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

My XXXX XXXX  by XXXX  was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. XXXX claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. XXXX  has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I have a checking account at US BANK, I called the bank to deactivate the overdraft protection and they still keep charging me..!
Product: Consumer Loan

On XX/XX/2017 I accidently made a {$670.00} payment to a closed Ally bank auto loan. I asked they refund the payment on XX/XX/XXXX Ally stated the account is closed it will reverse automatically. I followed up with Ally bank today and was told no it will not reverse automatically they will instead hold my payment for 10 days arbitrarily and mail a check. The Bank I sent the payment from XXXX offered to send any proof Ally needed to show the payment has cleared Ally refused and stood behind waiting 10 days to mail a check.
Product: Credit card or prepaid card

Citibank refuses to accept refunds from my vendor on a closed credit card.
Product: Credit reporting or other personal consumer reports

I disputed 3 items on my credit report with Experian due to inaccurate reporting and they responded to my CFPB complaint XXXX stating that the items are not on file or have been deleted. I checked my updated credit report, and the items that were disputed are in fact still on my credit report. Not only did Experian blatantly lie, but they also failed to provide sufficient evidence as to why the items are still on my credit report. I will list the items below that are to be removed from my credit report due to FCRA violations. XXXX and XXXX have removed the following items due to misleading and false reporting, so I am confused as to why Experian is still reporting these items. I will also attach the dispute letter, which is dated, and time stamped. This is my final notice before I continue with legal action. Please remove the following items that you stated were not reporting on my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and grossly inaccurate account that has unjustly tarnished my credit report. The egregious errors in your reporting have not only violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), but also constitute a blatant assault on my financial integrity. Such reckless disregard for accuracy and compliance can not go unchallenged and may necessitate aggressive legal intervention. 

Upon conducting a thorough examination of my credit profile, I uncovered an installment account falsely labeled as XXXXDept of ED Loan , with an erroneous amount of {$3500.00} attributed to my name. This glaring discrepancy permeates my entire credit report, replete with inaccuracies in Account Numbers and clandestine concealment of vital account details. The evidence I possess overwhelmingly supports my claim, leaving no room for debate or delay. Immediate rectification of this injustice is non-negotiable. 

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the purported last activity date on this account bears no resemblance to the actual date of my last payment, distorting my credit history and undermining my financial credibility. These deliberate manipulations have been meticulously documented across all credit bureaus, serving as irrefutable evidence of your organization 's negligence and malfeasance. 

It is imperative to emphasize that the mislabeling and misrepresentation of accounts, such as falsely designating an account as " paid as agreed '' or inaccurately labeling another as " deferred, '' constitute flagrant violations of consumer protection laws, particularly the FCRA. Your disregard for these fundamental legal standards demands swift and decisive action. 

I demand your immediate and unwavering attention to this matter, with a swift resolution in strict accordance with the FCRA guidelines. As stipulated by FCRA regulations, I expect a response within 10 days from the date of this correspondence. Failure to promptly address and rectify these egregious inaccuracies will leave me with no recourse but to pursue all available legal avenues against your organization, seeking not only redress but also punitive damages for your wanton disregard of my rights.
Product: Credit reporting or other personal consumer reports

Account Info Account Name XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$18000.00} written off. 
Status Updated XX/XX/XXXXXXXX  This reporting Information Is Inaccurate : the remaining balance after GAP coverage was XXXX as reported on the settlement offer agreement with XXXX the account was settled for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with a debt relief company, XXXX XXXX XXXX, to pay down/off my credit card debt. I had an account with Synchrony Bank/Amazon that was settled and paid in full in XX/XX/2021. Synchrony Bank has refused to update my credit report to reflect the current {$0.00} balance and still shows that I have a past-due balance. I have disputed the account 3 times and have spoken with the bank who stated that they will continue to report a past-due balance, but that I don't have to pay it.
Product: Credit reporting or other personal consumer reports

I have several items being reported to all XXXX credit bureaus, XXXX, XXXX and Equifax that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE XXXX told me that that would remove them as well as Equifax XXXX but XXXX is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of EdXXXX XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all 4 items were discharged and are still being reported to all XXXX credit bureaus. 

XXXX XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all XXXX credit bureaus. 

XXXX XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to XXXX and Equifax XXXX 

XXXX. XXXX XXXX XXXX {$1100.00} charged off ( removed from XXXX but still being reported to Equifax and XXXX ) XXXX. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to XXXX and XXXX. 

XXXX debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all XXXX credit bureaus. 

XXXX. XXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all XXXX credit bureaus.
Product: Debt collection

In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to XXXX  XXXX and I received a receipt for my payment.I am now being hounded by Portfolio Recovery Associates, LLC for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus
Product: Credit reporting or other personal consumer reports

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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account : XXXX Date opened : XX/XX/2015 Account closed its passed due on my credit report its been over 7 years this account should be deleted promptly
Product: Credit card

To Citibank Customer Service : Subject : Difficulty in Updating Contact Information Due to Change of Mobile Carrier I am reaching out to address an issue I have encountered while attempting to update my contact information in your records. Recently, I changed my mobile carrier, which resulted in a change of my phone number. 

Upon trying to update my new phone number in the Citibank system, I encountered a procedural challenge. The system consistently attempts to send a verification code to my previous phone number, which is no longer in use. 

To resolve this, I contacted your customer service team. However, the representative was unable to directly update my phone number in the system. Consequently, my case was transferred to the fraud department for further verification. 

During my interaction with the fraud department, I complied with the identity verification process. Despite this, when I provided my new phone number, which is a standard number issued by my mobile carrier, it was deemed as not meeting Citibanks criteria. 

In an attempt to find a solution, I then offered my work phone number. Regrettably, this number also apparently failed to meet your criteria, although the specific reasons for this were not made clear to me. 

The call concluded without a resolution, leaving my phone number unupdated in your system. This situation is causing inconvenience, as I am unable to receive important communications and verification codes from Citibank. 

I am seeking clarity on the criteria used for validating phone numbers and request your assistance in resolving this issue promptly. It is essential for me to have my current phone number registered correctly to ensure seamless banking services. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Bank account or service

Wells Fargo has recently began charging fees to our bank savings and checking accounts, and changing the rules of our bank accounts without foundation or notification. We have contacted the Wells Fargo Bank by telephone and in person several times, and we have tried to correct the situation and have the fees reversed. Some fees have been reverse others have not. And those that are reversed, are later in the following monthly cycle charged again. We contact the bank, and we do what the bank representatives recommend to eliminate the service fees, but the bank sets new rules and charges fees under new rules. The Wells Fargo bank is constantly changing our accounts ' rules and charging fees we did not have to pay priorly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Ginny 's in XXXX of 2022 used my social security number and opened up a credit account in the amount of {$500.00} without my permission.
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after XXXX XXXX XXXX  data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list four of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Bank account or service

Wells fargo started charging me for quicken but i never signed up for it.
Product: Mortgage

I was told that I was getting a {$10000.00} credit for closing from my realtor and the mortgage bank- us bank would not allow it. I only ended up getting a credit of {$9900.00} and I am out {$590.00} that the seller and I agreed upon. I think this entire deal was not communicated well and was very confusing. Us bank did not communicate any issues until I confronted them when my realtor called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy was added to my credit profile in XXXX of 2018 but never verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard Inquiry that I dont know and did not authorize From XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. Second XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on this with the consumer credit reporting agencies. My understanding a settled account can not be listed as a charge-off on the credit report. Currently, this is reporting as a charge off with the following comments : Payment after charge off/collection settled-less than full balance. However, the settlement agreement that was emailed and the completion made no reference to this being listed as a charge-off. I need the credit file to be updated exactly as promised or deleted if it can not. I have attached the emails showing the promises made by opp loans once I completed the settlement. I feel like the company is negligent in how they updated the information because it should have been updated as agreed in the settlement offer.
Product: Credit reporting or other personal consumer reports

My Equifax credit report shows none of my creditors have been updated since XX/XX/2023. This issue is only there for Equifax. All my credit accounts on XXXX and XXXX are updated monthly with no issues at all. I called in and did their ID verification by text ( scanned US Passport and selfie ) and they told me they couldn't verify me and to mail documents in. I'm not mailing anything to a company that had a breach. I asked to speak to a supervisor and after a long hold, I got a supervisor who told me I failed verification as soon as he got on the phone. I asked the supervisor what my name was to see if he actually had my credit report up and he didn't even know it ... All he kept doing was lying to me. The fact that this company outsources its support and supervisor to XXXX is insane. This is our personal information in the hands of XXXX.. They already had one breach which I was a part of why risk another breach by outsourcing to XXXX when there are XXXX who can do this job?
Product: Mortgage

On XXXX XXXX I was given a pre-approved amount for {$110000.00} to purchase my first home from a mortgage company by the name of Cross-Country Mortgage. I was later told by XXXX XXXX that he could max the loan amount up to {$120000.00}, this information was given on XXXX XXXX. I found a home that the sellers came down on the price for me, had all inspections needed completed, and paid for my appraisal. In the end my closing date was pushed due to faulty paperwork, lack of communication and wrong numbers calculated on the company 's behalf that they didn't catch until a few days before my closing date of XX/XX/2020. My realtor at that time tried to save me money and the house by asking for an extension which placed me out of my due diligence period. In the end the lenders came back with a new pre-approval amount of {$60000.00} which was extremely lower than what other companies pre-approved me for in the past. Due to this horrible experience, I missed a week 's worth of work dealing with XXXX and lost {$1000.00} dollars that I could have used for my children 's XXXX. This process has left me, and my children devastated and unhappy as we were looking to spend our holidays in our new home.