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

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in they are causing me severe XXXX and stopping me from getting this job offer and now im homeless n cant provide to my two year old daughter and I started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my insurance policy without reason. They agreed it as their mistake but would not reinstate the auto insurance. They assured me that I did not owe anything and would not be reported to the credit bureau. I disputed this charge with Experian that did nothing.
Product: Credit card or prepaid card

I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. 

My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. 

On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. 

I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX  and then escalated again to XXXX XXXX XXXX. 

I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. 

Please help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$3.00}, XXXX XXXXXXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received debt collection attempt from Wakefield & Associates on a debt for a service that I never used, that I even signed paperwork with, on camera, as proof of refusal of service, four years after the fact. Original company attempted to get money out of my insurance, behind my back, but the insurance got wise to it and successfully disputed the collection attempt. Then they went after me, threatening and harassing me for a year before turning the bill over to Wakefield & Associates at double the previously listed amount due. 

When initially contacted by Wakefield & Associates, they claimed they'd been attempting to contact me for months. When debt was disputed, they refused to listen, kept asking for personal information, such as a credit card, and threatening me with damaged credit if I didn't pay immediately. By their next call, I'd learned what my rights were and what I had to tell them to get them to be bound by the FDCPA to stop harassing me. The employee on the other end of the phone acknowledged it before asking for alternate contact information that I had to, of course, refuse to give them. 

Just over four hours after requesting that they cease contacting me, they called me again, stating that the call was an attempt to collect the debt, asking for my attorney 's phone number, and saying that they couldn't stop contacting me unless they had one.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for inaccurately reporting information on my credit report and failing to correct the issue despite my disputes. XXXX is reporting an account as charged off, but the information they are providing is inaccurate and is negatively affecting my credit profile. 

I have disputed this account multiple times, but XXXX has failed to correct or remove the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure that the information they report is accurate and verifiable. However, they continue to report this account incorrectly, despite my attempts to have it corrected. 

Requested Resolution : XXXX. Immediate Investigation & Correction I request that XXXX conduct a proper investigation and either provide verifiable proof of the accuracy of the charge-off or remove the incorrect information from my credit report. 
XXXX. Compliance with FCRA XXXX must comply with the Fair Credit Reporting Act and ensure that all reported information is accurate, complete, and up to date. 
3. Removal or Accurate Update of the Charge-Off If XXXX can not verify the charge-off with valid documentation, they must remove it from my credit report to prevent further harm to my credit standing. 

XXXX failure to investigate and correct this issue violates my rights under federal law, and I am seeking immediate intervention from the CFPB to ensure compliance. 

Thank you for your time and assistance in resolving this matter.
Product: Checking or savings account

Navy Federal credit union has had my account Frozen since XX/XX/2017. I  have tried to resolve the issue with them directly but I have gotten nowhere with them. I am so frustrated. It has taken this long and NFCU will not resolve the matter and they give me no answers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from XXXX, Experian, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file.

Furthermore, according to the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

****CFPB, Please take note of the response and lack of documentation of procedures followed in the investigation of this dispute. The employees of Equifax consistently fail to due a proper investigation. They do not ask any specific questions to the creditors they just accept any automated response from eOSCAR as proof or verification. They do not provide documentation that proves anything nor do they reference any calls made to the creditor. They are failing to comply with FCRA consumer guarantee of maximum accuracy. They are keep accepting responses from the creditors their customer instead of following the law that protects consumers from abuse, inaccurate and unfair reporting. **** The following accounts are inaccurately reporting as late payments : XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 15 U.S. Code 1666b - Timing of 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. 

The creditors have not sent me any notification and I have never received any communication from them in certified mail. So it is impossible for them to prove this. They are not in compliance, this alone requires you the Credit Agency worker to delete this late payment record as its it inaccurate and should not be on my report. 

https : XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report https : XXXX This law states that you can not report on transaction experiences such as late payments! 

All these creditors I am listing are clearly in violation of this law. CRAs are required to comply with this law and delete these late payments as they are inaccurate. The Credit Agencies nor the Creditors are above the FCRA and its guaranteed protections to consumers. 

All of these late payments must be deleted immediately. You the Credit Agency need to comply. These creditors have issues with their payment systems, info systems, they dont send notifications, etc. Its clear that what they are telling you is inaccurate. 

Equifax keeps sending me letters saying they have verified these accounts! Stop this loop! FCRA says you must delete. If you refuse, just know that this dispute case number will be cited by the Consumer Law Attorney that I use to press for violation fines! 

Thanks you for you attention to this matter.
Product: Credit reporting

On XXXX, XXXX, 2015, I contacted all three credit reporting agencies by phone, to get my free annual credit reports. It was indicated that it would take about fifteen ( 15 ) days to receive the reports. As of today, I have only received one, which is from XXXX. I have not received any correspondence from Equifax or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a notification via XXXX XXXX that I had 2 collections accounts. Company is Key Note Consultants in the amount of {$7000.00} and {$1400.00}. These are NOT my accounts or debts. Please assist with removing them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not remove a medical collection under {$500.00}. I filed dispute Confirmation number : XXXX on XXXX to remove a medical debt under {$500.00}. Equifax reported that it is being reported correctly. They previously removed the debt earlier in the year as they should and it came back to the report in XX/XX/2023. Equifax even has a creditor class of " XXXX XXXX '' for the {$440.00} balance. 

To add, I paid the account in full, and I'm not sure what the {$440.00} is for anyways. See attached details : 1. Original invoice for {$2000.00} from the ambulance company 2. New invoice showing the {$2000.00} paid 3. Equifax dispute document that shows " XXXX XXXX '' and a balance of XXXX, with their statement saying it is correctly reported.
Product: Payday loan, title loan, personal loan, or advance loan

Very bad service, the representative or so-called XXXX handled my application process poorly. XXXX was very rude, confused and uninformative on the loan process. 

They have no customer service experience. I had to call back XXXX  in XXXX days to get an answer only to get a half baked excuse with no explanation on an unapproved loan. Avoid doing business here. 

They take your information and share it with other companies and dont inform you if youre approved not. Playing games with you mind on how your pre-approved for loans?!?!
Product: Bank account or service

This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Debt collection

On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Credit card or prepaid card

Home Depot card was being paid in lump sum amounts for those interest free for 6 months items and I NONE of the payments went toward the promotional items. 
I pay every month more then the amount is due for a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my chase credit card nearly 6 months ago. At least I thought I did. Turns out it was used for an online purchase I made by mistake in XXXX. The payment should have never gone through but apparently they did n't cancel the card. Anyways I did n't get any notification of the payment because the emails were going to my junk email. I was notified by XXXX XXXX yesterday (XX/XX/XXXX ) that I had a delinquent account. I paid it immediately. I attempted in the morning ( XX/XX/XXXX ) to ask Chase to remove the negative remark from my account. They informed me the federal government requires them to report negative actions according to the fair credit reporting act. I found out that was n't true. A few hours later I called them back to discuss why they had lied to me. I attempted to record the phone call and they refused to talk to me because I was recording the call. I refused to stop recording and ended the call
Product: Credit card or prepaid card

XX/XX/2017 Called bank of America credit card department to remove myself as a authorized user of my ex-husband credit card. I didn't know why my name was on it in the first place. The associate told me that if I didn't have the account number they couldn't help me. I called again with the account number. The associate said that she couldn't verify me so couldn't help me. I told her that she couldn't ask me any of my information. She said she couldn't. I asked her what was her name and she said XXXX. I asked her what is her last name and she refused to answer. She could ask me any questions to verify me but she didn't.
Product: Debt collection

XXXX XXXX XXXX XXXX has 2 files one past due from move in XX/XX/18 to XX/XX/18 total outstanding {$4400.00} then another in collections dated XX/XX/18 in the amount of {$4400.00} This is the dwelling rented by XXXX XXXX ; I was the XXXX  for his XXXX  child. I was told since I would be in the dwelling while caring my name should be listed as authorized to be there. I did not have anything to do with any lease as I never resided at the unit. I have spoken to an agency attempting to ask for a payment and I provided them with the same information
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all bureaus do an investigation on the account I have listed below. 

According to the FCRA, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Transunion and XXXX stated my account was accurate/updated ( pages 3-9 attached document ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing/highlighting the inaccuracies ( pages 1-2 attached document ). 

Account : XXXX : XXXX ( Transunion ), XXXX ( XXXX ) Also, In accordance with the Fair Credit Reporting Act, 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/2025, I closed my account with XXXX XXXX XXXX  and made a final payment to settle my balance in full. After completing this process, I expected to receive confirmation of the account closure and payment status. Unfortunately, despite my numerous requests for this information, I have not received any statements or documentation confirming that my account was closed in good standing. 

To my dismay, I recently discovered that XXXX XXXX XXXX  has reported my account to TransUnion and XXXX as delinquent. This inaccurate reporting has had a negative impact on, this impacted my credit score dropping by XXXX points. I believe it is essential to rectify this situation promptly, as it appears to be a result of an oversight or miscommunication.