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

Disputed information with Experian several times and still has incorrect info. Unfrozen credit file even after 2 letters for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Product: Credit reporting or other personal consumer reports

Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX  law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called XXXX and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job
Product: Debt collection

I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute many objects on my transunion and XXXX report. Transunion is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX  XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with transunion it is getting worse. I am not sure if the companies is reporting things correctly or how transunion is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but transunion, it is rapidly declining. I am not sure what else to do.
Product: Debt collection

Attached is police report and FTC report listing accounts XXXX {$3100.00}, XXXX {$2600.00}, XXXX {$600.00}. These documents support the previous CFPB complaints filed and accounts listed therein, XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

The name listed on the accounts XXXX XXXX # XXXX, XXXX XXXX Services # XXXX, Trax # XXXX, # XXXX. Achieve XXXX Accounts is under a different name than mines also under a different address which does not belong to me. One main Financial is under a different name and a different address and is also reporting on Experian and XXXX with no balance and XXXX is reporting with a balance. Its XXXX addresses reporting on Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is a discrepancy on my credit report and also is enabling me from purchasing a home and have effected my life terribly. I need these accounts removed immediately. I have uploaded my credit reports, driver license and social security card.
Product: Credit card

My name is XXXX XXXX XXXX. 
I have had a credit card with TRUIST since XX/XX/XXXX, I am very careful where I put my card for fear that my information will be stolen, I am a customer who always makes his payments on time, on XX/XX/XXXXXXXX  I made the mistake of paying in XXXX with the physical card and from there the storm began with this bank. 
I have opened more than 10 cases of fraudulent transactions since that date, no matter how many times I cancel my card, the same company ( XXXX  ) continues to charge it, the bank does not take action on the matter, it only cancels and sends a new card and Sometimes without having reached my hands, the same company has made new charges in it, HOW IS THIS EXPLAINED?????? Well, the only answer that the TRUIST fraud case representatives have is that XXXX gives my new card information to the company over and over again ... and no matter how much I have spoken with supervisors, I have gone to branches, I have written letters to customer service, I have written bad reviews about the bad service from the representatives, TRUIST DOES NOTHING, they just send a new card, I am in a circle that I can not get out of, they have already affected my credit score, adding a REMARK CODE for all open fraudulent cases! The representatives of TRUIST refuse to give their name and when I ask to be connected to a supervisor all they do is transfer my call to another representative. 
I am sending this case to several places, lawyers and CFPB ; in my opinion it is very serious, not only have I spent hours behind a phone talking to representatives ( time is very important ) but I have also had very bad times, I have evidence of all the calls and all transactions with date and time, I immediately request that this case be resolved and that I be given the response that I have been requesting since XX/XX/XXXX and that no representative or manager has been able to give me. 
I don't understand how it is possible that XXXX continues to make charges on my card without giving my consent that I am the only one authorized, I have never had business with this company and no matter how much I say that they block this company and put up a red flag TRUIST DOES NOTHING!!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX  and XX/XX/year>XXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor.

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Im writing this email in regards to your customer service agents. On XX/XX/XXXX I made a phone call to your service center when I realized my direct payment wasnt removed from my account. I spoke to a rep and gave him all my information to make a payment and to be out back on the automatic payment. 

I looked again onto to my bank account and realized a payment never was taken out of my account for both XXXX and XXXX. Why? So I called your customer service center again and the rep then told me my mortgage switched to another lender. The kicker to this is my mortgage was switched Prior to my first original phone call. So now if begs the question why did the rep take all my bank account information and process a payment? Why didnt the original rep tell me this? I am now 35 days delinquent over two months which I had to pay at once. Im not sure if Covid messed things up and you had to hire unethical and unqualified people in your call center. Just want to be sure that this doesnt happen to other people and would appreciate some form of response from someone higher then a customer service representative. I will be reporting this incident to the XXXX and any oversight committees that control mortgage companies.
Product: Credit card

Several years ago I applied for and received a credit card from BB & T for emergencies and personal purchases. In XXXX after reviewing a statement I noticed that a charge called " special purchases '' was being billed for approximately {$400.00} monthly. I am unsure how long this charge has been part of my billing cycles but after several attempts to gain answers from BB & T I have received no answer concerning what this charge consist of. I have spoken several times with branch representatives but each continue to say that there is no longer any record to give an indication of what the charge is. They expressed that they do not keep records past seven years. I requested statements for the last seven years and still have not received them. While paying the balance no payment was allocated to the " special purchase '' and it continued to accrue interest like the main balance was doing. In XXXX the charge was dropped but BB & T continued to request payment for the the previous years. I have continued to attempt to get answers concerning the issue from BB & T but they continue to have no answers for me. I believe that by the charge being left on the bill I have continued to overpay for my real purchases.
Product: Checking or savings account

On XX/XX/XXXX I booked a hotel with days XXXX XXXX tx. When I got to the property they refused to allow my son 's service dog to stay. They did a instant refund. I received the confirmation email and the merchant did everything on his part to get me my funds back. On XX/XX/XXXX the transaction was still pending I reach out to my bank and asked about the money pending they informed me it be 3o days before they will drop the pending transaction. I sent confirmation email I've cc both cash app and days in on emails to get the funds returned I've spoke with multiple people at cash app via chat through app and on the phone but they refuse to allow the money to be put back i to my account. They state they see the refund done by the merchant but they still keep a 30 day hold on any hotel, air travel, car rental transaction. It's caused me to become homeless sleeping in my car cause the remainder of the funds was for my deposit on my apartment. I had to book a diffrent room for the days needed till the single parent housing opened up at my XXXX. I have a XXXX XXXX XXXX XXXX that no shelter will allow us to stay on due to XXXX by other people living in the facility. Cash app admitted they see the refund process but they won't release my money. I submitted several documents showing the refund but they won't allow my transaction to fall off pending status until the 30 days are up. XXXX starts before the hold is up. My son  can't be put into a school with out a address and I can't get a address till my deposits and XXXX months rent is paid. I just want the XXXX returned to my account before I lose my child for being homeless. Never in a XXXX years have heard of a 30 day hold for canceled transactions. This is unconstitutional, it should be against the law to harm a single mother escaping XXXX  XXXX trying to better her self. I just want to move into our single parent housing unit but I can't without the deposit being made. I just want the money they already said was returned to be in my available cash to have a safe place to live and they are refusing to allow that. With this made up rule of 30 days. I've proved it was returned they see its been returned and stated so on XX/XX/XXXX at XXXX but refused to allocate the funds back into my account.
Product: Mortgage

This company is blatantly violating the advertising rules that are set forth in regulation Z. It is very unfortunate that the regulators have clamped down on all of the other lenders in the area and have written them up for violations but yet companies like this that are regulated by the CFPB are allowed to do this and willfully deceive customers based on rates that are offered and not show APR.It is an absolute travesty that they are allowed to pray on lower income borrowers showing an FHA loan product that do not even have the required disclosures. I have loan officers that half to abide by the rules and are subject to disciplinary action at our company but yet companies like these ruin reputations of mortgage lenders. It is apparent that the compliance management system of this company does not matter at all. I wish they were regulated by the FDIC or Federal Reserve so we could get more ground on this. This is an unfair practice and a willful violation. The compliance culture at this organization should be question since we all have to abide by the rules. Not to mention that the information that they are provided for at least two of the lenders is not accurate and willfully misrepresent. them. There are no disclosures on here to compare products and deceives the potential customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires I don't recognized or authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letters on XX/XX/22 letting XXXX XXXX  and equifax know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( XXXX ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
Equifax sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
XXXX XXXX sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.
Product: Credit reporting

To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.
Product: Mortgage

ok.. im so very sorry to do this again.. but my concerns are if everything esp..from here on out isnt documented or monitored is going to do us no good with ocwens history but it does seem to be that we have been able to speak to the same person more than once now and that he hasnt been giving us different answers but that is not to say that 2 weeks from now we wont have a different relationship mgr with different answers and rules..i know you guys absolutely hate me but im just a mother trying to save our american dream ... ..on this last trial offer you are making us..it says that all liens must be free and clear.. before the permanant modification, so since you have been paying our taxes since you took over our loan ... is it up to you to clear this up or up too us? thank you!
Product: Checking or savings account

On XX/XX/2023 I applied for a checking account with XXXX XXXX XXXX XXXX and was denied an account due to an alleged debt being reported to Checks Systems. I have no knowledge of the inaccurate information being reported to credit reporting agencies.I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Pursuant to federal law 15 USC 1602 the law states the consumer has the right to dispute inaccurate information reporting on the consumer report. I am requesting the original contract, wet ink signature, balance, contract and your company failed to provide evidence reflecting and proving the debt is valid.You have failed to provide evidence showing that I entered into a contract with your company.
Product: Debt collection

On  X/X/17    I called portfolio recovery associates @  XXXX  regarding a debt that they purchased from   XXXX    XXXX  and spoke with  XXXX   XXXX . I stated that in no form or fashion that I am admitting to the debt that is trying to be collected, I am simply trying to make a settlement payment and not payment arrangements because it is not my debt but being reported on my credit report. The operations manager sta ted (   XXXX   XXXX   ) t hat this debt is in a non-collection status because it was being disputed. He stated that in order for me to make a one time settlement payment I had to state that " I was not disputing this debt ''. I stated on a recorded line that " I am not admitting to this debt in no form or fashion and I am simply stating that I am willing to make a good faith payment for the account that is not mines to be removed ''. He said okay lets make this a " win win situation '' so that it can be taken care of. He stated that the settlement amount would be {$420.00} and came back on the line and said what portfolio recovery purchased the debt for and {$680.00} on a debt of {$790.00} that is not mine. Even though portfolio recovery associates purchased the debt from   XXXX     XXXX , when I contacted  XXXX   XXXX  they stated I do not ow the debt to them. I have nothing to do with this company purchase,  XXXX   XXXX  stated I do not owe the debt to them so I am disputing the debt with this company as debt that is not mines. This debt can not be validated with copies of statements there is NO CONTRACT/ AGREEMENT with portfolio recovery associates FOR THE AMOUNT BEING STATED THAT IS OWED.
Product: Mortgage

CHASE informed me that my COVID-19 forbearance comes to an end on XX/XX/XXXX and that they would reach out to me to send the necessary paperwork to get my account current at the end of the COVID-19 forbearance as of XX/XX/XXXX. Prior to XX/XX/XXXX I filed a complaint because CHASE is forcing me into a deferment for the missed payments during the COVID-19 forbearance with a balloon payment at the end of my loan term. This is not what they initially shared with me and initially they shared with me that I would be able to extend my loan terms by the length of the payments that were on the COVID-19 forbearance. Needless to say, after filing this complaint for this issue, CHASE is now refusing to provide me the necessary paperwork to get my account current so I can resume regular monthly payments on XX/XX/XXXX and so my house does not go into foreclosure at the end of the COVID-19 forbearance. I need for them to send me whatever paperwork is necessary so I can exit the COVID-19 forbearance successfully and not be marked delinquent nor fall into foreclosure and so I can resume making my regular monthly payments as of XX/XX/XXXX as agreed upon at the start of the COVID-19 forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

today XX/XX/XXXX i contacted transunon i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX  has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the transunion board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from capital one mentions nothing of the sort i read it .this account is XXXX XXXX years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..
Product: Credit card or prepaid card

I had a XXXX credit card for two years with a platinum status, and I enrolled for XXXX  Thanks for sharing rewards program for {$25.00} last year, which is a 10 % in rewards program for XXXX  Card holder once a year. I have earned around {$2900.00} rewards by shopping at XXXX with my XXXX  card in XXXX. However, XXXX closed my account on XX/XX/XXXX without telling me reason why its closed over the phone. At that time I dont mind not continue use XXXX  card but I worried about my rewards that I had earned, so I called XXXX   customer service asking if I still would receive my thanks for sharing rewards even my account is closed, the answer I got was a Yes, the rewards card would be sent out XXXX-XX/XX/XXXX. And I have been waiting and waiting. During the beginning of XXXX I tried to call XXXX   customer service to ask when I can receive my rewards card, mostly I have to wait for 30 mins each call without any certain answer, however, on XX/XX/XXXX a representative told me he had reissue my rewards card and I would receive it in 5-10 business day, so I had waited till XX/XX/XXXX I made another call, this time I was told I wont be able to get my rewards card due to account closed. I was shocked and I Said that I paid for the program and I earned my rewards, if I didnt shop at XXXX  I wouldnt get a penny from it. However, I was just told we cant issue you the thanks for sharing rewards card due to your account closed, its not me who closed account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FIFTH THIRD BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FIFTH THIRD BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX