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

I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.
Product: Mortgage

I was told to make a payment by check because my auto-pay would not be set-up in time. However, after I made my XXXX payment by check, the auto-pay also pulled a payment. Then, while my next payment due date was changed to XX/XX/XXXX, I was assured that a payment would NOT be auto-paid in XXXX. Then, on XX/XX/XXXX a payment was still auto-paid on my account, pushing my next payment due date out to XX/XX/XXXX. I called Dovenmuehle several times ( from XX/XX/XXXX to XX/XX/XXXX ) to request a refund of one of the two payments made in XXXX to correct the problem. I was hung up on several times. When I was finally transferred to a Supervisor ( XXXX ) on XX/XX/XXXX, she told me they would send a check in the next 5 days. On XX/XX/XXXX, after receiving no check I called again and spoke to XXXX. She assured me that the check would be sent, and still nothing. They are not resolving my issue and I don't know what else to do. When I do finally reach someone, they are rude and/or place me on extended holds ( sometimes more than 30 minutes! )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue and will continue to address this situation. I feel everytime that I have addressed this matter with Capital One Bank about the unauthorized inquires, they continue to respond saying that they have no record. The record is there where there representatives have told me that they had no such record that was found. 

I still question where these inquires came from. The other credit bereaus investigated and found my case to be fraudulant applications and immediately removed but Equifax continues to hold this situation up and continues to insist that II have capital one deal with this situation. 

Capital One continues to discriminate towards me and not properly addressing my concerns. I have ask for the inquiries to be removed and as i stated before until they disappear off my credit report I will not quit with the complaints till a resolve has been reached.
Product: Credit reporting or other personal consumer reports

Dear XXXX  XXXX XXXX, Account number XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXX XXXX, {$25000.00} XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$16000.00} XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, 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 U.S.C 1681. 
XXXXXXXX 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 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 has XXXX my rights! 15 U.S.C 1681 section 602A. States I have to right to privacy. 15 U.S.C 1681 Section 2 ; it also states a consumer reporting agency can not furnish an 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 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 reporting or other personal consumer reports

I recently reviewed my credit report and I was stunned by the information furnished on my report. I have filed a FTC complaint because I do not know where these accounts came from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI want a manual investigation into this matter because as stated before I never entered into a consumer credit transaction with any of these data furnishers. I am sure that you are well aware that current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by FCRA 15 U.S.C & 1681 [ a ] ( 4 ) You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified
Product: Credit reporting or other personal consumer reports

My complaint is against Experian. I received notice from my credit card that my SSN number was found on dark web. I was advised to lock my credit information. On XX/XX/XXXX I went to XXXX and XXXX XXXX and locked credit file and placed fraud alert without issue or charges. I also went to Experian and was able to lock credit but not put fraud alert. I thought there was no issue. Experian made me enter a credit card, but showed charge of {$0.00}. XX/XX/XXXX I noticed a charge of {$26.00} on my CC from Experian. I called them. First person I spoke to said they where having a problem and where charging people when they were not suppose to. She had to transfer me to someone else. She told me to bad no refund. This is why I am. I want my money refunded and I want to know for sure my credit is either locked or frozen ( whichever is free ) and a fraud alert is placed on my credit.
Product: Credit card

I am writing to formally raise a concern regarding an unexpected restriction placed on my credit card.its been more than a month that i'm trying use the card for my medical treatment transaction on and it continuously being declined. Upon checking, I discovered that the card had been restricted without prior notice or a clear explanation. This sudden restriction has caused significant inconvenience and embarrassment, particularly as I rely on this card for essential daily expenses and commitments. I have reviewed my recent transactions and can confirm that all activity has been legitimate and within normal usage patterns. 
I kindly request a prompt explanation for the restriction and a timeline for when this issue will be resolved. If any documentation or further verification is needed from my end except visiting the branch because i'm traveling for my medical treatment and in this time i need to use my card for my medical expense. please let me know immediately so I can assist in expediting the process. 
I hope to have this resolved quickly to avoid further disruption.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last XXXX SS # : XXXX Credit Reporting Agency : XXXX XXXX Transunion To Whom it May Concern, Account name XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00}, and while reflecting XXXX XXXX XXXX ) late payment. Additionally the utilization percentage is also inaccurate as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) So the increase amount is XXXX Adding the increase of XXXX to the original XXXX gives us : {$1200.00} + {$220.00} = {$1400.00} Therefore, {$1200.00} plus an 18 % increase is {$1400.00} which contridicts the account balance and past due amount {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Credit card

Since XX/XX/year>2024, I have been disputing this charge with Apple Mastercard. I have sent the required documentation, but they are neglecting to fix the charge on my account.
Product: Debt collection

Experian and XXXX are bringing my credit score down I the past month 1 was open XX/XX/2022 from XXXX XXXX and 1 is XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have an account removed from my credit report with Experian because it contains inaccurate information and charges that were disputed with XXXX XXXX XXXX who refused to credit items I never signed off on those purchases with my own signature. 

XXXX XXXX began to allow charges from XXXX XXXX XXXX without my consent even after disputing the items. 

XXXX XXXX received a payments in the amount of {$840.00} which was found on XX/XX/2018 credit card statement. XXXX XXXX would turn around and charge a late fee the next month which showed up on my credit card statement XX/XX/2018. The current due amount listed after making an advance payment should have been XXXX for the following month because the cardholder satisfied the account with paying the minimum due for more than one month and was entitled to a longer grace period that exceeds 30 days. 

All credit reporting agencies must follow the Fair Credit Reportig Act, which states inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Attached with this complaint is proof of disputed charges that XXXX XXXX XXXX failed to remove and concerns about charging late fees even when large payments were sent to the company to satisfy the account in XX/XX/2018 credit card statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.
Product: Credit card

I activated one of the credit card cash back offers on my Chase Freedom Visa card the was for 10 % back up to a maximum of {$57.00} for staying at an XXXX hotel. The offer was good until XX/XX/XXXX. I checked out of the hotel on XXXX XXXX and the charge posted to my account on XXXX XXXX for {$640.00}. They never honored the offer and I never received the credit that I was entitled to. I contacted Chase several times via phone and using their online secure messaging system. I spoke to supervisors on at least 2 of the phone calls. I provided proof that I had activated the offer on my account yet they continued to say that I didn't. These offers have to be added to my card to qualify for them and I am careful to add these ahead of time if there is a chance I'll be using them. Chase has a section on your account called the " offers wallet '' and when you are logged in, it that shows these offers that you have added to your card. Offers that have been added that I didn't use appear in the expired tab of the wallet once the expiration date has passed. If I did not add an offer to my card, it never appears in the expired tab, it simply no longer shows up anywhere. This is clearly stated by Chase and I even sent screen shots from my account indicating this and that that particular offer was there for my card. They refuse to tell me why they continue to say I didn't add that offer despite the proof I sent them.
Product: Money transfer, virtual currency, or money service

I do not have dates it was XXXX or XXXX years back. I sent money through XXXX but the number was wrong and didnt get my money back
Product: Debt collection

Subject : Request to Reopen Case : Complaint Regarding Incorrect Information on Credit Report and Identity Theft Dear CFPB Team, I am writing to request the reopening of my case ( Complaint ID : XXXX ) regarding the incorrect information on my credit report and potential identity theft. I recently received a response from the company involved, but I believe that my concerns have not been adequately addressed. 

In the company 's response, they provided information about two accounts they are servicing, but they did not address the broader issue of incorrect information on my credit report and the potential identity theft I have reported. Despite providing evidence of the identity theft and disputing multiple accounts, the company 's response did not sufficiently acknowledge or resolve these critical issues. 

I believe that further investigation and intervention are necessary to rectify the inaccurate information on my credit report and address the identity theft concerns effectively. I kindly request that you reopen my case and continue to work towards a resolution that upholds my consumer rights and protects my financial well-being. 

I appreciate your attention to this matter and look forward to your assistance in reopening the case. If additional information or documentation is required from my end, please let me know, and I will promptly provide it. 

Thank you for your continued support and dedication to consumer protection. 

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

I am submitting this complaint about XXXX credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX told me I need to clear it with XXXX. This is a circle and Im getting nowhere.
Product: Mortgage

I received a Surplus Adjustment check number XXXX for the amount of {$62.00} for my Ditech loan number XXXX in XXXX 2016. Unfortunately, my bank was unable to process the deposit of the check. I enclosed the check as instructed by Ditech and requested for another one to be sent on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and I still have not received my check. I have called monthly inquiring about the status.
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Debt collection

Company is attempting to collect debt that was a fraudulent charge on an account due to identity theft. Company has not made attempts to allow me to provide information to dispute this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$9100.00}
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX : XXXX, has violated my rights. 

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 reporting or other personal consumer reports

PLEASE DELETE ALL THE FOLLOWING NEGATIVE ACCOUNT XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Bankruptcy Court Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian are reporting inaccurately information on my consumer report. 

After many disputes sent in Experian has disregard the law so this is My last attempt to resolve these issues. I'm sending a notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove or update information regarding the department of education from my report. The over payment debt was paid off and they keep reporting it as part of a bankruptcy and therefore should be removed.
Product: Debt collection

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating consumer rights by using false misleading, misrepresentation, and deceptive means.

The collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!