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

XXXX XXXX XXXX  has Reported late Payments to my consumer report which was done against my consent and Not accurate information Which are Both required by Federal Laws. The Negative late Payments has caused an adverse action on my consumer report resulting in a XXXX point decrease in credit score as well as being denied recently for an auto loan. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the late payments removed and updated to my report as Paid as agreed. 


XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my Consumer rights.

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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/2024, to dispute several inaccuracies on my credit report related to a XXXX XXXX case, payment status, and remarks. The errors included incorrect last payment dates, account statuses, and misleading information that affected my credit score and financial standing. Despite my request for an investigation and correction of these inaccuracies, Experian has not updated my report, causing further denial of credit and financial harm.
Product: Checking or savings account

I made 2 purchases that should have been covered under buyer protection. I sent capital one proof where I the customer was fraudulent ripped off and both times capital one sided with the business without looking at my proof. 

Claim number 1- I purchased a table cloth for my wedding which should have been 120 inch. I received the table clothe it was 20 inches and barely covered a children 's table. I sent capital one the complaints on the seller and picture of the ad and product. The seller told the bank I was satisfied with the purchase which was a lie and capital one closed the claim in their favor. 

Claim 2- I went into a nail shop, and the nail tech was awful and had an attitude. I was there for 4 hours and finally told her to stop so I could leave. I did not sign the receipt. I called the nail shop with capital one on the phone and the nail tech herself said that she doesn't remember me signing the receipt and agreeing to pay.

When I called capital one I spoke to two people with extreme language barriers and got no where. This is now a billing dispute because I am moving all funds out of the bank. 

I need someone to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, XXXX, Experian they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO GET EXPERIAN TO REMOVE FIVE ITEMS IN MY CREDIT FILE WITH THEM WITH NO AVAIL, THEY LIED, SAID THAT WOULD INVESTIGATE, THAT WAS A LIE, I KNOW THAT THEY DID NOT INVESTIGATE, BECAUSE I HAVE TWO ACCOUNT WITH XXXX XXXX, ONE WAS JUST ISSUE TWO WEEKS AGO, THEY NEED TO REMOVE ALL ACCOUNTS THAT ARE ON THE BOTTOM REPORT # XXXX DATED XX/XX/20 THAT HAS BEEN UPLOADED TO CFPB.
Product: Bank account or service

My complaint is against XXXX/Mellon XXXX and involves both the the posting of information about balances on XXXX accounts ( by XXXX ) and Mellon 's assessment of overdraft fees. On XXXX XXXX, 2016, I wrote a check to XXXX, which reduced the balance in my account to XXXX. The balance as posted on the website was {$11.00}, and I wrote the check for this amount. The check was returned by Mellon on XX/XX/XXXX, and I was charged an overdraft because in the interim, I was charged a service fee. There was no posting of this fee on the website on XX/XX/XXXX ; nor was there a notice that this fee would be charged. The bank posted no dates on when service fees are charged. According to the bank, service fees are charged at the end of the month ; this was the beginning of the month, so I assumed my balance reflected the most recent service charge. I phoned in a complaint to XXXX ( XXXX ) ( # XXXX ), which forwarded it to Mellon. XXXX days later, on calling, I learned that Mellon had denied my request to cancel the overdraft fee and levied a second fee, while my complaint was being processed! I now owe Mellon bank {$44.00}. XXXX in overdraft fees. In short, XXXX. Mellon/ XXXX XXXX does not run a transparent website for check-writers. It 's impossible to ascertain when Mellon 's fees will be assessed ; XXXX. Mellon continues to assess overdraft fees while case numbers ( i.e., complaints ) are open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX Bank all send me a denial/rejection letter for application of credit that I did not applied for. In the past i have placed a Fraud alert and a Security Freeze on my XXXX, XXXX, and XXXX  credit bureaus and yet other have an open access and is using my identity fraudulent. : 1. XXXX Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX Bank XXXX XXXX   XXXX  XXXX XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

A XXXX XXXX  account was open fraudently in my name. I have never opened an account with them and this has affected my credit negatively. I dont know where the card was opened up at and where it was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian Credit bureau. I have XXXX accounts they are reporting late payments on months after the payment has been reported on time. I have sent them several dispute letters along with my bank statements that prove my payments were indeed made on time. They simply open the dispute and then the next day send me an email stating the dispute is closed and the late payments are verified. In my letters I asked them to please send me the proof they are legally required to have, showing what they did to investigate and also the proof I was late. They have not. These inaccurate late payments are severely impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a dispute to remove the XXXX XXXX account from my Experian credit report. This account does not belong to me. I requested verification from Experian that was used to determine this account belongs to me. I have not received any information from Experian and this inaccurate information remains on my credit report. I would like Experian to provide me with the verification that was used to determine this account belongs to me and then remove the account from my credit report. Please assist me in getting this information updated and removed from my Experian credit report as they refuse to conduct the proper investigation that has been requested.
Product: Debt collection

On XX/XX/ 2024 I received a notification from XXXX XXXX  as well as the three credit reporting agencies that I had new information on my credit report. After reviewing my credit reports I saw that a new collection had been added to my credit report which is not mine. I was never previously sent communication via mail from this collection agency regarding this debt. This debt just randomly showed up on my credit reports and lists a date of XX/XX/2024. It lists the company as XXXX XXXX XXXX. I have not had an account with them. I tried disputing this information on XX/XX/XXXX & XXXX, 2024 through all three credit reporting agencies and their findings showed that the collection agency said this was a valid collection. That is not true and this needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Collection reporting inaccurately Dear Transunion, After reviewing my credit report I noticed an inaccurate account on my credit report. I am requesting that Transunion investigate the following account to ensure accuracy. I am requesting the collection account to be deleted from my credit report once the investigation is complete. 

XXXXXXXX XXXX XXXXXXXX This account appears to be reporting inaccurately. 

Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

Made 2 payments one in XXXX and one in XXXX totaling XXXX on my credit card online. Neither payment was credited to the card. XX/XX/XXXX the bank emptied our savings attached to securing the credit card and closed the card. Its been hard enough with the pandemic because banks are closed. Plus we have been hacked 6 times in 6 months so accounts have changed. When they closed the credit card account I had nearly XXXX points on my rewards. Im now told if its a closed account your rewards cant be used. This is not my fault! I want my points. They have a security issue because our accounts have been hacked 8 times in 6 months. I dont know how or why my payments werent credited but I want my points!
Product: Debt collection

Was never contacted by XXXX of my collection. This collection is five years old i am trying in good faith to resolve this issue but i was never contacted. They are saying i owe then a rediculius amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/XXXX ) that you Close MY COMPLAINT # XXXX and XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$1400.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} ARS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} CANNON XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My association is not in a flood or hurricane zone. We currently have a XXXX XXXX XXXX  XXXX policy but it contains no wind. ( not required by association or state or federal govt. ) My loan servicer placed XXXX on my loan. I asked for proof of policy and they sent me a piece of paper with none of my information and no policy number or amount of policy or carrier. XXXX XXXX who is the owner of my policy only requires XXXX XXXX which we have. They are also insuring me for more than what my debt is. They also went back a year with out proper notice and added that XXXX also amounting to XXXX dollars. Attached below is what they sent as proof of policy. I did not redact this document. This is what they sent me.
Product: Mortgage

We have been trying to modify our loan after our hardship and have submitted documents to the america 's Servicing bank several time for several years and the bank never sent a resolution to our request. I was told by the services that our loan was in review the last time in 2011 but We never received a denial letter or a request for more documentation. Despite that, we have continue to contact the bank and sent modification packages with no response. We found out today that our house has been foreclosure back to America 's Servicing Co. And we do n't know how to proceed. With no place to take our family and not knowing what to expect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, Transuinon and XXXX  did not. I asked XXXX  and transunion how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020
Product: Vehicle loan or lease

M & T Bank has shown nothing but incompetence and disregard for their customers time and dignity. Flagging accounts for fraud without valid reasons, providing contradictory explanations, and treating concerned customers with condescension is beyond unacceptable. Their representatives clearly lack proper training, hiding behind nonsensical excuses like usernames and emails while refusing to offer real solutions. Instead of supporting customers, especially those who are elderly or need assistance, they make the process intentionally burdensome, insulting their intelligence and trust. This isnt just bad customer serviceits outright negligence and disrespect.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC is reporting blatant inaccurate, inconsistencies on my credit report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. I have never been late yet the payment history shows a late payment. This 1 late payment out of my entire history is holding my credit from its full potential and I have NEVER been late.
Product: Debt collection

On XXXX XXXX Speedy Cash XXXX added an account to collections on my credit report in which I am just now seeing on XXXX  as I'm normally only using XXXX XXXX which reflects only my XXXX  report. This is not reporting on my XXXX  nor XXXX  report. This only reflects on my XXXX  report. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, Speedy Cash XXXX has violated my rights as a consumer and I am requesting legal action to remove this debt from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to delete an remove all negative items listed in the files asap that are inaccurate on my credit report. this Is my 2nd attempt to delete an remove all negative items. this has caused major denials in the past for mislead data. please review an remove all listed items asap.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$40.00}, XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled service with Lexington Law XX/XX/XXXX. since then I was billed {$120.00} and {$40.00} on XX/XX/XXXX. I was told I was waiting on a refund on a card that was supposed to be cleared from the account. Ive called several times with no result.
Product: Mortgage

I have received a letter in the mail regarding updated hazard renewal for my homeowners insurance policy. Cross Country Mortgage HAS NOT PAID the remaining balance to the insurance company. I reviewed my documents and the homeowner 's insurance should have been paid from my escrow account. I called customer service on XX/XX/2022 and was put on a 3 way call with with the customer service representative from Cross Country and XXXX insurance. I was informed to pay the remaining balance and cross country will pay and I would receive a refund. I sent the cancellation notice with a receipt and I haven't received reimbursement. I called on XX/XX/2022 and talked with a rude customer service representative at Cross Country. She stated, " you have said escrow account 3 times and was shouting into the phone ''. I told her I can't talk to you shouting in the phone and I hung up. I have reported Cross Country to the Consumer Finance early this year for failing to pay my property taxes on time. This company is pathetic when it comes to paying property and insurance fees on time. Cross Country Mortgage is not reliable and does not seem to be concerned with customers mortgages or finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get multiple inquiries removed from my report that happen on the same day from numerous car credit companies that I did not approve and I haven't heard anything back from Experian.