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

There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

Experian & XXXX BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And Experian especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

Experian makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have then right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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 payment 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 card or prepaid card

I went to a restaurant and they gave me back the wrong card. I contacted the company and they dont have my card. I called synchrony to report my card as its not in my possession. After 5 calls, my card is still active. Representatives did not want to assist me like they are wanting fraud on the card. They transfer me to a place that barely can understand me and when I do get someone who can, they are total jerks and disconnect the call.
Product: Credit card or prepaid card

I made a purchase on my Chase XXXX XXXX card ( current account number is XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$740.00}. I did not receive the goods and filed a purchase protection claim on XX/XX/22 with XXXX  The claim number is XXXX. All documents required from me were submitted for this claim. XXXX  has yet to approve the claim because they are waiting for a response from Chase to emails sent to Chase on a weekly basis since XX/XX/22 requesting that Chase validate that I did not receive a credit or refund for this purchase
Product: Debt collection

Convergent  XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute.   XXXX  They continue to forget the law as this is the 2nd time this company has done this to me.   XXXX  My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report.   XXXX  Convergent  XXXX  collection practices are illegal and are continually being used on the American people.   XXXX  I called the company to see what was the bill.   XXXX  I was told that the bill was for  XXXX    XXXX   and  XXXX .   XXXX  I have not received a right to dispute.   This bill has not been verified and validated.   I do not have a contract with Convergent  XXXX  I am in the process of buying a home, and getting my clearance to work.   XXXX  Remove this incorrect collection immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send debt validation letters to Trans-union. Upon receipt of documents they mention investigating the matter. 
However once the investigating was over they never validation from the creditor side the necessary documentation to the consumer. 
The creditor never provided to me ( the consumer ) all account information. 

By failing to do so, I caused me great injury to my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three Fruad accounts on my credit report. I have attached a FTC report and my current lease. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that unauthorized inquiries still remain, indicating a compromise of my credit. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the listed companies, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of compliance, each receiving a certified letter stating the inquiries were unauthorized. I am requesting the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my report. There are still FOUR ( 4 ) unauthorized inquiries present. Enclosed is my new FTC report for reference, number XXXX. I am disappointed by the lack of action. When will XXXX and XXXX remove these erroneous hard inquiries from my file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Additionally, I request TransUnion to remove these inaccurate addresses from my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX. Under the Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This serves as a final notice ; failure to remove these inquiries will result in legal action. My attorney is prepared to hold you accountable for noncompliance. Please address this matter promptly.
Product: Debt collection

I have disputed this collection Jefferson capital I have not singed any contract with them Llc with the three credit bureaus on XX/XX/year> and on XX/XX/year> and I havent received any answer and this hurts my credit score
Product: Checking or savings account

Good morning. i am writing you today because my Suntrust checking accounts had a fraud transaction made for XXXX via XXXX XXXX witch nobody knows about. the transactions were made XX/XX/XXXX to a XXXX XXXX. The transactions were done separately 2 for {$500.00} and 2 for {$1000.00}. 

We attempted to file a claims on the fraudulent funds around XXXX, the reason the claim was filed so late is because we had other fraudulent activity on the account we were trying to take care and they were successfully handled but this particular one is just very weird but we will not stop fighting. 

So the claim from XXXX was denied and we were not provided with a valid reason as to why the claim was denied even speaking with a representative the told us " the security team denied your claim we are unable to tell you and the security team doesn't have a direct number so i'm sorry about that ''. So i told the representative that i want to submit a rebuttal form, at this point its XX/XX/XXXX thats when the rebuttal form was submitted. Also me and my mother walk in the bank and also submit a rebuttal form with the bank teller representative. The bank teller also helps us submit a form because he taught it was ridiculous too. So both forms were submitted less than 45 days later the rebottle claims came back denied. The email read " we have received your and reviewed your letter, the document failed to give any additional details that would overturn the decision rendered on your case ''. It was very heartbreaking, my mother and i went over to to Suntrust bank again to see what we can do and the teller told us its nothing i can do " these type of situations happen all the time ''. She even tried to call the representatives on the phone but they were still not able to provide a valid reason on why it was denied. So now here i am still fighting to get justice on this situation.
Product: Mortgage

I had a mortgage loan that was serviced by Plaza Home Mortgage then was transferred to XXXX  late XXXX by Plaza Home Mortgage and no payment was expected to be made to Plaza Home Mortgage afterward. However, mistakenly a pre-scheduled one month payment went out of my account at XXXX to Plaza Home Mortgage and was cleared as shown in my attached XXXX bank statement. The payment was never returned back to me by Plaza Home Mortgage Since XX/XX/XXXX, I have contacted Plaza Home Mortgage, Inc bank multiple times ; more than 5 times in writing and so many phone calls about this refund. In every time I am told my request is being looked at. So far it has been over 3 YEARS and no resolution and no understanding of why this has been taking that long nor what is going on. My communication written and phone calls with the bank was at a quarterly basis for 3 years until I approached a lawyer who recommended to file a complaint with the bureau. 

I have also spoke multiple times with XXXX and they confirmed their two documents I already provided to Plaza Home Mortgage ( 1 ) monthly statement & ( 2 ) Proof of Payment are very clear and good enough to proof the one month payment was indeed ( 1 ) made to Plaza Home Mortgage and ( 2 ) nothing else showing it was returned.
Product: Credit card or prepaid card

I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of anxiety as I have always made my payments on time. It is affecting my XXXX XXXX XXXX XXXX XXXX. I want to reiterate that I have never missed paying this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was approved for an XXXX store card and made purchase of approximately {$50.00}. Was unable to pay balance for several months due to not having credit card which was never mailed to me. Tried several times to get card number so I can pay it off online. After several months, credit card finally came in the mail. Paid it off completely. Meanwhile credit score went from XXXX, down to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by Experian as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : 1. Incorrect Information : The account status listed on my credit report by Experian contains incorrect information, including the date of last payment, the date opened, and the date last active. 
2. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, XXXX, and Experian ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( Experian, XXXX, and XXXX ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with   XXXX   ( formerly  XXXX   XXXX   ).   Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Product: Debt collection

Debt is due to automobile insurance fraud, medical malpractice fraud, applied debt to covered/insured policies ( medical and auto ), malicious intent to stop automatic bill pay, ... etc.
Product: Debt collection

THIS IS A FRAUDULENT ACCOUNT I.C. SYSTEMS IVE FILED A POLICE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Debt collection

Upon receiving my credit reports from XXXX, XXXX and XXXX on XX/XX/2018, I noticed a negative/derogatory line item from Portfolio Recovery Associates, LLC in the amount of {$6300.00}. I have sent two certified letters to Portfolio Recovery requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. Portfolio responded by saying that they verified the account. However, they have not shown proof of my signature. Portfolio went on to say ( in their most recent letter ) dated XX/XX/2018 " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was alerted that XXXX XXXX that someone was applying for a new line of credit under my maiden last name. I did not apply for new line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was involved In a data breach with XXXX XXXX XXXX. My information was compromised. Shortly after, several inquires were made on my credit report. 

The inquires in question are CAPITAL ONE BANK USA NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX  had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX  again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX  had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX  account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX  ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
Product: Credit reporting or other personal consumer reports

The account was settled sold back to the original company and it still showing as a charge off on my credit report which Im not understanding why is it still be reported The account is XXXX XXXX XXXX