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

My compaint is on Equifax. I have been trying to fix my credit report with this entitity for over seven years. The had a data breach in 2017, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at XXXX after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal
Product: Debt collection

Company has been calling me since mid XX/XX/2017 about this debt and EVERY SINGLE TIME I very my information ( which is not what they have on file ) and I am told my number would be removed. I even explained SEVERAL times not only am I not the person they are looking for but I have had to deal with them before in another collection effort and this time I will pursue legal action. XX/XX/XXXX I noticed the derogatory account from portfolio recovery on behalf of XXXX  XXXX on my report and when I tried to call because I have no knowledge of the account and I've told them previously this s not my account, the customer service agents was unable to speak with me unless I verified my information. I gave them my social and phone number as I don't have an account # becuase one is not listed on my credit report. Agent was unable to speak with me as the information didnt match. It doesn't match because this is not my account. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. This is not my account.
Product: Credit reporting

I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/XXXX, XX/XX/XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date of status for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
Product: Bank account or service

I opened a CitiGold Checking Account in XXXX 2015 with a promotional code offering XXXX XXXX XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that my initial online bill pay through the account ( one of the listed requirements ) had been completed successfully and would count toward the promotion. I met the remaining requirements in XX/XX/XXXX, as confirmed via online chat with a Citi representative and Citi stated in the promotional materials the miles would post within 90 days of that statement ( anticipated post date in XX/XX/XXXX ; also confirmed by Citi rep ). In XX/XX/XXXX, I provided my XXXX XXXX account number to Ciit via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. In XX/XX/XXXX, I received notification my XXXX had been accepted, and the airline miles would be applied on my XXXX XXXX account statement. When the miles had not posted within a few days of the XX/XX/XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that I did not have a promotion attached to my account and was not eligible for the promotion. I have since paid {$60.00} in total monthly service fees to Citibank and have appealed their response multiple times with the same conclusion each time. On XXXX XXXX, I received a response from their customer service team offering to look into this issue further if I felt it was a mistake, however they have already rejected my advice to review the emails their team sent to me stating I was on track to receive the promotional miles credit. All they have done at this point is waive my next monthly service fee of {$30.00}.
Product: Debt collection

Real Time Resolutions has been repeatedly calling me about debt collection. They have my name and phone number. I do not owe any debt besides college related loans/payments.

I do not have a credit card, or anything that would result in debt besides student loans. These loans would be tied with my school, and RTR would have no grounds for collecting it anyway.
Product: Checking or savings account

I was wrongfully charged overdraft fees multiple times I called to resolve the issue many times but they never fixed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loan delinquency mark requested be removed due to rehabilitation and not my personal-direct loan. 
30 days ago launch my status to control my credit reports and errors on my credit reports from XXXX, XXXX XXXX, and XXXX. Directly filed complaint reports with credit reporting Agencies to contest in most cases 3-5 items listed. Primarily, the outdated and incompleted report from Navient. The Credit report agency agreed to remove most but not the Navient delinquency report. They indicated that this must be done by Navient. 
I filed a complaint with Navient to have transgression removed. I base my dispute to facts that the Loan XXXX XXXX XXXX was sons loan and that I was a cosignee. Unaware of delinquency matters but co-responsible. I immediately helped him become current and pay off account-close it. Account was closed out on XX/XX/XXXX and original account opened was XXXX. Navient will not help or understand to correct and remove this history. Navient loans are rehabilitated and in good standing for some time..
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that sold the account XXXX a debt collector has put this as a derogatory account on my credit. This was opened so long ago over 7 years ago. It just randomly popped on my credit.
Product: Credit reporting or other personal consumer reports

I am victimized by identity theft in XXXX through the tax income. XXXX made setup and called the XXXX account on her or his own emails and phone before XXXX financial contacted me and confused security. I have no idea when I got credit card and then I contacted XXXX department. Fraudsters transferred about {$XXXX} to my old bank account before fraud money went to the XXXX XXXX 's bank in XXXX and messed. 

I am tired to explain XXXX XXXX XXXX  and XXXX everything since XXXX and reported to the XXXX XXXX  XXXX  after I closed both banks that had resulted of the fraudulent activity. I still fight XXXX XXXX XXXX to dispute and close XXXX account. I also got my attorney send letter to explain XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a identity theft report with the FTC and XXXX, Experian, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Payday loan, title loan, personal loan, or advance loan

I called XXXX XXXX on XX/XX/2023 to tell them I couldn't pay the repayment installment due tomorrow. I spoke to XXXX, who said it was past the deadline to ask for an extension. She said you have to do it at least XXXX business days before the day of repayment. 

I asked her where it says it in the contract I signed. She said it doesn't exactly say that. I asked for a supervisor. She placed me on hold longer than XXXX minutes so I hung up.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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 XXXXXXXX XXXX XXXXXXXX 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: Debt collection

Company agreed to update account as paid in full with credit reporting agencies. I made payment In 2021 and the company has still not updated credit reporting agencies. I've disputed this with credit reporting agencies and the company has refused to make any updates.
Product: Debt collection

The company just put something on my credit report that I didn't know anything about haven't heard anything about this debt and when I tried to contact the original owner of the XXXX they have sold their business and merge with another so they no longer had any of the information to give me
Product: Debt collection

Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, Transunion, XXXX and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have had an account with Synchrony Bank Home account since XXXX. Back in XXXX I misplaced my credit card and called Synchrony Bank for a replacement card. However, I never received a replacement card to use my account. 

On XX/XX/XXXX I received a notification from the credit bureau. When I reviewed my account, I noticed that my Synchrony Bank Home account was no longer showing on a credit report. Then I see that the account was closed by the creditor stating lack of usage. With respect I can not use my card if I misplaced it and requested a new card and never used it. I did not owe a bill and my payment history is exceptional. Nor was I notified that the card was going to be closed. 
Im very disappointment by these actions and unfair treatment by Synchrony Bank. This has also adversely affected me causing my credit usage to become higher. Also, my credit score has decreased as well affecting my overall credits score. I can not gain access to my account online to review bill payment history, and merchandise purchases. 

We have been in a pandemic for over two years, and the world is moving forward opening up in XXXX and my credit card becomes closed makes no sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # 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 consumer reporting agency can not furnish a account without my written in instructions.
Product: Credit card or prepaid card

We are stuck overseas in XXXX due to COVID-19 we are not able to return to the United States. CapitalOne chose to replace my unexpired VISA credit card, switching all cards from VISA to MASTERCARD. CapitalOne is unwilling to ship me a new card to XXXX without me providing a copy of my US passport that would remain on CapitalOne systems after the verification process is complete. There is no other way to verify my identify and to get a replacement card, while my current unexpired card was inactivated by CapitalOne because of the switch to MASTERCARD. Given the CapitalOne data loss of over 100 million accounts, I am not comfortable providing my passport information to capitalone that they retain on their systems. I can provide all other information including all information on my statements, my credit report however, CapitalOne continues to say that the current " regulations '' mean that they can not send me a new card without taking and saving my passport information on their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a consumer report background check made by Sterling. report number XXXX Candidate code : XXXX It shows a XXXX XXXX. Going back the past seven years and I would like to know where they got this information. They had run back. Background of the previous year. I had disputed it with sterling, and they removed it last year. They had removed it from the report. 
I had communicated with XXXX XXXX the report number was XXXX I don't know if they are sending the Companies that order the reports different reports than they send to the candidate. if so, can they give me an answer? 
I would like them to show me how they verify this XXXX XXXX 
They state that their verification method was through name, date of birth, and government ID. 
However, I've tried to search for this information myself at the. 
Courthouse, and they stated that there is nothing that they had given anyone that matched my ID identification. 
They do not provide such information any government identification is redacted from all records. 
So if they are reporting based on government identification, how is this possible? 
That information is redacted and sealed. Are they getting this information from a cached database? And aged data furniture that is. That is providing them with this information. 
Also if someone pays fines and closes a case And do they age re-age? Records and their consumer background checks by the source of when cases are closed or when they are started. 

Also, if a record has been sealed, does sterling report it anyways
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history.

Account Name : XXXX XXXX Account Number XXXX Late Payment Date : XXXX XXXXXXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I open this car to rebuild my credit they have charged excessive fees and interest that I was not knowledgeable of. They close the account I called to try to figure out and negotiation for a payment plan they will not give me a payment plan on both occasions when I called because whoever I spoke to said they could not do it. I let them know that I was not working and I am going to a hardship because of my XXXX XXXX and my XXXX XXXX they said sorry but we still can't do anything. They kept charging me these fees when I asked him could they just freeze my account until I paid it down. Every time I paid our sums the next thing you know here comes large interest rates and fees also charging me late fees when I paid on time. I use at the ATM they froze my account for {$10.00} ATM fee until that clear I was confused I've never heard of this in my life. I am confused about this card I'm not aware of some of these fees and charges that they have put on here the account had been closed and charged off they have not sent me a 1099 get to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/2018 On attempting to pay for an item at Michigan 's XXXX XXXX XXXX in XXXX on XX/XX/2018, Monday, my check was declined. No explanation was given. 

What confounded me was the fact that I was able to complete a purchase with a check approximately one hour previously, at the Michigan 's XXXX XXXX XXXX in XXXX Michigan. 

I immediately contacted my financial institution and was told there was nothing wrong with my checking account ( as expected ). I have excellent credit and certainly had the funds to cover the check, so I went online to inquiry from the company that XXXX XXXX uses to certify check information : https : //www.askcertegy.com/CheckSearch.jsp After entering my complete information, it said it could not find the check!? Upon further investigation, I find that I'm not the only person whose check was rejected without warrant. 

https : //www.consumeraffairs.com/finance/certegy.html Here is the information that was provided on my receipt after purchasing the item with my credit card ( which was approved ) : " DEAR XXXXXXXX XXXX CUSTOMER : We are sorry that your check could not be authorized. This decision was based, in whole or in part, on infor mation provided by Certegy Check Services. Inc. Pursuant to the Fair Credit Reporting Act. you have a r ight to a f ree copy of your file ( i.e. Consumer Report ) from Certegy for a period of ( 60 ) days following the date you receive this notice and you also have the right to dispute the accuracy or completeness of any i n f o rma t i o n i n t h e fi l e. I n i t s r o l e as a consumer reporting agency.

Certegy did not make the decision not to authorize your check and is unable to provide you with the specific reasons why this action was taken.

However, in its role as an author ization service for our company.

Certegy can provide information to y o u. To r e c e i v e t h i s i n f o rma t i o n o r to obtain a copy of your file, please cal1 : Certegy Customer Care Line at : XXXX o r w r i t e XXXX XXXX XXXX XXXX. FL XXXX THANK YOU FOR SHOPPING AT XXXXXXXX XXXX! 

Please investigate this company " CERTEGY '' Thank you