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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting a a fraudulent Bankruptcy on my credit report. I DO NOT HAVE A BANKRUPTCY
Product: Vehicle loan or lease

In XX/XX/2022 somebody using my personal information obtain a Car Loan Financed By American Honda Finance. I found Out About This Situation When My Credit Score Went Down Significantly. I Filed An Identity Theft Report ( FTC ) and I Sent A Copy Of The ID Theft Report To XXXX, XXXX XXXX, XXXX. On XX/XX/2022 The Honda Finance Account Was Removed From All 3 Credit Bureaus. And Now Is Back On My Credit Files From All 3 Major Credit Bureaus. I made Contact With American Honda Finance Ti Let Them Now. And I Explain To Them Im a Victim Of Identity Theft. I Asked Them About What Information They Have. The Address They Have On File Email Address Everything is Wrong Today I Received From Honda Finance a Copy Of The Loan Contract. Nothing Matches With My Real Information Such Address And Signature On The Contract. The Vehicle Is Im This Case Was Purchased In Illinois And Repossessed in Florida as The Honda Finance Told Me. her XXXX XXXX XXXX From The XXXX XXXX. And Also I Had a Conversation Twice Today XX/XX/2022 they Say The Will Open An Investigation. But They Dont Know When They Wil Start Or When Im going to Receive Results. Honda Finance Already Have My FTC REPORT AND POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that EXPERIAN, XXXX and XXXX are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. Please remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

My Home depot store credit card issued by Citibank , N.A . had it's credit limit decreased which caused my credit score to drop. I was not contacted in anyway that this took place by Citibank. I was alerted by the credit reporting agency that my score had dropped due to the credit limit decrease. I contacted Citibank and was informed that they decreased my limit due to no purchase activity. I informed them that I was not made aware of the limit decrease by them and asked that the limit be reinstated. Citibank customer service stated that they have to pull a hard report in order to put the limit back to where it was. I declined the increase as it would damage my good credit and that it would drop my credit score even more. I was advised that they should have notified my that they were going to lower my limit. I then spoke with an account supervisor and was told that my account would not have the credit limit decreased again as to avoid damage to my credit report. Approx 2 months later I was alerted by the credit report agency that my score dropped again due the same issue as before with Citibank. On XX/XX/19 I spoke with an account supervisor and explained what happened again and a review of the notes from prior incident confirmed the issue. I again was told that they can run a hard inquiry to reinstate my original limit. I then requested to speak with their supervisor and was told that they do not give out that information. I again requested a contact for their supervisor and was denied the request and was hung up on. I was professional and respectful at all times during both phone conversations. These negative actions by Citibank have caused damage to my credit report. I was advised after the first credit decrease that it would no happen again and was assured that my account and limit would stay as agreed. I was told that I should buy something for a dollar at home depot to keep my account in current standing as to avoid the limit decreases. Is was given a team ID of XXXX as reference for further communication with Citibank per account manager XXXX.
Product: Credit card or prepaid card

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I was looking at my credit report and found various accounts that where fraudulent. Please help me remove them
Product: Checking or savings account

On XX/XX/XXXX I purchased a board game and all of its expansion packs for {$410.00} total. After XXXX and a half weeks of no response from the company, I emailed them about my order, as well as submitted a ticket to their website. After not hearing anything from the company at all aside from automated bot messages, I opened a fraud case with my bank Huntington National Bank. I received temporary credit and was told they would look into it. I asked if I would need to do anything further, as I was going out of town, and was told they would look into it. I came back from my trip to multiple pieces of mail from Huntington, the finally one stating the case was closed due to lack of evidence. I called to ask them to reopen it, and was strung around on the phone until someone told me they would put a note in my account to open it. I waited ~2 weeks after that, and when I heard nothing, I went into a branch. I was told to fill out a form and left it at the branch so they could send it in to the appropriate department. After filling out these forms, I received another piece of mail asking me to fill out the same forms I had already filled out at the branch. Just to be thorough, I filled out the form again and sent every piece of evidence I had in proving I never received my expensive online purchase. Not to mention the company I bought it from has since been outed in the board game community as scammers who are ghosting people and not answering requests for refunds on goods they never delivered. I received another letter in the mail saying they never received any evidence AT ALL from me, and the manager at the branch told me to wait and see if they had just missed my email and multiple letters sent in. Today, XX/XX/XXXX, they told me they are closing the case due to a delay in replying to them, which is an embarrassing cop out since anyone can take 2 minutes online to see the board game company is not filling their website orders.
Product: Payday loan

I am very disapointed with Loan Me Inc.. this is company that instead of helping people is killing with their interest of 94 %. I got a loan with them On XX/XX/2016. in the amount of {$6500.00} Just a t the begining they charge to my loan {$750.00} dls for office documents. two weeks after they diduct from my account {$280.00} and monthly payment was {$500.00} interest only. 
when I went to my account to check how much was my principal balance. I was very surprise!!!!! ... .. that from the payment of {$500.00}. only XXXX cents had went to the principal balance. 
Be Very Carefull With This Company!!!!!!! DON T GET THIS TYPES OF LOAN, BECAUSE ITS REALLY BAD RATE 94 % INTEREST ... 
I WILL NEVER RECOMENDED TO NO ONE ELSE!!!!! MY LOAN NUMER IS # XXXX NOW I WANT TO ALL OF US THAT HAD BEEN HURT WITH THIS COMPANY CALLING " LOAN ME INC '' WE CAN ALL GET TOGETHER AND BRING THIS COMPANY TO THE XXXX XXXX SUPIRIOR COURT TO MAKE IT JUSTICE.. BECAUSE IS HURTING WITH THEIR INTEREST RATE.!!!!! Please Contact me at XXXXXXXXXXXX. Thank You!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, we applied for a cashier 's check at the Chase Bank branch in XXXX XXXX. The check number was XXXX. Unfortunately, the check was later lost. Consequently, we immediately called customer service on the same day to request a stop on the check. We planned to visit the bank counter the next business day to report the lost check. However, due to the COVID-19 pandemic, all bank counters were closed, and they were unable to process our stop check request. This situation resulted in a loss of {$100000.00} for us. We have been continuously communicating with the bankers at Chase 's XXXX XXXX branch regarding this matter, but so far, we haven't received a resolution.
Product: Payday loan, title loan, or personal loan

I previously received a personal loan ( interest-bearing loan ) in the amount of {$10000.00} with an interest in a total of {$13000.00} estimated. For the first three months of the loan, I made monthly payments of {$420.00} and on the fourth month, I paid {$3000.00} towards the principal. I was told that the next payment was due five months later. I started up my monthly payments of {$420.00} with my balance being {$10000.00}. For the last year, I have made monthly payments of {$420.00} and there has been no change in my balance. I spoke with several representatives and was advised it is an interest-bearing loan which only means interest is applied to the loan, but I don't understand why a total of {$5000.00} haven't been applied. Not even a {$1.00} has dropped off when a year of payments.
Product: Mortgage

I suffered an identity theft and fell behind on my payments due to a lack of work stemming from the identity theft. I contacted my mortgage company approximately 10 months ago to try and modify the loan to help me save my home. I have received terrible communication, if and when I actually received a response from them. I have been told three different scenarios on what is required to modify the loan and Im now being told the only avenue I can go is one that would possibly put me at risk of being injured or killed. They are requiring a document to be signed by my ex-wife, whom I have proof of which explains she and her current boyfriend were the ones that stole my identity and took out life insurance policies against me.
Product: Credit card or prepaid card

In XXXX I OVER-PAID my Old Navy Credit Card account my {$58.00}. I contacted the company asking to receive a refund for the overpayment. They helped me and mailed me XXXX separate checks of {$29.00} each that I received in the next few weeks. 

So in XXXX my balance was XXXX dollars. Then the company refunded me {$58.00}. 

The next time I checked my account balance it stated that I OWED {$58.00}. 

I contacted the company immediately to point out the issue. I explained the situation and they immediately acknowledged that it was a mistake on their part. They assured me it would be resolved and my balance would be cleared to zero as it should be. They told me it would take a billing cycle to resolve. 

When I checked back in XXXX to confirm my balance was at XXXX, not only was it NOT at XXXX, they had charged me a LATE FEE. So now, they were saying I owed {$89.00}. I've contacted the company over XXXX times since then, waiting on hold each time. I've asked to speak to a supervisor numerous times and no one can ever put in me in touch with XXXX. 

Again I reached out in early XXXX. I finally got in touch with a supervisor who assured me this issue would be handled. And that again, I would have to wait to see the resolution on my account for a few weeks. 

It is now XX/XX/XXXX, my bill is due TOMORROW and I have again been charged fees and now owe a total of {$140.00}, ALL DUE TO A MISTAKE ON THEIR PART. I spent XXXX minutes on the phone today trying to resolve the issue again. 

Quite frankly, this is unexceptable and I want this issue resolved. I spoke with a woman named XXXX # XXXX who assured me that I supervisor would call me back, because after XXXX minutes no one was responding to her. 

The company recently switched over to Barclays for their credit card and since then, it has been an absolute nightmare. I feel horrible for the decent people who are just trying to do their job, but no one seems to have the authority to resolve this issue. And those who have said they are supervisors have not resolved this issue like they assured me they would. 

Now I am concerned that because of the late fees, this will be reported negatively on my credit.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : 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

TD Auto has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. TD has failed to report any payments since XX/XX/XXXX.  These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted TD Auto on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from TD saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of buying a house in doing so I order my XXXX bureau credit report history and found that there are a verity of delinquent accounts and inaccuracies across all XXXX credit bureaus that is causing my score to fluctuate significantly and prevent me from being able to get a loan for a house. According to the Fair Credit Act 15 U.S.C1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
According to this law there should not be any damages on my report it is considered to be a deformation to my character.
Product: Debt collection

LVNV Funding LLC is reporting 3 different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX XXXX reports XXXX This is in Violation.
Product: Credit card or prepaid card

I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as  my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

In XXXX and XXXX of 2020 I sent dispute letters to this Credit Bureau disputing the unverified accounts XXXX XXXX, XXXX XXXX  and XXXX XXXX! 
I did not receive a response from this Credit Bureau neither in XXXX nor did I receive a response in XXXX indicating that an investigation has not been done. it has been well past 45 days and I am not understanding why I have not received a response. The address is correct on my dispute letters and I enclosed the proper documentation to start the investigation. So I'm contacting the cfpb to get this issue resolved Andmy investigation started. It has been well past 30 to 45 days and these accounts should have been deleted according to the laws of the Fair Credit Reporting. I sent in a third dispute letter XX/XX/2020 asking for removal of the unverified collection accounts because they are 30 days past the investigation time and I have not received a response and I still haven't received a response from this Credit Bureau. please cfpb help me with this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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, credit repair services, or other personal consumer reports

i askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX fail to reply with in a timely matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however XXXX is refusing to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}