go back to work so I can not try to talk to the company any longer. 
This is not my first encounter with MCM using questionable methods and I am really tired of dealing with them in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with Experian for over a year now. I have one account in collections that they have bluntly refused to resolve. The representative from the fraud department told me the do not have to show me Proof of what they verified or tell me how they verified the debt that is not mine. I have called and requested over 4 times for verification that validated the debt. No help! They are allowing this company to report false information  onto my credit file. XXXX  and XXXX  have deleted this account from my report.This is a direct violation of my consumer rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the unauthorized inquiries that i see on my credit report deleted i have reviewed and followed the steps to identify this inquries to make sure it wasn't mine and i have reach out to the creditors as well but it is still showing on my report
Product: Debt collection

Moved XXXX telephone and internet service to new residence. Technician found new service could not be installed without digging up road. We opted not to do so. Service was never connected. 3 months later we get a bill. Took quite a while to get it taken care of after they threaten collections even though we never had service! They even said I had a credit on my account. I have their email saying that on XXXX. Last month I was contacted by Afni, a collection agency, to collect the same debt sought by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 & XX/XX/23, I formally requested verification of two said late payments from XXXX XXXX that are incorrectly reporting, & verification of alleged collections on my report from IC Systems, & XXXX XXXX. None of these 3 companies provided proof of late payments or proof of validation for alleged collections, nor did they send a follow up on their investigation for either request. Due to failure and compliance with my request for investigation, I demand for these items to be removed as I have been more than patient regarding investigation processes and times.