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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year> As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in violation by equifax XXXX and XXXX  by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy XXXX have never been late on payments for the account ( account name XXXX ) : ( Account Number XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

This was paid on XX/XX/2023, receipt is attached.
Product: Student loan

I have absolutely NEVER been late with Navient ; however, I had just in the past few weeks noticed my loans appearing late for the year 2012 on my credit reports! I called and STILL call Navient all the time, well before time for any deadlines and was NEVER NOTIFIED of any late status ( even though it would've been inaccurate ANYWAY ). I would ALWAYS call Navient well before deadlines to submit paperwork for deferments and forebearances after I graduated. I even called Sallie Mae all the time BEFORE they became Navient -- and even heard about them becoming Navient before many others did BECAUSE of it. THAT'S JUST HOW MUCH I CALL. Yet, when I called them in recent weeks, the robotic reps ( look up the calls ) kept repeating to me that I was late in 2012 and claiming that they were constantly calling me to no avail in 2012. LIES! Furthermore, please tell me why at any point when I was getting deferments and forebearances was I never granted a POSITIVE RETROGRADE? That's USUALLY what normal companies do when people are calling them repeatedly in the event that there's actually negative info reporting! I was NEVER told of negative info, was ALWAYS told " everything is fine '', " you're good '' EACH TIME I CALLED. None of the reps listened to me when I called recently. I have made it my business to stay on TOP of my business with them, yet they STILL did me wrong and has this FALSE, INVALID info reporting in my credit files, affecting my ability to move forward financially. According to consumer law, Navient is supposed to provide verifiable proof to me that I was late by providing bank statements showing late payments. XXXX even went as far to delete many of the negative accounts because Navient didn't even verify them! All of the accounts still reporting invalid, incorrect negative info for 2012 need to be UPDATED TO POSITIVE with the credit bureaus. Please expedite this dispute!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : This company has been reporting a collection account which i have sent multiple dispute letters, validation requests, original conracts between this company and myself, proof of alleged debt, cease and decist of all comunications.. the company has failed to provide any relevant documentation reguarding my requests, it contionues to report negative information damaging my credit score resulting in denials to credit applications. niether XXXX or any of the 3 major CRA 's are properly handling my disputes, they are continuing to violate my rights and damage the financial welbeing of my family and myself. i have brought my complaint to the CFPB more than once now, why is the CFPB not taking this more serious? I was under the impression that the CFPB would address this matter with urgency and stop these companies from doing further damage? XXXX XXXX XXXX, XXXX, Experian and XXXX have all been notified of my concerns and have neglected to correct the inaccuracies!
Product: Credit reporting or other personal consumer reports

I am unable to use the website it has said technical difficulties for 2 months now. Im unable to view any freezes, reports, information etc. Also unable to view my credit report using XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$550.00} ), Not Mine Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$120.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX Balance {$140.00} ), XXXX XXXX ( AccountNumber XXXX, Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX ( Mr. Cooper ) many many years ago and the mortgage was paid off many years ago. I had asked that they remove my information from their systems. Yet through negligence on the part of the company they have allowed my information including social security number to be illegally accessed. They have sent me a letter stating that they allowed intruders into their system and they have offered short-term credit reporting coverage. This is outrageous that they keep customer information on systems that the outside bad actors can get to even though it is well over 4 years since the mortgage was paid off and they were specifically requested to remove my information from their system and I never directly provided them any of my information. They bought my information from another company I had done business with.
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX obtained a credit report on me without my permission. I wrote them on XX/XX/2018 ( Certified Mail # XXXX ). I also called on XX/XX/2018 and again on XX/XX/2018. Both times the person representing XXXX XXXX admitted there was fraud involved in obtaining my credit report. Both times they promised to get the inquiry removed - but never did..
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over. 
I attached the ftc report and letter with my infomation.
Product: Debt collection

I was threatned by a employe calling my work place. Telling they are debt collector from one main finaciail. They call my work alot. Then they took it to court and charged more court fees. I then got my pay check garnished and couldnt pay my rent. Then i now im getting with draws from my bank.. XXXX XXXX another deb collector working threw one main finaicial. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I feel this company has treated me bad.
Product: Credit reporting or other personal consumer reports

Im reaching out because Experian is helping XXXX XXXX XXXX  XXXX put incorrect information on my credit report related to the account below. 
XXXXXXXX XXXX XXXX  XXXX account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as a gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my credit report isnt accurate! 

Accourding to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. keeping this inaccurate info on my credit report is a violation of the FAIR CREDIT REPORT ACT and your role as a credit report agency. 

Please delete this incorrect information from my report immediately. 

Thank you
Product: Checking or savings account

This is my second complaint, due to the response received having nothing to do with rhe actual complaint. I have since seen the rules and I have since learned if choices regarding overdraft protection. But it was way too little to late. Having had my account for less than two years with over {$4000.00} in fees taken by US bank is excessive and quite disturbing. I am on a fixed income, XXXX XXXX XXXX and now my credit is messed up because clearing if I am missing {$4000.00} over approximately 18 months, I cant pay my bills, let alone afor to eat. There were actually XXXX fee charges in less than a XXXX month period, from XXXX XXXX of this year. XXXX in the XXXX years since I opened the account. No one has ever given me any direction in any way shape or form. The FDIC states they should monitor excessive and chronic customer use. More than XXXX occasions of overdrawing in TWELVE months is a red flag for them to take meaningful action and provide alternatives. There was absolutely effort by anyone to contact me by phone, mail, email. Heck, I live about XXXX blocks from the bank and they could have come by. Our town is very small. 

Our local US Bank branch brags about wanting to assist their customers with managing finances and making it as easy as possible. They claim they will collaborate to underarms our situation and develop personalized strategies. They clearly have not collaborated nor taken the slightest interest toward any strategy. 

This has created a huge ripple effect tans devastated us. 

I dont need their policy reiterated. I need them to take some ownership on their failures. I dont lay all the blame on theim but banking is supposed to be their expertise. Not mine. I am a XXXX XXXX citizen on XXXX. And I can barely afford to pay the bills I need paid in order to breathe, thanks to them. 

I would think a refund of those fees, at least XXXX of which should have been prevented, if they had been monitoring and provided explanation of the overdraft protection and opting out ( which XXXX knew nothing of until it was waaayyyyy too late. And I contacted them. They made no effort whatsoever to do anything. Still havent. They just kept raking in the money and didnt say a word knowing full well it was excessive and deceptive and in violation of the FDIC specified guidelines/rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Point Financial took over the loan about a year ago. For nine months they did not report my payments to the credit reporting services, so my balance was not going down, even when I made my payments. I complained to XXXX and Home POint Financial started reporting me. Around XX/XX/XXXX they started sending me double statements. One statement would say all is OK and one would say I am late by a month or two. I have never been late and I have proof of payment for every month. My credit scores are between 800 and 850.  Contacting them was nearly impossible. The website does not work. I have attempted to enter it a dozen times, but either it is down or does not recognize me even when I change my password. I believe I was successful one time. Their phone system does not answer, either. Latest time I tried to call them was today, but their recording says they have a system error. I have mailed them letters with proof of payment twice, but gotten no response, or at least no response I can access. Now I got two notices that they have reported me as late on my payment to XXXX, XXXX/XXXX XXXX ( not sure based on what service that is ) and possible others. This company is causing too much worry and work for consumers and should be fixed/shut down. Thank you for your help in advance!
Product: Credit card

I have an XXXX XXXX XXXX for long time. I have ordered XXXX additional card to charge for the business expenses so that I can put all the business related expenses onto the card, in XX/XX/2016. I received additional card in mail but did n't activate it. So, I did not use the card at all. There is NO charges made on the additional card. But XXXX XXXX is reporting to Credit Bureaus as I have {$19000.00} balance on it, also as separate account. In my Credit report there are XXXX XXXX accounts listed now ( primary and ad additional card ) each with balance. Due to this error, my debt to credit ratio went up quite a bit that caused my FICO score to come down considerably ( about XXXX points ). I checked my credit report only few days back and realized that XXXX XXXX is reporting erroneous card balance amount. On Behalf of all XXXX XXXX Card holders, I request you, please look into this and take necessary steps to fix the issue. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting closed and charged-off accounts as having current balance. 

still reporting closed and charged off accounts as current late payments accumulating monthly. 


Experian and other credit bureaus continue to show a debt for accounts that have been closed and charged-off. They are also showing a debt balance that includes accounts that have been totally deleted. 
I have never applied for credit at XXXX XXXX. They have run my credit fraudulently. Please show contract with XXXX XXXX and Credit Agreement. 

XXXX XXXX and XXXX are selling closed accounts, selling my personal information to XXXX and XXXX XXXX. XXXX XXXX and XXXX have not provided my with the 1099c when as requested. They have not provided me with a contract validating the debt. And after reporting this to all parties, they continue to violate my rights, working like a money cartel.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question 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 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 I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit card or prepaid card

I was never 90 days late in this account but the Credit Bureaus were reporting it as late. I have sent my concern to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. However, up to this date, I have not received any feedback from them. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my consumer report, I have identified violations of my consumer rights. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Late payments qualify as transactions, and utilization reflects an experience generated by credit usage. 

XXXX, Experian, XXXX has reported late payments on multiple accounts ( XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, and/or utilization, both of which are based on credit usage. Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances, and only with the consumer 's consent. I have not provided XXXX with written consent to report such information, including late payments or utilization details. 

Additionally, according to 15 U.S.C. 1681 602, the Congressional findings and statement of purpose emphasize the need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. The law also stresses that the accuracy of credit reporting is essential to the functioning of the banking system. Inaccurate reporting damages the efficiency of the banking system and undermines public confidence in credit reporting, which is vital for its continued operation. 

The reporting of these late payments and utilization is both inaccurate and a violation of my privacy. XXXX has infringed upon my consumer rights by allowing this erroneous information to appear on my consumer report.
Product: Credit card or prepaid card

i earn rewards on my wells fargo credit card but they decided to close my card and then they froze my rewards i then called in and an agent said that once i paid off my card and waited a few days i would get access to my rewards. 
some other agents told me i should just try to get the card reopened i tried and tried, but they did not help my wells fargo rewards account # is XXXX
Product: Checking or savings account

Point of Sale purchase for Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} from my XXXX XXXX XXXX  debit card that is tied to my checking account. Two Point of Sale purchases by Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} two separate times from my XXXX XXXX XXXX  debit card that is tied to my checking account. I have called to have my card immediately deactivated. These are fraudulent charges. I have never done business with this shady company. They need shut down. I have researched that they allow scammers to do this over the years for the exact amounts of XXXX dollars several times just as has happened here.
Product: Credit card or prepaid card

On XX/XX/XXXX my husband and I purchased flooring from Lumber Liquidators and paid to have them install it, using our XXXX XXXX XXXX. The installation was not completed because they were missing trim pieces. I was very unhappy with the installation ( unlevel, cuts where they should not be ) and I informed XXXX XXXX immediately. They contacted the flooring company, who was supposed to come to see the issues but did not call to do so. I had a contractor look at the issues and he ended up completely redoing the floor as it was unlevel, cut improperly and laid so badly it had to be redone. 
I filed a dispute with XXXX XXXX XXXX for reimbursement of the installation cost which I had to pay to have redone correctly. I submitted copies of the emails, pictures of the mistakes, which showed I had been in contact with XXXX XXXX immediately following the install. I had to submit this a 2nd time as Chase could not find the information after I first sent it and had not addressed this the first time. I received a letter from Chase with a copy of XXXX XXXX response, saying I had never reported the issue. I had sent Chase a detailed letter including emails that I had sent to Lumber Liquidators, which the manager had replied to, which clearly showed I did report the issue. Chase found in favor of XXXX XXXX even though I proved they were lying. I filed another dispute and asked to speak to the reviewer, but was never allowed to. I submitted multiple requests by letter and telephone call to Chase requesting I speak to someone in person, but was never contacted despite being told I would be. At this point, Chase said too much time has now passed to reverse this.
Product: Credit card

No response, Skrill is a ghost company, hold your money and dont respond to email and phone call