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

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXXXXXX Balance {$14000.00} XXXX XXXXXXXX Balance {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XXXX ( Original Creditor : XXXX ) XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

There was an old medical bill that I never received anything on from 2019 that appeared on my Experian credit report yesterday. I called the collection agency and they agreed to a pay and delete. So I paid the {$590.00} plus the {$23.00} fee to pay be credit card. Attached is the paid receipt. You can reach out to them at XXXX. I am in the process of buying a home and need this removed immediately.
Product: Checking or savings account

Citi bank closed my newly opened account with them without reason and still have not returned my funds that were in my account. Total funds in the account was {$750.00} Date of XXXX XX/XX/year> A cashiers check in my name from my XXXX  checking amount, the amount of the check was for the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, TransUnion & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Complaint of Inaccurate Credit Reporting Violations Under FCRA Section 1681 ( e ) ( b ) Dear CFPB Complaint Resolution Office, I am filing a formal complaint regarding inaccurate information on my credit reports from XXXX, Experian, and XXXX. Despite my efforts to resolve these issues directly with the credit bureaus, I am experiencing ongoing and harmful inaccuracies on my credit history due to actions taken by XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( e ) ( b ).

Upon reviewing my credit reports, I noticed that both XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX have repeatedly reported charge-offs that are inconsistent with my actual payment history. These charge-offs appear to extend the statute of limitations by adding new derogatory entries, which misrepresent my creditworthiness and negatively impact my credit score. These actions violate the FCRAs mandate to maintain accurate and fair reporting of consumer information. 

To summarize the issues : 1. XXXXXXXX XXXX XXXX Repeated charge-offs inaccurately listed, extending beyond the allowable reporting period, affecting my credit score and financial reputation. 

2. XXXX XXXX XXXX XXXX Re-aging of the account through inconsistent reporting dates, leading to an extended statute of limitations and unfairly portraying my account as delinquent. 

These practices not only harm my credit but also create confusion by making it appear as if these accounts are continuously delinquent. This inaccurate reporting by the credit bureaus violates FCRA standards and has a detrimental impact on my financial standing. 

I am providing all supporting documentation, including copies of my identification, my credit reports from XXXX, Experian, and XXXX, and any relevant account statements, to aid in your investigation of these unfair practices. 

I respectfully request the CFPBs assistance in ensuring that the credit bureaus and these creditors adhere to FCRA guidelines, correct these inaccuracies, and prevent similar issues in the future. I look forward to your prompt investigation and response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to file a complaint regarding fraudulent activity on a joint company account in which I am listed. The account details are as follows : Financial Institution : XXXX Account Number : XXXX ( I am not an authorized signatory on this account ) I have reason to believe my employer has engaged in fraudulent activity by adding my name to this account without my knowledge or consent. I have never authorized the opening of this account nor any of the listed transactions. 

Other creditors accounts need removed : Creditor : 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 ( Amount Unknown ) I request that the CFPB investigate this matter and take appropriate action to : Remove my name from this unauthorized account. 
Ensure that I am not held liable for any fraudulent charges. 
Assist me in recovering any funds that may have been withdrawn from the account without my authorization.
Product: Credit card

I had a credit card with XXXX XXXX XXXX XXXX XXXX which was charged off i have a payment arrangement with XXXX i keep getting letters from XXXX XXXX XXXX XXXX i tried to contact XXXX XXXX XXXX letting them know this is being taking care of by XXXX and XXXX, they still keep sending me letters i even faxed a copy of the letter i reveived from XXXX XXXX XXXX. that did not stop them also, i am fedup with them please help me. attached is a copy of the letter from XXXX XXXX
Product: Mortgage

First i have never been late with a payment and i always pay extra to my principal every monty. 
Last year Mr. Cooper/nationstar gave me the option to pay the escrow variance or have an increase in payment. i opted to pay in full. they still increased the payment. 
Same thing happened this year with the escrow and even though they increased the payment, my account shows an excess. Your escrow analysis was on XX/XX/XXXX. At this analysis, you have a surplus of {$14.00} Then they refused to pay my Home owners insurance which was almost cancelled. 
Now, on XX/XX/XXXX, I sent a {$34000.00} Principal payment after I paid my XXXX payment on XX/XX/XXXX. i wrote on the invoice Principal only and on the check Principal only. They took out a payment and took the interest on the principal payment. they applied {$32000.00} to the principal, then took {$160.00} in interest that they stole, put {$580.00} in Escrow, and another {$490.00} to principal. 
i emailed : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX requesting to have this fixed. They refuse to respond to the email. i called Mr. Cooper and spent XXXX minutes on the phone while they " corrected '' it with a supervisor. i was told to wait XXXX hours before I would see it and they would monitor it and call me back. I never heard back and it was never corrected. i wrote on XXXX and was told by XXXX XXXX '' XXXX '' to call her. I called her and left a message. She never returned the call. I posted again that she did not call. i posted a snapshot of my phone showing that I did call her at the exact number she provided XXXX last year she provided a different number ). i also called the " customer Service '' number tonight which says " you are not calling during working hours '' and disconnects. Who knows what working hours are or the time zone because it doesn't say and you can't leave a message. Then i sent an email to XXXX tonight at XXXX. I don't expect any different results. I can provide any and all emails, XXXX responses, calls, etc. 
XXXX XXXX. 
Manager I dont have any missed messages or calls. Please Call me directly at XXXX
Product: Credit reporting or other personal consumer reports

You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605b XXXX XXXX XXXX XXXX XXXXXXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.
Product: Credit card

On XX/XX/2023 I received a corespodence from bread rewards credit card. Enclosed was a new credit card with a new account number and a new member Inception date. 
This card is apparently replacing the Comenity.net credit card on XX/XX/2023. 
I attempted to contact Bread rewards credit card customer service and was notified that the number would not be available to customers until XX/XX/XXXX. 
I then contacted the comenity.net credit card customer service. 
My concern and complaint is that due to no fault of my own this closure of the comenity.net credit card is going to have a negative impact upon my credit history as the comenity.net credit card is my longest standing credit card with several years of positive history. Additionally if I activate the new bread rewards card on XX/XX/XXXX it will reflect on my credit the new account and I will lose all of the positive history that I previously worked very hard for. 
I contacted comenity.net credit card customer service line three different times on XX/XX/2023 and received different conflicting information each time I spoke to a different customer service representative with these concerns. I then contacted cfpb and was advised that there are two options for the credit card company and them options being to close an account or to continue reporting an account, according to the law there is no gray area to continue to report the history as the credit card changes to a different account all together. 
On one call with comenity.net supervisor XXXX she advised me that there will be no impact to my credit score or history and that this transition from One credit card to the next is seamless with no impact to the consumers. 
This being decieving as there is not an option to report new account information on an old account history. 
There is zero mention of the potential impact to consumer credit as a result of this change, in the information bread rewards credit card sent in the mail.

There is zero information on the comenity bank website about this matter either.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a {$600.00} check from my husband 's XXXX XXXX checking account into my Bank of America checking account using the BOA ATM machine on XX/XX/2018. When I got the receipt, it said there was a two-week hold placed on the check because of the likelihood of it being returned. I have no idea why ; I have deposited my husband 's checks into my account without issues for years. The check cleared his account on XX/XX/XXXX. I have called BOA twice and they refuse to release the hold and insist the funds will not be available until XX/XX/XXXX. I can easily show proof the check has cleared. They told me it is impossible to release the hold while the Connecticut Department of Banking confirmed to me that they have the discretion to release it at any time. So in effect BOA has free use of my {$600.00} for eight days and in the meantime they have bounced at least two items in my account. This should be illegal. If there is proof the check has  cleared they should have to make the funds available. But why should they when they get free use of the money?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXX ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX/XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from Experian - " The information disputed has been verified as accurate. '' I spoke with Experian on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX/XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to Experian and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why Experian can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from XXXX dated XX/XX/XXXX - didn't change anything - " verified as accurate ''
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX XXXX  accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Debt collection

I sent Credit Consulting Services Inc debit validation letter after I seen a ding on my credit report. I never received a letter from this company to collect a debit. I wrote C.C.S on XX/XX/20 They received it with certified mail on XX/XX/20 They sent a letter back XX/XX/XXXX with just the Original creditor name XXXX XXXX XXXX XXXX and Balance of {$1400.00} Still Credit Consulting Services Inc didnt not provide Validation on this bill. 
I sent Credit Consulting Services Inc a second Response letter on XX/XX/20 and they received it on XX/XX/XXXX which I asked to send copies of Ink signature and copies of any HIPAA authorization. I still have not received any letter from credit Consulting Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all three credit bureaus ( XXXX ) ( XXXX ) ( Equifax ) to take these four things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX XXXX  XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!
Product: Credit reporting or other personal consumer reports

I called experain 4 time XXXX to fix my address they fix some but put the wrong address on my report. They also said it would take 30 days it's now XX/XX/XXXX I called and was spoken to rudely yelled at and refused a supervisor. They need to out the correct address as they said they would in XXXX it is not my fault they made the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove unknown inquires on my credit file. I have disputed several times please remove immediately!! I didnt authorize anyone to run my credit XXXX customer service XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account XXXX
Product: Credit reporting or other personal consumer reports

XXXX/MILSTNE & CB INDIGO is a credit company that works together they each approved me for a credit card gave me the credit card shipped it out to me then took it away before I can use it. I paid {$75.00} for each card. They then canceled it on me because they said they can not confirm my identity after i have already got the card. Now i have two credit cards attached to my account that say they are closed 3 different ways -Account closed by consumer -Credit line closed - consumer request - reported by subscriber. 

-Account closed at consumer 's request Closed or paid account/zero balance I did not close it they closed it on me. This has made my credit drop and impacted me negatively.. They told me they would take it off my credit completely. I keep reaching out and getting no help. 

open dates for all 3 credit accounts are XX/XX/year> XX/XX/year> XX/XX/year> Closed dates are XX/XX/year> XX/XX/year> XX/XX/year>
Product: Debt collection

I recently received a copy of my credit report. I have contacted Equifax a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE EQUIFAX DATA BREACH, And I believe that EQUIFAX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act, EQUIFAX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}
Product: Debt collection

Since XX/XX/2020 I have been disputing with Equifax regarding an inaccurate collection account from a company called XXXX XXXX in the amount of {$3100.00}. 

I never heard or done any business dealing with this collection agency. And have never done any business dealing on XX/XX/2020 in which this collection agency is reporting when the account was open. I was also not given the right from this collection company before they reported this inaccurate collection account to validate this debt in which is a violation of under the Fair Debt Collection Practices Act ( FDCPA ). 

I have requested from both Equifax & XXXX XXXX on numerous disputes ( most recent on XX/XX/XXXX ) for proof of legal documentation with my signature that I have done business with them and owe this reported debt directly to them. All of my requests with Equifax & XXXX XXXX have come back with me receiving no response and/or proof of documentation with my signature that I owe this debt, but are reporting on my credit report that my latest dispute was resolved by data furnisher which is false.