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

I requested the late payments be removed from Trans Union profile. I do not have any late payments and they have not sent me any information verifying I do. I asked for account ( XXXX ) that was remove previously for fraud to be taken back off permanently. XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX XXXX was deleted and added back without any verification of the debt to be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit card

I was in contact with chase banking on the XX/XX/XXXX with XXXX to make a scheduled payment on my account at XXXX to schedule a payment for XX/XX/XXXX. On XX/XX/XXXX the account had been closed without my notice and as I have answered and sent messages to their customer service team for assistance and have been refused and unanswered. I have called today ( XX/XX/XXXX ) with a pending payment with my XXXX XXXX XXXX of {$100.00} and can not access my chase account app to continue to make payments. I have made it known to multiple representatives that I am a student that had to prioritize education expenses of over {$10000.00} which was significantly more than the card to be paid off - they had brushed it off as I had made it clear on multiple phone calls that the card was not my biggest bill but also the smaller ones to be dealt with when my bigger bills were paid off. Between XXXX to XXXX I have been in communication with them and made it known to them that I am a student and have attempted to get different assistance options other than minimum payments to aid me in my situation and they have not offered such assistance.
Product: Debt collection

Repeatedly calling my number numerous times during the day, according to the FDCPA they can not continually call. Three times they called within 8 hours.
Product: Credit reporting or other personal consumer reports

This morning on XX/XX/2024 I woke up to emails and alerts from my XXXX XXXX app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX  checking account that was linked to my XXXX XXXX mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my report a credit inquired on XX/XX/ not authorized or recognized from 700Credit/XXXX For
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

7day hold on a check depositied to my Dime Savings Bank acct. Is n't there a rule against this?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XXXX I brought a car that was financed through Ally Financial. Over the 5 year period I have paid the payments in XXXX XXXX I paid XXXX to pay the car off like Ally said I owed. At the end of XXXX XXXX, my wife and I received the title and we kept the car continued to drivXXXX until on XXXX XXXX, XXXX, Ally had XXXX come and steal our car saying that we owed an additional {$3000.00} for fees, late payments and etc. I immediately called the police and insurance company cause I have a title that shows my vehicle free and clear. In XXXX they told me I owed XXXX on the car. In XXXX XXXX, I paid XXXX, XXXX I paid XXXX and they sent me documents with 3 different amounts on what was still owe I questioned them. In XXXX I paid XXXX and in XXXX after I contacted them to see how much was left they said XXXX. I paid that and I received my title in XXXX XXXX. Now I think it is very unfair that I paid all this money to have my car stolen from and now they are saying they are selling it again to someone else on XXXX XXXX if I do n't give them additional money. Every time you speak to someone at ALLY you get a different story. It does n't make sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XX/XX/2019 on my credit report from SYNCB National Credit Cards/Airlines that I did not sign up for. I do not have a card or account with this company. I called the creditor at XXXX that was provided to me through XXXX XXXX. When I called they stated they already submitted a request for removal and that it was an incorrect inquiry. Then they stated in order to get it completely removed I needed to call XXXX Credit Bureau. I called them at XXXX and the phone lines were busy every time I called.
Product: Debt collection

a company calling on behalf of EZmoney has called my grandma, grandpa, and myself and other family members over XXXX times telling my XXXX grandma unless she paid them money i was going to be arrested and charged with a felony and serve 5-7 years in prison this also was said multiple times to my grandpa at a seperate number also to me they read a license plate number from a car i had 15 years ago and threatened they were coming out right now to arrest me to both me and my grandparents i have signed affidavits from the two of them and me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently found a memo from XXXX stating that child support collections are not credit transactions and excluded from Consumer Files. Equifax and XXXX are willfully neglecting and non compliant to the FCRA laws
Product: Debt collection

I've been getting calls from a number. That i owe a debt that I know nothing about. 
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've just received a piece of mail today. Stating the principle assigned is XXXX. Dollars and XXXX cents. 
With the current balance of a {$170.00}, with the interest rate of 7 % total do {$170.00} And according the fair credit reporting Act 15 U.S.C-1681 this is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I previously opened a compliant on XX/XX/23 which XXXX, Equifax, and XXXX did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any of the following items of information Any 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 ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I signed up through https : //www.sofi.comXXXX to refinance XXXX {$30000.00} in student loans with a promotional offer of XXXX XXXX point for every {$2.00} refinanced. I even called in after to confirm that I was enrolled. Upon having the loan funded, as expected I reached the screen where I entered my XXXX account information. 

Thinking I was all set, I waited about a month for the points to get deposited in my account before contacting SoFi. I got a canned response " We can not apply a new link after it has been 30 days since your original loan funded. The system locks out the manual adjustment option after the 30 day time period. '' Attempts to escalate this internally got nowhere. 

I would not have chosen SoFi if it did not have this offer.
Product: Credit reporting or other personal consumer reports

my inforamtion was sold and bought illegally because i was a victim of equifax data breach i want this items deleted from my credit report effective inmediately equifax had admittted that infact my info was compromised and equifa have done nothing about it until this day please help me delete this illegal accounts cars credit cars phones
Product: Credit card

I was charged {$140.00} in late fees and interest by comenity bank for an ulta rewards credit card after I paid balance and closed account. After this, I was again charged interest on the closed account. I have called the credit company regarding this issue three times and they have told me each time that my payment would clear the balance of fees and I would not be charged again. I continue to receive interest charges even though the statement says my account is closed and previous balance was paid off. This creditor has severely negatively impacted my credit and continues to charge me interest on a closed and paid in full account! They offer no help when I call except that if I pay off the interest balance I will not be charged again even though they have documented that I have had this issue and paid the balance on two separate occasions.
Product: Credit card or prepaid card

i had flex payments with XXXX credit card. i made a payment of $ XXXX {$160.00} in XX/XX/16 and due to the way flex pay is reported i thought i was paying my card in full.so when i was contacted two months later about being behind on payments i explained to them that i paid my account in full. and i dont owe a balance on this account, and that's when i was told i cant just pay off the complete charges unless i called the bank that's providing the credit on their behalf and ask them for a payoff amount. After the explanation i made my past due and current payment. then the next month i get a call that im past due again. i responded that i just paid my past due and the present due payments. They told me how the payments were allocated. then told me im past due and my next payment is due in 2 days so i asked how much the both payments so i can once more be current. i paid the amount that i was instructed that would bring me current. Next thing i know the following month my credit score dropped 30-40 points for the second time because they reported that i was 30 days past due again.so when i reached out to the creditor i was told if i didnt make sure that pay payments were not current its my fault not the customer associate that im getting the information from i disputed to them directly and they refused to help me on this matter. i explained to them that i have a perfect payment history with them and with other creditors. that im working on purchasing a home and my score has dropped over 70pts because of the two confusing times when to my knowledge i didn't owe a payment. i just need to get this off my report 18 months later and its still holding me back. The sad part is that they admitted to me that others have had the same problem with flex pay thinking that they were paid off and because of the way its billed thery were confused. and really still owed money.that alone should of giving me the benefit of the doubt. before that all my payments were on time if not ahead of time. please help or advise me on how to get my record cleared up. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX XXXX Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.
Product: Debt collection

I received an Alert from XXXX that an new account was added to my report. Elevate Recovery, LLC. I have never heard of this company. I have never received a letter and when I called the number XXXX the representative was rude and said that there was no account in my name and then hung up. If this account is with XXXX XXXX or any other affiliate of XXXX XXXX, this is not my account. I have never received a bill or any other documentation from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX conspired with prev. servicer Shellpoint to remove and disappear my Escrow acct upon transfer, XXXX XXXX is a XXXX rated company and has predatory practices. 
They then increased my mortgage by 24.9 % while I reported I was adversely experiencing hardship and have failed to address in any way the missing {$5200.00} escrow. 
Meanwhile, I struggled to pay the XXXX as a XXXX homeowner and XXXX student and with stated reported XXXX  hardship. My XXXX was increased after stating hardship later that month to the amount 24,9 % max allowable increase by law : {$2400.00} from {$2000.00}! 
Eventually, after almost a year of this I brought the mortgage current in XXXX XXXX. 

During this period, they did not update online the amount due, and collected partial amounts which increased adverse reporting for XX/XX/XXXX due to not updating accurate amounts, when paid in XXXX, ( see attached 2 payments in order to get 1 payment to even show ) Stated on phone it didnt matter the partial amount showing and collected. I should have been shown delinquent one month less. 

I requested also multiple times for relief this extreme increase, last time was XX/XX/XXXX. It took XXXX to receive the updated analysis, finally arriving in XXXX. As such recently they did reduced it, but totally failed to timely respond by having gave absolute no notice of action or a response or a new escrow analysis, leaving me uninformed of reduction, to falsely believe I had pay more than was due as a method of intimidation and lack of access.. I requested relief with the escrow analysis onXXXX but they never sent any information and stated no record of my call, which was the day of payment and of which I have paper notes. On XX/XX/XXXX I dictated specific wording requesting assistance, this company refused on XX/XX/XXXX call to read any notes and on XXXX stated not even a call had occurred. Continually erasing and failing consumers with harmful actions. I have just XX/XX/XXXX received the escrow analysis rerequested on XX/XX/XXXX, but still yet no update of mortgage status I paid 3 payments and was current as of XX/XX/XXXX but they CONTINUE to falsely report me late more than 60 days as of XX/XX/XXXX I requested again for it to be updated and was refused assistance, customer service rep stating they had no ability to make a work request order for such. This occurred last on XX/XX/XXXX, when they call me on automatic dial. Supposedly my request was submitted but to date XX/XX/XXXX, there is no reflection of a simple request. 
I had currently paid over {$6300.00} in less than a week, and yet they still autodial harrassed me as if I am late. 
This action illustrates that they are purposefully not updating any information, continually trying to harm the consumer As of today, my credit reports last reporting from them XX/XX/XXXX and they have ignored my requests for accuracy. 
XXXX shows the devastating practices of this mortgage service and illustrates why they should be removed from doing business in the U.S. due to their predatory and harmful damaging consumer practices.
Product: Payday loan, title loan, or personal loan

I filed for bankruptcy. I called the company on my date and gave the information of my attorney and case number. That was Wednesday XX/XX/23. They took the information. My loan was due on XX/XX/23. My loan amount due was XXXX. On XX/XX/23 I checked my banking account and they did a withdrawal for XXXX. I called again and ask why the charges they said they did not. I gave my attorney and case information again and they stated that they they already had the information. They took more than what they were supposed to. I would like my money back and they go through my attorney.
Product: Debt collection

They have repeatedly called me on my job at the Maryland Department of the Environment even after I told them NOT to disrupt me at work. they have attempted to get me fired by calling my coworkers and supervisor and personnel and left a message on my supervisors voice mail. I will sue them if I lose my job because of this ongoing harassment. They are trying to adversely impact my job performance, humiliate me and get me fired. This harassment at my place of employment MUST stop immediately. How many people have they caused to lose jobs by doing this kind of unethical harassment. PLEASE stop these XXXX XXXX XXXXXXXX from destroying my life and anyone else 's life ... no human being deserves to be harassed, degraded and at risk of losing their job because of these evil, vile and unethical scumbags. STOP THEM! PLEASE!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a chime credit builder credit card and about 3 months ago i checked my credit report and it was reporting i have a late payment with chime of the amount of {$40.00} thats impossible cause i havent used the card in 3-6 months prior and you have to deposit money from your checking account to the credit building so you use your own money so you can never owe. So i called chime 2 months ago and i was told by customer service that the account was closed and i owe nothing and it was mistake and it will be fixed the next credit reporting cycle i waited a month after to see if it was fixed and nothings was fixed so i called again and i was told that in their system the account is closed and and current nothing owed and they do not believe so email a screen shot of the account off XXXX XXXX i did and they put me on hold for 3 hours once they knew i wasnt going to hang up they hung up on me.
Product: Debt collection

I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX XXXX XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit.

This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.