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

I have new & updated information on XXXX, Equifax, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent Equifax, XXXX, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )
Product: Credit reporting or other personal consumer reports

Accounts in the adverse reporting were reported to Transunion, XXXX, and XXXX. I tried to see if the the accounts were removed. All of the accounts were listed as closed and are now affecting my credit. There were no letters or correspondences received from the original companies. There were letters received from collection agencies, which were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act XXXX XXXX  Account # XXXX that is reported twice violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report it is a fact, I the Consumer am aware, that XXXX XXXX as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

A financial institution such as XXXX XXXX in accordance with the definition under 15 U.S. Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement in accordance with 15 U.S. Code 1637a pursuant to 15 U.S. Code 1681 ( 7 ) ( B ) ( ii ). I, XXXX XXXX, did not receive such notice and thus XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with these accounts must be removed.
Product: Debt collection

I have never received a written notification from Blakely-Witt an d Associates, Inc. t hat I owe   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX .   More importantly, I have never received any written notification from them , Blakely-Witt and Associates  that is, advising me of my right to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry in my account from XXXX and I am not aware what this is from. This provide has no contact information reported.
Product: Payday loan, title loan, or personal loan

I took the loan out from this company but was not aware the interest rate was 99.22 % I have already paid almost XXXX into this loan and this company is expecting me to pay them XXXX dollars I don't have this kind of money and I'm not gon na give them my car I need help with this please help..
Product: Credit card or prepaid card

The XXXX department sent the money to the program, USReliaCard, and the USReliaCard program from Florida has my money since XX/XX/2020. Total amount {$6800.00} but the card is blocked by https : //www.usbank.com/business-banking/business-services/business-prepaid-cards/government-disbursements.html USbank ReliaCard Cardholder Services XXXX. XXXX  XXXX XXXX, Florida United States Phone : XXXX, The ReliaCard is issued by U.S. Bank National Association pursuant to a license from XXXX XXXX XXXX. or XXXX XXXX XXXX. Mastercard is a registered trademark and the circle 's design is a trademark of XXXX XXXX XXXX. 
The 1st card I would not activate so I had to wait for a second card. It usually takes 5-7 business days for the card to arrive. I was told that I needed to fax in a copy of my drivers license, my bills, and provided my full SSN number, and it would take 24 hours to be activated. I faxed these documents several times and I have not been availed to have access to my funds. My family and I are homeless, with one of my children who are XXXX, I have back bills and this company usbank-reliacard know this and they don't care. I have already filed several complaints with many managers and they don't care and even one of them named XXXX was laughing at my situation. Please do something about it.
Product: Credit card

I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. 
I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! 
They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. 
But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear 1st Franklin Financial, Im writing to dispute incorrect information on my credit report. Specifically : Account Name/Number : XXXX Or it could be found using my birthday XXXX XXXX. I am requesting a 1099 form in accordance with the charge-off you have on file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Keeps changing the status of this account from included in bankruptcy on XX/XX/XXXX report to a chargeoff on XX/XX/XXXX then back to included in bankruptcy as of XX/XX/XXXX report now currently back to chargeoff on XX/XX/XXXX without sending me any change of status notification nor proof that XXXX is sending this information to change. Next violation excessive reporting CO for years, XXXX violation reporting a balance on a charged off closed account. There is no bankruptcy so they just take it upon themselves to change the status on your own without any documentation from XXXX telling them to do so. Thats not right and fair. I have requested documentation several times and they have failed to provide me requested documentations from XXXX. This is and old dead account that XXXX wrote off.
Product: Credit card or prepaid card

To, Bank of america CLAIM ID : XXXX You have closed the dispute of XXXX stating that the merchant has provided the credit. Merchant has not provided the credit. The credit of XXXX is for a different transaction of XXXX. I tried to re-open the dispute by calling customer support, but they refused to re-open it. I send them XXXX fax about the issue, they do not respond as well. 
Please continue the dispute of XXXX for the transaction XXXX XXXX. 
Provisional credit is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXXand should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Product: Debt collection

A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. 
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. 
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. 
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.
Product: Debt collection

I had a Garnishment Hearing Decision on XXXX XXXX, 2015, from the Department of Education, for my Student Loan Debt..They decided that I owed {$24000.00} for the outstanding principal and {$13000.00} in accrued interest. The Dept. said to call them to make " reasonable and affordable payment arrangements. " ( see attached documentation ) When I called the Dept. of Ed today, they referred me to a collection agency " FMS Investment Corporation ''. I called FMS and a man told me that I owe them " {$47000.00} ''. I pressed this man to answer where the extra {$10000.00} in debt came from, since the Dept. says I only owe {$37000.00}. The man said it was in penalty and collection fees. I told him I would get back to him after talking to Senator XXXX office, because something did n't sound right. XXXX XXXX in the Senator 's office referred me to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the credit bureaus have the wrong social security number for me so I am unable to access my credit report and the bank cant even give me a loan because my ssn doesnt match the on the credit bureaus have.
Product: Money transfer, virtual currency, or money service

Had money sent to me on XXXX. My account said click here to enroll and recieve money. No matter what I try it will not send the code. There customer service told me it's an issue on there end showing my carrier is disconnected. They said there is nothing they can do. They refuse to refund the that was sent to me.
Product: Credit card or prepaid card

I recently purchased an engagement ring for my fianc but once Covid-19 surfaced I was unable to make payments and immediately informed XXXX XXXX about my situation. I was able to have my payments deferred until XXXX but I still willingly make payments when I can. In XXXX, XXXX XXXX attempted to take money out of my account but there was no money because I was not working. I incurred a returned check fee from my bank because of this. I called my bank ( XXXX XXXX ) and explained my situation also stating that I explained my situation to XXXX XXXX as well and they understood. Therefore, my bank removed the fee because XXXX XXXX deferred my payments until XXXX and understood my situation. 

I discovered that XXXX XXXX tried to take a payment because I was still set up with autopay. So, I immediately called XXXX XXXX to have myself taken off of autopay. When I was able to gather money, I paid my bill for the month on XX/XX/2020 although no payment was required. A week later, I received a notice saying that funds ( which were available ) were returned to my account. I figured there must have been an error somewhere, so I once again paid my monthly bill on XX/XX/XXXX. This payment was successful. 

XX/XX/XXXX, I was notified that my XXXX credit card was put on hold and I was charged a returned check fee. I called my bank and asked why the payment was not successful the first time when I definitely had funds in my account and they said they put a stop payment on my account due to the crises. I asked to have the stop payment removed and I immediately called XXXX XXXX to let them know what happened because I had now incurred a returned check fee from them due to this unforeseen situation. I explained the situation to the young lady representing XXXX XXXX and she assured me that the fee would be removed since there was a misunderstanding and the hold would be lifted on the card. 

Earlier this week, XX/XX/XXXX, I saw that my statement for XXXX still had the returned check fee on it after I just spoke with someone about the issue. I called XXXX XXXX again and was severely mistreated by a representative named XXXX. He continued to belittle me by making it seem as if I did not know what I was talking about. I then asked for a supervisor and had an emotional breakdown mid conversation because I am trying to support my family during this pandemic and continue to be a great customer yet the XXXX XXXX employees continued to say that it was my fault that I incurred the charge and they refused to remove it. I brought up the fact that I was lied to about having the fee removed and the blame continued to be placed on me. 

Therefore, I want to report this issue to prevent it from happening to anyone else, especially during the tragic times that we are facing. I also would like to have this fee removed from my account. I would greatly appreciate having this issue investigated. Thank you.
Product: Credit card

I have a Visa Gold ending # XXXX with PenFed Credit Union ( XXXX, VA ) - that has an autopayment in place for years, however PenFed with number XXXX continuously call me in regards of a past due balance. According to the XXXX, the autopayment is ACTIVE and payments are debited from my checking account. In addition, I made sporadic payments to XXXX the outstanding balance. Why am I getting these calls about past due balances when XXXX t is supposed to debit at least the minimum balance every month from my bank acct. Furthermore, they reach out to me and expect me to provide full details/or personally identifiable information ( PII ). to them in order to disclose the purpose of the call.
Product: Student loan

ny student loan was sold to a company called navient the problem is when i pulled my credit report they have my one student loans listing under several items making it look like i have numerous amounts of loans the loans were taken out in XX/XX/2007 after i applied and stated to them i could not attend if it was not only with grant money, XXXX stated back to me lets not worry about the money right now just get you enrolled. that they did now i am so far in debt and XXXX that i can not pay them back but yet they harass myself and my XXXX mother for money they know we both do not have.i just want them either removed or condensed into one item on my reports so as it doesnt look as bad to someone inquiring about me.this has cause much problems between my mom and i being she is a co-signer because i had to take the loans or would not have been able to keep going to classes. so not fair. please help me. i was XXXX when i applied for school to start with an i made sure they knew it. its been 9 years now and they still call they still write letters and they still post repeated items on my report to make it look worse then it is.XXXX year out XXXX XXXX women in america doesnt get a break she get taken.shame how it works out.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments on XXXXXXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-day late payment in XX/XX/XXXX. 
30-day late payment in XX/XX/XXXX. 
These inaccuracies directly conflict with my payment history, which reflects on-time payments for the periods in question. Additionally, remarks indicating, " Account has been closed due to inactivity, '' do not align with the account 's status as " Paid. '' Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report for this account. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

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

I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An undersized inquiry was placed on my credit report I used a Wells Fargo link that stated there be no impact to my credit rating to find out my interest rate for a potential loan
Product: Debt collection

The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.