23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX placed an inquiry on my report. I responded to a Pre-Approved offer by Experian that stated that my credit report would not be effected. I did not authorize XXXX or Experian to place this inquiry in my report. Although Experian guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting XXXX numerous times by phone but no one answers to my calls.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name : XXXX XXXX XXXXXXXX XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove late payment from XX/XX/2021 for XXXX XXXX XXXX XXXX ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Product: Credit card

I am writing this complaint because of unfair business practices, concerning my Sears/Citibank Master Card, I have been paying my credit card faithfully every month without ever being late, I am paying more than the {$25.00} dollar amount due each month, sometimes I pay bi weekly because I am trying to pay off balance quickly, However ; I have been noticing each month the amount that I owe goes up each month and not down, I called a CSR on XX/XX/XXXX and was told, I stilled owed {$170.00} on a exercise bench that I purchase on XX/XX/XXXX. This is not true I have paid off this card twice and no one ever told me I owe any other balances and no one has ever sent me a another bill stating this. I have asked for proof that I owe this and they refused to send me a copy showing this balance unpaid. Since I make payments from {$50.00} to {$100.00} a month. I know for a fact I do n't owe this balances, I purchase this bench with my credit card and there should not be any other charges. Then a rep tells me I owe a promotional fee in which I never heard of, I feel as though someone in their company is trying to run a scam, will you please help me get to the bottom of this situation. I went on The Sears Website last night XX/XX/XXXX and did n't see where I owed anything else. Someone is putting additional charges on my card each month and I know this is unfair business practices and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My last lease with XXXX XXXX has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the XXXX day ) and XXXX XXXX said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through XXXXXX/XX/XXXX in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.
Product: Debt collection

National Credit Systems claims the original creditor XXXX XXXX XXXX apartments is their Plaintiff when in fact they purchased the dept and now own it in an attempt so not loss the chain of custody.
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Debt collection

On XX/XX/XXXX I was contacted by a representative of Portfolio Recovery Associates. I explained to them I was NOT interested in being involved with a payment program and would only be interested in doing a one time payment and that it would be marked " paid in full ''. We agreed on the amount of {$280.00} and the account was suppose to me marked paid in full. They took the payment on XX/XX/XXXX but it was marked as only a payment on my credit report just as I was lead to believe would not happen. When I called and tried to talk to them on XX/XX/XXXX about the situatuion they told me that they only mark it as paid in full with them but not on my credit report unless I pay them the full amount. That part was not disclosed to me when I agreed to pay them the {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

This is a follow-up issue to case : XXXX They didn't fix the previous issue but I found a workaround by sending auto payments through my bank. 

They are now claiming that my late fee has been refunded when it clearly hasn't. 

See attached for current state of my account. 

Email is a preferred means of contact. But ideally I can just have the late fee waved with no need for further contact and waisted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are Accounts that are misleading and incomplete. Therefore I request that you investigate these Accounts listed below. 

XXXXXXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$14.00}
Product: Checking or savings account

I received an email with this list of questions and I completed them. Shortly after I finished answering questions that had been answered 3 times I sent the answers to them in XXXX 's ( XXXX Mellon XXXX XXXX  ) inbox on XX/XX/year>. I still have not received my credits for the unauthorized transactions. The contact information left by XXXX is as follows : " XXXX '' XXXX Mellon Treasury Services, Senior Representative, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, ( P ) XXXX, ( F ) XXXX. 

I called and left XXXX a message twice. The issue is that I STILL DO NOT have my credit to my account with FIDELITY XXXX. My initial report of fraud was on XX/XX/year>. I called to check the status of this " 10 day '' process and they told me to file my claim and go through transactions all over again. That was on XX/XX/year>. I called Fidelity again XXXX XXXX XXXX, and on XX/XX/year>. 
Both XXXX Mellon and Fidelity XXXX are in Direct violation CFPB 's Regulation E 1005.6. Both institutions are also violating their written terms of agreement to provide provisional credits to account holders accounts while the investigation is active but my account has not been credited to in nearly 60 days of this stalling repository process. Regulation E does not require of those irrelevant request that XXXX Mellon asked for, ( I provided and answered thoroughly, just as I did in XX/XX/year> and in XX/XX/year> ) and neither does the Electronic Transfers Act. The complaint is the result of financial institutions knowingly and purposely breaching their oaths, terms and agreements to their clients and their reputation. The solution is to reposit all credits involving this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was nice on the phone. The phone is the only way i can get my credit reports because I live in XXXX. No customer service persons ever denied that my credit report couldn't be mailed to my address. After verified the information they wanted, XXXX XXXX. XXXX, XXXX from my pension company, a signed statement with SS #, and an electric bill, it would be mailed to me here in XXXX. After the hassles I got from XXXX and XXXX, what a joy to do business with. 

It appears that Transunion may have lied to me. My letter asking for my free report went out on XX/XX/XXXX. I called on XX/XX/XXXX to check on it. I was told that it was mailed out XX/XX/XXXX, and the file # XXXX was in the mail. I still have NOT received it. 

I get lots of mail from the USA sent to me here in XXXX and have never had a letter lost. I had to spend many hours on XXXX begging and pleading with several customer service people all claiming I can't mail out anything to me, ( from XXXX and XXXX ). 

It appears that Tansunion just simply lied about their intentions to keep the phone time short and the customer happy at that time.
Product: Credit reporting or other personal consumer reports

Im filing a complaint to report incorrect credit reporting. My research showed that I need to visit the Federal Trade Commission ( https : //www.ftc.gov ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies must remove items listed on an identity theft report with reference number XXXX. Attached are documents to help remove the erroneous personal information and inquiries from my report. Here are the items that were opened without my permission : EXPERIAN : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt.
Product: Credit card

I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is through XXXX XXXX My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report with Experian and the information on this account : XXXX XXXX XXXX XXXX This item seems to be inaccurate or inconsistent with established reporting. I stand to believe that my rights as a consumer are being violated with this inaccurate information as I'm unsure if the reporting process was done correctly. 

I'm requesting that you investigate this item to ensure it is in fact reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started 72 month auto loan with XXXX XXXX XXXX in XX/XX/XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and Hyundai themselves on over 10 occasions ).
I had made the last payment on my auto loan on XX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me ).
There was another payment made on XX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XX/XX/XXXX.
There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment.
On XX/XX/XXXX, Hyundai advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to Hyundai, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points.
On XX/XX/XXXX, I sent XXXX, XXXX, XXXX AND Huyndai all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status.
On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be.
On XX/XX/XXXX, Hyundai, once again, reported my account to all three credit reporting agencies as delinquent with a XXXX balance on this closed account. As a result, my credit dropped another 62 points. 

I have made, again, in excess of over 5 calls to XXXX and Hyundai trying to get my report corrected and to get Hyundai to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because Hyundai wont correct their system. 

I am trying to purchase a home and this 62 point drop in my credit is preventing this from happening. Hyundai is not helping me with this matter in ANY way other than telling me to keep disputing it.