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

XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. XXXX XXXX XXXX Bank is not reporting the same account number to all 3 credit bureaus XXXX XXXX XXXX XXXX Bank is not reporting the same Account type to all 3 credit bureaus, XXXX XXXX XXXX Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to XXXX XXXX XXXX Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( XXXX ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Checking or savings account

I am a company, I had two company checks that were stolen out of the mail. The checks were written to a MO government agency. All the information was on checks they were not washed or changed. 
Capital one, NA bank in XXXX, VA Cashed these checks and signed these check. 
Capital one has a person that did not look at the 2 checks that were cashed and if they had they would see a government agency on the payee line and the Address for XXXX XXXX, mo. Also my company is in XXXX XXXX, MO XXXX 
So they have some one doing fraud in there banks. I started the process when I found out what had happen in XX/XX/2019 with my bank XXXX XXXX MO, A report was filled and now it is XX/XX/2019 and I have spent hours on the phone with both banks and still have not received my XXXX back. 
Took action on XX/XX/2019 with my bank they had a person that did not do there Job So I went up the chain and on XX/XX/2019 a report was sent to Capital one. Still have not had a response from capital one. These checks should have never been cashed and it should not take a bank this long to see that with overwhelming evidence on the back and front of the checks. That person should be jailed ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been in dispute with Transunion, XXXX and XXXX about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax ' account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX XXXX XXXXXXXX for my XXXX XXXX and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly medical collections on my credit report. ( Please see the attached spreadsheet outlining each account. ) These medical bills were on behalf of my daughter who has Medicaid. I gave each provider my daughters Medicaid card account information for billing purposes, however, the providers never submitted the appropriate paperwork to Medicaid and consequently the outstanding balances for my daughters medical bills has now attached to my credit report and consequently has become a collection. ( Please see pages 2, 3, and 4 of the attached credit report along with a copy of my daughters Medicaid card. ) This incorrect reporting is harming my credit score.  Please remove these line items from my credit report.
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX, XXXX for a debt that does not exist. The letter stated that they were collecting a debt on behalf of PayPal. 

I know that I have no account in arrears with PayPal. I contacted PayPal customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.
Product: Credit card

TOMO Charge card I am absolutely certain that you have got many complaints about this company they refuse to close my account no matter what I do constantly getting charged per month for absolutely no service I just want my account closed and it's very difficult to do as you have to know through other complaints.. TOMO XXXX TOMO XXXX  TOMOXXXX PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I transferred funds into my Wells Fargo account to make a payment on my auto loan ( the final payment ) with Wells Fargo Dealer Services. I then made the payment. Wells Fargo reversed the payment and reported my account as 30 days past due. Their action resulted in my XXXX score dropping from XXXX to XXXX. I am now unable to get a mortgage for a home I am trying to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on TRANSUNION is : XXXX XXXX XXXX XXXXXXXX and XXXX the inquiries I noticed on XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The CREDENCE RM ( Original Creditor : 11 XXXX XXXX ) account that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I have an error of 90 days late reporting on my credit report and its lowering my score tremendously I have paid the 12 month installment loan and I have the email to proof it.
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. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  XXXX XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at XXXX and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating exeter was at fault - now i go into XXXX XXXX XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed your account.

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repossession : In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

I demand these accounts be deleted immediately or I will file for litigation. 
XXXX XXXX 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

Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

After a detailed examination of my latest credit report, I found several unauthorized accounts that I believe were fraudulently opened.
Product: Credit reporting or other personal consumer reports

Company Information : Company Name : XXXX, TransUnion, XXXX Complaint Details : I am filing this complaint against XXXX, TransUnion and XXXX for their failure to remove incorrect and unrelated addresses and names from my credit report, despite multiple disputes and verbal confirmations from their agents. 

Issue Summary : 1. Inaccurate Addresses on My Credit Report : o The only correct address associated with me is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

o The incorrect addresses I requested to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Names on My Credit Report : o The only correct name associated with me is XXXX XXXX XXXX. 
o All other names listed on my credit report are incorrect and should be removed. 
XXXX. XXXX XXXX. XXXX Steps Taken : 1. Initial Written Dispute ( Over 60 Days Ago ) : I submitted a written disputes to XXXX, Transunion and XXXX more than 60 days ago through regular mail. In this dispute, I requested the removal of incorrect addresses and names from my credit report and provided proof of my identity and correct address ( government-issued ID and utility bill ). I did not send this letter via certified mail, as I trusted that the companies would act on my request. However, I never received any written confirmation, and no corrections were made. 

2. First Phone Call ( Over 30 Days Ago ) : I called all three bureaus XXXX, Transunion and XXXX after noticing that no action had been taken. I spoke with agents who all confirmed that the information was incorrect and assured me that it would be removed immediately. I did not document the agents ' names or employee numbers, trusting their words. Despite this, no updates were made to my report. 

3. Second Phone Call ( 15 Days Ago ) : After still not receiving any updates or corrected credit reports, I made another phone call 15 days ago. The second sets of agents also apologized for the delay and assured me that the corrections would be made right away. I was promised an updated credit report within 7-10 days, but I still have not received any response, and the incorrect information remains on my credit report.

4. Recent Credit Report Check : I recently checked my credit reports again, and the incorrect addresses and names are still listed. No action has been taken despite the assurances made by the XXXX agents. 

Reasons for Lack of Documentation : I did not submit my disputes via certified mail, nor did I document the agents ' names, because I trusted that the representatives would act on their promises and correct my credit reports. Given the repeated failure of XXXX, Transunion and XXXX to do so, I now realize the importance of these steps, but this should not excuse Experians, Transunion 's and XXXX 's obligations to follow the law and resolve my disputes within the legally mandated timeframe. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

my citi bank account get hack on last year XXXX XXXX. The thief borrow money from my line of credit of my checking account without my agreement. Then they using XXXX XXXX and other money transfer company to transfer the money out to my account. 

1> The bank they do credit back to my account for the stolen money total ( {$7000.00} ) 2> however, they say I open up the line of credit ( {$4900.00} ). which I never do. 
SO they want me to pay the interest rate + fees 3> Bottom line, they can deduct the money from my account with the remaining balance but not the interest and fee.

4> I have already talk to the bank but look like they play delay strategic. 
a>They say the line of credit department is nothing to do my account hacking. 
b> they say my account never get hack and I told them to open up the investigation again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to abide by the land of the law while reporting information on my credit file. Transunion has failed to maintain accurate information and has refused to follow the laws under the FCRA section 611 I have challenged the reporting and compliance on  an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are not reporting any positive payment history. I have contacted XXXX XXXX and they have ensured me that they have not reported or furnished Tranunion with any documents showing payment history. Your improper procedures are highly damaging to my credit score. Please  immediately delete this account item. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of  Verification. I do not consent to e-oscar or reports from XXXX or any means of automated verification. A human verification of documents is required with a copy of returned findings of documents sent to me.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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 paymen
t due date.

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

I paid the XXXX XXXX XXXX ending in XXXX to a XXXX balance in XX/XX/2021. Transunion keeps showing an amount of {$5000.00} still used/available on the credit report. this is negatively impacting my credit score ( lowering it ) by a significate points. I have contacted Transunion several times to correct this error, it will be fixed for a few days then go back to show {$5000.00}. I have also contacted XXXX XXXX visa about this, they said the balance on the account is XXXX.
Product: Bank account or service

I deposited a check with KeyBank of XXXX. Because of the amount of the check, a XXXX day access hold was placed on the majority of the funds. The bank branch deposited the check to the wrong account and made the correction the following day. That pushed my hold back another day. Because of the weekend, it is actually XXXX days. Bank 's mistake.. consumer get 's screwed, so my alternative is, move to another bank.