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

I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Product: Credit card or prepaid card

I opened a Bank of America Travel Rewards Credit Card in XX/XX/2018. They had conditions when opening a card, if you spend {$1000.00} ( in stores! ) for the first 3 months of use, you will get XXXX bonuses. As a result, I spent {$1000.00} for 3 months but did not receive bonuses! Fake information on the BofA web-site and on the terms and conditions of the credit card luring customers to open your cards?
Product: Checking or savings account

I don't know the date that that the account was opened, because neither the bank nor XXXX XXXX will give me any information regarding the account, including but not limited to, account number or date account was opened. What they DID tell me, is that the account was opened WITOHUT a photo identification or signature and that over {$1000.00} is owed. I have spoken to the corporate office, XXXX XXXX, and I have even gone to the branch where the account was opened, on many occasions, but to no avail, no resolution was given to me as to how to resolve this fraudulently opened account, besides paying it.I feel that I was discriminated against because of my color, gender AND age.
Product: Credit reporting, credit repair services, or other personal consumer reports

After completing an investigation to an alleged bankruptcy record. Equifax certified that the record was " Verified as accurate ''. I have contacted the data furnisher ( XXXX XXXX ) for an updated consumer report showing no bankruptcy record. Please see the attached full consumer report dated XX/XX/2022, page 52 under " Bankruptcy Records ''. In addition to this new file, I have attached the letter from the Bankruptcy Court who has certified that they " Do not report filings to CRA 's ''. I am demanding the removal of this record in accordance with 15 US 1681i. Equifax has failed to provide proof of the accuracy and completeness of this record, and therefore it must be removed. Equifax claim of " verifying '' this record with said data furnisher ( XXXX XXXX ) has been proven to be false.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX Balance : {$0.00}
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 Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian recently dropped my credit score XXXX points stating I had opened a new credit account but that is not true and I tried to speak to a live representative about it but their automated system refused.
Product: Credit reporting or other personal consumer reports

This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by XXXX XXXX my credit report. Over 20 late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : XXXX has inaccurately reported over 20 late payments for my auto loan account to the credit bureaus ( XXXX, XXXX, and TransUnion ). These late payments are not accurate, and XXXX has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both XXXX and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), XXXX  is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from XXXX to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without XXXX cooperation.
Product: Credit card or prepaid card

Capitol One double charge me interest. I paid my account balance in full, and in their own words they used the interest from the last two months to charge me new interest. I have the screen shots of the conversation to back this up. This violates the CARD Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau XXXX, .XXXX, Experian. Need your help please to resolve this issues.
Product: Credit card or prepaid card

First Progress XXXX XXXX XXXX XXXX XXXX  TN XXXX. XX/XX/XXXX I applied for secured credit card in the amount of {$200.00}. Account approved and opened. I never used this card. No purchases were ever made. I lost my job due to Co-Vid XX/XX/XXXX. For an entire year First Progress remained with a balance of {$0.00} between XX/XX/XXXX thru XX/XX/XXXX. It wasn't until XX/XX/XXXX that the card was charged an annual fee of {$49.00}. Every bill after this was charged late fees and interest. First Progress ran my {$200.00} secured deposit all the way down to - {$4.00} and closed account. They kept my security deposit and made derogatory statements to the credit reporting bureau agencies. I can't see how I can lose my deposit on a card I never used
Product: Debt collection

I am filing this complaint against Genesis Credit Management LLC for attempting to collect a debt I do not owe, falsely reporting this debt to credit bureaus, and engaging in harassing practices. The specific issues are as follows : XXXX. Invalid Debt Claim : Genesis Credit Management LLC is attempting to collect {$500.00} on top of the {$220.00} security deposit that was not returned by the original creditor, XXXX XXXX. This amount includes charges for alleged damages classified as standard wear and tear, which I am not responsible for under the terms of my lease agreement. I have provided Genesis Credit Management XXXX with a copy of the lease agreement that explicitly states I am not liable for wear and tear, yet they continue to pursue collection. 
XXXX. Unlawful Charges : XXXX XXXX charged me an additional day of rent with a late fee of {$120.00}, even though I moved out on time. Since the property uses a keypad lock, I did not have a key to return except for the mailbox key, which I returned the next day. There was no justification for this charge. 
XXXX. Inaccurate Reporting : Genesis Credit Management LLC inaccurately reported this debt on my credit report, claiming to be the original creditor. However, XXXX XXXX is the original creditor, and this misrepresentation is both deceptive and harmful. 
XXXX. Harassment : Genesis Credit Management LLC continues to call me and my fiance daily, causing unnecessary XXXX XXXX XXXX 

Steps I Have Taken : I provided Genesis Credit Management LLC with a copy of my lease agreement proving that I am not liable for the charges. 
I disputed the inaccurate debt with the credit bureaus. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Genesis Credit Management LLC ceases their unlawful and misleading practices. Their collection of invalid charges, failure to return my security deposit, and reporting of false information have caused significant harm and stress.
Product: Debt collection

I 'm XXXX at a state university. I have been contacted in my office by Windham Professionals, presumably regarding the student loans I am behind on. They were very rude first to my office mate then to me. They would first have had to contact the XXXX department 's main office as I do n't give out my office number. I am only in my office a few hours during the week which means they would have to have spoken to someone to determine when I am in. Moreover, I share my office with XXXX other people so this is humiliating and a form of harassment for them as well. This is humiliating and completely inappropriate contact and I consider this to be harassment. I want it to stop immediately or I will consider legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

1..I doing the Best to increase my credit score, 8 years ago from a Bankruptcy but i still waiting to removed this Bankruptcy to continue my life. XXXX XXXX all ready did..i will like to buy me a House but cant'not do it..porfavor removed.to continue my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had more fraud on another credit card with a {$14000.00} credit line that simply needs to be replaced with a new card and account number, but once again i'm seeing that the available credit was incorrectly deducted from my total on XXXX XXXX which reports to XXXX, where my total available credit is already nearly {$20000.00} too low, and I once again, lost a point on my credit score, and a month in my average credit age. XXXX will report that I have only {$23000.00} total available credit, when I really have {$57000.00}. it will show less than half of what it really is, when it's already almost {$20000.00} too low because they take so long to correct the information with the previos two cards that had to have account numbers replaced because of fraud. They need to stop constantly doing this over and over and over again, taking available credit away due to fraud, when the card is simply being replaced with a new account number, which should have absolutely no effect whatsoeveron my credit score.
Product: Mortgage

I have been adding additional funds to my Citi mortgage payments for the past year. My expectation ( and assumption ) was that these extra funds would be used to reduce the outstanding principle. I was shocked and dismayed to learn that Citi had been accumulating the extra funds in a non-interest balance called " future payments. '' The rep on the phone ( who is going to apply 3 payments to my principle - ticket number XXXX ) said that they can not go back more than 90 days, so the " future payments '' balance still has two payments sitting in it interest free while I pay interest on my principle that I can not reduce using those funds. If I want more than my expected payment to be applied to principles, I am required to move my bill payment for the mortgage from my bill pay system at XXXX XXXX to Citi EZ payments or I can call once per month to have it applied. 

I have had mortgages at many banks in the past and made the same excess funds in my payments and have never seen this. This seems debilitating complex to pay down my principle faster than they prescribe and they appear to have engineered this policy to maximize their profits. 

Should it be this difficult to reduce my mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sent investigation requests to the credit bureaus on XXXX XXXX. We were supposed to receive the results within 30 days. She did, but I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX  XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$120.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} ; Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax provided a XXXX XXXX XXXX score of XXXX to XXXX XXXX XXXX XXXX. ( Order XXXX ) The factors adversely affecting my score included : 08 Too many inquiries in the last 12 months and 11 Amount owed on revolving accounts is too high. 

Both these factors have been used by Equifax for the past three years and CFPB complaints filed. Multiple disputes have been filed with Equifax and each time Equifax has declined to change the information ( score or factors. ) However, there have been less than three hard credit reports in any 12 month period and since XX/XX/XXXX, I have had zero revolving credit accounts with any monthly balance. Of the two credit cards used, both are paid in full monthly, usually prior to receiving a statement. 

Equifax has consistently provided the same inaccurate adverse factors for more than two years and has repeatedly failed to make any corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the Veterans Affairs who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child on the way and I desperately require moving into a larger home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CRRDIT REPORT AND SEEN FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE INQUIRIES AND ACCOUNTS, FTC REPORT AND LETTER IS ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within XXXX days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

XXXX. Billing error XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is outdated and shouldn't be on my credit XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 




Sincerely, XXXX