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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$4600.00}
Product: Checking or savings account

I deposited XXXX checks ( {$1000.00} each ) to my account at Santander Bank on XX/XX/scrub> 2025. They were debited from the check writer 's XXXX account on XX/XX/scrub> 2025. My bank, Santander, had me submit a notarized letter that the funds were legitimate. Which I did on XX/XX/scrub> 2025. ( To the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX  XXXX, NY ) I have still not been credited the funds and the check writer has not had funds returned. I just spoke to Santander 's " executive '' office ( XXXX ) ( XXXX ) and she informed me that they are awaiting a hold harmless letter from XXXX But XXXX said the funds were already credited to Santander and that there would be no need for a hold harmless letter. In addition, XXXX told me that the letter I submitted was not notarized. It was. She claims to have made a note of that in the file. In addition Santander Bank said they were closing my account due to fraud and would return the remaining amount ( just over {$100.00} ) via check to me. When i just called I was told I had to go into the branch to receive those remaining funds. On several occasions the " customer service '' representatives hung up
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX XXXX XXXX XXXXXXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Debt collection

Equifax has been reporting wrong information on debt I made several attempts to fix this issue but no success
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX  Account number 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 an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called transunion XXXX to tell them that for 4 years I have no access to the app The app is claiming that Transunion can not identify who I am which is incorrect. To only hear the reason why I have not been able to use the app is because I have to pay to see my information, an app is 2020 version of a website. Majority of people do everything from their cell phones in todays society no need for laptops. So now We the people are being extorted for access of our own information through the app. This is a violation of the FCRA. And should be held accountable. Trans Union is recommending that I go to a website that is government mandated for one free credit report the problem with that is TransUnion will never be held accountable for their miss deeds they will point the finger at the site and the site will point the finger at Trans Union ( I have had enough of that game ) 4 years and over 5000 calls of it.
Product: Debt collection

Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
Radius global solutions XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX for reporting a inaccurate balance on my Discover Card account. XXXX removed the account completely. I called XXXX and the stated that discover was not reporting to them- however Discover proved the were reporting to them. 

I need Discocver to show on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Checking or savings account

I had called money lion to confirm my account was in good standing with them which they confirmed days pass I active my card add {$200.00} on the card with no problems my account balance become positive {$200.00} I try to use my account card wasnt working I called money lion they tell me my card is restricted even though I was allowed to add the {$200.00} and I had to wait a business day for it to clear off my card this was Friday so I had to wait until Monday. Monday came at XXXX they took the {$200.00} out of my account to cover a negative balance I never had made up a false transaction to steal my money then I called rep had me on whole for a while to find the negative transaction which she couldnt find because this account cant go negative she said she will call me back which she never did they is basically scamming people of money
Product: Credit reporting

I received a letter from Trans Union stating that I had signed up for a service with them. I contacted customer service to access this account that I supposedly had opened. Upon doing this, I discovered that someone had opened an account with what I assume is a fraudulent card, at an address I had never used, and took a copy of my credit report. Upon closing the account, I requested that my account be completely locked so that nobody can access it. I was told that it would be, but that they would not send me an email confirmation, and would not send a letter confirmation. He said that in essence I had to take him at his word.
Product: Debt collection

XXXX XX/XX/2017 - called XXXX to transfer services due to move. After several weeks and conversations it was determined that the area I was moving to was not serviced by XXXX and they want to charge me a cancellation fee ... even though I was not 'cancelling ' the contract - they, XXXX did not service the area.

2 cases were finally created by XXXX : # XXXX - to confirm serviceability - they sent a XXXX van out to my new address, confirmed no service # XXXX - termination fee suspended XX/XX/2017 - Debt collection - from XXXX XXXX, XXXX - contacted them, disputed the case, gave them the information above, they closed the case. 

XX/XX/2017 - Debt Collection - Convergent - called them, told them I am being harassed by XXXX - since this debt was resolved 6 months ago ... .. sent them the closed disputed case. 

I am filing a complaint because I feel harassed. I have to take time out of my schedule to deal with this nuisance. This is all unfounded by XXXX. They are awful. If harassment does not stop - I will retain a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed an complaint against Experian reporting agency for not enforcing and or not being in compliance with the FCRA in reference to collection agency XXXX XXXX XXXX. This collection agency has been allow to report a debt as open with a balance of {$750.00}. The original creditor XXXX XXXX acct # XXXX has been closed/paid/charged off Balance XXXX. My understanding of the inaccurate reporting indicates non compliance with FCRA. Again as I stated before this has affected me adversely.
Product: Credit reporting or other personal consumer reports

Possible credit is reporting 2 on my credit report XX/XX/XXXX and XX/XX/XXXX Ive requested itemized bills for these accounts havent received anything will like accounts removed from credit report
Product: Checking or savings account

It was a fraud transaction on XX/XX/year> of the amount of XXXX, international transaction XXXX XXXX XXXX, XXXX XXXX, which I never authorized, someone got access to my online banking ( which was not really protected by bank ) Wells Fargo bank, personal checking account. I called the bank the same day and reported fraud, the amount was reimbursement to me within 3 days. 2.5 months later Wells Fargo bank withdraw again this amount and denied the claim, explaining this decision that their investigation has shown I authorized this transition.
Product: Student loan

On XX/XX/XXXX, I have been on hold or unsuccessfully transferred for over XXXX hours. Ive attempted to reach the correct party on XXXX separate phone calls and have been disconnected once even after authorizing them to call back in case it gets disconnected. Whats the purpose of this feature if you wont call back??? This customer service is DEPLORABLE considering the amount of money involved. I need a refund of the interest Mohela has been collecting despite being under an administrative forbearance since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry by AMEX that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding neither them or any other entity have the unrestricted ability to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumer 's credit profile history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent at apartment so today XX/XX/2020 I applied at XXXX XXXX XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Product: Debt collection

On XX/XX/XXXX I receive notice on XXXX that an account has been added to my credit report, I immediately called the company to ask for a itemized bill and to verify the account and debt ; to this day I have yet to receive anything from them. No mail, nothing showing me how to dispute it! They are refuses to send me anything.
Product: Debt collection

Enhanced Recovery Collection is reporting a debt on my credit report from XXXX. I do not have any contract with Enhanced Recovery Collection, I do not have any business with Enhanced Recovery Collection, nor have I ever done business with this company. My account is still active with XXXX in good standing. I have spoken with XXXX on many occasions since this account started reporting on my credit report. After speaking with XXXX I was told my account was never placed with a collection agency HENCE, I am a valued customer with 12 active business lines with XXXX. 

When calling to speak with Enhanced Recovery Collection they are very rude using profanity, hanging up the phone and threaten to garnish my wages. Attache you will find my monthly bill from XXXX showing this account was paid. However, XXXX does not have this account listed with a collection agency because this account is still open with XXXX.
Product: Debt collection

I have no idea where this item came from that showed up on my credit report. I have not received a bill or anything stating exactly what the charge is. It looks identical to a false charges that was placed against me years ago that your agency assisted me with resolving
Product: Mortgage

Sunwest Mortgage Company deducts taxes and insurance payments every month. As we kept calling to advise them of the insurance notifications, every representative stated the payment would be made on time, which was by XXXX XXXX 2017. I just received notice today that my homeowners insurance lapsed, during hurricane season! And for failure to pay insurance premiums, which Sunwest Mortgage deducts a year in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with Discover Card. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. XXXX  is reporting that Discover Card says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

Account # XXXX, 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 an account without my written instructions.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 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 of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuse : UnauthorizedTransaction : Perjury.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Records on XXXX, XXXX, and Equifax Credit Files Dear CFPB, I am writing to formally dispute inaccurate late payment records reported by One for my account ending in [ XXXX ] on my XXXX, XXXX , and Equifax credit files. These records incorrectly reflect : Two 30-day late payments Two 60-day late payments These entries are inaccurate, as I have consistently made on-time payments for this account. 

I have contacted both One and the credit bureaus to resolve this issue but have not received an adequate response or correction. I am now seeking your assistance to investigate and correct these errors. 

To support my claim, I have attached the following documentation : Copies of my XXXX, XXXX, and Equifax credit reports with the disputed late payments highlighted The inaccurate reporting has caused significant harm to my credit score and financial standing. I kindly request the following resolution : 1. Immediate removal of the inaccurate late payment records from all three credit bureaus ( XXXX, XXXX, and Equifax ). 
2. An update to my credit score to reflect the removal of these errors.

3. Written confirmation that the corrections have been made and that these late payments will not reappear on my credit file. 

Please let me know if additional details or documentation are needed to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am filing a second complaint on chexsystems cause i provided to them a copy of my police report and they have not removed the negative information reporting on my file. I have provided them with proof of the fraud and they have not even sent me a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XXXX XXXX and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
Product: Debt collection

On XX/XX/20 a discussion was had with XXXX XXXX, a collections supervisor, at Nathan & Nathan advising that this debt was being disputed, I am not aware of why or how they are attempting to collect over $ XXXX, I have never entered into any contracts with them.
Product: Credit card

my credit at XXXX, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with XXXX and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  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
Product: Credit reporting or other personal consumer reports

I provided all three credit bureaus on XX/XX/year> ( XXXX, XXXX, and Experian ) to remove the name, addresses and employment that are reporting on my credit report is incorrect and needs to be updated with correct name, address and employment. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS.
Product: Credit card

Regarding the fraudulent charge of {$56.00}, which was made on our Apple credit card account from a website that falsely represented itself as XXXX on XX/XX/2024. The purchase was made by my wife, XXXX, who immediately realized the website was a scam upon completing the transaction. Within five minutes of the purchase, we contacted Apple Card services to report the fraudulent nature of the charge. Despite our swift notification, I was surprised to learn that our dispute was denied on the grounds that we allegedly received goods from this transaction. I would like to strongly assert that we never received any goods or services, and the charge in question is part of a fraudulent scheme. 

I have been going back and forth with Apple and Goldman Sachs ( GS ) regarding this charge and they provide a credit, say they are going to investigate and 4 to 6 weeks later the charge is back on my card and I repeat the same process with Apple and GS. I have never been given an explanation by Apple and GS why they are charging me for a fraudulent charge that I reported within minutes of the charge occurring. Apple claims we received goods from the vendor, but we have never received anything. We certainly did not receive XXXX yoga pants. The fake website was accessed via an XXXX post.