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

During XXXX XXXX XX/XX/ I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. XXXX informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted CITIBANK to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the Accounts of XXXX XXXX  ( XXXX, XXXX ), XXXX  ( XXXX ) and XXXX XXXX  ( XXXX ) are violating my rights. I disputed these errors directly with the three credit bureaus and the creditors themselves ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The companies in question are violating the sections of 15 USC : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX continue to report my student loan account with XXXX incorrectly. The account has been paid in FULL. I have sent several letters to the reporting agencies to have the balance corrected.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.
Product: Mortgage

I have {$620.00} in fees on my account, {$120.00} for a foreclosure fee that I never was advised I was ever in foreclosure. A {$500.00} appraisal fee that I was not made aware of prior to an appraisal being ordered for a review of a short sale of which still shows as being reviewed but confusing letters saying it was denied but also letters saying still actively being reviewed. The mortgage company is saying that they are not reporting me delinquent on my mortgage but my mortgage statements show I am past due of {$690.00} in addition to what my current payment is. When I review my credit report it shows degoratory on my credit report. I ca n't actually see how it is affecting my credit but my score is dropping every month. I am current on my mortgage payment. The last delinquent mortgage payment I made was when I thought I was being reviewed for the short sale in XXXX of 2014 which I brought the account current in XXXX of 2014. I have no idea how this is affecting my credit but I am getting denied loans and credit due to this mishap. Every time I have called to have this explained I get the run around and say its been escalated but nothing comes out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Bridgecrest charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX  XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my consumer report on XX/XX/21 and I have a collection account reporting that I believe is inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.
Product: Credit reporting or other personal consumer reports

I've been trying to remove a bank abuse claim on my chexsystems that has made it extremely hard for me to have a bank account with any reputable bank. This account that they have on my report was a bank account that was made when I was a minor but never made those purchases that were listed on the account before that account was closed. During this time I was a victim of identity theft as I also have reports from this time where a credit card was made in my name when I was still a minor. I do need some help in having this removed from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Checking or savings account

Please Help! 

I deposited 2 checks from XXXX into Chase Bank. However, Chase Bank is not able to verify my checks. I have all the documents and I called XXXX customer service multiple times and XXXX 's back office is able to verify everything. Somehow Chase Bank can not verify my checks. So right now, I can not use my fund, I am not able to withdraw and not able to use it. One check is {$16000.00} and another check is {$3600.00} total is about $ XXXX. This issue happened over 2 months and really affect my life. Please help!
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Checking or savings account

Sent a check dated XX/XX/XXXX in the amount of {$1400.00} to discover card for payment through the U.S. Mail. The check never reached XXXX and was washed and cashed by an individual at the XXXX XXXX XXXX XXXX. I notified my bank, PNC ' PNC requested a notarized statement regarding altered check, which was sent to them XX/XX/XXXX. 

As of this date, XX/XX/XXXX, I have not received my funds or any answer to the status of my claim despite numerous calls to the number I was given.
Product: Checking or savings account

Charles Schwab refuses to process my bank account opening request. I do believe I am being discriminated due to my national origin and I would like this issue properly addressed.
Product: Credit card

I received a credit/debit card from Cash App though never applying or having an account with the bank on XX/XX/XXXX. 

I reached out to the company several times the same week asking to close the account in which they said they would email a form to me close the account. I provided them with this info and never received an email. I called back and gave the same and several other email addresses and never received an email to close the account.
Product: Credit reporting or other personal consumer reports

I changed my mobile phone number in XX/XX/2024. I am unable to get through to Experian to have them update my mobile number. There is no option that allows me to reach a live person to tell them that I can't receive a text or telephone call to be able to access my account because they have only the prior telephone number which is no longer mine.
Product: Credit card or prepaid card

My information was used to apply for a Synchrony/JCPenny credit card without my permission on XX/XX/2021. It then was used to pay XXXX dollar also while I didn't know anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb Reference number XXXX Equfax the consumer reporting agency can not furnish my permission of written instruction According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim
Product: Credit card

After posting a complaint through XXXX they were not able to help me resolving this issue, the company keeping repeating the same statement and to me it seems that they are withholding information regarding my account. 

They keep saying that they could not verify my identity, however at no moment they requested not even copy of any documentation to prove my identity. 

They are denying access to my loan statements, they are also denying on providing a copy of my current statement so I can pay it in full, a totally lack of transparency. 

I really wish to have no business with them, although I have the right to obtain a copy of my statement and disclosed balance to pay and never hear from them again. 

I'm behind frustration as this company is the second company who is damaging my credit score. 

I receive a bunch of email and text messages and they tell me to contact them by phone, but how can I if whatever information I give to them they say they can not verify me? Insane right?! 

I just want a copy of my statement send to my address so I can pay the bill in total and end this matter permanently.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of 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. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies are reporting fraudulent accounts on MY credit/ consumer reports which is a violation of the FCRA , also my right to privacy has been violated under 15 USC 1681b
Product: Credit reporting or other personal consumer reports

there are numerous fraudulent inquiries in my report that i need to be removed as soon as possible. It's affecting my finances. Kindly remove the following thank you : XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted Transunion on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting

Ive initiated several disputes with transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX & unknown medical collections are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous.I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They will not show me any proof that they were authorized by me with my wet signature to collect debt from me they are using my private information without my permission therefore it should be removed thats identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to verify the accuracy of XXXX XXXX XXXX. This is damaging my reputation and creditworthiness. Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit card or prepaid card

i received a letter from comenity bank regarding my XXXX XXXX  rewards visa card. the letter stated that they will be closing the account on XX/XX/2022 as they are discontinuing the rewards program. my account was paid in full XX/XX/XXXX, and a {$2.00} fee was paid XX/XX/XXXX. i continued receiving billings for {$2.00} from comenity, which i called them and questioned it and they confirmed my account is closed, but a XXXX XXXX monthly fee is to be charged to keep the account open with a XXXX balance ... but the account is suppose to be closed, not open. i have called multiple times regarding the statements i am receiving, to where one call they processed a refund for {$2.00} which i did receive but have not cashed. i am now receiving a bill in the mail with an XXXX cent credit balance, but does not show where or how this credit balance happened, nor can they tell me how it happened. they are acknowledging the closing of this account but will not officially close this account therefore charging me monthly fees. the billing shows a credit limit of XXXX but a XXXX availability of credit. i just want this account closed with no more statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous letters sent to Equifax regarding unauthorized inquires reporting on Credit report. Letters sent starting  XXXX   XXXX  with last letter being sent  XXXX   XXXX , also Fraud alert has been placed on credit report.
Product: Payday loan, title loan, or personal loan

Paid off account that was not added to my credit file. Paid as agreed no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX CA XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020