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

EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of XXXX XXXX XXXX.
Product: Credit reporting

In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenEquifaxXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE CORRECT THE INFORMATION REPORTING ON MY PERSONAL CREDIT REPORT DUE TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Collection agency : XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is getting ridiculous and its extremely annoying that you guys keeping the following items on my credit report. And You are violating my rights! by reporting these accounts on my report. 
XXXX XXXX XXXX  FOR {$3100.00} OPENED XX/XX/2023 '' All the other Credit reporting agencies have removed them, but you guys refuse to do so. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress.

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records.

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, my rights and the accounts listed below in question have been violated : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
Inquiries : 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 is listed 3 different times, XXXX XXXX XXXX I have never lived at any of these addresses. 
15 U.S.C. section 602 A. states I have a right to privacy.

15 U.S.C. section 602 A. states a consumer reporting agencies can not furnish an account without my written instructions. 
I'm a XXXX, my name is being mixed up also. Correct name : XXXX XXXX XXXX. 
Incorrect Phone Numbers : XXXX, XXXX, XXXX These belong to my ex. 

XX/XX/2022, I have been trying to correct inaccurate information that is reported in my Experian credit report, Experian sent me a stall tactic letter stating that it was not me who is disputing the information in my credit file. I sent my identification, proof of address, and my identity theft report notifying me of the issue. Experian is still saying that it is not me. 
I have started the dispute process all over again to be told that they need proof of my identity again. When I submitted it the second time, I provided everything that was requested from Experian. Experian has failed to comply and violated my consumer rights when it comes to disputing erroneous, inaccurate, and unverifiable information in my credit file. I'm a true victim of identity theft and I'm trying to correct the misleading and inaccurate information in my credit report with Experian. I have done my homework and feel like I'm entitled to dispute anything that is untrue in my credit file. I do know the laws and can use them correctly to fight for what's right in my file.
Product: Mortgage

HOUSE WAS SOLD. I DID NOT RECEIVE NECESSARY IRS FORMS TO BE ABLE TO FILE MY 2019 TAX RETURN FROM UNITED BANK 2019 1098 MORTGAGE INTEREST STATEMENT I EMAILED THEM, I SENT REGISTERED PRIORITY MAIL THEY HAD TO SIGN FOR REQUESTING THE 1098 IRS FORM TO BE ABLE TO FILE MY TAXES. THEY DON'T RESPOND. I HAD TO FILE FOR INCOME TAX EXTENSION AS THIS AMOUNT I PAID THIS BANK IS {$47000.00} interest and payments 2019. THIS IS THE 2ND MORTGAGE AND THE LIEN HAS BEEN RELEASED BY THE BANK.
Product: Bank account or service

Investors Bank in NJ changed the type of checking account I have without my consent because they said they eliminated my type of account. They did not give me 30 days advanced notice before this change took place. The new terms on the account began on XXXX XXXX, 2016 the letter telling me there would be a change was received within the same week. I have had my account for 8 years and was not charged by Investors Bank if I used an ATM that they did not own. Now I am being charged {$3.00} for each of these types of transactions over XXXX. In the first two weeks of this change I have already been charged XXXX fees and the bank did agree after some arguing to reverse XXXX of the XXXX fees. Had I been given the advanced notice I may have chosen to look for a new financial institution since the only ATMs that will now be free are the ones Investors Bank owns, which there are about XXXX only located in the state of NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX the Account from XXXX XXXX, the account number is XXXX and IC systems has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 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 card or prepaid card

My credit card limit with Victoria 's Secret by Comenity bank was decreased and then the account was closed due to inactivity. I opened this account in XXXX of XXXX, it was one of my longest standing credit accounts. I managed to increase my limit up to XXXX before it was closed due to inactivity. First they reduced my limit to XXXX over only XXXX missed payment. Then shorty after I paid off and brought my account back to current, they proceed to close my account due to " inactivity! '' I had used the account in the Summer of XXXX. All of this occurred in a matter of XXXX  months. This closure of my longest credit card has significantly negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is with XXXX and citicards. have called and spoke to XXXX about 50 or 60 times and have disputed inaccurate information for citicards approx 6 or 7 times and still no resolution since early XXXX XXXX citicards is showing a negative indicator status as of XXXX XXXX shows account reporting currentlly negative my score has dropped about 40 points and my creditors can see this on XXXX XXXX score XXXX this account was closed XX/XX/XXXX in federal bankruptcy court and dischardged. the other 2 major credit bureaus are correct. i need to have the status date updated to XX/XX/XXXXacoount should not be reporting current please try to resolve this is grossly unfair. i also uploaded my bankruptcy docs from court showing citicards included in bankruptcy status date XXXX of XXXX per XXXX recommendation. as of today they still can not confirm that they recieved my uploaded docs. please try to help me this is a very simple date correction. Thank You XXXX
Product: Credit reporting or other personal consumer reports

I requested the removal of these unauthorized inquiries from my credit report so please check the documents I've sent. I am doing this because I don't recognize any of those inquiries
Product: Vehicle loan or lease

Our auto, financed through Chase Bank, was in an accident and declared a total loss by the insurance company. The insurance company mailed the payoff check ( delivery was confirmed XX/XX/20 ) to Chase Bank. This was over two weeks ago. Weve attempted to find out why the loan hasnt been paid off yet and were told that the check is in the mail room. We ask for it to be processed and theyve said they will when they find it. 

In the meantime we have been charged late fees and daily interest charges totally $ XXXX since they have held our payoff check. We have asked for these charges to be removed and were told that they will not do that because its your responsibility to pay the loan, regardless of our processing time. 

They have our money ( certified check ) and wont close out the loan and continue to ad charges and fees. After multiple calls, I now believe this is fraudulent and intentional. They seem to know that the average person has no reasonable recourse. Any help would be much appreciated.
Product: Debt collection

I spoke with a XXXX XXXX that works for XXXX XXXX in my attempts to talk with her which the customer is always right, she was rude she threaten and used abusing language when asking her where the location of my repossed automobile was< which repossession is a violation of the state constitution and federal law 15 USC 1692c ( b ) and federal law 15USC 1692e ( 4 ) XXXX XXXX XXXX was very unprofessional and hung up the phone on me! XXXX XXXX has violated federal law and mine and the state of Tennessee my constitutional rights! They violated my constitutional rights of Article 1 Section 7 which states that people shall be secured in their persons, houses, papers and possessions from unreasonable search and seizures XXXX violated the constitution by seizing my vehicle without the consumer direct permission which is theft and deceptive fraud! XXXX also violated federal law 15USC 1692 ( B ) by contacting and conspiring with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, Tennessee to steal my property protected by the Tennessee constitution Article 1 Section 7! XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX a third party violated federal law 15USC 1692 ( B ) communication with third parties Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as a reasonably necessary to effectuate a post judgement judicial remedy, a debt collector May not communicate, in connection with the collection of any debt with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law and this is a violation of 15USC 1692 ( E ) which also states the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the Seizure, garnishment, attachment, or sale of any Property or wages of any person unless such action is lawful, and also the threat to take any action that can not legally be taken or that is not intended to be taken! XXXX! XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated and disregarded federal law by committing an act of theft and communicating with third parties without my consent the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company on XX/XX/2019 to request a copy of my credit score through them and my credit report. The website indicates I will receive this information within 7 business days by first class mail. The credit score arrived at the end of XXXX ( XX/XX/2019 ) and the credit report has not yet arrived. The reasons listed for a " low score '' include limited history at phone number - which has been the same phone number for over 15 years. I have requested another copy of my report and have not yet received it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 XXXX 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 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID and statement.
Product: Money transfer, virtual currency, or money service

I XXXX searched " XXXX XXXXXXXX '' on the shopping tab. XXXX XXXX popped up with the camera for {$500.00}, with $ XXXXshipping. A total of {$550.00}. After I placed the order, it was requested that I pay via XXXX through my PNC app. My order number was # XXXX and said " pending ''. I did not receive further instructions regarding where to send it, so I used their XXXX  to inquire, nor did I receive an invoice or receipt. 

A person named " XXXX XXXX '' responded and sent me an email from XXXX with instructions to issue the payment to XXXX ( an individual named XXXX XXXX ). He also requested that I reply with a screenshot of the XXXX payment. I did so and requested that I be sent an invoice and tracking number when it was shipped. I was told it would be sent today ( XX/XX/2022 ). 

I noticed the next day that it was still saying " processing '', so I inquired via the XXXX  with no response. I emailed the admin account, was told the item was going to be shipping soon, and the following day, they stated that I had not made the payment ( despite confirming that it was received ) They are also not answering the phone number listed on their website. They have since removed the ability to use the XXXX  from my account, Upon looking deeper on their XXXX business reviews, I saw that two things had occurred. Firstly, there is a review left by " XXXX XXXX '', the same name as the person who allegedly works there. Secondly, another user commented that the business was a scam. 

I contact my bank ( PNC Bank ) to dispute the transaction and report the fraud. They told me to call back once the payment has cleared my account. It cleared on the XXXX. 

I filed a dispute with my bank and they said I would hear back in 10 business days. They have since told me that my dispute was denied because it was not considered fraud. However, from what I understand, this agency has been pushing to include XXXX scams to be recognized as an " unauthorized '' payment. I have also not heard from the " seller ''. I have documentation of the scam below. 

I have filed reports with : The FTC, the Illinois Attorney General, the FBI, and the XXXX XXXX XXXX
Product: Credit card

Aspire credit card never disclosed to me prior to obtaining a card there would be {$9.00} a month charged for a card carrying a XXXX balance. That would be {$110.00}. per year without any use of the card. Theft and failure to disclose this charge prior to opening account. 

I paid this account in full on XX/XX/year>. Yet I will be charged {$9.00} for each month forward without any activity ( usage ). Is this legal and why was I not informed before accepting this card? 

Cancelling this card will affect my credit rating.
Product: Credit reporting or other personal consumer reports

I REQUESTED A REINVESTIGATION OF UNFAIR AND IMPROPER INVESTTIGATION WITHIN 5 DAYS IT HAS BEEN 9 DAYS I RECIEVED WAS A STALL RESPONSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

In XX/XX/2021, I opened a personal checking account and a business checking account in a branch in PA near our summer home there. A few weeks after opening the accounts, Huntington bank froze the accounts not allowing me to bank deposits, withdrawals, or have online access. 
I have called multiple times and have been told the accounts are being closed by the bank hence the hold and I would be receiving a check for the funds in each account ( Approx. {$1000.00} in each ; {$2000.00} total ). However, it has now been 3+ months later, and I am being charged fees for the balances.