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

I told them i would give them my bank information when i needed to make a payment. They said that would not work and they needed to keep my bank information on file so they can charge it when they needed too. Im nlt comfortable with that and would just go through another credit repair company but it seems they have some sort of monopoly with the credit companies and an unfair advantage which is why i am filling this complaint
Product: Credit reporting or other personal consumer reports

After discovering my consumer file had been used to apply for numerous auto loans for several days, I mailed dispute letters to the credit bureaus. Their response was the inquiries were factual and they had permissibles purposes. However, these companies use the E-Oscar system as verification and did not give me an investigation as required. Per ( 15 USC 1681b ) If a creditor must have permissible purpose and without permissible purpose it is aggravated identity theft ( 18 USC 1028A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

I have been corresponding about issues with my account that initiated with XXXX and then was transferred to their partner, SPS. I adamantly requested detailed information as to why my original payment amount with XXXX increased several XXXX dollars per month and received no answer. Subsequently, incorrect information was reported to credit agencies because of the inability to get answers. At the time, I did not know about CFPB so I am now requesting this information at a later date. This information was never provided. I have made payments every single month and promptly every single month yet XXXX and now SPS both incorrectly report information regarding my account ( XXXX held my payments to thereby claim that my account was past due rather than providing requested information given the error regarding my escrow ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Experian the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of a personal auto loan ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXXXXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.
Product: Debt collection

XXXX could not provide service in zip code XXXX and told me to change carrier .They gave me settlement figures to pay off phone and close account. 
I moved to XXXX .Then later after some time XXXX charged another {$130.00} and put collection s on my credit report .They can not explain charge .They do n't care and lack honesty .They are too big and important to sort out small problems.They are just greedy for money
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian for a XXXX XXXX Colllections account, from XXXX XXXX XXXX XXXX, in the amount of {$5700.00}. The debt is inaccurate and is being litigated. I first filed the dispute, and provided the legal complaint documents as proof of litigation, to Experian on XX/XX/24. After calling on XX/XX/24 for status of my dispute, I was told my claim was not being processed, even though it was 2 days away from their legal 30 day mark to have a finding. I refiled on XX/XX/24. Today is XX/XX/24, over 30 days has past. Their legal 30 day time frame to give a finding on my dispute has passed twice now. They are actively ignorning my dispute. My dispute still has not been corrected by Experian and they have failed to send notice to me of findings or to the other credit Bureaus of the inaccuracy of the collection account. Experian is illegally refusing to process my disbute and remove the debt account.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX and Early Warning both continue to report fraudulent and damaging information in my consumer reports in their systems. My identity was stolen. It has been years and it seems every year Im finding more information to ruin my credit. There are accounts listed on my reports that were opened fraudulent using my stolen drivers license. You all have accounts listed in my report that arent even my social security number. My XXXX report has been locked since XXXX yet I find out there are bank accounts that were opened in XXXX which I dont understand because I didnt authorize them being opened. Per the FCA all information in my report that is fraudulent should be removed and blocked. I will be attaching my FTC report. I bank with XXXX XXXX right now and they have my accounts restricted because they stated they found another with my information and I didnt have knowledge of they also stated there were several accounts with my name and birthdate but different social security numbers. I am now having to fly out to a branch to verify my identity so my account can be verified. Had this not happened I wouldve never known about this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

The incident occurred on XX/XX/XXXX when I tried to use my BMO XXXX to pay at a grocery store when it was rejected. When I called BMO they said my card was cancelled and would not give any explanation. They also said I was sent a letter to that affect but I did not receive a letter until 12 days later dated XXXX. I had been a customer for many years with an flawless payment history. The BMO representative was not able to provide an explanation other than " they can do it ''. Not only was the incident embarrassing I wonder if I had used it to set up automatic payments- it could have been very troubling. In addition I asked about the rewards balance that I am entitled to and was told that it was below the redeemable minimum. So they get to keep it and that to me is stealing!!! for sure they are highly unethical.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report for Account : XXXX XXXXXXXX Dear Credit Reporting agencies, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries associated with my account : XXXX  XXXX. These inaccuracies do not accurately reflect my credit history and have unjustly impacted my credit score. I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries for this account that are erroneously reported. These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiries for the above-referenced account from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX Enclosures : [ Copy of credit report highlighting the disputed inquiries, if applicable ] Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX  account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation that should take at least " 30 days according to the law '' as they should because if they did, they would've known that this was a factual account with over 10 months positive payment history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on both bureaus and i have all the proof in the attachments below
Product: Credit reporting or other personal consumer reports

These 2 corporations are reporting on my account XXXX and XXXX XXXX which XXXX charged off and a account meaning they sold the account to another corporation, Ive asked XXXX, Equifax and XXXX to get the following information from these corporations including a contract with my signature of me authorizing giving these companies consent to report my name and social security number to anybody. Im simply asking these bureaus to cease and desist and send me a personal letter explaining they complying to this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank another account opened crossing my info wrong fraud this acct XXXX PayPal. 
Also XXXX XXXX XXXX account I have filed Fraud with my County and XXXX XXXX XXXX reports of Identity Fraud Theft. Some accounts have been removed. These are a few as of now Im doing my best to get info and recognize the Fraud. Thank you
Product: Credit card or prepaid card

I had a club calson hotel credit card with US bank for many many years, with a credit line of XXXX dollars, which I believe I deserve more but since I did not use it I never request any credit limit increase. 

Recently due to operational issue they mandatorily tried to shift my hotel credit card to USBank triple cash visa, as by that change from what I consulted I will loose all the welcome offer, I had chose to close my account and re-apply for the triple cash. 

Please be noted that so many years since my small business established I had never missed a payment and without any default events, so did my personal credit profile. If I reapply, I should be able to get a credit line of more than XXXX dollars. Then eventually approved for only XXXX dollars for my new application and I requested for the credit line increase and they rejected it for the following reason ( from the letter ) : 1. High balance on existing accounts That does not make sense as I have small business credit profile for so many years, 7 years at least and I constantly carry balances with my credit card, even with USbank club calson card when they have transfer promotions, it's a common financial tool should not be considered as risk. In addition, I have perfect personal and small business credit profile. What's more, during the pandemic, it makes great sense for a surviving small business to carry some balance but not default on you right? Most of companies provide great tolerance on these days, can not imagine they are being tougher.

2. Account recently opened.

3. Need 6 month payment on this account.

Above 2 reasons makes no sense at all, during communication with their customer service I specifically refer to my old closed accounts have XXXX dollars credit line and had flawless payment history. By the way what does 6 payments in this account mean? Is that the way to view a credit profile? Other payments from credit bureau does not account? Only the balance on other credit card from credit bureau counts? 

Another bad thing about this is, which is very bad, on their welcome offer, they said 2 specific benefit which attract me, one is the spending of XXXX dollars to get a XXXX dollars cash back, and the first 15 month of promotional XXXX interest period, on top of which they gave me only XXXX dollars, it's not acceptable. They are ruining my benefit by limiting my credit line for unacceptable reasons.
Product: Vehicle loan or lease

I have my auto loan with capital one since XX/XX/XXXX and i never been late and they show i was late once in XX/XX/XXXX late and my credit shows late payment. this is there own processing error i have never been late and i explain it to them and they wont remove this late payment from mine and wife XXXX XXXX credit report. i want them to remove this late payment from both of us credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is back in XXXX  XXXX XXXX I had a checking account did they closed or stop deposits anyways prematurely and it caused me to have an account go negative into a way where the credit agencies marked my credit so bad I'm still recovering XXXX  years I'm still recovering from that credit XXXX. And so back in XXXX XX/XX/XXXX they cut me a check for {$150.00} and said they were sorry I'm not accepting that I mean I did cash check cuz I'm severely needed cuz of XXXX XXXX I wouldn't know but I did they did that rather quickly and they're the ones that initiated it they found the wrong and I think that they've done more damage than {$150.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXX XXXX  XXXX account # XXXX for XX/XX/XXXX. The payment due date for this account is the XXXX of each month, in line with the original account opening date of XX/XX/XXXX. The payment in question was made on XX/XX/XXXX, which is well within the 30-day window. As such, the late payment remark for XX/XX/XXXX is incorrect and should be updated to reflect that the account was never late, or it should be removed entirely. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The refusal to correct this clear inaccuracy, despite the evidence provided, constitutes a violation of this provision. Additionally, 15 U.S.C. 1681i requires that credit bureaus reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Reporting a late payment that was made within the required time frame is misleading and damaging. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The incorrect late payment reporting for XX/XX/XXXX, despite the payment being made within the acceptable window on XX/XX/XXXX, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting that you instruct the credit bureaus to update the late payment remark for XX/XX/XXXX on my XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX to never late or remove the remark entirely. Additionally, I request an updated copy of my credit report reflecting this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX
Product: Mortgage

Our loan officer at Mortgage Lenders of America disclosed our family 's bank account balances, our income, credit issues, and other private financial information to our realtor WITHOUT our consent. Then, his management basically did everything in their power to discourage us from moving forward with our home loan causing us to miss our closing date, forfeit our earnest money, appraisal costs, and moving costs.
Product: Credit reporting or other personal consumer reports

Back in early XX/XX/2023, Submitted a Dispute to all 3 Major Credit Reporting Agencies, ( XXXX, XXXX XXXX Experian ) as it pertains to the Unlawful & Malfeasance practices of XXXX XXXX XXXX ) I requested that Credit Acceptance be investigated for their Usurious Rates and Verify that the State of Ga Attorneys General 's office is currently Suing this Company for Fraudulent & Misleading Business Practices. 

XXXX removed XXXX XXXX XXXX from my report, but, Experian and XXXX failed to address matter, I believe neither agency hasn't addressed or investigated this pending issue,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the XXXX  loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you
Product: Credit reporting

I closed an account with XXXX in XX/XX/XXXX, and did n't realize I had an outstanding balance. In XX/XX/XXXX I pulled my credit to check up on it and discovered the XXXX balance was put into collections and on my credit report. I immediately called XXXX and paid off the full amount of the balance on XX/XX/XXXX. 

The Balance fell off my XXXX and XXXX credit reports within 30 days, but still showed on Equifax. Since then I have disputed it at least a half dozen times. Contacted the collection agency XXXX used, XXXX, and they assured me they reported it to Equifax that the balance should be {$XXXX}. But each time the dispute comes back as a verified balance. 

On XX/XX/XXXX I spoke with a compliance officer at XXXX and she sent me a verification letter to send to Equifax to prove there is no longer a balance on the account. I submitted another dispute and attached the letter. On XX/XX/XXXX I got the results back from the latest dispute, that dispite the letter, Equifax claims they confirmed with XXXX that there is still an outstanding balance. 

I called XXXX after getting back the results, and spoke with the compliance department once more. They stated they never got an inquiry from Equifax to verify the letter and balance on the account. 

Equifax is clearly not properly investigating this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed several items and information that I did not authorize or have knowledge of. These fraudulent items must be removed from my credit report immediately, as per FCRA Section 605b. I have filed a CFPB complaint and provided the necessary documentation to support my claim. I need the following items investigated and removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, MD XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to clarify that I did not open or give authorization for these items to be listed on my credit report. As stated in FCRA Section 605B ( a ), the credit reporting agencies are required to remove any information listed on an ID theft report, and I have filed such a report with the FTC. I expect these fraudulent items to be removed from my credit report within four business days of receipt.