23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The SEARSXXXX XXXX account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an account with XXXX  and submitted documentation showing that the account was paid in full and settled on XX/XX/2018. On XX/XX/2018 the account came back from GM Financial reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing GM financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX OF 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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willfu
l noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete this immediately : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

First off the company began calling me so much it felt like harassment and on every call I would let the rep know this was not a debt I owed and to please stop contacting or to send detailed info of the account to my address and I have yet to receive but the company had reported it on my credit. They stated a date of 2014 when I had not been to any doctor visit I was actually off in college that year
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Transuion was supposed to remove fraudulent accounts XXXX XXXX, XXXX XXXX XXXX XXXX  off my report as well as 6 Hard inquiries XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Factual that are no obligation of mines 1692b. It is pass the 30 days need to review. Transuion has denied my access too my credit Report via online and over the phone. This is violating my consumer right 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691 I sent them a affidavit of Truth, Cease and Desist, Validation letter, and a invoice for 15 usc 1692k- civil liability ; for failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years I have been disputing this bankruptcy on my credit report. I was a victim of fraud and have requested investigations. XXXX, Transunion and XXXX did there investigation. When i asked for a reinvestigation, only XXXX actually reinvestigated. XXXX did reinvestigation and removed the bankruptcy. Transuion and XXXX both have not reinvestigated. They show an old date of investigating but has not actuallly reinvestigated after me providing proof that XXXX removed the incorrect information from my account. All information is supposed to be 100 % true before reporting on my credit report. I also wrote to the court house and was given a letter stating that the court house does not report to credit reporting agencies and i sent the letter to all credit reporting agencies. Even after reporting fraud and requesting a reinvestigation, XXXX and Transunion are still showing an old investigation date on my credit report, after knowing fraud has happened to me. 
I have kept records of you not actually reinvestigating. Ive provided proof of fraud, proof that XXXX has removed the bankruptcy because they actually reinvestigated. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 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 a account without my written instructions 15 U.S.C 1681c. ( 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. 
15 U.S.C. 1681s-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 inaccurate.
Product: Checking or savings account

I opened a new Citibank Regular Checking account on XX/XX/2020 and provided opening funding of {$15000.00} from my XXXX XXXX XXXX checking account. Almost immediately, and before I took any other actions, Citibank froze my account and sent notice via the online portal that my account was to be closed. 

Citibank would not send the money back into XXXX  XXXX XXXX or provide any other avenue for me to get my money back. I was told at one point to XXXX XXXX  XXXX XXXX to pull the money back themselves, which they told me they could not do. 

Citibank has instructed me that I will just need to continue to wait and that there is nothing they can do to escalate the situation. I have been told that it could take " up to 60 days '' since the account was closed until they send me a paper check to return the money that they continue to hold. On my most recent call with Citibank on XX/XX/XXXX, I was told to call back again in the last week of XXXX " for an update '' since I am currently part of a queue in line with others and that they have other cases to process ahead of mine. 

This means that Citibank will have effectively been able to hold {$15000.00} of my money for ~2.5 months without providing me any avenue to retrieve it and without providing any sort of recompense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau within the last XXXX I am married and havent been on child support ever this is damaging my reputation and I cant buy a home for my family or upgrade my position at work to be able to better provide for my family
Product: Credit reporting or other personal consumer reports

There is an address on my credit report that I have repeatedly tried to remove. It is not my address. I have never done business with XXXX XXXX at the address. It was reported in mistake by another company. However, when I XXXX  remove XXXX, I am told I can not because XXXX XXXX is reporting it as my address. It is not my address and I want it removed. It also list my name incorrectly. XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX is not a good address and is a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit reports ( Experian, XXXX and XXXX  ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Product: Vehicle loan or lease

Hello, I have an auto load with GM Financial. I found out today that I am 30 days past due on a payment that was due in XXXX ( XX/XX/XXXX ). When I made my last payment the GM website said my next payment was due XX/XX/XXXX. It misadvised me because there was really a payment that was due XX/XX/XXXX that hadn't been made yet. I logged in today thinking I was 1 day late and I was really 30 days late. 

I called the company and pointed out that their website showed that my next payment was due in XXXX and not XXXX. They admitted that the information was wrong on the phone ( talked to XXXX XXXX on XX/XX/23 @ XXXX XXXX  ), however, they refuse to make sure it doesn't impact my credit or remove any late fee. I made the payment immediately but their website is clearly misadvising consumers and misleading them - leading to increased late payment revenue for their company. 

I attached a picture showing the misleading information. Today is XX/XX/XXXX. I thought I had a payment due XX/XX/XXXX ( 1 day late ). The website says payment is 30 days late ( would have been XXXX payment I didn't know about ) - then it says my next payment isn't until XXXX. It says NOTHING about my XXXX payment - that was due yesterday. Extremely misleading and unethical. 

Something needs to be done to stop this from happening to consumers. It is gross misrepresentation and I would argue illegal to mislead consumers like that. 

All I want is GM Financial to quit misleading customers and do the right and ethical thing when they mislead someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a settlement agreement with Bank of America regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against Bank of America. 

On XX/XX/XXXX Bank of America submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts XXXX XXXX XXXX and XXXX Bank and was denied a checking account based on the information reported by Bank of America to XXXX XXXX  and XXXX XXXX. 

Bank of America is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

Bank of America 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. Bank of America 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Bank of America never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe Bank of America 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to Transunion and XXXX to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.
Product: Checking or savings account

Every other Tuesday I get my paycheck deposited into my bank account at PayPal. This Tuesday my check in the amount of {$1200.00} was not showing up. I called PayPal and they said they needed to submit a support ticket to their engineers because they were having problems with direct deposit. I asked how long it would take and they said that there is no timeline. I've already incurred a {$70.00} late charge and returned payment fee from another company for a credit card payment that didn't go through. PayPal 's mishandling of my paycheck has cost me personally and will continue to cost me if not resolved promptly. My rent is due and I need finances to commute to work. PayPal isn't being helpful at all and acts like this isn't a big deal. I feel there is no true escalation to resolve the problem, just pacification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is maddening! Despite the multiple dispute letters and CFPB complaints that I have been submitting against the Credit Bureaus, they still have been failing to verify the validity of the disputes items on my Credit Report. I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/2022 requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus since the first dispute letter I sent to the Credit Bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Reporting Agencies are bound to comply with the Fair Credit reporting Act section 605b and remove the fraudulent accounts and information being reported on my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit Reports : XXXX XXXXXXXX XXXXE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}
Product: Mortgage

Real time resolutions has been contacting me for years, claiming I owe them {$65000.00} for a mortgage loan. I have notified them dozens of times to advise the they have the wrong person and that I dont owe this money. I am still receiving collection notices that I now owe {$100000.00}. Late fees, late payments. Etc. I would really like to get this settled in court or a means to stop receiving these harassment letters and phone calls. They are calling me and threatening me that I am going into foreclosure and just being really insulting. Please help. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had horrible experiences with Experian. Almost monthly my score is knocked down. My payments are on time and I do not use much of my credit. The last few months my spending has been very low and the last two months I have had zero balances on my 3 credit cards. I also paid off an old electric bill, that was on my credit report, and my debt decreased. My score went down again as it does each month with Experian. I disputed the old electric bill account, that I recently paid off, and I was sent a credit report, from Experian, with an update of this account being paid off and a {$0.00} balance. This was reflected on my credit report and happened in early XXXX. I had mentioned my disgust, in my XXXX XXXX XXXX complaint, that it took forever to bring up my score but, they would knock it down almost every month. This was with on time, over the minimum payment 's and low credit card usage. I was constantly sent unwanted information on how to get an Experian Boost for my credit. I needed to give them money each month and acess to my personal bank account information and bills that were paid. In turn, I was promised a bump in credit for letting them stick their nose in my business, and paying them money. NO Thanks, this is XXXX XXXX This has absolutely NOTHING to do with my credit. I feel they don't have the right to do this. I asked them why my on time payments of all my credit cards wasn't good enough for raising my score. This infuriates me!! I also have emails asking them to quit sending that information to me. How is this allowed? On top of that, this XXXX, XXXX XXXX XXXX, who works as a senior regulatory affairs associate, at Experian, decide to finally respond, about a month and a half later, to my XXXX. complaint. Experian had already rectified my situation and that I paid off my deb. They also raised my score back to where it was. After all I went through, with disputes, this fool knocks my score down TWENTY points saying my old debt was valid. I got the reports of my XXXX complaints, the response from Exoerian and the credit score decrease at the same time. He flat out lied and I am XXXX. I feel that this is in retaliation for my bad review and calling this company out on their Experian Boost score for pay. He never called anyone or looked to see what his own company put in writing and as paid on the Experian credit report. He is inaccurately falsifying information on my report to lower my score to retaliate. I am suffering because of this. He needs to be held accountable for this and his company..I will contact the CEO and sue if I have to. I am trying to buy a home and they are making it impossible but I am kerping track of everything they do. They are keeping credit scores low with inaccuracies to profit with an Experian Boost. Have you not seen the complaints? Besides the fact, Experian doesn't do credit reports every 30 days. This is fraud.I am about ready to sue them!!
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX that shows on my credit report for all the agencies is a company account for a company that I don't own. I have sent all companies the police report and the FTC report and it keeps coming back thats its me. I have even pointed out that this is a buniess XXXX  account and they tell me that XXXX is reporting it as a personal account. I have told all three agencies that I called XXXX and they told me that it was a company account. I have done everything to get this removed but due to XXXX having my info on file even though it was stolen and they do not have a vailed ID on file they will not help me. My Ca DL starts with a XXXX the credit agencies have told me point blank that they don't care about the ID on file. When XXXX confirms my DOB, SSN and or name thats enough for them to keep it on my report. This can not be how things are handled. If my info was stolen and used then yes its going to come back as confirmed, if my info was stolen how am I supposed to get this off my reports? The only information that I have ever gotten from XXXX was after I started the ID theft claim and they told me that they show payments posted to the account from a XXXX XXXX  account, I don't nor have I ever banked with XXXX.
Product: Money transfers

Excessive hold times on funds owed to me via paypal. I opened an account to facilitate payment to me from a guest wanting to stay at XXXX of my vacation rentals, and they wanted to pay with paypal instead of through my credit card merchant account. After i opened the account, paypal said I would have to wait 21 days before I would receive the payment, which coincided around the time they were supposed to check into my rental. On the date my funds were supposed to be available, I logged in to transfer them and the funds werent in pending status anymore. I contacted paypal and they said I did not verify my email when I set up the account ( I did ) and now I have to wait ANOTHER 21 days before receiving funds. Meanwhile, my guest needed a place to stay on their vacation, so I granted them access to the rental. The guest called paypal, spoke to a supervisor, and paypal told her that they would release funds to me within 2 hours of her call and reverse all the fees they were charging me. Well, the funds are STILL on hold for another 21 days- they did not release funds to me and did not reverse the fees.