23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a report on my credit report that I am XXXX days late on my XXXX account. I am NOT late and I have a letter stating this. I dont know where you are getting your info. But this needs to get taken off my credit report. Its damaging my credit and my husbands.They said they DID NOT report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete immediately !
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Enclosed below are the accounts that I have marked as inaccurate : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in letters to XXXX and Experian disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the report.
Product: Checking or savings account

I had account with Wells fRgo the claim they frozen my account there was over {$4000.00} in my account they frozen it I don't know why they was mean about it
Product: Debt collection

On XX/XX/2024 I received a debt collection call from Assetcare at XXXX. This was very distressing being contacted in the middle of the night. I will also be filing a complaint with my attorney general.
Product: Credit reporting or other personal consumer reports

I am writing to complain about the fact that I have contacted XXXX, XXXX and Experian Credit Bureau on several occasion about improper reporting of information in my credit report, but the problems continue. There are multiple violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations under the following sections of the FCRA : 15 USC 1681b, 15 USC 1681, 15 USC 1681a ( 4 ), 15 USC 1681n, 15 USC 1681e ( b ), and 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I am not able to contact this institution. 


" Cornerstone was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to FedLoan Servicing. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding multiple discrepancies and inaccuracies in my credit report as reported by XXXX and Equifax with an account reporting on my credit. These discrepancies are negatively impacting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following inaccuracies between the XXXX credit reporting agencies : XXXX. Account XXXX : XXXX : XXXX XXXX Equifax : No information provided XXXX. Number of Months ( Terms ) : XXXX : XXXX  months Equifax : XXXX  months XXXX. Payment Status : XXXX : Late XXXX  Days Equifax : Late XXXX  Days XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX2020 Equifax : XX/XX/XXXX2018 XXXX. Date of Last Payment : XXXX : XX/XX/XXXX2018 Equifax : XXXX/XXXX/2018 XXXX. XXXX-Year Payment History ( XX/XX/XXXX2022 to XX/XX/XXXX2024 ) : XXXX : XXXX  days late consistently Equifax : XX/XX/XXXX to XX/XX/XXXX : XXXX  days late XX/XX/XXXX2023 : No data provided XXXX 2023 to XX/XX/XXXX2023 : XXXX  days late XX/XX/XXXX2024 to XX/XX/XXXX2024 : Current XXXX 2024 : No data provided XX/XX/XXXX2024 to XXXX 2024 : Current XX/XX/XXXX2024 : No data provided These inaccuracies present a total of XXXX distinct reporting errors. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must report accurate and complete information. The inconsistencies listed above clearly demonstrate that either XXXX or Equifax is not fulfilling this obligation. 

On XXXX/XXXX/2024, I disputed these inaccuracies through the CFPB, and both Equifax and XXXX responded stating that the account is verified as mine. However, they continue to provide inaccurate information on my credit report. This ongoing failure to correct the discrepancies has caused significant harm to my creditworthiness. 

I am requesting an immediate investigation and correction of these errors. I demand that the Consumer Financial Protection Bureau ensures that both credit reporting agencies rectify these discrepancies and provide accurate and consistent information regarding my account. If accurate and consistent information can not be obtained, I request that this account be removed from my credit report. 

Furthermore, I would like to be updated on the steps being taken to resolve this matter and the timeframe in which I can expect these inaccuracies to be corrected. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted. 
from an alleged identity theft, not later than 4 business days after the date of receipt 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. 
reporting agency can not furnish an account without my written. 
Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX  and XXXX XXXX it was reported that I missed a {$5.00} payment on my target credit card. The fee 's then amounted to about {$200.00} without any of my knowledge. Automatically, my credit score dropped from 760 to the 680 's because delinquent status. I contacted target and their vice president, but they weren't able to do anything. I'm in XXXX school and my credit score is low. I was wondering if these marks can be removed. I missed 3 low payments and I want to buy a home soon, but I'm afraid my credit score won't do me any justice. I have made all other payments, but this one mistake caused me to have a low credit score. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In the last few months I have noticed a tricky/sneaky change done to the way payments are processed. Citi has two date " cut-off 's '' - one is the date which the minimum payment is due, and then the other one is the date which is considered the close of the statement ( i.e. interest, fees, etc. are calculated & a new statement begins the following business day ). These two dates are normally separated by 2-3 business days. 

I normally pay the minimum payment immediately after receiving my new statement. Then I like to pay off the card in full prior to the close of the statement, that way I avoid being hit with interest charges. In the past I was able to schedule the payment any day except the final " close of statement '' date. However, lately they have prevented me from paying anything between the " minimum payment due date '' and the " close of statement '' date. They also are taking longer to process payments to shops, etc. ... all of this has the effect of essentially locking me out from paying off the card in full as I am unable to pay anything that is not " posted '' ( i.e. pending/processing charges can not be paid ) at least a two or three days prior to the minimum payment date. This means that I basically have a full 1 week window in which I can not charge anything to my card if I want to ensure I get a XXXX balance going into the next period. 

This is NOT business as usual. It is a change which occurred within the last several months. Prior that time, payments to shops would be processed & cleared within 1 day and payments could be made any date except the final " statement closing '' date. 

I wanted to send an email to Citi regarding this scam/issue but the website has removed the possibility to send messages and instead requests only that you " chat '' or call on the phone. I assume this is to limit the paper trail which could be used in a court of law. 

I am hopeful that something can be done to correct this abuse & fraud.
Product: Credit card

I was scammed and the salesman knew there is no way I would hv agreed to paying to separate companies for alarm systems I sent a copy of my socia security card with my signature on it please compare
Product: Credit card or prepaid card

XX/XX/2021 - I got a credit from " Chase XXXX Marriot '' with the promise that every single point received from my purchases would be transferred to my Marriot XXXX, where I could convert the points into stays at any Marriot or affiliated hotel or resort. More than one year has passed. I earned XXXX points in the past years from the Chase credit card, which was never transferred to the Marriot XXXX account # XXXX ( that shows just and still XXXX points ). Several attempts by calling customer service to both companies to fix that was made, with no success. I just want the points to be transferred so I can redeem the points on Marriot XXXX.
Product: Credit card or prepaid card

I have continued to have a credit card only relationship with Wells Fargo for the past 10+ years. During this time I have had automatic monthly payments scheduled to pay the full amount due on the first part of the month. 

Recently I opened a bank account with Wells Fargo on XX/XX/20. Additionally, I set up additional bank accounts for third-party bank transfers. Somehow on XX/XX/20 my existing automatic payment with a third party bank for my Wells Fargo credit card was cancelled. Because of this cancellation I incurred a late fee as well as a late interest on my credit card. I paid the balance in full for the previous statement and called to speak to a Wells Fargo credit representative to have the late fee waived and they are looking to potentially reverse any accrued interest I may have received. However, the option to setup monthly payments for my credit card is no longer available from my Credit card account. The only payment frequency that exists now is one time and the rest have disappeared from the website. 

I spoke with the credit card services department as well as online banking to explain to them that this is a serious issue to have removed the automatic monthly payment option now that I have added a new checking account. The only option I have now to automatically pay my credit card each month, outside of sending them a paper form to setup automatic payments again from my third party bank, is is to enroll in their online bill payment program and have my credit card paid using this option. This is unacceptable and appears to be an abuse to force users to not only enroll in their bill pay service, but I believe it was in fact Wells Fargo who cancelled my automatic payment once my checking account was created which caused me to incur a late charge and fees for that month.
Product: Money transfer, virtual currency, or money service

I received a letter from a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX ) telling me owed Paypal {$2200.00}. I never received any communication from Paypal about this at all. I checked my Paypal account, and there is nothing in it to indicate that I owe any money. I only used the account every once in a while to pay for something with a credit card. My account wasn't even hooked up to a bank account. Upon calling Paypal ( I spent over 4 hours on 2 separate calls ) I learned that there was an account with my name that owed the money. I learned the email address on the account was not my email address. Upon speaking to the collection agency, I learned that they found my mailing address from sources other than Paypal, and that the phone number on the account is not my phone number. Paypal refused to resolve this issue. I explained everything to the collection agency and was told everything should be fine. I closed my Paypal account ... though I'm not sure they really let you close it completely. I never got any resolution from Paypal. They transferred my from department to department where I spoke to people all over the world ... but no resolution. Companies should not be allowed to do this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my XXXX XXXX account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from Security Credit Services . In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called Security Credit Services. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, XXXX XXXX XXXX. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX XXXX, XXXX headphones and couple of other things. She said I could dispute the account at info@securitycreditservicesllc.com. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and Security Credit Services to the XXXX XXXX XXXX. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to info@securitycreditservicesllc.com. Which I did. 

XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.
Product: Credit card or prepaid card

I have over 8 late payments reflecting on my credit card. I never paid late. I always had a extension or forbearance I spoke to reps before who were suppose to update information. Shortly after my account got closed out without allowing a option to do anything. Despite their being a recorded conversation we're reps clearly stated the problem that occurred. I begged them to re open account but they didn't. They should of honored the conversation cause I was completely mislead
Product: Debt collection

The Rashford Law firm has called me multiple times about a debt that is not mine. The Gentleman has also called my place of employment and harassed my employees about verifying if I work here.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I would like for this to be removed under the consumer fair credit program
Product: Checking or savings account

I have a Truist bank account that I only really use once in a blue moon, because my parents can quickly transfer funds over in case of emergency. I transferred {$4500.00} into the account on XX/XX/XXXX, and attempted to use those funds to pay a XXXX bill. The payment was bounced back twice ( most recently on XXXX, I believe ), with the reason given that the account had been closed. If I log in to Truist 's website, my account shows an available balance of slightly over the deposited amount, and makes no indication that the account is closed. 

I spoke with Truist customer service today ( XX/XX/XXXX ) and learned that my account had been placed in " inactive '' status due to me not using it for over a year- which is probably true except that I had successfully deposited {$4500.00} last month - and the ONLY way for me to remedy this would be to physically walk in to a branch and request a temporary debit card. The nearest physical branch is three states away, so obviously this is not an acceptable solution. Truist has effectively deprived me of several thousand dollars. I'd be fine with it if the inactive status didn't let me transfer the money in the first place. I'd even be okay if I had to call and have someone manually override the system. But this is unacceptable.