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

" The Heroes XXXX ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during Covid- 19 by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Experian is XXXX with XXXX and was delivered on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have disputed through XXXX  XXXX, XXXX. It comes back accurate for this account through Comenity bank/ Victoria account # XXXX Amount {$480.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Product: Credit reporting or other personal consumer reports

i have a collection account, this collection is inaccurate and Transunion, update the information, this is illegal under FCRA, they can not update the information if it wrong.They have to deleted, Right now the changed the status on previous dispute form Open status to Closed, and reverted one more time. also shows the creditors name as the same as Collection account XXXX, XXXX and XXXX, Creditor name is different, and has to be removed from my account under these codes : 15 USC1681S-2 AND 15USC1692G, HAS TO BE DELETED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is at it again with Negative Option subscription plans. 

Background : Today, XX/XX/XXXX, I had just gotten an employment offer that was contingent on a background check. I consented to the check via an online provider, and there was an alert immediately generated on my background check about a name mismatch. So, I created accounts with all three credit reporting agencies to dispute the name attached to my credit report ( it just hadnt been updated from my maiden name ).

Of the three CRAs, TransUnions signup was by far the most opaque. I was funneled to a single option when I clicked on their credit report tab. Nowhere was it clearly or prominently disclosed that a fee would be charged or that I was enrolling in a subscription plan. I was a bit uneasy inputting my CC info, but since one of the other CRAs had classed my free credit report as an order and I had gone through a checkout process, I was primed to think this was the same, and that my CC info would be stored for optional account upgrades or something. The only reason I found out that I was being charged and had been enrolled in a subscription plan was via the receipt sent to my email. {$24.00}! A month! Nowhere in the checkout was a price mentioned, or a subscription. I would call any transaction whose amount is only clearly disclosed after payment completely deceptive, unethical, and illegal, per CFPB findings in XXXX ( page 11, line 37 of the Consent Order ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint and I am asking for further assistance in order to eliminate these particular items in question which are reporting repeatedly on my credit file. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. For that, I am hopping for your help to delete this items : XXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX  XXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX Unpaid Balance {$16000.00} ; XXXX XXXX XXXXXXXX Unpaid Balance {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally entered into a FHA loan with XXXX XXXX  along with my son for a mortgage but there were financial problems so a loan modification was granted by XXXX. I chose not to participate in the loan modification with XXXX XXXX  but my son entered into an agreement for a loan modification with XXXX alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from XXXX as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.
Product: Money transfer, virtual currency, or money service

I bought something from a merchant in XXXX and used Paypal to submit the payment, on XX/XX/XXXX in the amount of {$1700.00}. 
Months later, in XX/XX/XXXX, after there were issues with the merchant delivering the products I tried to dispute the funds sent via Paypal, who claimed they can not since it is after XXXX days. I then proceeded to dispute the charge through my bank, XXXX, who initiated a chargeback for lack of delivery of goods. 
After about a week or so I was able to resolve the issue with delivery and after I received the goods I contacted XXXX to resolve and cancel the chargeback. I received a letter from XXXX on XX/XX/XXXX that the chargeback was cancelled. However, it is almost a month from cancelling the chargeback and PayPal still has not sent the money to the merchant.

I contacted Paypal through their messaging service on XX/XX/XXXX, and XX/XX/XXXX, and sent them the letter confirming the cancellation of dispute but they claimed there is nothing they can do and it is a " back office '' that deals with this and it takes time. 
I called chase again on XX/XX/XXXX and they confirmed that they notified Paypal of the reversal of the chargeback and all paypal needs to do is forward thgis information to their bank to receive the funds, which they may or may not have done.

Nonetheless, they are still pursuing my vendor/ merchant to recover the " disputed '' funds and it is affecting my relationship with him greatly
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the EXPERIAN and to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' and physical firsthand documentation of the payment history but as of the moment no information received. 

I contacted my courthouse and I was told that they do not report ANY legal items to ANY credit bureau directly. Which means someone else gave this information and I want to know whom it was. 

I had also requested the actual proof but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXthere were two hard credit inquiries. 
One for XXXX XXXX One Another for a XXXX card. 
That was not me I lost my social and Id about a month ago I didnt put a freeze on my crediybecause I figured I would find them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name and is using my ssn but a different address and I cant seem to get it out of my report. I already disputed it and they respond with updating the address that is not mine. I am still seeing the same info that dont belong to me in my reports. This has been going on since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am a victim of  XXXX XXXXXXXX XXXX Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXPLEASE REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX XXXX XXXX EXPERIAN XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

These inaccuracies are stopping me from applying for loans and getting better housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use my FCRA rights with all three credit bureaus ( Experian, XXXX and XXXX ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, EXPERIAN, XXXX and anyone else 's that would listen I want AGAIN after I sent letters two months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan with the well fargo bank, it is not reporting in my 3 credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Kohls charge card holder for many years. In XX/XX/2018, there was a mix up between mine and my husbands cards and he accidentally used mine rather than his without my knowledge. ( Did you know you guys have sent me SIX new cards in the last year?? SIX. Its no wonder he grabbed one of my SIX Kohls cards that I never requested. And how troubling that the cashier didnt ask to see an ID as the card only has my name on it and says to SEE ID. ) Due to not knowing that I was carrying a very small balance on my card, it went unpaid resulting in a negative impact on my credit score. In this time, I have not received ANY phone calls, or notices that there was a past due amount that needed to be taken care of. I was just in the store last week and used the card and nobody told me then, either!!! I had the funds to pay to small amount due had I known about it. No notices, no phone calls, nothing in the mail. I am requesting that Kohls removes this late payment from my credit report. I have been a loyal customer and without this being removed, I will be forced to close my account. I can not do business with a company who lacks severely in communication with their cardholders!
Product: Credit card

Several months ago I was making a XXXX reservation and enrollment in XXXX program. Attached with the XXXX program was a promotional offer for a Chase Credit card that would have provided bonus miles as part of the XXXX program. I did not purchase the airline ticket and canceled the reservation. I believed that the XXXX program was not completed and also assumed the credit card application was voided because of that. I never received the Chase card but am being billed for initiation of an account. I advised the card company over XXXX month ago of this situation. Now, they are billing me {$100.00} for the card initiation as well as late charges. How do I get these charges canceled for the product ( credit card ) I never received, for services I 've never been provided, and having purchased nothing against the card?
Product: Checking or savings account

I received an email from Chase regarding a new money incentive with a coupon code included that expired XX/XX/XXXX. When I went to open the account via the link it confirmed the coupon was accurate and allowed me to move forward. When I as an existing Chase customer used my credentials to login, it then told me the Coupon Code Expired. 

When I called customer service at XXXX XXXX  CT, I spoke with a representative who fielded my issue, placed me on hold to speak with a supervisor and came back on the line. 

She said the only thing they could " come up with '' was that I received a new checking account bonus on XX/XX/XXXX. They said since I received one within the last two years I was ineligible. 

The language on the email with the coupon for the offer reads : " You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. '' The language clearly states it is based on the enrollment date, not when the bonus was received. The enrollment date occurred prior to when the bonus was received. 

I was then put on the line with another supervisor who was explained the situation. The supervisor apologized for the inconvenience and said there was nothing she could do, other than tell me to visit a branch tomorrow, XX/XX/XXXX. 

I explained to her this was unsatisfactory as I would then no longer be able to meet their terms as the offer expires today, XX/XX/XXXX. 

I explained to her this was unacceptable and I would be opening the accounts today so as to adhere to the terms of the original offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account no XXXX XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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
Product: Credit reporting or other personal consumer reports

Experienced had failed to fulfill the legal obligations under the Fair Credit Report Act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures aligns with my experiences were Experian had neither corrected nor removed disputed items despite the evidence I provide causing ongoing harm to my credit standing. I am requesting immediate actions to remove or amend the disputed accounts. As Experian inaction violations federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Experian has failed to remove fraudulent accounts and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : 1. Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Experian must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : * XXXX XXXX  Account XXXX  : XXXX - XXXX : {$1700.00}, Opened : XXXX XXXX. Re-Insertion of Fraudulent Account in Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Experian has unlawfully re-inserted a previously removed fraudulent account without following the proper certification process or notifying me as required by law : * XXXX XXXX XXXX XXXX Account # : XXXX - Balance : {$800.00}, Opened : XXXX This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit.

3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer ReportsExperian continues to furnish my credit report to third parties, such as Clarity Services , Inc., without my written consent, in violation of 15 U.S. Code 1681b. I did not authorize the reporting of the above fraudulent accounts, and this constitutes identity theft. Reporting these accounts without my written consent is a direct violation of federal law.

4. Failure to Block Fraudulent InquiryExperian has also failed to remove a fraudulent hard inquiry on my report, despite clear evidence of identity theft : * XXXX  XXXX XXXX Inquiry dated XX/XX/year> XXXX. Failure to Provide Physical Verification as Required by FCRA Section 609 ( a ) ( 1 ) ( A ) Per FCRA Section 609 ( a ) ( 1 ) ( A ), Experian must provide physical verification of the original signed consumer contract for any account listed on my report. Experian has failed to provide verifiable proof for the above accounts and the inquiry, and as such, they must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was directed to XXXX from Equifax because I could not find it directly on their website. I received a report and read through it XX/XX/XXXX. In the personal information section my date of birth is incorrect. 
The only employment listed is a place that I worked at three years ago and is no longer 'current ' as the status states. 
There is a bogus address of : XXXX, XXXX XXXX XX/XX/XXXX. 
Also the date of me living in XXXX  is incorrect but I have lived in that city. 

After seeing all of those inaccuracies I looked through the rest of the document to find my right to dispute incomplete or inaccurate information under the Fair Credit Reporting Act as it is listed on the report. Equifax did not direct me to dispute the inaccuracies with them directly but instead provided this internet address : www.consumerfinance.gov/XXXX
Product: Credit card

Trans Union is discrimating against me & purposely posting INCORRECT information on my credit report! I paid {$4000.00} on XX/XX/2024. TRANSUNION deducted XXXX points from my credit score. Trans Union needs to be investigated by Congress in DC for discrimated against me! I PAID {$4000.00} DOLLARS on my credit card & my score was deducted by XXXX points. 

This is BLANTANT DISCRIMINATION AGAINST ME! Please investigate Trans Union for thier ongoing discrimination against me!
Product: Mortgage

I had 2 mortgages.

Second mortgage lender ( XXXX XXXX ) went out of business ( filed bankruptcy ). 
His successor Lasalle Bank is lien holder on my property since XXXX 
I have never received any request for payment. I never paid that portion. 
I am trying to sell the house and I can not find Lasalle Bank nowhere.