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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/2023 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The following account names and number as listed on my credit report ; XXXX Assistance # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. The XXXX XXXX XXXX # XXXX have all violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 or information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15U.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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently has two credit files for me. Both file are mine with social security, number DOB, Name address. I have asked them to merge files and they refuse. This is a on going issue for the last three years. This occurred after the data breech they had.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX 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 those account 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 Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 reporting, credit repair services, or other personal consumer reports

Last year I had 2 incidents of identity theft resulting in hard inquiries from both XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX was XX/XX/XXXX, while XXXX was XX/XX/XXXX. I have worked with both companies and both have repeatedly sent information to Equifax to have the inquiries removed. Both have sent me letters, which I have sent to Equifax. When I have spoken with the companies I have been told it could take 90 days to have the inquiry removed. I have waited those 90 days 3 times without results from Equifax. My first contact with XXXX XXXX XXXX was on XX/XX/XXXX, again in XX/XX/XXXX, and again on XX/XX/XXXX. During my last contact with XXXX I was told they would escalate the matter and to wait 30 days. That was on XX/XX/XXXX, but the hard inquiry remains. I have twice disputed it personally with Equifax, with supporting letters from XXXX XXXX XXXX and XXXX. Equifax keeps responding they do not remove hard inquiries based on individual disputes. I have called Equifax with the same refusal for any resolution. I have also filed a police report regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX, and XX/XX/2020, I submitted request for the bureaus and all parties involved to verify that collection accounts on my credit report were accurate. According to the FCRA, everything on my report must be accurate and verifiable. How am I supposed to know an account is mines if they don't even have the original creditor 's name listed on the account? I literally have no idea who is reporting this inaccurate information on me! I called into Equifax and spoke to the woman for 20 minutes, after making me verify certain accounts and balances, she then proceeded to tell me that despite my letter from XX/XX/2020 being certified sent and showing as delivered, they a=had n't received that letter or any of the other 3 letters I ; ve sent this year. If that is the case, then how can they possibly be showing certain accounts as Disputed by Consumer??? I told her this was a iolation of my rights and she said if I didn't mail in my social security card they would not dispute the accounts. She wouldn't even let me file a dispute over the phone!! I have been treated very unfairly by Equifax even though they are reporting these things inaccurately and have failed to prove to me through investigation results why these things are still on my credit reports. If there is room below I will be attaching all letters sent and screenshots of these accounts on my credit report where there is no name of the creditor listed. These items I want removed from my report because they are harming me from getting into my first home.
Product: Credit reporting or other personal consumer reports

In XXXX I requested a lower payment amount in so that I would not become delinquent in my payments. I have had a perfect repayment history for over 10 years. 

I verified with the Agent I spoke to that my credit would not be impacted. 
They lied. 

The company showed dual reporting on my credit report. " Paid as Agreed '' but 30 and 60 days late in the detailed reporting. 
The impact to my score has had major negative and domino impacts. 
I was unaware of the delinquent reporting when I purchased my car and qualified only for a double digit interest rate. 
Other Creditors have lowered my credit limits which lowered my utilization, which lowered my score even more. 
Mind you I have never been 30 days late with any of the payments. 
I called the company and was told it would take 90 days to correct. They would not give me a letter to dispute on my end. As of today 2 of the 3 bureaus are still showing the delinquent reporting
Product: Debt collection

I have been receiving numerous phone calls from PHEAA. I am already under wage garnishment so there is nothing further to gain from these calls. I received a call last night which I answer and immediately put on hold. I was at work and could n't stay on the length they deemed neccassary after calling me. They called again this morning. I called back and was met with a woman with a terrible attitude. Hung up called back a second time and spoke with another woman and asked for this to stop. Was just called again the person straight told me he had nothing to say to me and nothing to resolve. Spoke to the supervisor and asked for the calls to stop. Was told they were automatic and no way to promise the calls would stop. I was also told this was not harassment. I do n't understand how not? They call me several times a day and when I do speak to them it gets nothing resolved. They call late at night and early in the morning. It is making sleep and work difficult to have so many phone calls coming at any hour.
Product: Checking or savings account

I opened this account because I received their promotion email claiming that I can get {$500.00} bonus after saving {$15000.00} for 90 days, however, I didn't receive any bonus at all after qualifying their terms and after more than 6 months, and their response is this promotion is not addressed to me. How possible this is not addressed to me, it is my email associated with their bank.
Product: Checking or savings account

I took 3 month vacations on XX/XX/XXXX, when I back to XXXX on XX/XX/XXXX, when I login in my account, my account is disable, I cant even login in my account! Then next day I called chase bank, they told me my account its been shut down, I ask them why? They been told me they can closed my account for any reason any time! 
Im so confused, I have not do anything, why they closed my account! I feel so sad, I really wan na know why they closed my account! I have one personal account, the other one is join account, I was open with my gf toghter! please help me find out why they closed my account! Thats really ridiculous, I did not do anything wrong why they do it! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2022 I noticed my mortgage payment went from {$540.00} to {$1900.00}. I called them to find out why and was informed that my property taxes increased. I called the state, who informed me that the mortgage company made a mistake and charged me too much. I sent the tax information to my mortgage bank and was told they would run a new analysis. I called back multiple times and was told they havent gotten to it yet. XXXX XXXX of 2022 the bank called me to tell me they had made a mistake and my payment would drop back to {$590.00} but not until XX/XX/2022 and I was responsible to pay the higher payment and back payments. They chose to enroll me into their loss mitigation program but sent the forms without my knowledge while I am away from home for work. They would not send new forms where Im stationed for work and decided to stop the loss mitigation program for me. They have admitted to fault but are still charging me {$1900.00} and have destroyed my credit. This is a loan with XXXX XXXX, I have spoke with them on numerous occasions with them telling me there is nothing they can do and I just have to deal with it now.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit age on all 3 of my credit reports are incorrect I have been a XXXX XXXX Member since 2017 and XXXX XXXX experian is showing I have only been a member for 7months and I want my information updated correctly to 6yr credit history
Product: Credit card

On XX/XX/2023 I received an email saying that my bonus reward of {$200.00} was applied to my account ending in XXXX. I believe this was the advertised promotion of {$200.00} applied once you spend XXXX  on your new credit card. I never received the credit. 

The email is attached and said : Bank of America. 

Your bonus reward has been applied to your account Credit card ending in XXXX Your bonus reward of {$200.00} has been applied to your account. Your award will appear on your monthly billing statement. Refer to your rewards program rules for redemption timing and options. 
Keep using your card for purchases in store and online, and continue earning base rewards. 
You can review additional details about your account in Mobile or Online Banking.
Product: Credit card or prepaid card

I was making a Bank of America credit card payment on XX/XX/2019 when the process became longer than usual. Because I paid from another banks checking account in the past, I usually asked if I want to use the same bank for payment to make it a shorter and quicker process. Instaead on this date of XX/XX/2019 around sometime in the after noon California the I was prompted to give all the outside bank '' s Iinformation - Routing and account information, which the bank would remember from past and not ask for in detail. I called later to ask a representative and she said it was a system wide glitch. She seemed nice, but did not say it would be present to the public as a notification to be aware of as happening are shared with CFPB. So I am reporting it and hopefully actions and methods will go back to a use the reflects retention of secure information and hint identification for smoother and secure transactions and future use.
Product: Debt collection

I noticed this data on my credit report. I called this company several times, but they could never find my name or account. They are still reporting this as a collection, but have never received any communication from them, yet they claimed it's verified, but I have no proof that this account is actually mine. 
Initial complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} IR XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XXXX XXXX, I received a new TransUnion credit score through XXXX that reflected a XXXX point fall from XXXX for XXXX XXXX to XXXX for XXXX XXXX. 

Alarmed, I pulled my credit report from all three credit reporting bureaus reflecting the following scores ( image attached ) : TransUnion - XXXX XXXX - XXXX XXXX - XXXX I spoke with a TransUnion representative, who indicated that the root cause of my score was the fact that I " have no credit history '' as my bank, XXXX, ceased to be a TransUnion " Subscriber '' and does not report credit data to TransUnion. 

In speaking with XXXX, they have not provided data to TransUnion since XXXX XXXX. 

I tweeted this complaint to XXXX XXXX and @ TransUnion. please see https : XXXX The TransUnion score impacts my financial metadata associated sold and shared with numerious parties. As such, I believe this inaccurate score is unfair and TransUnion should not share or sell this data or any data associated with my profile.
Product: Debt collection

I keep getting calls for settled debt from one Check and Go loan that I took out in California.

Every 6 months I get random and different debt companies going after this same debt.

I have ready settled this debt in 2019 and have a PIF letter. I keep getting calls from companies threatening to sue or report to credit bureau. The debt is also past statue of limitations. 

Lasted calls are coming from XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2024 cash app closed my account and stated it was due to unusual activities never used my card for anything unusual, however it was my rent money and it caused me to be behind on rent and faced with eviction. My direct deposit was set up with cash app and it frozed my money for 3 months and I lost hours from work as well due to no finances to travel to and from work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud XXXX account on Experian file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld System I is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.