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

I was laid off from work inXX/XX/XXXX-XX/XX/XXXX and I reached out to XXXX XXXX XXXX for 1 time assistance. I had never had 1 late payment for 2 years and I asked if I could have help one time since I had been paying on time for 2 years +. They transferred me to their specialized payment plan team who advised me in order to 'help ' me I MUST go 30 days without payment and take a credit hit for them to allow me to pay my past due payment in 3 installments. I offered to make 1/2 a payment and a payment in a 1/2 the following month to avoid the credit hit. They declined and said 'No, you have to be late '. I feel this practice is unethical for their customers. I attempted to log in and make 1/2 a payment and the system would not allow me to. It required me to only make a double payment. I sent in a Secure Message stating I was upset with this and that they are MAKING their customer go past due and now allow them to make any sort of payment and by them requiring to go past due. I feel bullied and because of this and not allowing me to make payment it forced me to go over 30 days past due and they reported me late on my credit. I sent in a Secure Message filing a formal complaint, asked for a call ( attached ) and I left a message and never had a call back. They said they sent me a letter but I never received it. The only reason I know about their horrible practice of not allowing their customers to make even 1/2 payment, or 1 payment when 2 payments are due is because they reported me to 30 days late to the t agencies. They gave me no choice but to be late! Their system would not allow me to make payments as I could and they required me to be late to even help me even though I called them proactively to set up a payment plan to pay them!
Product: Checking or savings account

I am not satisfied from the response that I receive, why does he needs to call his bank to ask for the money back that was deposited to my account.. this will look Fraud on my credit report.. there is no Fraud or anything on this transaction.. XXXX XXXX is a deceased person.. now how can I get the money that was deposited to my account?
Product: Credit card or prepaid card

I was infected with XXXX XXXX in XX/XX/2020, I was not able to work and really keep up with any of my daily functions. Keeping tabs of my bills was one of them and received a late payment to my credit report during this period. I called Chase Freedom credit card to tell them the situation but they did not want to help at all. I had almost perfect credit score and since then has dropped dramaticly.
Product: Credit card or prepaid card

I have been dealing with Capital One for over a decade. For the most part, the experience has been " par ''. I had used Capital One products as I was supposed to, and other than my XXXX bankruptcy, I was a pretty good customer. Anymore, when I attempt to apply for a Capital One product, I keep getting this message saying " based on the information provided, we have observed activity on a previous Capital One account that doesn't meet our expectations '', and my credit never gets pulled. I do not understand why. I have not done anything wrong. I believe that I am worthy of a fair chance to apply, yet their system has blocked me without any reason or letter prior to this " block ''. It is disheartening.
Product: Debt collection

I previously submitted a complaint against XXXX XXXX XXXX XXXX in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XX/XX/XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through 1st Financial Bank in which the last date of payment was XX/XX/XXXX. I also received a demand for payment the same month. I responded by certified mail XX/XX/XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XX/XX/XXXX, which was a copy of a statement from the credit card company 1st Financial Bank. In XX/XX/XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XX/XX/XXXX they sent me copies of paperwork requesting information from me and discovery. At this point I submitted a complaint against the law firm and 1st Financial Bank with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XX/XX/XXXX that they have filed against me with the court.
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone
Product: Checking or savings account

I made a {$900.00} XXXX payment at chase bank and they duplicated it. My account was overdrafted. Customer service was unable to return my money or offer any timeline by which my money would be returned.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account on My Credit Report Due to Equifax Data Breach Dear Equifax, I am writing to formally dispute the presence of a fraudulent account currently reported on my credit report. This account was not opened by me and is the result of identity theft following the well-documented data breach at Equifax. 

The details of the fraudulent account are as follows : Creditor Name : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 
Identity Theft : This account was opened fraudulently using my personal information obtained through the Equifax data breach. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ever since XXXX  and the ending of XXXX  before establishing my self owned business and investments I also filed my taxes and was overwhelmed by credit report. Stolen passport, medical fraud, mail fraud, social meetings to belittle my character and invasion of privacy. Bank fraud, wire transfer fraud and want the phony people put away
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of application of a mortgage loan. I already have an existing home and current on the mortgage and all other credits account which I have created over time. I monitor my credit profile carefully and often, reported credit rating from all reporting agency is greater than XXXX. 

In XXXX I received a letter form XXXX XXXX mortgage stating that I would receive a higher rate of pay for mortgage insurance because of the reported credit score reported by XXXX XXXX. I have notified this company that the scores were inaccurate of which they state that the score is reported from Experian. These are not the scores that are reported. Now an additional company is reporting erroneous information, Enact as well. I have gone to the Experian site to report the error without any correction to the score. So, now I will be paying a higher rate as a consequence of these inaccuracies. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been Battling XXXX for the past 10 years and I have recently discovered that my medical care giver has been using my personal information to take out XXXX credit cards in my name fraudulently without my consent XXXX XXXX XXXX  XXXX XXXX account number XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX  XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX nonpublic consumer information to XXXX, Equifax, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Credit card

Wayfare 's bank is Citibank a hostile bank that called one in two month ago wanting to set up an auto debit. The letter stated that Citi bank was not able to get the money we agreed on so I called the number on the communique the person ask me to repeat the statement. 
We resolve the issue so I hung the phone.
Product: Credit reporting

I WAS CHARGED XXXX IN 3 MINUTES ON XXXX/XXXX/2016 AND NEVER RECEIVED THE XXXX CREDIT REPORTS BY TRUE CREDIT/ TRANSUNION . ATTACHED YOU WILL FIND A SCREENSHOT OF THE {$29.00} THAT WAS DEDUCTED FROM MY ACCOUNT. THIS COMPANY HAS ILLEGALLY TAKEN MONEY FROM ME AND DID NOT PRODUCE THE PRODUCT THAT WAS SUPPOSED TO BE FURNISHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank is using an autopay system which does not conform to industry standards, and does not indicate its shortcoming. Using their website or app 's autopayment option, selecting monthly recurring payments, and then selecting " Current Balance '' should typically pay whatever your balance is each month. For Fifth Third, it continues to pay whatever your balance was on the date you set up the autopay, without adjusting for new balances each month. This leaves clients thinking their payments are being made, when in fact they will not be if your balance goes up at all. This is at best simply not meeting the industry standard, and at worst is predatory behavior, as Fifth Third does not notify you of delinquent payments/accounts. I have found multiple Fifth Third users online complaining of the same issue. 

I received no email, letter, or call to tell me that I was delinquent on payments, despite an agent telling me on XX/XX/2020 that I should have been called every single day that I was delinquent. On XX/XX/2020, I was also put through to a supervisors voicemail with the understanding that I would receive a call back within 3 days regarding my issue, but never heard back. On an earlier call on XX/XX/2020, an agent spoke with his supervisor and told me they would remove the late reports from my credit reports, but then did not follow through. After the XX/XX/2020 call, the bank did, however, refund the late fees, which is not what I had requested. My credit score has dropped over 100 points, despite good faith efforts to make all of my payments on time. 

Because Fifth Third 's system is working as intended, they will not remove the delinquent records from my credit reports. The issue, however, is that the system itself is flawed, misleading, and predatory. I would like these delinquency reports to be removed from my credit reports to all major credit reporting agencies.
Product: Credit card or prepaid card

Card was locked on XX/XX/XXXX. I sent in identity i formation and it was received on the XXXX. I was rold 5 business days to unlock my account. Called back and was told 10 business days. Called back on the tenth and they told be 15 days. Card still not unlocked. Im receiving payments and can't pay my bills.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit card or prepaid card

The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$41000.00} on XX/XX/2023 now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a XXXX XXXX, Because if there's no one there at the hearing they automatically win XXXX so therefore I fear for my life, and after they XXXX XXXX XXXX they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect credits from the United States at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith. They also don't have any firsthand knowledge they are just trying to XXXX XXXX XXXX So I really do fear for my lies for they have tried multiple* attempts.
Product: Credit reporting or other personal consumer reports

There are XXXX collection accounts on all of my credit reports from XXXX XXXX XXXX. The original creditor is comenity bank. My last payment to comenity bank was back in XX/XX/XXXX. XX/XX/XXXX would be the first missed payment. XXXX XXXX purchased the accounts in XX/XX/XXXX. Wouldnt the date of first delinquency be XX/XX/XXXX? XXXX XXXX is saying that the date of first delinquency is when they purchased the account in XX/XX/XXXX. XXXX months from the first missed payment is the date of first delinquency? These accounts should be deleted from my credit reports because they are XXXX years old. However I was told they will remain on report until XXXX.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. Even though these not accounts obtained by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times regarding inquiries that I didnt initiate. I would like for these inquiries to be removed and I would like proof of the inquiries listed below. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.
Product: Credit reporting or other personal consumer reports

Their was a credit card account opened on XX/XX/2024. From XXXXfortiva in the amount of {$4000.00} with XXXX already used. Soon as I seen it I disputed the account I will call the company first thing in the morning as their close at the time of writing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt being reported on my credit report and instructed TransUnion that I am not familiar with the debt, the company reporting the debt ( XXXX XXXX. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either TransUnion, XXXX XXXX. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of TransUnion to maintain only 100 % accurate information within my Credit Reporting File.
Product: Credit reporting or other personal consumer reports

I sent off dispute letters to XXXX, Equifax XXXX XXXX asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below 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  Open date : XX/XX/XXXX Dear, Transunion, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

CHIMES- DATA BREECHED SINCE XXXX UNAUTHORIZED ACCOUNTS OPENED IN NAME
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

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 card

I requested a balance transfer to my ally bank cc to pay off my XXXXXXXX XXXX XXXX loan and Im not getting an update on any information and the balance has been on my card and credit for a month. Ive called more than 5 times and have not been given any information on the status of balance transfer.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my credit report regularly, and this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changedthe inaccurate accounts remained. I'm begging for a thorough review of the documents Ive provided so I can finally stop worrying about this nightmare.