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

I reviewed my Equifax credit report and I totally shocked that Equifax reinserted fraudulent accounts on my credit report from 2-4 years ago. Equifax has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for Equifax to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX   | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} Equifax did not notify me within five business days before placing these old fraudulent accounts back on my credit report. Equifax has violated my rights and I will be consulting with a consumer attorney sue Equifax for its negligence.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

It's been XXXX months since our funds have been held in the closed account. We've provided all the requested documents, yet Citi Bank remains unsatisfied. Despite our repeated requests, each response takes 15 days, but the issue remains unresolved. This ongoing situation is extremely frustrating. These funds rightfully belong to us, and given Citi Banks vast network, they should conduct a proper investigation. That money isnt theirs to keep.
Product: Debt collection

Midland Funding LLC has been sending me collection notices in the amount of XXXX . The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccuracy and incompleteness were found on the accounts i place on the letter including unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I asked XXXX to report 1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. 

Serious Harm : means harm, whether physical or non-physical, economic, or reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :
Product: Vehicle loan or lease

I had my car finance with Santander and recently had my car repossessed after attempting payments that were rejected. According to them they were having problems with the auto pay option I had chosen, and hadn't notified me that they were not receiving my payments after a year and a half of on time payment history. When my health starting declining I would inform someone from customer service that I would need an extension on my payment or payment plans to accommodate me until I would be able to get my health on track as well as showing medical documentation to proof my medical history. Recently, there's been lawsuits and settlement claims from plenty of other customer with similar history with Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple issues : 1. First of all, this is a commercial loan, held under my business. The mortgage servicing company, XXXX XXXX, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of 2020 due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the 1st 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with XXXX, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of XXXX  had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of XXXX  regarding the matter.
Product: Credit reporting

I have been going over my credit report, and have noticed that Equifax has been posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : -- XXXX XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX - XXXX XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX XXXX was given my report twice in one day ( in XXXX ) and again ( in XX/XX/XXXX ) was given my report three times within 5 days. XXXX XXXX vehemently denies requesting it this many times. The only financing I sought out ( and received ) was a direct result of the inquiries I DID authorize above. I believe there is a huge mistake. Equifax needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
Moreover, Equifax 's notorious " canned '' response of " Inquiries are a factual record of file access '' does not apply when they 're giving it out freely to other people. FCRA says their must be a permissible purpose - you can not give copies out just because someone asks Equifax and most DEFINITELY can not give out copies without my permission. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 5 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney, as will any ensuing responses from Equifax that detriment what I am requesting.
Product: Credit card

Comenity Bank manages my XXXX Credit Card, a retail store card. They have instituted a fee to receive paper statements of {$2.00} per month. I believe this fee is unfair and could be discriminatory towards those with less access to technology. If they are providing the service of a credit card then providing a bill is part of that service and since paper has always been the default standard, this should not incur an additional cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report incorrect information ( late payment, when there is not ) and incorrect account status ( open, when it is closed ) on my credit report. 

As seen in attachments : XXXX has DELETED the incorrect late payment in writing. 

XXXX has DELETED the incorrect late payment ( and correctly listed the account as closed ) in writing. 

XXXX XXXX XXXX  themselves, attests that this late payment should also be DELETED in writing. 

Equifax has also DELETED the incorrect late payment in writing, yet they have recently contradicted their own finding and correspondence and have now re-listed this payment as late and the account as open... Both are incorrect and is causing harm to my credit report. 

This has been the THIRD time I filed a complaint against Equifax about the same issue that is still unresolved... 

I demand for Equifax to follow the correct decisions of XXXX XXXX XXXX, XXXX, and XXXX to promptly DELETE this incorrect late payment still showing on XX/XX/2022 from XXXX XXXX Bank and for this account to be officially marked as CLOSED. 

Especially since this is the THIRD time I have filed a complaint against Equifax on the same issue with no permanent resolution, failure for Equifax to permanently DELETE this incorrect information and failure for Equifax to show this account as CLOSED will result in immediate small claims lawsuit after the allotted time set forth by the CFPB and applicable laws.
Product: Credit reporting

XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.
Product: Credit card

I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the administrator of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX correspondence be electronic as I travel XXXX XXXX of the time for work ( XXXX  also strongly encourages their customers to sign up for electronic correspondence ). I had also recently XXXX. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft 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, remove 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, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

This one was dated XX/XX/year> I have no knowledge of this debt
Product: Credit reporting or other personal consumer reports

Over the course of 2 years, I have been going through the proper channels to repair my credit. I have requested for XXXX, XXXX and Experian to remove an account that was mislabeled as a foreclosure. After XXXX XXXX  made the mistake of reporting the account incorrectly, the bureaus took over a year to do the proper investigation. I have requested that XXXX XXXX  supply me with supporting documents and they have failed to do so and it has costed me my livelihood for my family and I. I have requested a re-investigation every 30 days since XX/XX/2022. 

I also have tracking numbers for certified letters. XXXX XXXX  will not respond and I have already lost my patience!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Upon reviewing my credit report. I noticed 2 separate ED Financial Services fraudulently using my name. 


1st balance : {$1700.00} 2nd balance : {$3000.00} Both accounts opened : XX/XX/XXXX When trying to access the account, the user name email is unrecognizable and not mine. 

The fraudulent account email is a XXXXXXXX XXXX  email. 

My Only email is associated with XXXX. 


I have submitted a filed complaint to the Federal student aid.gov website & XXXX credit Bureau Case # XXXX I am currently waiting for inquiry and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, AMERICREDIT and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Exeter Finance XXXX due to the account being inaccurate on a lot of the information. Account was settled and then reinstated. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1.  My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses and another name IMMEDIATELY they are not accurate!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Kikoff deposit account number XXXX Subject : Request for Goodwill Adjustment - Account XXXX Dear Kikoff Customer Service, I am writing to respectfully request a goodwill adjustment on my credit report regarding late payments on my Kikoff account, account number [ Your Kikoff Account Number ]. I understand the importance of maintaining a positive credit history, and I sincerely regret any inconvenience or negative impact these late payments may have caused.

The late payments in question occurred during a period of significant personal hardship. In XX/XX/XXXX, I was involved in a car accident that resulted in serious injuries. This unfortunate event led to a prolonged period of hospitalization and numerous surgeries. I was hospitalized from XX/XX/XXXX through XX/XX/XXXX and underwent multiple surgical procedures during this time. 
Due to the unexpected nature of the accident and the subsequent extensive medical treatment, I was unfortunately unable to manage my financial obligations, including the timely payments on my Kikoff account. My focus during this difficult period was solely on my recovery and health.

I am now back on the path to recovery and am committed to managing my finances responsibly. I have since resumed making timely payments on my account and intend to maintain a positive payment history moving forward.

I would be incredibly grateful if you would consider my situation and grant a goodwill adjustment by removing the record of the late payments from my credit report. This would greatly assist in my efforts to rebuild my credit after this unforeseen and challenging period.

Thank you for your time, understanding, and consideration of my request. I look forward to your positive response.
Product: Credit card or prepaid card

US Bank business card - payment account was blocked by US Bank after XXXX bank errors drafting auto-payment. Due to the payment issues, late fees were assessed repeatedly, after which over limit fees began to be assessed because the late fees caused the account to go over balance. At no time were charges declined, nor were extra efforts made to have the payment account addressed or updated. Upon speaking with US Bank, they declined to remove the extraneous late and over-limit fees and every time I was transferred to speak with a supervisor, our calls were disconnected. 

Highly unscrupulous and predatory banking practices!
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXXXXXX 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 60 days 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. 


XXXXXXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

XXXX XXXX XXXX is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.