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

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have requested for several years for Transunion to correct long standing errors on my personal credit profile relating to my XXXX XXXX XXXX credit card. Transunion has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a XXXX XXXX XXXX credit card since XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. Transunion refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had XXXX XXXX XXXX use and XXXX verification process. So I called again. XXXX XXXX XXXX has no idea what XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help Transunion make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both Transunion and XXXX XXXX XXXX multiple times. At least XXXX XXXX XXXX  tries to do something. Unfortunately nothing has worked XXXX XXXX XXXX Made yet another request for transunion to update and report the account. They tried a couple of weeks ago. I received a letter from XXXX XXXX XXXX  dated XX/XX/XXXX stating that Transunion would not update they account because they say the account has been off my credit report for 7 years. So again I call Transunion and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called XXXX XXXX XXXX again today and they have again requested Transunion update the information to be accurate and correct. Transunion so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to multiple data breaches I decided to place a freeze on my credit reports for security reasons. I was able to register for an account online and place this freeze with XXXX and XXXX, but Equifax gave me an error regarding inability to verify my identity, and that they would send me a Pin to verify my account. I got the letter in the mail and followed all instructions to register the pin and try to connect my account. I keep getting a message saying " We can't complete your request at this time. 
Please call the Customer Care team XXXX '' However whenever I call the number i am unable to get a customer care representative. It just keeps asking me to verify personal information and information about my credit report, and then says " unfortunately we can not help you '' even though all of the information I entered is correct ( verified through credit reports ). 

I tried re-creating a new account, but it says i have an account and need to try to login to it. I tried resetting the password ( which asks for personal information to verify your identity, and then gives me the same error message above. 

I am stuck in an endless loop of errors and systems that are completely useless, and have no way of entering my account to verify my credit freeze or manage my credit freeze.
Product: Checking or savings account

i have aske capital one 360 savings on several occasions to release my funds totaling over {$2000.00} and they refuse to do so. They have been holding my funds for over 2 years and they wont release them. I need that money post COVID to pay my bills and they are putting me in a financial hardship!
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative credit entry on my credit report for an account that was paid in full. The creditor is XXXX XXXX and this account has been paid in full. When I contacted the collection agency, the representative agreed to completely delete the item from my credit profile and it still appears as a negative account.
Product: Credit card or prepaid card

I have Credit Limit {$4000.00} and balance {$1300.00} I credit card was denied, I called credit card about it and asked about explanation they said computer has hold balance, I said why all they said we are sorry
Product: Checking or savings account

On XX/XX/2019 I went to the bank and deposited checks which added to {$400.00}. I looked in my checking account later and saw that {$200.00} had been subtracted. When I made inquiries at the bank regarding about the {$200.00} I was told that they could only account for {$200.00}. I was asked if I had scanned the checks or knew who had given me the check and I told them I have been banking at BoA for over 20 years and was not ever told I needed to scan the checks. I received the checks while at a conference and I do not know all the persons who gave me the checks. I asked if someone dropped or lost my checks before they scanned them and I was told no. I have a receipt showing what was deposited and I think some numbers had to been put in to show how I got the receipt. I was told that the tellers never put in the numbers and they just enter what ever the customer states on the slip. I put in a complaint and XXXX of the business office told me I me that I needed to go to the Bank where the transaction took place, speak with them about the problem. I returned to the bank and was told by Ms XXXX that the tellers do not enter the checks just the number that person said they were submitting. The bank sent me copies of the checks they could account for from me. I did notice that the deposit slip they sent as what I turned in was not the one I filled out. It was a form someone else submitted showing just the {$400.00}, not the listing of checks that I filled out on the form. I would like to get the return of my money if possible. I still have my receipt and the copy they sent me regarding this issue. I can not understand how I can be held responsible for this problem and no one taking account the bank could have made an error. My missing checks could have been dropped or misplaced. I do not know how to scan the papers to you but I can put them in the mail if it will help. Is there an address and person where I can send the copy of my receipt and the letter I received?
Product: Credit card

I was hours late on paying my bill, I always pay in full since XXXX XXXX XXXX when I opened account! I had a late fee of {$27.00} and interest of {$7.00} I did not pay attention and ask for charges to be removed before I paid them off the next month. So this interest and late fee is showing up on satements. I requested that they be refunded and the representative says there are no late fees or interest. I say it is printed on my bill and they assure me that there are no late fees or interest. What they mean is they will not refund the interest and late fee because I already paid that bill. In the past if I was late they refunded. I have paid you thousands of dollars in the last 14 years and I expect to be treated like a valued customer! The bill is from XX/XX/XXXXXXXX XXXX XXXX When your representative says there are no late fees or interest when it clearly shows them on my statements it questions the honesty and integrity of the company!
Product: Credit card

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Product: Checking or savings account

XXXX over {$1000.00}. I tried to contact them numerous times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am writing to make it be known that both XXXX and Transunion have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XXXX and XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.
Product: Credit card or prepaid card

My BarclayCard account was closed a few years back but I still carry a small balance on it. My online account was closed and I am no longer able to log in and make payments, or retrieve statements. My due date is approaching but the company won't grant online access so I can make my payments. I was advised they closed my online access because it was flagged as fraud ; they won't advise me what caused a fraud alert either. The male I spoke with said he didn't know what flagged it as fraud and that we wouldn't reestablish my account access. At this point I have not received my statement for the month because I am enrolled in e-statements. I submitted a claim with the same rep and he said he wouldn't provide me a case number. I had callback about 30 minutes later to obtain the case #. A claim not submitted and a response was expected within 1-2 business days but still no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed up to XXXX  for XXXX but ever since Ive been waiting almost 2 months to get approved. Checkr keeping pushing my completion date further back with no explanation I have tried calling to get in contact with representatives or supervisors to no avail. I would like to get in contact with a person thats in the supervisory position or higher because of their incompetence Ive been facing financial difficulties because XXXX is the only way I can work and Ive been at the mercy of Checkr because they refuse to do their job and complete my background check
Product: Credit card or prepaid card

So I received a letter of declination for a Target XXXXCard. However, I did not make an application for the card. This letter was dated XX/XX/2022. About the same time last year, I received a letter like this too, and I disregarded it because the application was still denied. Yet, upon recent events, I have noticed that I have been receiving many applications from other credit card companies saying I have applied for their card and are requesting information, etc., but again I have never applied. Thus, I believe I am going through identity theft. The declination letter I received from Target is asking me for a copy of my driver 's license, front and back of SS, and a utility bill from the last 60 days.
Product: Credit reporting or other personal consumer reports

Request XXXX for closed accounts. I requested all accounts that are open being credited from my name. Companies did not provide any information but as admittance to fruad and other laws violated an account was closed and deleted then placed back on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from Transunion. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). I attached my consumer report as evidence.
Product: Debt collection

Securitized audit shows bifurcated contract and payoff creditor paid in full lack of full discloser causing harm to man
Product: Credit reporting or other personal consumer reports

I received an alert from my monthly credit reporting from XXXX for late payment for my vehicle loan despite my payments being made by the due date however it posted days later once the monies were received. I have no control over how the banks transfer monies and when the accounts are updated. 

This caused a XXXX point drop with my credit score from XXXX, a XXXX point drop in my score with XXXX, and a XXXX point drop in my score from Equifax. 

XXXX, and XXXX have my account as 30 days past due and Equifax has me at 60 days past due which my account is not. 

My credit scores were XXXX with XXXX, XXXX Equifax, XXXX XXXX, before the erroneous reporting. Under 15 U.S.C. 1681 which allows remedies for reporting erroneous information.
Product: Student loan

To Whom It  May Con cern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and  XXXX   ) for  my  XXXX   XXXX  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearances, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward. I recently entered into an income based repayment plan, but my credit report still shows student loans with late payment statuses.     As a courtesy, I am requesting that Navient make a goodwill adjustment and remove the late payments for the following loans ; so that  I may q ualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   5  Late Payment s  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX     XXXX    5 L ate Payments   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX    XXXX   5 Late  Payment s  XX/XX/XXXX ,  XX/XX/XXXX  ,  XX/XX/XXXX , and    XX/XX/XXXX      XX/XX/XXXX   I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a Navient customer in good standing.     Thank you for your time and consideration  XXXX   XXXX
Product: Checking or savings account

This is about the exorbitant fees banks in general charge when you haven't enough money in your account to pay. Truist bank now charges {$36.00}. Each time. Its a policy banks came up with ... Truist will charge me {$36.00} whether they refuse to pay it out or do pay it. We are charged regardless. There's no way to get out of this fee if my funds are low so it keeps going and adding up... then they charge you again if you still don't have funds after seven days. Its an ethical thing. Banks do nothing for me ... .I get no interest any more and they use my money to invest ... What do I get in return??? A fee that they set so they the bank the board make more money off the back of in my case a XXXX XXXX. They are ROBBERS. They lose nothing but they to gain at my expense. 
We have to be protected.
Product: Debt collection

I do not think this debt is valid. I have never used this company nor do I have any affiliation.
Product: Debt collection

I do n't owe Ic system, i did n't open an account in XX/XX/1016.They have nothing with my signature, i believe it 's a scam.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with thXXXX XXXX XXXX  XXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates XXXX XXXX XXXX. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and was shocked with how there were inaccurate accounts there so please check the documents I've sent.
Product: Debt collection

This debt hit my credit i did not live in XXXX XXXX at the time of service for XXXX. In fact ive never had XXXX  before. And i live in XXXX
Product: Debt collection

I received a letter from XXXX XXXX Solutions claiming I owed {$12000.00} from a defaulted credit card from XXXX dated back 2 years ago. I never opened a credit card from XXXX in my life.It is a case of mistaken identity and not identity theft. I know this since I contacted my 3 credit bureaus and they are all 100 % clear. I sent XXXX a very detailed letter demanding why they believe I owe this debt. They failed to provide the majority of the documents I requested per the FDCPA legal requirements. They only could provide some old billing statements from XXXX which had the name of a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX XXXX is not my address and this debt belongs to another person. This is clear harassment and I believe they found my name on a generic people finder site on the web which anybody can access, which often has incorrect information. 

I tried to clear this up with XXXX but have been unsuccessful to this point. I recently sent a detailed legal type letter to their fraud department and I am awaiting their response after they conduct their investigation. They seem to be discombobulated in their responses, sending me a letter claiming i owed the debt. This was after an earlier phone call with a XXXX rep. who didn't speak English very well. 

I have received a second letter from another collection agency on XX/XX/XXXX, XXXX XXXX XXXX, XXXX NY. They allege I owe {$12000.00} from XXXX also. Obviously the same debt and the previous agency was seeking to collect. I have also sent them a dispute letter with the same language as before which was sent to XXXX XXXX XXXX.I am not sure if the debt was sold to them. My fear is this will not be resolved without legal action, since these agencies are known for their underhanded tactics. 

This is starting to get out of hand and is purely harassment at this point. I need somebody to help with this situation. I do not want to pay an attorney, but as a last resort if it can not be rectified by authorities. Thank You
Product: Money transfer, virtual currency, or money service

The company, or its staff, seem to be threatening to take the business ' refund, in alignment with issues with the local bank staff 's pettiness and irregular professional ethics ( a XXXX here in XXXX ). It is happening virtually. The branch in question is probably irrelevant, as there are several branches here in the same block. ( XXXX and XXXX streets in XXXX XXXX, MA ). Not XXXX or XXXX. Their staff are all qualified, it appears, to hold the same role in other branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting XXXX, XXXX, experian and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.
Product: Debt collection

Wakefield & Associates say I have two accounts opened in 2018 And I have no knowledge of them whatsoever. I disputed with XXXX and they were able to find the same evidence and take it off my credit report? Why XXXX is saying something different is beyond me? THESE ACCOUNTS IN 2018 are NOT MINE