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

NFORMATION & FAQS CREDIT REPORT Credit reports are key to helping you confidently protect and manage your identity. You can rest assured- reviewing your report does not negatively impact your standing or score. 
Financial institutions, employers and insurers use credit reports to gain insight into your financial profile. Because they provide a record of your present and past credit use, credit reports may determine whether or not you will be offered credit, and on what terms. Inaccurate or fraudulent account information on credit reports can result in denial of credit, higher loan and insurance rates and even rejection for employment. The Federal Trade Commission ( FTC ) has prepared A Summary of Your Rights Under the Fair Credit Reporting Act, you may also find additional information on their website www.FTC.gov/credit.

Understanding your credit score and the factors that impact it will prepare you to make the best possible decisions for your financial future. Want help reading your report? We've prepared a quick educational guide for you : How to Read, Use and Act on Your Credit Report. If you find inaccurate information on your report, you may contact one of our Credit Specialists to help dispute this information directly with the credit reporting agencies. 







XXXX UPGRADE YOUR PLAN XXXX  PURCHASE REPORT spliter Report History : XX/XX/XXXX - XXXX Print this page Download this report Three Bureau Credit Report Reference # XXXX Report Date : XX/XX/XXXX XXXX XXXX  : Credit Score / Summary / Account History / Inquiries / Creditor Contacts Personal Information Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
TransUnion XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Former : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX IA XXXX XX/XX/XXXX - Employers XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau was mailed Federal affidavit to verify all inaccurate accounts, addresses, and inquires reporting on my consumer credit file. Credit agency failed to provide legal validation of the alleged debts within lawful time frame. Credit agency is reporting invalidated information this action constitutes fraud under XXXX and XXXX Laws. Credit agency violated Fair Credit Reporting Act by reinserting previously without written notice within lawful time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX XXXX TEXAS XXXXXXXX XXXX DATE OF DISCHARGE WAS XX/XX/2017 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ EQUIFAX/ XXXX. 

THE TEXAS XXXXXXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND XXXX I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE XXXX MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXXXXXX OF XXXX XXXX THE XXXX  XXXX TRUSTEE.
Product: Checking or savings account

I am writing to file a complaint against JP Morgan Chase regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against JP Morgan Chase for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I have a XXXX XXXX XXXX and the servicer is FirstBank. I have been in Mortgage Moratorium since XX/XX/XXXX and the moratorium expired on XX/XX/XXXX. FirstBank does not want to provide me with alternatives. They want me to cover the amount of {$12000.00} in a single payment. I am enrolled in a Federal Treasury program run by the XXXX XXXX XXXX Department where I am eligible to cover those months in arrears and bring my mortgage up to date the program page is www.covidhipotecas.com but FirstBank does not want to extend the moratorium or give me additional time to complete my process with the housing department and be able to cover the months in arrears. They tell me that since 18 months have passed to this day they will begin the legal process against me to take away my house and damage my credit, I consider it unfair since the Covid-19 Pandemic has not been my fault but FirstBank and XXXX XXXX show indifference to my suffering and do not want to give me options, only to deprive me of my house and damage my credit, which seems very unfair to me. I need help to preserve my home and protect my credit.
Product: Debt collection

I am writing to formally dispute an account reported by MILLENNIUM FINANCIAL GRO that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date.

2. The purchase agreement between MILLENNIUM FINANCIAL GRO and the original creditor to establish their right to collect on this debt.

3. Proof that MILLENNIUM FINANCIAL GRO is licensed and bonded to collect debts in my state. 

I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, MILLENNIUM FINANCIAL GRO has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt.

MILLENNIUM FINANCIAL GRO has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case.

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION Transunion has responded to my complaint, complaint # XXXX stating that they have received my complaint, and are reviewing the complaint and will follow-up within 60 days, see attached. 

Federal Law does NOT give any consumer reporting agency 60 days to respond to a dispute. The only provision that Federal Law grants is a 15 day extension if and only if the consumer reporting agency receives information from the consumer during the 30 day period of the reinvestigation of a dispute.

The letter that they have initially sent me in response to my initial dispute in no way gave me any instructions or identified any information that is required to get the disputed information investigated, which makes Transunion in violation of 611 ( a ) ( 3 ) ( C ) of the Fair Credit Reporting Act.
Product: Credit card

I opened up a Macy 's Credit Card, and charged something. I paid the bill within the first cycle. But for some reason Macy 's has not credited my account correctly and the are harassing me with 'non-payment '. I faxed the proof that it was paid 4 times to the fax number they gave me.
Product: Credit reporting or other personal consumer reports

I having been calling Transunion for four months because I can not access my credit report or score. When I try to access my credit report or score from any online platform, it send back an error telling me to contact transunion. Each time that I have contacted transunion ( a total of 3 times ), I am told that I have multiple reports in the system and a report is being done and sent to a specialist department. Each time, I have not gotten any feedback and the problem continues. I am in the process of trying to buy a home and even the bank can not access my transunion credit report or score. This is holding me back and as a consumer I should have access to all of my reports and scores. I want this issue resolved immediately.
Product: Checking or savings account

XXXX bank transferred my money to Cathay Bank without my consent or acknowledgment. Since Saturday, XX/XX/2022, I have not had access to my funds. I have not had the ability to buy food or water of pay any of my bills on time. XXXX said they couldn't help and I had to contact Cathay Bank to resolve any issues. So XXXX just hands over my money to another bank I know nothing about along with my personal security information. Since Monday XX/XX/XXXX I have still not been able to gain access to my funds and Cathay Bank continues to put me on hold when I talk to them.. I have spent over 4 hours each day with Cathay Bank since then and they still have yet to give me access to my money. It is now considered stolen in my view. I hope you can investigate their malpractices and help me get my money back.
Product: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to TRANSUNION and TRANSUNION is publishing to my consumer file.The inaccurate information is in regards to late payments which ne ver occurred with said company. What is being reported is below. 
XXXX XXXX ( 30 days late ) XXXX - ( 30days late ) XXXX days ) XXXX ( XXXX late ) XXXX ( 60 daysl UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY XXXX XXXX FILE OR UPDATED TO POSITIVE PAYMENT HISTORY
Product: Vehicle loan or lease

I obtained a loan through skopos financial XX/XX/XXXXXXXX  .I began experiencing financial hardship due to being out of work because of my high risk XXXX and right after COVID which lead to falling behind in my car loan payments.I reported this hardship to SKOPOS Financial however they charged off/ wrote off my loan as bad debt XX/XX/XXXX, and Sold my vehicle in a private auction XX/XX/XXXX with out written notice. In XX/XX/XXXX my account was sold to XXXX XXXX I disputed the account with XXXX XXXX  and got it removed my credit report shortly after the debt was sold. XX/XX/XXXX SKOPOS financial bought back the debt and continued to report each month as charged off as well as reporting a balance, and monthly payment amount as if the account is still open. XX/XX/XXXX I called SKOPOS and spoke with XXXX from the customer advocacy department and requested for the false information to accurately updated to all 3 credit bureaus. I also spoke with XXXX in the kids mitigations department and requested a copy of the written notice of sale, deficiency letters, and bill of sale for my vehicle that was auctioned off. I was provided a false written notice of sale because it was never received and 2 different deficiency letters which initialed 2 different amount my vehicle was sold for and 2 different balances owed. XX/XX/XXXX the information still hadnt been updated so I disputed the account with all 3 credit bureaus and requested for the account to be deleted due to SKOPOS continuing to report inaccurate information. After the disputes were completed the credit bureaus verified the information as accurate and are continuing to report inaccurate information even though when I spoke to XXXX from SKOPOS she agreed that she would update the inaccurate information. This inaccurate reporting has traumatically affected my credit preventing me from being able to obtain any new lines of credit, car loans, open ended loans, and rental properties. This completely goes again and violates my FCRA rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX the primary cardholder XXXX XXXX add XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, Experian and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, as a result my FICO Score drop from XXXX to XXXX this is a pattern with XXXX XXXX XXXX XXXX on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact XXXX XXXX XXXX XXXX on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to 12 CFR 1026.12 Special credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While XXXX  shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near XXXX effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a XXXX. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS PLACED AN ACCOUNT UNDER MY NAME UNDER MY CREDIT REPORTS ( EXPERIAN. ) please i need your help to have this inaccuracy removed from my credit file.

i will be attaching the FTC report that shows i had been a victim of ID theft.

please have this fraud account removed from my credit file.

thank you
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute these accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX
Product: Student loan

We have been dealing with a company named Ameritech Financial which we believed were alined with our student loan lender and that the {$99.00} a monthly payment we were making was going toward our student loan debt. Recently Ameritech informed us we would have to begin making a payment of {$38.00} directly to our lender in addition to the {$99.00} payment we have been making to them since 2016. The impression we got was that they were part of our lending company so this new payment was confusing to us. We then received a letter from the United States of America Federal Trade Commission stating that they were suing Ameritech Financial and the steps we would need to take to file a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft! I sent in a police to Equifax and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items that are incorrect on my Equifax credit reports. I sent a dispute in on XXXX which I never got a response from. I sent a no response to Equifax on XXXX to which I still got no response.
Product: Credit reporting or other personal consumer reports

I rented from an apartment complex in XXXX of XXXX, called XXXX  at XXXX. I was told that I would be given a ten day notice because someone said that I had someone living in my apartment that wasnt on the lease. In XXXX of XXXX, I was given that noticed and I asked the Assistant property manager XXXX what I needed to pay as far as the remaining rent goes. She said, I dont know and I wouldnt pay if I were you. I left the apartment in the middle of XXXX. In XXXX I received a bill from IQ Data International that represents XXXX  at XXXX. The bill that they provided me with was incorrect because the rest should have been prorated because I left in the middle of the month and they also put XXXX on my account which I paid for separately. When I called the representative from IQ Data International, she was extremely rude when I asked her why the amount was off. She told me I have to pay it. Ive tried contacting on other occasions to see if I can get a settlement and they were not willing. The last time I called the lady assumed my tax return and said I should be able to pay her. Ive paid them in total {$200.00} and no where on my credit report has that been reflected. What happened to that money? They keep incurring interest on my account which is even more than the rent I paid them. I have disputed this company many times and no one is helping me. I even hired a company to assist and paid them almost {$400.00} which was a scam. I need assistance.