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

I checked my credit file through experian.com. 

There are three late notices on my account that are incorrect. 
One for sure should not be there due to a discharged bankruptcy back in XXXX. 

The other two late notices should also be removed due to XXXX policy. 
Late notices will not be reported if you we're late within the first three years of your account being opened. 

In the first three years they have been contacted I have received extensions and I've exhausted all of the things required. 

I also paid the bills that were due ... 
At this very moment I shouldn't have any late notices ... 

Under XXXX XXXX XXXX which is where I have my vehicle loan. 
The comments area, says STUDENT deferred loan. 

This should be REMOVED due to it being a vehicle loan. 
ALSO I NEVER HAD A STUDENT LOAN. 

I am currently on hold with Experian. I requested the DISPUTE DEPARTMENT. 

The lady who answered my call FAILED to give me her name. So that she could be easily tracked, I will not disconnect and call back! 

She will be the very last person in my account as of XX/XX/XXXX. 


My call begin at XXXX XXXX Pacific Standard Time due to her not being able to assist me, I asked for a supervisor. 

She became angry and placed me on hold. I have been placed on hold since XXXX XXXX   Pacific Standard Time. 

This unprofessionalism is the reason for my complaints today. 

Unprofessionalism from an Experian agent ONCE AGAIN! When all I'm trying to do is protect my credit and personal information. 

There is a bankruptcy on file so there shouldn't be any issues with disputing things that should have been removed when it was discharged. 
Simple corrections or deletions due to errors should also be easily removed. I shouldn't get any grief by these so-called agents. 

There has been no update and I am still on hold with Experian ...

Dispute DEPARTMENT I am sending this complaint right now at XXXX XXXX because that is when someone disconnected my phone call.

So I've held on the phone alone with no update from XXXX XXXX  Pacific Standard Time to XXXX XXXX until they disconnected my call. 

I don't need any apologies, I'm not accepting any excuses, there was no misunderstanding just an unprofessional dispute agent who couldn't do her job!!! 

I asked for a supervisor and never got one!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased two pieces of furniture from Raymour & Flanigan in 2019, at two different times, but both times using a promotional program that allowed me to pay over time and be charged no interest if I paid the balance in full before the due date. Every time a bill came I paid much more than the minimum due, with every intention to pay both items off on time and incur no interest. 

I discovered today that the item I purchased first did not get paid down in time and that I had incurred {$89.00} in interest charges. I called the bank ( TD bank, apparently ) to inquire and they told me that every payment above the minimum was applied evenly to the two items, and that if I had wanted the overage to be applied to the earlier purchased item I would have had to call them and ask them to do that. So notwithstanding that the principal balance on the first item was only {$46.00} and I had paid much more than than over the minimums on each bill my total bill for that item was now {$130.00}. 

I believe that I was the victim of a deceptive business practice, and that they have probably been doing this to a lot of people in order to maximize their fees. I had every right to expect that since I was receiving one bill and making one payment that they would be applying the excess payments to the first-maturing item. That they did not, and instead applied my payments so that they could charge me interest, is outrageous and fraudulent. They failed to clearly disclose that I would have to call them to have them apply my excess payments rationally. To me that's an omission of material fact necessary to make the statements they made about their promotional program not misleading.
Product: Credit reporting or other personal consumer reports

I've tried to access my credit report from Equifax on XX/XX/year> and XX/XX/year> on annualcreditreport.com and I've also contacted Equifax at XXXX. They refused to let me access my free weekly credit reports online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

these late payments i am requesting them to be removed its against the law per 1666b and there is an account with self that does not belong to me and that needs to be removed.
Product: Debt collection

I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. 

I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. 

I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from Jpmcb - Card Service on XX/XX/2019. 

This fraudulent inquiry could affect my score. 

I have not approved this inquiry and it should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2024, I saw that on my XXXX Credit Report that there was a Hard Inquiry that I did not recognize. The Hard Inquiry is from XXXX XX/XX/2024 from a CB INDIGO XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX I called the number and it asked for my XXXX XXXX Social Security number, I did NOT enter it and waited for a prompt to speak to a representative. I pressed one to talk to a representative and it directed me to a promoted saying this a debt collection service I waited on hold but never got to speak with a representative. I called XXXX to report the Hard Inquiry as fraudulent/unauthorized. 

I have never heard of this bank and have never done business with them. I believe this company to be a scam/fraudulent company trying to open credit accounts using my identity.
Product: Credit reporting or other personal consumer reports

I have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

I made a sale on the platform XXXX on XXXX with the proceeds sent by PayPal. PayPal immediately put these funds on hold, offering to release them a day after delivery if I uploaded the tracking info. I immediately provided this info but the funds werent released the day after delivery on XX/XX/XXXX. I was then provided a release date of XX/XX/XXXX which is today but the funds are still on hold.
Product: Debt collection

I am tired of being threatened by these dishonest, and deceitful collection company. They keep calling me and sending information stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified on my V. A. Loan that I rightly deserve please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE MAKING IT EXTREMELY DIFFICULT TO GET A CREDIT REPORT WHAT IS THE PROBLEM WHAT IS GOING ON WHY EVERYTIME I TRY TO GET MY REPORT YALL SENDING ME THRU HOOPS AND SAYING YALL CANT VERIFY ME. MY INFORMATION WAS COMPROMISED IN YALL DATA BREACH AND NOW I CANT GET MY REPORT. YALL HOLDING ME BACK FROM APPLYING FOR A HOME. DO YOU WANN ABE HELD LIABLE FOR ME BEING HOMELESS?? IVE CALLED AND MAILED AND UPLOADED ALL THE DOCS YALL REQUESTED AND I STILL CANT ACCESS MY REPORT TAKE WHATEVER FRAUD ALERT FREEZE THAT IS ON MY ACCOUNT OFF NOW!!!! IT BETTER NOT BE NO NEGATIVE REMARKS OR DERROGATORY ACCOUNTS ON MY REPORT OR YOU WILL BE TAKEN TO ARBITRATION. YOU HAVE FAILED TO DO A REASONABLE INVESTIGATION AFTER I TOLD YOU MY INFORMATION WAS COMPROMISED BUT YOU STOP ME FROM BEING ABLE TO CHECK MY REPORT NOW. EQUIFAX YOU HAVE 4 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the previous letter ( XXXX ) I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. AMERICAN EXPRESS ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian because all attempts failed with XXXX XXXX XXXX to provide validation of the account. XXXX XXXX XXXX sent a letter saying that they will not validate the account. I forwarded the letter to Experian and they still refuse to remove the item from my Credit report. this is in clear violation of the FCRA since XXXX XXXX XXXX to this data has not validated the debt.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from gm financial hit hard times and returned it..never once have i been late now they are reporting us as late because the dealership decided to ground the vehicle late and are telling us they can't do anything for 60 days.. we have submitted proof that we returned the vehicle before it being late they stated they have it. Not only this impacted my credit score but hurts my credit assistance when applying for credit. Gmfinancial should be held responsible if the 30day late payment is not removed immediately I will pursue legal damages.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file.Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

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

I purchased a vehicle ( XX/XX/XXXX ), in which Ally Financial agreed to finance. On XX/XX/XXXX I contacted Ally Financial to inform them that my on-time auto payments were not being reported to XXXX, XXXX and XXXX and I was told it should be reporting within XXXX days ( conf. # XXXX ). After several months of attempting to clarify situation I then continued to follow-up with XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ref # XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX # XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX  And XXXX ( XX/XX/XXXX ), Ira XXXX XX/XX/XXXX ), XXXX & XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ) all on XX/XX/XXXX XXXX In all instances I was told my account should be reporting anywhere from XXXX business days. As of XX/XX/XXXX Ally Financial is still not reporting my on-time auto payments and it has caused tremendous stress, financial strain and the inability to move forward financially.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a vehicle title loan XX/XX/XXXX with Lendmark Financial after deciding to leave XXXX XXXX XXXX due to interest rates and issues I later discovered I would run into the same issue with Lendmark Financial. My loan balance was {$17000.00} monthly payment of {$640.00} ( XXXX XXXX XXXX title used ), so far, I have paid {$14000.00} since first payment with no late payments ever. My balance owed is currently {$14000.00}, totaling amount paid back to the company {$28000.00}. I am requesting termination of this loan due to extremely high interest rate. I am a XXXX XXXX with a fixed income and unable to work. I trusted Lendmark to do the right thing and even asked for more clarification on the loan while I was being serviced on that day. The extra interest fees associated with the account and other pay increases has left me in a financial hardship where my vehicle does not work properly, I am unable to seek a new vehicle due to the high interest rate loan and balance ( XXXX XXXX  or higher ) that is listed on my account. I am for my loan to be terminated due to high interest rates. If unable to resolve or come to an agreement with this issue, I will seek legal counsel for escalation through veteran services.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app. ( Block inc ) .due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund act ( ETFA ) and regulations E. The actions have caught significant inconvenience. And financial loss. And I seek appropriate.redress for these violations
Product: Credit reporting or other personal consumer reports

My current auto insurance company XXXX XXXX is gouging me {$160.00} mo for worthless insurance of XX/XX/XXXX on my XXXX XXXX XXXX with $ XXXX deductibles, no rental car or any other normal benefits included, then harass me and shut me off immediately if I do not pay them the day it is due. I had my payment on autopay and because I am a twice widowed mother and living on SSA widows pension only, I only get paid one time at the end of the month and do not and can not get loans or credit cards. Then when my payment returned is get gouged by them for additional fees and they still shut my insurance off!!! I tried to go on my account and it only allowed me to go to the screen to pay so I XXXX as they said it had to be paid by the XXXX or would be cancelled and I put in my bank information for my checking with XXXX and then they denied me the ability to use it as they said they received a notice from Early Warnings. I know Early Warnings is owned by several of the largest investment banks including my ex employer XXXX XXXXXXXX, all of whom I reported back in XXXX for misconduct and this is the second time they have tried to damage my credit, make me look bad and keep me from doing any business they also have worked behind the scenes to make sure I never got credit or a job in the investment industry again. They are stalking, harassing me and they refuse to take me out of their system. As well I refuse to do business with any company associated with them, they are crooks and liars! I noticed online the CFPB just went after them in the last year for not protecting peoples data. They have false data on my report and refuse to remove it. Why all of the sudden are insurance companies now able to do this? I can not help it if I run behind and my payment returns I dont have tons of credit cards, loans, or a husband and they have doubled our insurance and lowered the coverage since Covid started!! As all of my other bills have!! I also have never had an at fault accident and online two speeding tickets when young and I am XXXX yrs old, yet they are making me pay high risk rates!! The same goes for Early Warnings and the credit bureaus they have continued to ruin my credit, kept me in subprime loans since I reported them!! They are all working together to get revenge on those who refuse to use credit and those who file complaints and report their misconduct!! They had lies on my report about my XXXX account and when my lawyer and I contacted XXXX about it they denied having any record of what they have on the file they have in me!! I only have my XXXX XXXX XXXX ( paid perfectly ), my car loan ( paid perfectly but two months 30 day late ) and a couple of low bal cc under {$800.00} ea and two small loans under $ XXXX that charged off after I was taken off work by my XXXX  for XXXX XXXX XXXX XXXX XXXX XXXXs from my job at the State of IL, since then I am now semi retired. All of my loans have always been paid on time and I had perfect credit prior to getting sick. But I was off work on unpaid XXXX do fell behind once my savings was used up in the last couple of months!
Product: Credit reporting or other personal consumer reports

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 I filed DTR on XXXX due to fraudulent employment claim and unaccredited school. ( XXXX ) Received letter of approval. Loan is still in my credit file. Please remove inaccurate data. Contact XXXX in Virginia. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo opened a fraudulent checking account in my name. After opening a identity theft case with them they have been unwilling to give me any details as to how this happened. In addition to allowing someone to open a new account in my name, they then apparently automatically updated all of my existing accounts contact information with the fraudulent information. It appears as though they have no identity theft protection or no dual authentication process in place. They are unwilling to give me any information as to how this happened. When I do call them, they send a text with a security code before they will speak with me but they will allow someone to open a new account and change account information with no security protocol. Given how secretive they've been with any information on how this could have happened it makes me wonder, Could this be another case of Wells Fargo representatives opening fraudulent accounts in their customers names.
Product: Credit reporting or other personal consumer reports

Experian took an account I had for 15 years off my credit report when all I wanted was it said had been late 1 in 5 years. I hadn't been late. They took it off my whole credit report bringing my credit down a whole lot. Because I had had that acct for 15 years. It really is hurting me I can not get a loan because it brought my credit score so low. Please fix this and add it back to my credit report it has brought my report down like XXXX points or more by this mistake Thank you XXXX XXXX
Product: Bank account or service

I opened a new bank account with Citizens Bank back in XXXX. On XXXX XXXX, XXXX they debited {$400.00} from my account, leaving me with only {$110.00}. I had bills and other things scheduled to come out of my account. I called to find out what it was and they told me that it was a charge off account from XXXX. I have never had an account with Citizens before. The XXXX number customer service, was not very helpful. In fact they were very rude. I was very upset about the whole situation. They told me there was nothing they could do and i could go into the branch and file a complaint/dispute. I went into the branch and found that Citizens had bought out Charter One. Back in XXXX, I would have a balance left owed to Charter One. Since opening the new account, i have not received XXXX notification, phone call or letter stating I had a charged off account with them and they were going to automatically debit my account. I wasnt even offered a chance to make payment arrangements. I understand it is my debt from 9 years ago and it something I owe. However, i feel its very deceptive to allow someone to open an account and then 4 months later without any warning or notice debit {$400.00}. I did file a dispute on XXXX XXXX, XXXX and still have not heard back about it. In resolution, i would like my money back and then set up payment arrangements. I had to borrow funds to make sure my bills were paid and i was not going to miss those payments.