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

I appreciate the removal of some fraudulent items from my credit reports. However, I have identified that there were remaining fraudulent items persistently reporting, adversely affecting my credit standing and records. I am once again urging XXXX, Equifax, and XXXX Credit Bureaus to remove the items listed in this complaint per bureau, as documented in my FTC report with reference # XXXX : -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX  XXXX XXXX Balance : {$7700.00} -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX  Balance : {$50.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$7700.00} XXXX XX/XX/XXXX  -- -- -- -- -- -- XXXX : XXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} 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

I am always paying on time so I am quite perplexed as to why these accounts were being reported with late payments. I want this to be updated to positive because this should not be with late payment remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco did a hard pull without my consent. I have been working with 2 companies for debt consolidation and receiving many calls. I never spoke with anyone from XXXX but they are affiliated with a company I did get a hard pull from and declined an offer. After declining the offer 6 hours layer XXXX, a subsidiary did a hard pull. I had not gone through the full process with XXXX or XXXX ... idk, A micro lender I have a debt with and am trying to consolodate. I never signed the final stages, just doing preliminaries. I found a much better offer. I am closing. I did chat with another lender, assured we were browsing. My credit WAS GREAT, now feeling retaliation.
Product: Credit card

I am filing this complaint regarding an inaccurate late payment reporting from FSTPROGRESS ( First Progress ) on my XXXX credit report. This account is listed as " Late 90 Days '' on XXXX, while XXXX and XXXX report it as " Current '' and in good standing. This discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S. Code 1681s-2 ), which mandates that furnishers of information, such as First Progress, maintain accurate and complete records. Despite my account being closed, fully paid, and reflecting a XXXX balance, XXXX continues to report this late payment inaccurately. 

I have reviewed my payment history and have never been late on this account. The inaccurate late payment marks have significantly impacted my credit score and are unjustified. 

Breakdown of the Data : Account Type : Revolving ( Credit Card ) Account Status : Paid/Closed across all bureaus. 
Balance : {$0.00} across all bureaus. 
Date Opened : XX/XX/2023 ( XXXX : XX/XX/2023, XXXX XXXX XX/XX/2023 ) High Credit : {$180.00} on XXXX, {$300.00} XXXX XXXX Credit Limit : {$300.00} XXXX XXXX, {$0.00} XXXX XXXX XXXX Status : XXXX : XXXX XXXX : Late 90 Days ( inaccurate ) XXXX : Current Date of Last Activity/Payment : No late payments reported on XXXX and XXXX, yet XXXX inaccurately reports late payments for XX/XX/2023 XXXX XX/XX/2023, and XX/XX/2023. 
The reporting across the three bureaus should be consistent and aligned, but XXXX report inaccurately reflects late payments despite the account being paid and closed, as confirmed by the other credit bureaus. This inaccurate information is a violation of FCRA 's Section 623, which requires accurate reporting by furnishers. 

I kindly request that this error be investigated and removed from my credit report as it is inaccurate and damaging to my creditworthiness.
Product: Credit card or prepaid card

Continuing problem receiving updated monthly statements and getting access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. Chase bank did not apply my payment correctly. They also did not pay the insurance that year. Chase bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames chase bank. I contacted XXXX and the state that I have complain with XXXX  or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. Chase. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.
Product: Debt collection

Please see attachments for information. 

JP Morgan. 

The information is incorrect and suitor not be on credit report. 

Account does not belong to me. 

A Please remove from Credit report
Product: Debt collection

Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX   XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. 

I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. 

I look forward to having this issue resolved and being able to move forward in my next venture.
Product: Debt collection

I am reporting Comenity Capital Bank for harassment and trying to extort additional money out of me through bullying tactics such as repeated calls, over 26 calls in a period of three days, and through negatively impacting my credit unless I " pay again '' and present a " check from my bank ''. The details of this complaint are below. 

Towards the end of XXXX, I opened a credit card for Comenity Capital Bank ending in XXXX. I paid the outstanding debt of {$66.00} on XX/XX/ to the account ending in XXXX and received a confirmation from Comenity Bank that payment had been received. The confirmation number for this is XXXX Payment was taken out of my bank account from Comenity bank for the card number ending in XXXX. I was sent a letter in the beginning of XXXX stating that I still owed {$66.00} despite receiving confirmation from Comenity that this amount had been paid. I called Comenity and spoke to an employee named XXXX who stated that I would need to send a letter with details of what happened as well as the confirmation number. I sent this letter the next day. Despite sending this letter, I received over 100 calls from unknown numbers, numbers from XXXX such as the XXXX number, calls from XXXX, XXXX, and a plethora of additional states stating that I owed {$66.00} with interests. 

I've called multiple times and have sent multiple letters at this point to resolve this issue and when speaking on the phone, I was told that it was " my banks fault '' for the outstanding payment and that I would have to pay the amount again or request a " check '' or " check number '' from my bank specifying the amount had been paid. I explained the information I had received from a XXXX and told the employee I spoke to that Comenity. I was told I would have to send another letter with a check or check number from the bank. When I requested to speak to a manager because the person I was speaking to could not provide assistance, I was told " no ''. 

Essentially, Comenity Bank refuses to rectify this issue and the company has succumbed to tactics of harassment and bullying to extort additional payment. The actions of Comenity have had a disastrous impact on my credit score and my ability to buy a home. My credit score has decreased substantially and Comenity refused to remedy this issue, despite my multiple attempts to rectify this issue. 

I am requesting that the CFPB to provide assistance and possibly provide assistance for this inaccurate report to be removed. I also am requesting the CFPB to address the harassment of Comenity Bank so future consumers are not negatively impacted psychologically, emotionally, and financially. 

Below, I have attached the different numbers used to call me. I have not included all the different numbers as I have deleted some of the calls. I have also attached the confirmation email stating the outstanding balance had been confirmed and paid. I am more than happy to provide additional information, such as phone recordings, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around, from XXXX - XXXX I saw a lot of preapprovals on credit XXXX, at first i didn't pay it no attention, but credit XXXX kept sending me all kinds of preapprovals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. every day I would see these offers every time I logged in to check my credit scores. so, after a few months of being told that I was preapproved I thought I was known in the perfect place. I got so many offers, though credit XXXX, I started telling my whole family about investments and vacations we were going to use these preapprovals for. So, I applied on or around sometime in XXXX and I got denied for two credit cards and a personal loan. I was distraught and I was very angry, and I felt deceived. I was marketing to for months, so Credit XXXX told me I was preapproved, this was a lie. 
I was severely stressed out, a was XXXX for weeks, I had migraines so bad I became I became antisocial. My anxiety went from XXXX, now every time I see preapprovals, I immediately close my phone and shut my computer off. This has made me so uneasy and anxiously I have checked my credit as frequently as I should.
Product: Credit reporting

I keep getting denied for financial services i use online and phone by Clarity Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letter to Experian asking how they verified the bankruptcy on my report no response. On XX/XX/2021 got a letter from Experian saying they would not reinvestigate unless I sent in additional relevant information. On XX/XX/2021 I sent a letter saying if you verified it with XXXX I dont see how because I attached a letter from XXXX XXXX XX/XX/2021 showing bankruptcy XXXX was removed from my report. On XX/XX/2021 I sent another letter requesting Experian to remove the bankruptcy with the attached letter from XXXX. This bankruptcy has been disputed XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. Experian keeps coming back saying it was verified with XXXX every time it has been disputed. I have got it removed from XXXX and working on XXXX. Experian now wants a full copy of the report showing that its not on my XXXX report which is at least XXXX pages long. I was told by XXXX that once it is removed they have no way of showing it on there then be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Bank account or service

My father XXXX XXXX XXXX passed away on XX/XX/XXXX. He banked at Wells Fargo in XXXX, Florida, along with renting a safety deposit box at the same branch. XX/XX/XXXX, my father updated access to the safety deposit box by removing my Mother who had passed away a few months prior. My father was the only named lessee on the safety deposit box. On XX/XX/XXXX at XXXX an employee allowed someone to access the box and sign a poor forgery of my fathers signature. Which was obviously not my fathers seeing as how he passed away 8 days prior to this. I was told by XXXX XXXX ( Branch Manager ) and XXXX XXXX ( Regional service manager ) that they saw my brother XXXX XXXX impersonate my father on the video. The estate had gone into probate due to unable to find a will at my Fathers time of death. I was appointed the admin of the estate by the courts and obtained a court order to access the safety deposit box. I accessed the safety deposit box on XX/XX/XXXX and it was obviously empty. The day that this was found out ( XX/XX/XXXX ) I was given a copy of the safety box access record and filed a police report. The detective gave them a subpoena requesting the video and the record of access. Senior Attorney XXXX XXXX for Wells Fargo told the detective that there is no longer a video and there are no records of entry. I have a letter from XXXX XXXX stating that " it appears they were removed by a third party, believed to be XXXX XXXX, who procured access to the box through misrepresentation or other unlawful act ''. If there is no longer a video, then how would that statement be true? They also have forgotten that I have a copy of the access records that was submitted to the detective and my attorney handling the probate case. XXXX XXXX states that I do not have a valid claim and they are rejecting it. The Well Fargo Branch in XXXX unlawfully let someone steal the items from my Fathers safety deposit box and they are now destroying evidence and covering up their mistakes. I know what my father stated was in there. There could have been a will, something personal for me along with the items my Father told me were in there and Wells Fargo stripped that from me. XXXX XXXX is a convicted felon so there is no way of getting any of that info from him. In the attached letter XXXX XXXX stated " In fact, you have stated that you do not know whether anything at all was in the box ''. That also is not correct, the report that I wrote for Wells Fargo and the police report stated the items that were in the box. XXXX XXXX also stated " if anything was in the box at the time it was last accessed by the lessee XXXX XXXX, to the extent it is no longer in the box, there is nothing to suggest that Wells Fargo had any involvement in the loss or removal of any such item ( s ) ''. My Father would not be paying an annual fee for the safety deposit box if he had removed the items, my Father was a XXXX and was very tight with his money. The fact that Wells Fargo allowed someone to access the box without proper identification makes them fully involved in the removal of the items.
Product: Debt collection

Asked repeatedly for debt validation and never received anything in the mail. This is a collection agency ( NAM ) who calls repeatedly asking for money to pay on an old XXXX loan. I am a XXXX. I have been on a XXXX way call trying to get the company to send the client debt validation information. The client has asked repeatedly herself for information in the mail stating money owed and where to send money. She has never received anything from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I have reached out to security finance in reference to this problem my account is incorrectly showing a amount due and inaccurate missed payments as of XX/XX/2018 it shows XXXX due but when I call the office and based off my payment it should be XXXX this has caused a lot of discrepancies and issues with my credit along with my credit score dropping based off information that is showing wrong.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$25000.00}
Product: Credit card

I purchased XXXX XXXX tickets on XXXX XXXX XXXX and cancelled them right away. Amex and XXXX said it would take up to 8 days for the funds to be returned. Going into XXXX I made several calls and was on several chats with both Amex and XXXX XXXX and I was told that XXXX XXXX on XX/XX/2024 charged a separate charge for the same amount and has not returned the funds. When I spoke with XXXX, they did not see a XXXX charge and they also refused to talk with Amex to authorize the release of the funds because they said it was release XXXX hours after the cancellation had been made. Amex refused to release the funds and I had to call and chat several times over a month. It was thousands of dollars! The day after a payment was due, they released the funds and charged a late fee of XXXX to my account for non payment. The funds all of a sudden released with no problem today XX/XX/XXXX. In the mean time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because the funds were not put back in a timely mannerXXXX I lost not only the money, but also affordable plane tickets for them AND an appropriate XXXX because by the time the funds were back in the account, which happened today, all the accommodations to fit the students were sold out. That there is no consequence for a big company when they do wrong but I have to pay a XXXX late fee when they do not after they do not return funds in the time they say they are suppose to is unconscionable. All I asked was for the XXXX fee be waived for all this trouble and they denied the request. Now I will not use the card because I do not trust that they have my best interest in mind and they do not care how much they ruin your life with their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting 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. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accountXXXX 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  Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.