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

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX  Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF EDXXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$610.00} - Date Opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$890.00} - Date Opened : XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I had interest charged to my account after I paid the full amount due, after which a {$1.00} interest charge was added to my account, unbeknownst to me. As such, when the next billing cycle came around that {$1.00} was still due, thus taking it over the 30 day mark and the Target Card Corp. reported that to all three credit bureaus. They reported it initially as {$100.00} past due, then it changed to {$1.00} past due. I filed a dispute with XXXX and the result was Target Card updated the late amount to {$28.00}. If they MUST report it, the correct amount should be reflected which is the {$1.00} interest charge. 

I think it should be against reporting policy to report any amount under {$100.00}, this {$1.00} reporting has dropped my credit score down several points ( 20 ), this is unacceptable. 

I have since paid the account in full, and closed my Target Card, and will never shop at this store again because of this! This is not okay and should be removed from my credit file, if not removed updated to reflect accurately information. Mind you the credit limit on this card was a nominal {$300.00}
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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 XXXX  days before the payment due date. This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  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! Delete the late payments from my consumer reports.
Product: Consumer Loan

I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.
Product: Checking or savings account

I opened a checking account with Chase Bank because they sent me advertisements telling they would give a {$200.00} bonus if I opened a checking account and moved a direct deposit over for {$500.00} or more. I funded the account on XX/XX/XXXX and had my employer start depositing {$500.00} per pay check. The first payroll went in on XX/XX/XXXX. The original solicitation stated the bonus would not be paid until 10 business days after direct deposit. Today my 3rd direct deposit was funded and I still have not received the bonus. I called and talked to a representative and then a supervisor today asking when the bonus would be given. They said the coupon code was not properly applied and they would not honor the promotion. I did what was requested to open the account. I maintained the {$1500.00} minimum balance before and even after my direct deposit was sent over. I brought my direct deposit over. They should have to honor the solicitation then advertised, I literally clicked the link and opened the account. There technology issue should not absolve them from the incentive they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX charged off a credit card. 

the XX/XX/XXXX credit report shows this. 

XX/XX/XXXX and XX/XX/XXXXcredit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX, XX/XX/XXXX these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up
Product: Credit reporting or other personal consumer reports

ML Zager performed a hard inquiry on my credit report today XX/XX/2023 without my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed out of {$210.00} for a social media repair. The person took the money and never performed said serves. They are refusing to refund my money and also are demanding more cash
Product: Mortgage

They called and I called them back and have not heard from them since. They transferred my accounts to a company that has a worst standing then they do and I 'm not happy. When I called the new company XXXX they told me ASC transferred XXXX account which is my XXXX. My XXXX has been written off and I was paying my monthly mortgage and I 'm continuing to pay it monthly. I ca n't refinance my mortgage because they wrote off my XXXX and I was paying, they were holding my payments for two months and when I called them to say why are not posting my payments, they kept giving me the runaround, like they are doing with you by not giving you an answer why they wrote off my account. 
Wellsfargo/ASC are crooks and I want my XXXX in good standing so I can refinance. 

In progress Response We 've been unable to establish contact with our customer, XXXX XXXX. We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.
Product: Debt collection

I recieved a letter from I.C. Systems Inc. claiming to be a collection agency XX/XX/XXXX. I never owed XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX ) XX/XX/XXXX as claimed. I went to the gym to start a membership however they charged my credit card without my knowledge, I disputed with my credit card and the charge was removed. I never recieved any other information regarding this transaction and never went back to the gym. This is a fradulent claim that I owe {$530.00}. The owner of the gym is dishonest trying to take advantage of people looking into gym meberships.
Product: Checking or savings account

Td on line banking is NOT complying with real time banking They're continuely showing my credits/debits later then the dates they actually happen. I have screen shots that do NOT match account information. I have atm receipts that do not match same time/ day as screen shot of on line banking. I have XXXX  XXXX   statements that show the tolls were pd days before they show up ( I am enrolled in instant payment ) I have receipts from gas stations that show up on line days later ( they're not letting you go on the turnpike if you haven't pd lol ). I have monies sent out through the bank, with XXXX, on the XXXX shows up on line the XXXX ( instant electronic transfer. Received ) My wife gets pd every 2 weeks ( XXXX & XXXX ) from XXXX XXXX. Direct deposit XXXX makes sure that the check is in the bank on the XXXX. We have received an overdraft fee because something was purchased at XXXX XXXX  on the XXXX. ( Fee was listed as debit card authorization. Not the 1st time ) when I questioned it I was told that it didn't post untill XXXX ( according to XXXX direct deposit the check is available at XXXX XXXX ) They hold sales ( vendor pd, taken from account ) and dump everything at once. This usually happens on weekends and holidays While the account in formation is accurate the on line banking isn't causing me a large amount in overdraft fees ( and I am not alone ) I have tried to resolve this with the bank many times and am stonewalled or put on hold. I have tried other govt and outside agencies and everyone seems to be afraid of a bank. Hopefully you can help. I'm not alone in this and it involves millions of shuffled dollars I believe that it is not legal for banking on line platform to not accurately show all banking immediately. It's called real time banking I'm sure it will be explained as a temporary problem ( I have a mass email from c.e.o. saying sorry temporary glitch in on line 6 months ago lol ) This shouldn't be allowed to go on but it's a bank so it will
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Federal law, The bureaus have 30 days to complete there re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 day of the completion. These are the companies ( XXXX  ), ( Equifax )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Fraudulent Account Opened in My Name Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that was opened in my name with XXXX XXXX XXXX XXXX The details of the account are as follows : Account Type : Secured Loan Date Opened : XX/XX/XXXX Account Status : Current ( as of XX/XX/XXXX ) Balance : {$2500.00} Payment Status : Current I did not authorize the opening of this account, and I believe it was opened fraudulently. I have attached a copy of my credit report showing the account details for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report. Specifically, I am invoking the provisions under Section 605B of the FCRA, which allows for the blocking of information resulting from identity theft. 
Please find attached the necessary documentation to support my claim, including a copy of my identity theft report and any other relevant information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX Entry on Credit Report Dear Sir/Madam , I am writing to dispute the XXXX listing on my credit report associated with the case number XXXX, filed in the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ). This entry has been verified but has not been properly substantiated with evidence as required by law. 

According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information on my credit report is accurate and verifiable. Since this XXXX listing has been verified without providing me with sufficient documentation or evidence to confirm its validity, I request that it be immediately removed from my credit report. 

Please provide me with proof of the XXXX filing, including any official documents or verification that you relied upon to substantiate this entry. If you are unable to provide such proof, I expect this item to be removed from my credit report in compliance with the FCRA. 

I Also included XXXX different copies from XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX providing evidence they dont communicate with debt collectors or credit agencies verify information, so the information was not verified to me or our pursue legal action. 

I would appreciate your prompt attention to this matter and a timely resolution of this dispute. Please confirm in writing the actions you have taken within the legally required time frame. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The house went into foreclosure. It sold without The second mortgage excepting any offers. Now that the first mortgage is gone the second mortgage refuses to take a settlement theyre ignoring any documentation I send in to settle the account they continue to report it as a late payment going on three years now. I hired a credit repair company and this account does not change it wont budge continues to report a late payment. The late payment is only submitting to XXXX and XXXX.
Product: Debt collection

I received medical services from XXXX XXXX XXXX on XX/XX/2019. I was charged a total of XXXX ( my co-pay/co-insurance ) after my insurance plan paid and processed the claim. I paid in installments. A balance of XXXX was paid in XXXX. Check number XXXX was cashed on XX/XX/2019 by XXXX XXXX. 

On XX/XX/2019, I received a voicemail message from debt collector, Balanced Healthcare Receivables ( XXXX ) regarding a debt. I also received a letter the week of XX/XX/2019 requesting payment in the amount of XXXX. I then received more calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/2019, I called and spoke to XXXX in XXXX XXXXXXXX XXXX Legal Department-XXXX or XXXX. She confirmed a balance of XXXX on the account. I informed her of the XXXX call from the debt collector and requested a letter in writing regarding the account and that Balance Healthcare should be contacted regarding said balance. She stated a letter will be sent and should be received in about 14 business days. On XX/XX/2019, I spoke to XXXX re : letter that was not received and my conversation with XXXX on XXXX and the additional calls made by the collector. She said to wait until XXXX to receive the letter. I leave a voicemail message for XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX again. I am more than frustrated now. I reminded her of our conversation on XXXX and all of the above. I clearly state that I am now being harassed for a debt that was paid. She claims that the letter will be mailed on XX/XX/XXXX and that it should be received in 5 days. On XX/XX/XXXX, XXXX, of Balanced Healthcare Receivables ( XXXX ) leaves another voicemail message regarding her attempt to collect a debt!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with XXXX, Equifax, and XXXX. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit File : XX/XX/XXXX Confirmation Number # XXXX CFPB Complaint # XXXX XXXX XXXX XXXX XXXX is not showing on my credit report as stated by Equifax there was no reply back from Equifax since XX/XX/XXXX needing more time So what is XXXX XXXX XXXX XXXX saying on something not on my file.
Product: Debt collection

Multiple calls trying to collect a debt that is not mine. Debt was incurred in Illinois and I explained to them that I have never been to Illinois. There response waswell your name is XXXX XXXX to which I responded that there are many XXXX XXXX. 

They asked for personal information which I refused to give them in attempts to avoid identity theft or scams. 

Very unpleasant and unhelpful and the women basically just hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL FTC VIOALTIONS ATTACHED AND FILED TO THE FTC ABILITY RECOVERY SERVICEDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute Show 5 More Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 47 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 17 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 23 hard inquiries Not Disputable Online. Details Public Records show tooltip button Bankruptcies No public records reported
Product: Debt collection

I am filing a complaint with financial assistance in reference to a collection they are trying to collect for XXXX XXXX XXXX. I have already reported to them that this debt is a result of Identity theft and have been working with a fraud investigator names XXXX XXXX. I have sent in all of the documentation that was requested to resolve the fraud and get this account removed from my file, and to no avail have been able to get this matter resolved or even reveille a call back from them. 

I have attached all of the emails showing the prior complaint with CFPB which they lied and the emails with XXXX XXXX and I will show they mis lead me and the CFPB.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXXXXXX XXXX XXXX. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, several fraudulent accounts have been added to my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report.

Fraudulent Accounts : 1. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} 3. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} 4. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} 5. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 6. XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} 7. XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} 8. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} 9. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} 10. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} 11. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} 12. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00}