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

I ws a victim of trafficking and my accounts ( closed, delenquent and collection status ) were overtaken by coercement from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXX traffick victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But Equifax and XXXX  will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove XXXX.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to the XXXX XXXX XXXX, Factor Trust, but they have refused my letters and sent them back to me without opening the letters and investigating my requests. 
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of XXXX XXXX XXXX. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to XXXX years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to XXXX XXXX XXXX ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 

Incorrect Accounts need to be deleted XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX Account ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both Equifax and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while Equifax is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while Equifax is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX XXXX XXXX credit account. 

XXXX XXXX XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 45 points. 
I worked with XXXX XXXX XXXX to resolve the issue and have then correct it at their end ( I have a letter from XXXX XXXX XXXX which confirms the correction ) .However the department within XXXX   XXXX XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. 

I also worked with experian to rectify this error by providing them supporting documentation from the bank but experian needed additional confirmation from XXXX XXXX XXXX to remove deliquency and XXXX  XXXX XXXX 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- experian and XXXX XXXXXXXX XXXX credit reporting department . XXXX  XXXX XXXX, on each call confirms that from their end the account is current and has never been late however XXXX  XXXX XXXX XXXX credit reporting department which interacts drectly with the credit bureaus has been providing experian information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which XXXX  XXXX XXXX uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request experian to remove 30 day deliquency attached to my XXXX  XXXX XXXX credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks
Product: Credit reporting or other personal consumer reports

Hello I found XXXX unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and XXXX data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Product: Credit reporting or other personal consumer reports

Have a closed account from XXXX on my credit report ; filed NUMEROUS complaints through Experian and the information constantly came back ALTERED FROM THE ORIGINAL CLAIM- stating the account information had been " updated '' = trying to tie the debt listed to match my PERSONAL INFORMATION to make me liable for the reported entry. Experian kept allowing for the information to be updated on several occasions and NOT removed from my credit report. Experian allowed XXXX to change/alter several points on information on their claim to try to reflect that the debt was mine. 
I am holding Experian responsible and liable for NOT conducting proper investigations on the SEVERAL DISPUTES entered through them with no resolve. Even entered a dispute here which is in the records since Experian did NOT do their due diligence and investigate the numerous disputes completely and sufficiently and allowed the vendor to " alter '' the information without merit.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX  XXXX XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-fraud
Product: Credit card

I financed with Synchrony Bank for a home improvement project back in XXXX. The total amount was {$11000.00}. It had a 0 % interest promotion period. The bank has been deducting payments from me every month, but they did not make any specific effort to notify me that the promotion period was about to expire. I had a balance of {$4600.00} on XX/XX/XXXX, which apparently was the expiration date for the promotion period. On that day, they immediately charged me {$5400.00} of interest, increasing my balance to almost {$10000.00} now. I didnt catch this until XX/XX/XXXX. I immediately called them and offered to pay off the balance prior to the new interest. The bank refused to waive the interest and hang up on me. Throughout the entire life of the loan, the only communication I received from the bank was routine bare-minimal monthly email alerts. There is no specific reminder about an imminent interest charge that would more than double my loan balance. This feels very predatory to me. How could the penalty for being one month late to pay off a loan be greater than the loan balance itself? Please help me.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX : $ Account Number : XXXX Party Owed : XXXX XXXX XXXX : $ Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : $ Account Number : XXXX XXXX Owed : XXXX XXXX XXXX XXXX : $ Account Number : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDGELENT AND I REQUESTING THAT IT BE REMOVED FROM MY CREDIT FILE XXXX IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item ( XXXX ) to be Deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Product: Debt collection

On XX/XX/2018, I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX requesting validation of debt, of which none of the aforementioned companies have complied with my request.
Product: Debt collection

I noticed a few items on my credit report that were not mine I filed my police report and sent in my dispute letters on XXXX XXXX as the police department told me to when my report was approved and transunion removed the account on XXXX XXXX and then on XX/XX/2024 the account was added back on. I tried to contact the company XXXX XXXX XXXX myself telling them that this account on my credit report is identity theft and fraud because it was not me and gave them my police report number and they mailed me a latter stating they couldnt confirm my claim of identity theft even after I gave them my police report number. I feel hopeless and dont know what else to do. This item on my credit report is hindering my identity, my life, and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX bank to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.
Product: Consumer Loan

I received an XXXX loan from prosper marketplaces. I paid it off in the month of XXXX 2016. In XXXX of 2016 I receive a late payment notice on my credit report. I immediately contacted Prosper and spoke to an XXXX with customer service. XXXX stated that my loan had been paid off and closed but my account was never closed. I was never told an account was opened and never asked for one. XXXX said the account does not generate fees but my credit report shows that the account requires a {$35.00} monthly fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against XXXX XXXX XXXX and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a 2021 XXXX XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. XXXX continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted XXXX and informed them that I always make my payment on time and they need to rectify their records and report accurate information. XXXX claims that they never received a payment. I have made my payment as I said always. XXXX claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact XXXX before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.
Product: Debt collection

Affirm is alleging I owe a debt that I have no knowledge of. I have previously requested that they provide me with proof that there is an agreement between them and I that states I have an obligation to repay this allege debt. Until then they should cease from reporting this account to the consumer agencies.
Product: Debt collection

I have disputed this debt with   XXXX   XXXX   XXXX   and debt was dismissed as they were unable to validate account belonged to me as I have been victim of identity theft. It seems as if  Franklin  has obtained the debt, despite it being previously dismissed and account was closed. I have not received any notification fro m Franklin  nor validation of debt.
Product: Credit reporting or other personal consumer reports

XXXX is reporting 2 late payments one in XXXX the other in XXXX. I reached out several times for this matter to be corrected and also asked for proof of the two cycle delinquency and havent received nothing. Payments where made within the timely manner and didnt exceed the reporting mark.
Product: Credit reporting or other personal consumer reports

Equifax keeps freezing my credit and I have tried to call them several times and they never answer. It needs to be unblocked asap I'm trying to move. I'm tired of them blocking my report.
Product: Debt collection

I withdrew from school- XXXX XXXX on XXXX/XXXX/14 because of numerous issues. I asked for a final bill and was told it would take 30 days to review my account. I waited the 30 days and was presented with a final bill of which I paid in full. I received an acknowledgment letter dated XXXX XXXX 2014 ; indicating that after their review and all financial aid returned that I had a XXXX balance. I have that letter in my possession. On XXXX XXXX XXXX- contacted me and said that they applied grants to my current schooling after I had already withdrew .... some 8 days later on XXXX/XXXX/14 they applied grants to my tuition despite me being withdrawn from the school. None the less per their letter to me they had reviewed my account per their policy and presented me with a final bill. 
I have spent the last two years telling them I do not owe the money that this was their mistake and that I followed all their procedures and did everything they asked me to do. Why if they reviewed my account and found that I owed no monies did they come back say I now owe them money. They have sent me to two collections agencies who after reviewing my documents concluded they can not collect the monies. Yet AIU-online then sends me to another collection agency and I find myself repeating the process to stop the collection process for monies I do not owe. This has become harassment and the XXXX refuses to acknowledge that this is their mistake and one I will not pay for. Also they keep changing the reasons why they claim I owe this money. Please help me with this ... .. this has gone to far and I am at a loss on what to do.
Product: Checking or savings account

My Chase Checking account was " restricted '' with little to no explanation provided by Chase as to why. I was told that I will not have access to my funds pending an account closure review. After visiting the local Chase branch on 2 separate occasions, nothing was accomplished regarding my account. I was told the account would be closed and there will be no appeal process. 

I have now been told I will be mailed a check with my full account balance as it stands. It has now been 10 days and I have not received a check and I am still unable to access my funds. Chase will not answer me at this point and I need my funds as soon as possible. This is ridiculous and I need a response from Chase. 

I will be satisifed if my account is closed and the check mailed in full without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, Florida. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$4100.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$7400.00} Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Checking or savings account

Overdrafts caused by unreleased funds. No accurate tracking and fees on fees. This hasnt happened in a while whered theyd add additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquires on my XXXX  report. Ive contacted XXXX  and they refuse to do anything about this. 18 total inquiries on my report that were not authorized