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

In XXXX XXXX I made a payment to Kohls for {$170.00} I spoke to a representative, and she insured that she would take it from the card on file. I received email confirmation of the payment. A week later i received a noticed saying my payment was 30 days late resulting in my credit dropping XXXX points. 

I have been severly affected my XXXX by losing my child. I have submitted 4 disputes with the company, as well as with the credit bureau. I was refunded the late fees but they refused to report the item as not being 30 days late. I asked if a goodwill letter could be extended as a courtesy to remove the late payment due to employment reasons. I advised the supervisor of me relocating, and being affected with XXXX and losing a family member. He said since i tried to pay it then he cant do anything. The agent also stated there isn't anything he could do and disconnected the line.
Product: Credit reporting or other personal consumer reports

I was out of the country for XXXX years prior to that I was also XXXX overseas XXXX / XXXX. upon my return I found my identity was stolen. I hope I can get my life back as soon as possible please Sincerely XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought a small amount of XXXX cryptocurrency on the Coinbase app. The purchase was complete. Several days later, they went into my account and significantly reduced the amount of XXXX coins that I had bought. Now it is worth much less than the initial amount of money that I had paid.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN, IVE REPORTED THIS MATTER TO THE XXXX HOUSE, YOUR COMPANIES NOT FOLLOWING THE RULES AND REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report. 

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

The XXXX XXXX on my credit report needs to be removed or deleted. This account does not belong to me, I have no contract with this agency. This account has been deleted off my XXXX credit report and needs to be delete off my equifax report as well. Attached is proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/16 and never heard anything back. So I sent a 30 day comply on XX/XX/16 and I've yet to get any feedback on my investigation.
Product: Payday loan

First of all, when I hit the icon " Submit '', I did n't see the fee/interest until afterward. I received only {$400.00} and the payment was on the wrong day on purpose. They took the payment on the second Friday and I get pay three days later of the first week. The worst part of this is 866.8124 % annual percentage rate. If I has seen this, I would have never hit the word " Submit ''. I was so shock I was saw this. What I did saw was {$540.00} to pay back. When they set up the payment date ahead of the beginning of my new biweekly wage, I had a hard paying all {$540.00}. It hit me that they did it on purpose.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for their failure to conduct reasonable investigations into my disputed credit report inaccuracies. Despite my submissions of supporting documentation, Equifax has consistently responded within 24 hours, merely reiterating the account 's accuracy without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I respectfully request that the CFPB take appropriate action to compel Equifax to comply with federal law and provide consumers, including myself, with documented proof of genuine reinvestigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have had a business insurance policy since XXXX XXXX  2021, and dealt with one company at XXXX XXXX, XXXX XXXX XXXX. Not one time have they explained to me how to use it, because the annual fee is XXXX dollars, I have been paying XXXX. I haven't used any of the endorsement at all. I need to know why? And where my assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian regarding incorrect and outdated information on my credit report via direct mail per the addresses provided on thier website. each time mail come back to me " RETURN TO SENDER ATTEMPTED - NOT KNOWN UNABLE TO FORWARD ''. Why are they allowed to do this?
Product: Mortgage

I live in XXXX, Florida and we were hit by hurricane Irma on XX/XX/XXXX. I had to make a costly evacuation to northern Florida to evade the storm. I suffered significant damage to my property and was unable to work for a month due to the aftermath of the storm. 

I received an email from my lender, Ditech Financial LLC which I still have, stating that they would be offering assistance to those affected by this storm. Specifically, as well as other kinds of assistance, they offered repayment plans and forbearances for up to 6 months. 

I immediately contacted them and provided all the paper work they required. They verbally said I was approved for a forbearance and would provide the necessary documents to conclude it. 

By this time I had not paid my mortgage for 4 months ( XXXX, XXXX, XXXX and XXXX ) for a total for slightly over {$10000.00}. I began to pay my mortgage in XX/XX/XXXX when I was told to do so. 

I was led to believe that this would be a forbearance but to my dismay it turned out to be a subordinate mortgage funded by FHA. I only realized this when I went to refinance my existing mortgage with Ditech, and they turned me down because of poor performance on my loan. The problem is that Ditech reported my mortgage payments late to FHA which was inaccurate. 

I can no longer get an FHA loan due to their deception and inaccurate reporting. My credit report shows no delinquent or missed payments to this lender which makes this more frustrating.
Product: Credit reporting or other personal consumer reports

There's multiple mistakes that is reporting on each of the 3 bureaus differently. The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried multiple times in TRYING TO get IT Resolved. But every time you have failed to delete the items and they continue to show the INNACURACIES. From payment history to date started just to name a few of the mistakes being reported.Each of the 3 consumer reporting agencys have failed to fix it. And continue to have inaccurate and incomplete reporting to post without being fixed. It supposed to have maximum accuracy and this is far from it. Please follow the law and delete those listed items. 
Heres the United States code/ law showing that its your job to delete theze items from reporting. They have failed to fix the mistakes gor months and there is just too many mistakes from the accounts that And it is your responsibility to and it is the law to delete these items from reporting on my credit reports moving forward.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Those are the laws that is forcing you to now delete each of the listed items from reporting on Equifax, XXXX, and XXXX. Please follow the law and delete these items. Failure to do just that will result in a lawsuit being started for each bureau that didn't do the right thing and follow the law. Thank you for reading this dispute I look forward to hearing back from you guys and getting these items deleted asap. Thanks and God Bless! 
I'm also attaching My ID front and back my SSN and a bill with my name and address on it FOR IDENTITY PURPOSES. And I'm attaching A Identity Theft Report that shows that this is a real ongoing issue.
Product: Credit reporting or other personal consumer reports

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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: Debt collection

My credit infobis being reported as wrong and the account manager threatened that I would pay one way or another. My debt is not with collection company and they are only reporting bad info and not good info
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I submitted a police report and FTC report for items on my credit report that do not belong to me. I am trying to purchase a home and am not able to because of these items on my credit report. I have attached the FTC and Police Report for the fraudulent items : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX My telephone number is XXXX. These numbers listed on my report I have never had : ( 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 card

: On XXXX XXXX, 2016, US Bank proceeded to take a {$2000.00} ( the credit cards balance ) withdrawal from my husband 's bank account for a payment towards the credit card I had with them. They also took a {$320.00} as well enough as a {$25.00} withdrawal from my personal bank account. Only the {$25.00} payment was authorized. In attempt to figure out what was going on, I logged into my US bank credit card account online. First off, the unauthorized {$2000.00} payment showed up as pending and to come out 3 days Later ( on XXXX XXXX ). I called them several times to get the non authorized payments returned only to be told that they can not see the payments on there end, so they can not help and to call back on the following Monday. They also said I could only cancel payments 2 days prior to the date they were scehduled. Yet, they could n't cancel the {$2000.00} payment because " they do n't see it on their end. '' There were several calls without anyone able to help me, one lady even laughed at us. On the following Tuesday, my husband 's bank was able to decline the payment from going through. So I called US bank one more time to try to get the {$320.00} payment bank and to make sure this did n't happen again. The lady I spoke told me they would send me a check for the amount over I paid on the account, ( because on her end the {$2000.00} was paid still ) I tried to explain to her what happened and that they did n't owe me any money, I just needed the the {$320.00} to not be taken from my bank. She did n't understand, so I gave up. I went on to make sure that no more payments would go through. She assured me all auto payments are cancelled and would not happen again. Well today, they sent the {$2000.00} through my husbands bank account AGAIN. Both of our bank accounts have been tied up do to their error. We have n't had any way to pay for things all week. And now longer because they did it again. I ca n't help but wonder how many more times this is going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.
Product: Debt collection

I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX bank card XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt.

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this especially due to the current pandemic I have few options.
Product: Checking or savings account

I have banked with SunTrust for at least 20 years and have used their online banking interface for the past 10 years. I live overseas, so it is critical for me to be able to do all of my banking and bill pay online. SunTrust has been going through a merger with another bank for the past couple of years and during this time, the online banking has gradually been shifting to the new platform for the merged institution, called Truist. 

I have checking, Money Market and savings accounts with SunTrust ( now Truist ) and use both a debit card and a credit card from the institution. This is my only personal credit card and this is the only bank that I do regular business with. My salary is direct deposited into this account on a biweekly basis. 

I normally go online and check my transactions and pay bills shortly before or on the first of each month. When I tried to do this yesterday ( XX/XX/XXXX ), I could no longer log in through the Suntrust interface and was told to go to Truist. The Truist log-in page kicked me back to Suntrust. I kept getting an " invalid user name and password '' on each page. None of the customer service phone numbers work - after going through all of the prompts, a recording tells me that the wait time is over 60 minutes and then it cuts off after several minutes.

Hence, I have no access to any of my funds and no way to contact the bank. I am helpless to do anything. My bills will be overdue ; penalties will be charged and my credit score may be affected. I am a loyal customer with an excellent record and a fair amount of money with this bank. There are numerous reports on line from people having similar experiences with SunTrust ( now Truist ) and several XXXX groups have been formed to collect complaints and experiences- since there is no way to to even contact the bank to inquire or complain directly! I am outraged and a bit panicked that I'm unable to access any of my funds. Please help.
Product: Credit reporting or other personal consumer reports

Service Finance Company LLC XXXX Service Finance Company LLC is erroneously and negligently reporting late monthly payments and fees on my paid-off account XXXX XXXX. The account was paid in full on XX/XX/XXXX and shows a XXXX balance due as of XXXX, however, 3-months after the account was paidoff, XXXX added a charge of XXXX ( XXXX XXXX  ) on my account without my knowledge. The XXXX went unpaid ( since I was unaware ) and XXXX added late fees and charges until their XXXX balance ballooned to {$56.00}! Additionally they reported late payments on my credit report and as a result of their negligence, my credit score dropped significantly causing me hardships in trying to acquire new credit lines, all over a XXXX charge applied 3-months after the account was paid off! This account was opened in XXXX and was never reported late until 3 months later of being closed. 

So based on these facts I demand that XXXX immediately remove the negative tradeline being reported in my credit report so that my credit score stops being negatively affected by t heir negligence. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit  bureaus
Product: Credit reporting or other personal consumer reports

Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by General Motors. I filed a dispute online with all 3 credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
Product: Payday loan, title loan, or personal loan

I contacted the companys corporate number and the company itself in person when making a payment. The loan steadily increases, I spoke with the customer service person at the corporate office he told me he couldnt gone me the exact amount my late fees are. Its just charges on the account, I asked for a breakdown off how much I have paid they told me they couldnt tell me the amount. Its the worst place to contact and please never get a loan or line of credit from first Virginia bank, payday loans are better.
Product: Credit reporting

I have been dealing with Equifax for over 2 months about 4 accounts that is on my credit report. XXXX has agreed to delete the account off of my credit report. I have sent 2 letters from XXXX and they still have not deleted the accounts off of my credit report. The only thing they have done is restart the investigation, If I have proper documentation from the company agreeing to delete the account then that is what Equifax is suppose to do. They have restarted the investigation under the terms of validating the account, which they are n't suppose to do because I was n't asking for a validation, it strictly for the agreement that XXXX and myself came to, which is to DELETE off of my credit report. They have BOTH letters on file and they still refuse to delete off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : 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. 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.