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

XX/XX/XXXX I applied for a refinance, I was told that Bank of America had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe Bank of America anything. Just found out that Bank of America has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by Bank of America.
Product: Credit reporting or other personal consumer reports

I went on Experian for my credit score. Without my knowledge or consent they charged me for Experian CreditWorks Premium. I never even got an email confirming this. 
The only way I knew about it was from a charge to my bank, through XXXX. I have contacted both XXXX and Experian, was told I would be getting a refund. I have not received a refund from Experian, and the refund that XXXX gave me they took back, saying Experian has already refunded through my Credit Card on file, they did not have a CC on file. I can not reach anyone by phone at Experian, yet the email requests I have sent are returned with " We already refunded it ''. Which they have not, I have checked my bank account several times, running a search. I would love if you could help me with this dilemma. 
Thank you, XXXX XXXX
Product: Debt collection

I received a bill from XXXX over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to XXXX to file insurance. It was sent to another collection agency. I called them and told them the same. It was sent back to XXXX again. XXXX then waited several months and sent to another collection agency. I called them and told them the same. They contacted XXXX and XXXX said that it was past the 120 days they could not file insurance. I told them I was willing to pay the 20 percent of the XXXX but I would not pay the full amount because it was their mistake I did not hear from them until now. They have sent it to collections again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from SYNCB/QVC, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Product: Checking or savings account

I can not access my account details through PNC 'S website, it has not been able to be accessed for several hours. This can not be legal for them to be able to not let us access our account.They should be fined and investigated.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Equifax to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Equifax maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Equifax. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Equifax about. I'm confused, how can Equifax say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
Product: Credit reporting or other personal consumer reports

Inquires on my account that I am not familiar with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was recently doing a credit score check because I am looking into purchasing me a vehicle soon. Knowing that I have not frequently used my credit since I have been of age I assumed my score would be fairly higher or Atleast not as low as it was when I checked it out. Instead I seen that on my credit report I have collections connected to accounts that I did not authorize. Only thing the company has shared with me is that my SSN and date of birth had to have been used to create this account. With that being said I assume that my information has been taken by someone who may have had access to it for other business reason and is being used for identity theft.
Product: Credit card

After reviewing my credit report and noticed a delinquent account that I do not recognize this account. It apparently is a result of identity theft and needs to be removed asap.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am in fact writing this complaint, with purpose and is not a mistake. TD BANK is illegally furnishing unverified information with revoked permission on my consumer reports and are willfully noncomplying with my Gramm leach Bliley Act request to opt out of the sharing of my NON PUBLIC PERSONAL INFORMATION INCLUDING any alleged late payments or transaction history from being furnished. I sent in a letter with all of what the law requires under 15 USC 1666b - Timing Of Payments and 15 USC 6802 ( certified mail number XXXX XXXX XXXX XXXX XXXX XXXX that arrived XX/XX/2024 proof attached ) and received no response from TD BANK. This sensitive data being shared unlawfully without my permission is affecting my reputation and ability to receive funding for my business. TD BANK has failed to comply with both federal requirements under the credit card billing act and gramm leach bliley act, all proof is attached below. I'm submitting a comptroller and SEC complaint for noncomplying and mismanaging my security.
Product: Credit reporting or other personal consumer reports

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country on an XXXX  and used those fake titles including XXXX XXXXXXXX XXXX XXXX  on those loans as you say I started loan XXXX and absolutely have never done business with loan depot and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX XXXXXXXX as ending XXXX. Then with XXXX as cards ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX as XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX chase informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by chase supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash at XXXX XXXX XXXX XXXX still unpaid. I received notice from XXXX XXXX no XXXX that Tradelines - XXXXXXXX XXXX Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A CITIBANK ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a Citibank account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH 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 my 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 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, AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 card or prepaid card

there was {$1200.00} charged by XXXX on XX/XX/2021 from my credit card and the same amount from my husband 's card on XX/XX/2021, I disputed the double charges transaction with chase bank, they put temperate credits back to my account. On XX/XX/2021 there were rebill charges of {$1200.00} from my account, they said it was valid transaction so I re-disputed it for this charge, until today the merchandise still did not receive the return of chargeback as well. on XXXX XXXX the dispute letter from chase bank confirmed it was a valid transaction and I do not qualify for full refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have appeared on my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or consent. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts blocked and removed from my credit report. Below are the details of the fraudulent accounts : XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} CITI Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
Product: Debt collection

Called XXXX XXXX to see about a debt that is on my credit report told them to send me proof of debt the amount owed or anything representative stated no she will not. Asked if I can contact Montgomery ward to get this information she stated it was sold to us we take care of it and no we will not send anything and I stated well I do t know if it's mine I'm not paying it ... representative them stated we'll don't pay it. If I can't get proof the debt is mine it needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have previously submitted a complaint through CFPB, number XXXX. As of this date my complaint has not been resolved. I have not done any business with or requested any extension of credit from : XXXX Dated : XXXX ; or XXXX XXXX Dated : XXXX ; or XXXX XXXX Dated : XXXX. These inquiries are a violation of my consumer protection rights. I am attaching an FTC Report and I.D . documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for help several times regarding the Discover Credit Card debt and the credit card company and all three credit bureaus are reporting this {$220.00} as a bad debt. I tried to convert a XXXX XXXX to XXXX XXXX in 2018, however, upon federal court date the judge indicated I did not qualify to convert and had not satisfied the allotted time, therefore debts are valid. Discover is still reporting XXXX, although it was a secured card, I did not receive my {$200.00} deposit. I was told it was applied to debt and I still owed {$24.00} and I paid it in order to report as PAID IN FULL ON MY CREDIT. Please help Im trying to purchase my first home in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to obtain report after credit denial.Equifax online services led me to print what was titled Equifax Credit File which was more advertisement for their credit score service rather than my report. Apparently my access to the report was timed out before I realized this wasnt my report at all. Customer service is a hamster wheel via online or telephone. I started an online chat today XX/XX/18 with customer service agent XXXX whos service provided me with a link back to the hamster wheel, then ended the chat. I thought I was entitled to a mailed copy my report should I be denied credit. Thank you for any help you may be in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been a loyal BMW owner for nearly two decades. I am now trying to buy a house and my lender informed me that there are a few late issues being reported on my credit by BMW that is severely impacting my loan rates. I basically live on an airplane for work and consistently use the automated system to pay my bills not only for the current month, but more often than not for the upcoming month in order to avoid situations like this. I was not notified by any person that there was a detrimental lag in payment. It appears that I have 3 different 30 day 'late ' considerations and one 90 day 'late ' reported. Even throughout Covid I never asked for any of these to be removed when you couldn't get a hold of a representative most likely due to poor staffing and I used their automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very briefly, XXXX failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ).

Dispute 2 : Wells Fargo prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to XXXX ( `` XXXX '' )
Product: Debt collection

both of the following accts are reporting. this acct was a lease set up fraudulently. i never agreed nor signed agreements for these accts : they sent me copies of contracts and signatures arent even close to mine. they are fraudulent accounts : XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX ** ACCOUNT INFORMATION DISPUTED BY CONSUMER ** ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ** ACCOUNT INFORMATION DISPUTED BY CONSUMER ** ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was XXXX in XXXX of XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the XXXX breach in the news ( XX/XX/XXXX ), I went to the FTC 's own website for guidance how to freeze my and my wife 's credit reports ( aka " credit freeze '' ), and it listed three companies which one must contact to implement this, XXXX XXXX  and TransUnion, also provided their phone numbers. I called each them and successfully navigated their phone prompts, and implemented credit freezes for both of us. 

But when I called the third company, TransUnion, using the number provided by the FTC 's own website ( namely, XXXX ), I had a very peculiar experience. Instead of being asked to use various voice or keypad prompts to enter my info so as to implement a credit freeze, I was tested to an outrageous series of something 12-15 advertisements. Yes, I had to sit there through one 30 second ad after another after another, again and again. One for XXXX television network, one for a single club, one for trips to XXXX or something, another for insurance, etc. all the while patiently waiting for when the credit freeze part of the call would commence, so I could implement my credit freeze. It never came. 

So I went to TransUnion 's website and tried to implement a credit freeze via its website. It did. It work. 

How come the FTC is advising consumers to use a phone number for commencing credit freezes which is really a vehicle for a series of terrible ads, with absolutely zero about credit freezes? Something is very wrong. Has no one at the FTC checked its own info? The website carries a copyright date of XX/XX/XXXX, which is old and may need updating. Has anyone in an executive position at TransUnion ever tested their own number? What a horrible consumer experience on a critical topic these days. It is really legally irresponsible, and frankly, I think that TransUnion is open to legal liability if consumers are not able to implement credit freezes in light of what happened this week at XXXX. This is important.
Product: Mortgage

XX/XX/2021 partial payment was made to NewRez they put a 30 day late notice on my credit report even though they accepted my partial payment. It was not late just not full amount paid and the full amount was made right at the 30 day mark. Please remove the 30 day late payment off credit report. NewRez policy is not fair and they should not have accepted a partial payment and then get me for 30 day late. Their statements are also confusing and amounts changed a few times, late fees applied where not warranted. My bank statement shows payment
Product: Debt collection

I am Submitting a complaint against Aldous & Associates and XXXX XXXX XXXX XXXX Account is reflecting a new account reporting a collection for an Account that was closed more than 3 years ago. This Resulted in my First Delinquent Mark in my credit history With a 35 point deduction. 
I have not been provided any requests for collections via Mail or Email with a receipt. 
The XXXX XXXX XXXX and Aldous & Associates will not even allow me to pay or provide me information on my account. This includes past receipts, the companies involved did not provide any of these either.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # 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 XXXX  XXXX, XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The two of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  # XXXX, 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: Debt collection

Jefferson Capital System is violating my consumer rights by using false information to mislead and deceive. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation listed. I would like for them to pay me or delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account from XXXX XXXX XXXX ( Date opened XX/XX/XXXX ) that should have aged off my report and is showing as recently active and delinquent. 
The account 's last activity was more XXXX years ago ( XXXX ), but Experian recently started reporting it as on time in ( in XXXX ) and then XXXX days lated and charged off ( in XXXX ) after XXXX years indicating NO DATA. This is a gross error.