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

There are inquiries from companies with whom I do not have open accounts with on XX/XX/2021. I have contacted these companies and Transunion to remove these items but items have not been removed per my original request.
Product: Credit reporting

I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. 

See documents attached, Thanks much
Product: Debt collection

I have made numerous attempts to gain deletion of the account for {$5500.00} account either updated or deleted from my credit report, the date on the reported account is incorrect per the original contract, also, I am a Veteran and was told by XXXX I would not be charged for this account due to my Veteran Status! Please remove this account per the fcra you must report ACCURATE INFORMATION! I have attached the original contact for your reference to the date you are reporting vs the date on the contract!
Product: Credit reporting or other personal consumer reports

I was along term customer of XXXX XXXX. They provided us with internet service. When I called to cancel the service they told me what my final bill was and I paid it. Then 30 days latter another bill was sent. And I called they said I still owed more I paid it. Then around XXXXXXXX XXXX XXXX. They sent me a bill for there router. I called again. They said that bill was because I never returned the router. I was no aware or was never told they wanted it back. I would gladly sent it. So, I sent it back to them they confirmed they received it. Confirmed by customer service by phone. They then sent me a bill for the router they confirmed they received. And sent the bill to a collection agency. I spoke to thier agency and was assured this was not going to affect my credit. Because they got the box back. 

So, in short I paid them two bills when I was first told what my final balance was to get them out of hair. And they received their box. Its not my fault it took them time to confirm within their own system they received the box back. They are financially affecting me as a senior citizen. I willing to take any action against XXXX XXXX thats necessary. They are an awful company. And have ruined a lifetime of credit for a {$100.00} box.
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. 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 Balance : {$29000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 sections 604 A sections 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$630.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report. These violations have significantly impacted my credit and consumer rights, and I am seeking immediate resolution. Specifically : FCRA Section 616 - Civil Liability for Willful Noncompliance : The credit reporting agency accepted credit information about me without first verifying its accuracy. This failure to ensure accuracy is a clear violation of the FCRA and makes the agency liable for civil penalties of up to {$1000.00} per violation. 

FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosure Obligations : The agency failed to disclose my right to opt out of sharing my personal information, violating my consumer rights under the law. This omission is both deceptive and unlawful. 

FCRA Section 623 ( a ) ( 3 ) - Furnishing Inaccurate Information : Several inaccurate inquiries and accounts were reported to my credit file without proper validation. This constitutes deceptive reporting and is not in compliance with Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Practices Act Violations : Debt XXXX  inaccurately reported debts and accounts without my consent, causing unnecessary harassment and distress. This also included improper disclosures to third-party credit reporting agencies, violating regulations that prohibit such actions.

Late Payment Reporting Issues : The agency reported " late payments '' on my credit report without properly defining or verifying what constituted a late payment, which is both deceptive and inaccurate.

Improper Finance Charge Determination : The credit reporting agency failed to properly determine finance charges on my credit accounts, which is a violation of their responsibilities under the FCRA.

Unauthorized Hard Inquiries : Several hard inquiries were made on my credit report without my written consent, which violates the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ).

As a result, I have formally requested that the agency take immediate action to delete all inaccurate and unauthorized information, including my personal data and several debt-related accounts. I also demand the deletion of unauthorized hard inquiries that were made without my consent.

If these violations are not addressed within the time frame specified by the FCRA, I will have no choice but to pursue legal action, as I am entitled to under the law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional XXXX  days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked them to remove the wrong addresses & they failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the attached XXXX  XXXX Bankruptcy # XXXX, with TransUnion Credit Bureau, and in response they VERIFIED this account to be ACCURATE. They verified the information with the court. See EXIHIBIT ( A ). 

I contacted the US Bankruptcy Court, and their response is attached. See EXHIBIT ( B ). 

It is clear that courts DO NOT report to TransUnion or ANY credit reporting agencies for that matter ; therefore, TransUnion 's original response verifying this item with the court was either an error or a lie. 

I specifically requested their METHOD OF VERIFICATION, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ), TransUnion failed to provide that information. 

It is a FACT that bankruptcies are filed with the courts, and NOT with the credit bureaus. It is a FACT that credit bureaus purchase consumer information from third parties. See EXHIBIT ( C ) Courts are NOT the furnishers of information. TransUnion 's results would be considered FALSE REPORTING, which is a direct violation of the FCRA 611 ( 15 USC section 1681 ) and this information must be DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did XXXX hard checks on my credit i have no ideal who they are what this about name of the is DT CREDIT.IN THE STATE OF AZ
Product: Mortgage

I need help with the forbearance process and answer some questions. I have a loan serviced with Quicken. The recent FHFA announcement about not needing to pay a lump sum at the end of forbearance. I need to know if the refi option or ability to extend my loan term by the number of months forbearance will impact my credit and if we can agree to the terms prior to starting forbearance. My concern is if I cant make a credit card payments or if I'm late during the forbearance will impact my ability to qualify for the repayment option. I need help to understand my options and the website is very limited information and the options are not clearly defined. Tried to reach an agent multiple times with no response or agents are not available for both online and call center.
Product: Checking or savings account

XX/XX/XXXX. I received an email from JP MORGAN CHASE stating that I had insufficient funds in my savings account. I checked my account on the app and saw over {$6500.00} was stolen from my acct. I contacted Chase to make a complaint and went to a branch the next morning to file a claim and sign paper work. I waited 3 weeks for an update, did not receive one. I was also supposed to receive a credit for the money in question ( 2 reps told me this ) and I did not. I called Chase today and they denied my claim of fraud over {$1.00} that was not disputed ( missed by the banker at the branch I went to ). No one notified me and no communication was sent. I had to file another claim for {$1.00} and I now have to wait again for Chase to investigate. Customer service was poor and this issue was not treated with urgency. Out of the years I have banked with Chase I have never made payments out of my savings account. I was not notified of this fraud and Chase did not take the proper measures to protect my money I earned and worked hard for.
Product: Debt collection

This phone number is frequently calling me. States they are from Concorde Resolution and that I need to place a " statement of verification ''. I checked with my state 's department of finance and this company or number is not registered as a legitimate company. They have called me every day. I looked up their phone number and saw that it 's a scam and quite a few people reported to have the same occurrences.
Product: Mortgage

We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. 

Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. 

The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year> and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2023XX/XX/year>
Product: Money transfer, virtual currency, or money service

I made an online payment using PayPal to a company who turned out to be a scam. I made a case with PayPal who then resolved the case in my favor. Due to me also initiating a case with XXXX because of PayPals business hours PayPal debited my PayPal account {$88.00} quoting a double refund. 

When I found out that PayPal has resolved the case, I cancelled the charge back with XXXX. Therefore, XXXX reverted the secondary refund that PayPal was referencing. I reach out to PayPal and they tell me to reach out to XXXX. However, on XXXX  end it shows the refund that PayPal submitted and the reversal of the refund that XXXX had initially provided prior to the case being closed. 

Paypal debited my PayPal account and is quoting a secondary refund that was reversed. Making it to where I am still - {$88.00} on a case that they claim to have resolved to my favor.
Product: Payday loan, title loan, or personal loan

I agree to a loan based a check received by mail that once deposited you agree to terms and conditions. I was instructed to download mobile app and you could create account online Republic Finance.com to view your account details and make payments. The problem I have been addressing since XX/XX/XXXX when I made my first payment greater than the required XXXX XXXX  monthly. I have been paying more than this amount to payoff loan sooner. I can not understand why my account only displays payments only and nothing more. I have call over 3 times and again today XX/XX/XXXX about not being able to see how my money is being applied to interest and principal. I've been total conflicting information from technical problems, a supervisor going call you, mail information, supervisor call me back on and on. I have NEVER dealt with a loan servicing company who can not provide me with this simple request that does not display by way of Republic Finance website or Mobile app. The only thing showing is my payments and payment date and balance. The balance does not automatically update after making payment. I make extra and additional amounts over my monthly payment. I am paid ahead through XX/XX/XXXX. Today, site show a payment due of {$38.00} so I paid {$40.00}. My balance went from {$3000.00} to {$3000.00} after paying {$40.00}. Now it shows a payment due of {$190.00} due XX/XX/XXXX. (??? Why did the amount due increase ). Again I am requesting an amortization showing the original loan amount, payments applied to interest and balance thereafter. Why is Republic Finance reluctant to send me this information because it is now shown on the website or App. No more excuses about technical problems, will mail, supervisor will call. Lies since XXXX and it is year XXXX, I still do not have the information. I strongly feel something fraudulent is going on. I demand to see how my money is being applied. Please mail me this information that I was told over 3 to 4 times. Today Agent told me a supervisor will call me, really? You verified my address etc. and to date nothing. My account XXXX. XXXX XXXX XXXX commerce XXXX, XXXX XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$57.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. 60 points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!
Product: Checking or savings account

On XX/XX/21 I tried two atm transactions for come the sun didnt dispense my money. I filled a dispute with the atm to no avail after a year of back and forth. I finally filled a dispute with chime and they denied me the provisional credit while they investigate for 45 days which us very unfair and illegal.