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

In XXXX, I sent an investigation request to Experian, asking them to correct errors on my credit report. More than 30 days past, and we did not receive a response. On XXXX XXXX, we filed a grievance with your office regarding the delay from Experian. Experian responded to my complaint, and said they would send a copy of the credit update to us. More than a month has past, and we have still not received the credit update.
Product: Debt collection

Debt keeps coming back as verified after disputing multiple times. Spoke to a rep and all they said was I can file a complaint. Not explaining where they are getting this " verified '' information from
Product: Credit card or prepaid card

On Friday, XX/XX/20, I contacted Bank of America to find out about their balance transfer terms due to the website making it sound like their was an offer available but verification was needed on my account. I called and got transferred to the bt department, or so I was told, the woman asked me if I owned my home, which was an odd question. She said in order to do the BT they needed to update my account. I provided the answer and she needed to transfer me now to the credit department. The next representative ( 3rd person ) said they needed my annual income to get me the terms. They said it was going to be a soft hit on my bureau and no impact to my credit score. I was then placed on hold. 

I have a car loan through Bank of America and 2 credit cards. One with an open line of {$14000.00} and one with over {$5000.00} available. 

When he came back in the phone, the gentleman said not only was he unable to give me the terms on the bt, but he was a closing my account and reducing my other line to {$500.00}. I never asked for this and it will now negatively impact my credit score and something needs to be made right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Cap one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXX XXXX XXXXXXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX Payment Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with FedLoan Servicing that were opened when I started classes online. I was told by the school that FedLoan would contact me when I needed to begin making payments towards my student loans. I was never contacted by FedLoan when my payments began, therefore they were late. I noticed after checking my credit score in XXXX of XXXX that it showed I was 90-120 days late on my payments for both accounts for FedLoan Servicing. I contacted the company and told them that I was never notified of when the payments began. They asked me to confirm my information they had on file, and when I did they realized they mistyped my email address to which all the information was going to. They had set my payment notices to be sent to my email instead of my mailing address automatically. So in conclusion, I was not notified the payments had to be made because FedLoan made a mistake with my email. The person I spoke with on the phone admitted to this mistake and sent me a credit dispute form and set up my payments to begin again on XX/XX/XXXX of XXXX. After completing the dispute form, the company corrected the months of XXXX, XXXX, and XXXX, but refuse to this day to correct the month of XXXX, the month in which this whole problem was found and reported. I was told I didn't have to start paying until XXXX so I didn't see a need to pay for XXXX, as I was told all the payments that I missed would be added back to my balance. I was in the middle of building my credit score, to buy a house for my family, that started at XXXX and at the time was XXXX, when this hit my credit and knocked it down XXXX points. I explained to them the urgency in which I needed it to be fixed and why, and even after admitting they were at fault for having my information wrong, they still won't fix it and this one problem is still keeping me from buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts on my credit report I do not recognize
Product: Credit reporting or other personal consumer reports

Unfroze my credit report with Experian. I have given it a few days and it is still frozen. I tried to freeze it and in unfreeze it. Still says its frozen. When trying to call a variety of different phone numbers it asked for information and if there is the slightest amount of noise it just says sorry says unable. The one time I was able to advance the phone tree it gave me a link for the website contact information. On the website it says the contact phone number that I just tried. Using XXXX and my mortgage lender we have tried different numbers. When calling I ask talk to someone about my credit freeze being frozen when I unfroze it the phone system responds with sorry and then hangs up on me. Ive spent multiple house over this over multiple days. I am about to lose my closing date on my new home and also burden our title company, realtors, and mortgage lenders.
Product: Credit reporting

I recently paid down XXXX of my credit cards to reduce my utilization. Transunion has not updated any of the accounts. I checked with the creditors who are advising that they send the information over to all of the bureaus. Transunion has also allowed a collection company GC services to update a collection account XXXX times within two weeks. The update now includes an incorrect amount. These are strategy 's by Transunion to keep my score low. I also disputed a tax collection account in the amount of {$80.00} the investigation was due to be completed XXXX XXXX 2017. When i logged in the check the status of the investigation I discovered that the dipute was no longer active. I had to start a new dispute on the item. The item has been paid and was the mortgage companys responsibility. The actions of Transunion has caused me financial harm.
Product: Money transfer, virtual currency, or money service

I am a small business owner, I own a   XXXX   XXXX   XXXX   and I started selling  XXXX   XXXX  on  XXXX  for extra income on the side. My   XXXX   purchases are linked up with  PayPal where customers would pay using PayPal and once PayPal confirms the money I will ship out the item and once the tracking number is provided and is delivered PayPal will release the m oney.     At first everything was fine but once I started to have more orders they started to hold the funds, initial hold was 21 days I was n't too happy about that because I offer custom make  XXXX  gold jewelry and with gold the market fluctuates every day and I need cash flow to run the business. If the customer has received the merchandise my funds should be released. Then I get a call and email saying they will no longer be able to release the funds in 21 day now is 90 days and few days later I get another call and email saying they will hold 10 % of all the money for 180 days. Every deal I make my profit is only 10 %  Currentl  y PayPal is  withholding {$28000.00} Please help with this situation. You can reach me at my mobile  XXXX  or business  XXXX    XXXX   XXXX    XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I have so many inquiries I didnt autorise. And I didnt give any permission to put my information public
Product: Credit reporting or other personal consumer reports

The information attached is being improperly reported and to my knowledge I have no such dealings with these companies
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 680XXXX effective immediately and indefinitely. 

TD BANK USA/TARGETCRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account sent to collections when i already had a payment plan in place paid off in full still was placed on my credit report as delinquent
Product: Debt collection

There is a claim listed on my credit report that I do n't recognize. I have never received any communication regarding this claim. I can not get through to the credit collection agency listed. I 'd like to know what it is and will pay it if its legitimate or I 'd like it removed from my credit.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGENCY Equifax received my certified mail letter dated XX/XX/2024 on XX/XX/2024 requesting their specific method of verification for 5 items on my credit profile including : XXXX  of XXXX, XXXX XXXX Bank , XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX . It has now been 24 days since receiving my request and THEY HAVE FAILED TO provide me with a response as required per FCRA 15 USC 1681 ( a ) ( 7 ) which states that if a consumer request the " description of the procedure used to determine the accuracy and completeness of the information, ( i.e. the method of verification ), the credit reporting agency must respond to the consumer in within 15 days of receiving the request. XXXX HAS FAILED TO ABIDE BY THIS LAW. Please remove all 5 above listed items from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has almost 2 years since I asked experian to unblock my credit report, I called them, mail them and emailed them Asking to remove the block/freeze. They always say theres no block or freeze but my account shows otherwise. This situation has prevented me from open new ways of credit and hurt me a lot financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a business credit card account on my personal credit report with balance of {$19000.00} and I have no knowledge of this account. I discovered it on XXXX XXXX have a fraud alert on my credit report so I don't understand how they approved this credit card. When I tried contacting them they stated that it's under a company name so I don't understand how it's appear on my personal credit report. It never showed up on my XXXX or XXXX only shows on my Experian credit report. I tried to dispute it twice and the result came back as accurate. How it's accurate and I have a fraud alert on my credit that no one can open any account under my name without asking me security questions. Please help me remove this negative account from my Experian credit report. 
Report # XXXX regarding Account name XXXX XXXX XXXX Account Number is XXXX thank you I really appreciate it all your help!
Product: Checking or savings account

PNC Bank Processed a check for {$1000.00} at XXXX which caused an overdraft 0f XXXX. I setup electronic notification of any low balances and made a Cash Deposit of {$700.00} in the morning of the notification. This would have more than remedied this issue. I then noticed in the late afternoon of the returned check. I contacted PNC Customer service and confirmed this check was actually going to be returned. I asked for a Supervisor and talked to XXXX of PNC Customer Service who states she could not correct this issue. I find is unbelievable that if I setup these notifications and once I receive notification, I am not able to do anything to remedy the issue.
Product: Prepaid card

I started my own tea company during the summer of 2020 and the account was hacked and I was locked out. I attempted to contact Cashapp to get access but because they just acknowledged it was hacked they just locked the account but provided no recourse to me getting the money out. Before being hacked it had a balance of XXXX and they never got me my money back.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}
Product: Debt collection

I had a medical bill go to a debt collector,, after telling hospital, and telling them that the VA WILL PAY THEM..as you know it takes sometime for them to pay..well the VA FINALLY paid it..npw the collection is still trying to collect..i told them a month ago they paid the hospital ... and they are still harassing me and messing with my Credit Reports..
Product: Credit reporting or other personal consumer reports

I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to get a letter from XXXX stating that they reversed 2 small late fees on an old credit card of mine ending XXXX as it is having a negative impact on my credit score and I am trying to get a mortgage. I had called to close the account and apparently in remained opened. There was a balance of {$340.00} on my account which I paid on XX/XX/year> as soon as I realized it hadn't been closed. While the card is currently closed with a XXXX balance, this is not sufficient information for Equifax to remove the 2 strikes against my report. I have been trying to get a letter from XXXX stating that they reversed the two fees, but they only send me a standard letter showing the card is closed with a XXXX balance. The issue on my report is only about those 2 late fees that XXXX didn't even make me pay because of the misunderstanding as we had previously requested to cancel the card. 

Is there anything you can do to escalate this quickly? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

PNC has been reported for attempting to open a credit card without permission. In early 2021, the company responded to the CFPB complaint assigning XXXX XXXX XXXX to the complaint. She responded with emails and calls till XX/XX/2021 and then suddenly I have not been able To get any response from her or managers. 

The issues were : Opening a credit card, application to the 2nd draw of PPP loans after receiving the 1st draw and timely mortgage payments made during Covid which were not being tracked by the bank :
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to neglect this matter, poorly investigating disputed accounts thats clearly fraudulent. I have continue to submit valid information to proof my identity, such as police report of this fraud. I have spoking to XXXX which have stated I have some form of mixed credit with accounts and thats not mine. which I have verified my residence and documents to clear this fraud. XXXX has block my request to update my information which I have also identified myself, submitted documentation for them to verify these fraudulent accounts that they have stated was throughly investigated thats wasnt throughly investigated by neglecting my valid information and allow creditors to excuse me of these fraudulent accounts. I have sustained damage to my credit do to the credit bureau lack of trust they have continue to allow creditors to update closed fraudulent accounts and fraudulent accounts & charges like : Names : XXXX XXXXXXXX XXXX  - fraudulent account and charges XXXX $ and XXXX $ refused to verify information to me has pass 30 day time period numerous times which is violation to verify this alleged debt, which all XXXX credit bureaus have received documentation to proof this is fraud XXXX XXXX - fraudulent account reporting XXXX XXXX XXXX XXXX ( 7year account pass statue of limitation to report ) is paid and in full as agreed to terms, by third party name XXXX XXXX that has collected debt on there behave that debt is satisfied. 
Either to be changed to pay and full or to be deleted by original creditor. Immediately documentation has been sent once again. 

XXXX XXXX - date XXXX XXXX XXXX pass statute of limitations 7 years, / bankruptcy account that shouldnt be report or seen on credit report that have to be removed immediately. 



XXXX XXXX XXXX   - fraudulent account and charges of {$1000.00} havent submitted no request in writing to me to sell or put a fraudulent account in collection from a third party lender by the name of XXXX XXXX XXXX XXXX XXXX -is falsifying their identity to collect a debt for XXXXXXXX XXXX XXXX  that is a fraudulent account which they are stating the account is owe {$1400.00} they are legally report wrong information on a reported fraudulent account. And is violation of 15 US Code 1692 ( f ) XXXX is report wrong information. Such as my verified address phone numbers which I have submit documentation of that as well to them that was never updated or throughly investigated when fraud occurred XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b ) Transunion is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ). 15 US code 1681E ( 1 ) & ( b ) XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b )
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

I filed a report with cfpb on XX/XX/XXXX # XXXX. I called XXXX 's again this morning in hope that they would repair my credit reports.. I was told that XXXX 's determined the accounts are mine and are going to try to collect from me again. 

I did find out that XXXX 's is sending the credit cards to a home I owned and sold a few years back. I am guessing here but I believe someone has reactivated an account I may have had XXXX years ago. I just don't know how this person has my old address and now has my social security number and name. 

I own a condo in XXXX Oregon and moved here in XXXX. We had a home in XXXX since XXXX  and moved here in XXXX. I kept my Ca phone number because of family in Ca. I purchased the condo in XXXX in XXXX. I haven't lived in Ca since XXXX. 

Someone is getting credit cards in my name and committing identity theft and fraud. Please contact XXXX XXXX and have them restore my credit. Thank you