23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXX Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} TD Bank/Target is reporting XXXX XXXX XXXX XXXX off {$1300.00} when they only wrote off {$800.00} FINGERHUT is reporting they wrote off XXXX {$4000.00} when they only wrote off XXXX Synchrony Bank/Verizon Visa is reporting they XXXX XXXX {$3300.00} XXXX they only wrong off under {$1700.00} XXXX Bank is reporting they wrote off {$4400.00} XXXX they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX BANK XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and there is an collections account that does not belong to me i have made several calls and sent numerous letters to resolve this matter no response. The collections account is not mine and it should be removed immediately.
Product: Debt collection

I never did any business with Porfokio Recovery Accociates.I dont have a valid contract with this company! They dont have receipts or records of me applying for credit with company.I never paid a dollar to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the  CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report. I noticed inquiries that I did not apply for or authorized. I will like to have these inqiries removed immediately.
Product: Checking or savings account

Since XX/XX/XXXX and XX/XX/XXXX, I have disputes that Bank of America are refusing to to reward me, one for {$380.00}, {$100.00} and {$100.00}. I have given bank of america over 90 days to resolve several claims, a adequate amount of time, yet but thy have yet to resolve them. I spoke with several supervisors informed me on XX/XX/XXXX that customers have a due date to file them but the bank has no date to resolve them, and they just now sending the merchant info 2 weeks ago, and she stated bank of america allows 6 months to resolve these type issue when i asked for documenation if that is the correct process then it needs to be equal to the customers filing date because no date to resolve them is not right for the customer who is waiting on the claim that was filed, with that being said, I was hoping this would get the attention of an agency more experienced in this type situation because If the customer is supposed to receive a check because then that should be issued to me, but the supervisor stated that bank of america allows a 6 month process when disputing a claim... Which is not my policy nor do I think or have seen anything documented that is is their policy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries which i never authorized. I never authorized any hard inquiry since XX/XX/2019. 
I never opened any XXXX XXXX plus account and it shows 2 collections on my credit report? I only had discover credit card and XXXX   XXXX  MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Product: Debt collection

Forster and Garbus, have refused multiple offers and attempts to settle this debt and filed a suit which is currently active, they had been notified that I am going through XXXX XXXX XXXX triggered by the XXXX XXXX in XX/XX/2022 which I have notified the court in writing and XXXX XXXX XXXX and repeated over the phone conversation with XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX XXXX  scan arranged in the first part of XXXX, with one of them on the XX/XX/XXXX, which was one of the court days. I have asked them to arrange settlement last time via signed fax on XX/XX/2022 where I also reminded them not to contact me at the residency address and provided an email and XXXX XXXX XXXX which was the fourth request, once it was via regular mail, second via phone conversation and fourth via judgment response via certified mail. Which are multiple instances of the VIOLATIONS of the 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.6 Communications in connection with debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Debt collection

XX/XX/XXXX Zion debt holding Add their self to my credit report as a debt owed to their company {$3200.00} they purchased it from XXXX. I spoke with a representative who at the time told me they purchased my debt in XXXX. But never contacted me or made an attempt to collect this debt. they also told me that it was a joint contract with someone else I requested they send me the contract and the date they purchased my debt I also requested their physical address so I can take legal actions they refused To give me their physical address. Upon receiving their letter, Zion debt holding purchased my contract XX/XX/XXXX with only my information on it but cover Page has joint name XX/XX/XXXX I was discharged from my bankruptcy XXXX sold my Debt to XXXX XXXX XX/XX/XXXX and they are on my bankruptcy and credit report.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602 states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, partiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801 which states, Its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers, and to protect the security and confidentiality of those customers non-public personal information. These companies that are listed in the attachments on my report are financial institutions by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection c, any customer reporting agency may furnish a customer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions that are attached and the consumer, reporting agencies, Equifax, XXXX, XXXX, do not have my consent to furnish this information, and they surely dont have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these companies ever informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states that Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years. These accounts are adverse items they are reporting without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681c states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, serviced by XXXX, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {$2.00} interest charged on an account paid off weeks earlier. 

XXXX, by XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {$2.00} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, Experian and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {$15.00}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment. 

My account had been paid off for 5 months, then I charged my account {$45.00} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that XXXX has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {$30.00}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX. 

I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {$2.00} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {$2.00} charge on my account. The full balance payment of {$68.00} should have been {$15.00} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {$52.00}. 

I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home. 

Sincerely, XXXX XXXX
Product: Mortgage

Loan XXXX - Request for PIM to be removed Hello, I have repeatedly requested my XXXX be manually removed under the Homeowners protection Act of XXXX and under Hud Guidelines. My XXXX is well under 78 % and can be annually removed. I have attached my home appraisal showing my house value {$510000.00} with value continuing to increase, of my current home loan is {$280.00}, XXXX. 

I refinance my loan in XX/XX/XXXX to my current provider. I have met all Federal and Hud requirements that continue to be quoted as the reason for not removing the XXXX. According to Hud, You can also request to remove private mortgage insurance ( PMI ) from your loan when the principal balance of your mortgage is scheduled to fall to 80 % of the original value of your home. To request cancellation, you must : Make a written request to your servicer Have a good payment history and be current on your payments Certify that there are no junior liens ( such as a second mortgage ) on your home Meet your servicer 's conditions, which may include providing a proof of value appraisal Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$66.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, XXXX, and Equifax that a thorough reinvestigation into these accounts is imperative. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.
Product: Credit card

Im being charged for something I never received and have talk to swiss colony several times as well as emails and nobody will help or acknowledge what, where or how I am being charged, but they have no problem putting this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX.
7XXXX  8XXXX XXXX XXXX XXXX 9XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed 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 falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or 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 XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Disputed the account being in collections due to it being fraudulent. Contacted Wells Fargo and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.