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

I have been paying Experian for a couple years for credit repair the boost option wont show my phone bill payments or other monthly bills it give me a credit card offer from XXXX bank after my score was going up I setup auto payment then the bank wasnt taking my payments the app wouldnt let me log in it keep telling me my info was incorrect then I revived a call a couple months later and I explained I had moved and couldnt log in I made a payment and requsted to set up autopsy they took payment and said soon as I hung up it would let me log in it still wouldnt and I called number back but it wouldnt let me call I think Experian is a scam and deliberate do this to people so they will keep paying them now I cant even find on site for them to stop billing me for service I feel is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax credit breach. I wanted to freeze my account with Equifax. I attempted to do it online yesterday and it said that I needed to call to get it done. I called yesterday and they said that their system was down for a security update and were unable to process the request. They told me to call back later, which I did. I tried to place a security freeze today and got the same error message telling me to call them. I have now spent almost 12 hours either on the phone or waiting for a phone call from Equifax to get my credit report frozen. Today, on separate occasions, they said they were unable to do it over the phone and that it had to be done online, that their system was down for a security update and that I needed to call back later, and that I gave incorrect information and needed to fax them documents. I was given a random 888 number to fax personal documents to, which I am not comfortable doing. It feels like they keep dodging my request. Since I never wanted an account with them, never signed up for it, and they are the ones that allowed my data to be compromised, it should be a lot easier to put a security freeze on my account than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent authorize nor benefit from the following inquiries. Please block and remove from my credit report on all credit bureaus ( XXXX, Experian, XXXX ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax Information Services LLC XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Dear sir, I have received two mails indicating the submission of personal information for verification of identification and security freeze which prepared on XX/XX/24. Since I already submitted them several times and I am now on the data breach settlement with your company, Equifax. I do not think it is necessary to submit for these reasons. If necessary, please indicate different reasons why you need my personal information. 
Sincerely,
Product: Credit card

Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.
Product: Checking or savings account

I opened an account online, received a debt card and everything. One day after having the account less than 30 days the card wouldnt work. Called navy federal credit union and was told my account was under fraud review. Got transferred and was told the account isnt for use due to discrepancies while opening the account. When I ask what discrepancy, was told I can only receive that information through a subpoena. Ive never been denied a bank account. Asked multiple time what would be reasons for this and was told repeatedly I could only get it through a subpoena. Was told any funds I already deposited I could access at the bank and close the account. What in the world is going on??? I cant even log in to get the account number
Product: Debt collection

Date XX/XX/XXXX LVNV FUNDING LLC This company has violated 18 USC Sec. 242 and 42 USC Sec. 1983 42 USC See. 408
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan that has been closed. Ive called and disputed directly with Equifax and XXXX, but they won't comply or respond to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account does not appear on Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN.
MY ADDRESSES ARE INCORRECT EMPLOYERS EVEN PHONE NUMBER ITS BEEN OVER A YEAR AND THIS IS RIDICULOUS!!!!!

Credit Report Inaccuracies XXXX
XXXX  XXXX  AND Equifax From: XXXX  XXXX  I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing INCLUDING MY INCORRECT ADDRESSES,EMPLOYER, AND PHONE NUMBERS on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Sincerely,
XXXX XXXX  Enclosures:
a. Identity Theft Report
b. List of Fraudulent Accounts on my Report
c. FCRA Sections 605,609,6011
d. Proof of Identity and Address

 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
ACCOUNTS:
    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank is still showing me as a joint member of an account I was removed from months ago. This action has destroyed my credit score from a XXXX to a XXXX, I have attempted to go into PNC to fix this issue and the inaccurate information appearing on my credit report. The account belongs to my former spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to Experian on the number listed on their Website under contact us. Every time, including today XX/XX/21, I get an inept Customer Service Rep that puts me on hold then hangs up on me. All I'm trying to do is fix the Information on my Experian membership to correctly reflect my true Bank Accounts. 

Worst Customer Service experience ever, never can get a competent human to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXX XXXXt I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Checking or savings account

Hello, this is XXXX XXXX, I have hearing problem, I call XXXX help is to difficult, I so apologize for the bank, I dont know why I sen {$500.00} say black cases, and I have call frist time, the manager said good, tell me all can send, I have money in my account more than {$500.00}, this is second XXXX, please help me, I need to pay my bills, the rental, i cant listhank you, please check how worong
Product: Credit reporting

XXXXIs reporting XXXX account I have dispute these accounts to the Experian asking them to validate the debt do to the fact that I have dont remember going to the hospital at anytime. I want Experian to tell me who they spoke to at XXXXso I can follow up with them because I dont believe the debt to be mine and I want all XXXX XXXX account deleted from my Experian credit report.
Product: Credit reporting or other personal consumer reports

This company Navy Federal continues to report inaccurate information to the credit bureau along with XXXX continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how XXXX continues to disregard and manipulate my credit report with inaccurate ans false information. 
There are XXXX accounts that I'm speaking of with the same problems and this has been going on for 7 years
Product: Debt collection

LVNV Funding LLC is trying to collect for an account that not mine. They havent responded to my letters asking for proof that the debt is mine with no response. When I found out about this account it was closed in 2018. When I look now it says open and verified. But theyve never sent me anything. I lived in the same address for 9 years now. I dont even think what theyre doing is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company stores my sensitive data, hires a diversity hire as their Chief Information Security Office where her specialty is music composition, then they get hacked and rather than letting people know the execs sell their stocks. 

I use the equifaxsecurity2017.comXXXX to find if I was impacted and it says yes, and then they try to sell me a service to make a profit off of my visit to their website which is spurred by their incompetence in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so despairing. What is happening with you Equifax XXXX XXXX credit Bureaus? FYI, this debt was paid to the original creditor and has no business continuing to report it as a collection account. In fact, I never had a contractual obligation with this collection company and they are fraudulently claiming I owed them! Please review your records regarding this accounts, as we have established the bureau 's propensity for reporting inaccuracies. You are violating Fair Credit Reporting Act law section 611 for reporting inaccuracies on my file. This will be my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$82.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank reporting late payment on my card i was never late Usa XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Account Under 15 USC 1681c-2 ( a ) I am writing to formally request the blocking and deletion of a fraudulent account from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ). I am a victim of the Equifax data breach, and an unauthorized account has been opened in my name without my consent. 

The fraudulent account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX As per federal law, victims of identity theft have the right to request the blocking of inaccurate or fraudulent information resulting from identity theft. Enclosed with this letter, I am providing the necessary documentation to support my request : 1. A copy of my government-issued identification.

2. A copy of a recent utility bill or bank statement to verify my address.

3. A police report or FTC Identity Theft Report documenting the fraudulent activity. 
I request that Equifax immediately block and delete this account from my credit file and provide written confirmation once this has been completed. Additionally, please notify XXXX XXXX XXXX of this action.If you require any additional information to process my request, please contact me at your earliest convenience. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This concerns a report to the " XXXX XXXX XXXX XXXX ''. A XXXX XXXX from PNC Bank k submitted a " Dishonored Check Reporting From '' to this organization. The form listed a check. The listed check was honored. I asked that they correct their error but to no avail. A XXXX XXXX from PNC Bank called me and just read off pre-prepared form with excuses without substantively addressing the problem or taking an interest in correcting the problem. Now I have an attorney grievance committee filing a complaint about a dishonored check that was in fact honored.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I drove to a credit union I use and withdrew a bank/cashiers check in the amount of {$100000.00} payable to myself ; I then drove across the street to TD bank and deposited it into my joint TD account as my husband and I were closing on a house on XX/XX/XXXX, and wanted to get XXXX check for our closing. Later that day we noted it was on hold in our account, I called the branch and the woman I spoke to told me she had no control over the hold and that if I had an issue I was to call corporate. On Monday XXXX I saw that there was a 6 day hold placed, so I called corporate and spoke to two different people. The second person informed me that she had to send a request to have it released, that it was set to release automatically on the XXXX but it should be no issue since it was a bank check and came from my credit union account, and that we should see it available on Tuesday the XXXX. It was not released on Tuesday, so my husband sent a secure message online. On Wednesday the XXXX, they released the check and told him to have a nice day, shortly later the check was put back on hold. I called corporate again and this time spoke to XXXX different people, the third person told me not only did they put it back on hold but it was now not to be released until the XXXX or XXXX and to go into the branch. I packed up my XXXX XXXX XXXX and XXXX XXXX XXXX and brought them to the branch in the pouring rain where I met the assistant branch manager who told me he could not release the hold, he had to send a request to corporate. The next day I was informed that that team would not release my check. I have since emailed the CEO and their escalation email teams with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I made my payment to Comenity on XX/XX/2023 for {$57.00}. 
They then took another {$57.00} from my debit account on XX/XX/2023. 

I called them to resolve the issue and they were of no help. They said they would issue me a paper check for the unauthorized amount but refuse to help in any way for the fee I will be incurring with my bank because of their fraudulent charge. I am now under {$57.00} in my debit account and will be charged an extra {$35.00} because of comenity bank. I called my bank and since the charge is still pending they can not put a claim through to stop the payment and comenity bank is not putting a stop to the payment on their end.
Product: Credit reporting or other personal consumer reports

I received a text message on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. Stating that they are attempting to collect a debt that i disputed with XXXX XXXX and associates back in XX/XX/year>. This was removes due to lack of verification and this being a FTC violation of code 15 USC CODE 1681S-2. It looks like prince XXXX has since sold my information to the above. Again direct violation of FTC. I disputed this with Experian and they stated the information is correct. However it is not. Also, it is missing collection agency address a contact number.
Product: Credit reporting or other personal consumer reports

My credit report indicates that I have had 3 late payments but this is not true because the 3 late payments all occurred prebankruptcy.
Product: Credit reporting or other personal consumer reports

There are inquiries that I do not have accounts to or apply to. I would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company DUVERA Billing Services , LLC, ending account number : XXXX, reported in my credit report this account and I did a claim with XXXX because that is incorrect, This account is not mine, one year ago I spoke with them for a service loan for {$800.00} dollars, never {$3900.00}, when I saw this amount I called them and I did the claim, that is a fraud. 
I need this company remove this account of my credit report because is not mine.
Product: Credit reporting

I applied for a business loan through a bank and they pulled my business credit report Business name is XXXX XXXX XXXX XXXX XXXX # XXXX there is something listed which is unknown to me, I believe placed in error on my business credit file. It also appears to be outdated and past the statute. I need help. I tried to call Equifax and can not get anyone one on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a charge account with " Chim Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score. 

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above.

this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that Chime bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunuon is showing a collection item on my credit report however I have never had a contract or agreement with the company listed XXXX XXXX XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement