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

Through XXXX, I filed multiple disputes regarding a duplicate entry and wrongful designation of a credit account with Sun Trust bank Loan Account. I tried 3 times to get XXXX  to get Sun Trust to update this account and every time it was reported back as accurate. Finally on XX/XX/XXXX I sent the Suntrust credit reporting dispute department a letter. It outlined all the issues in the report. Including improperly designating it a charge off, for which it was not. They also added a duplicate entry in XXXX, so that it looked like a new account reporting 2 years after it was included in a chapter XXXX bankruptcy by my husband who was the joint account holder. My husband filed for chapter XXXX bankruptcy in XXXX of XXXX. They are well aware of these facts. As of today, 2 full months, and well after both 30 days and 45 days I have yet to here anything from them. They have violated my FCRA rights. 

I have included the letter they were sent on XX/XX/XXXX. As well as screen shots from my report showing it as both a charge off and a duplicate entry with 2 different billing addresses. They have yet to respond after almost 2 full months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at XXXX XXXX, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

XXXX XXXX and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 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.
Product: Debt collection

During the week of XXXX XXXX. A creditor by the name of Credence management called me from many different numbers stating that I had a collection with XXXX XXXX XXXX. However after looking over my credit reports which showed no collection and contacting at & t I was told Im not in the system. I contacted XXXX XXXX XXXX fraud prevention and told they sound like scammers. The company also was not able to give me any type of account information.
Product: Student loan

According to the CARES act you can get a refund of any student loan payments made during the payment pause ( beginning XX/XX/XXXX ). I paid off my loans on XX/XX/XXXX during the payment pause with a final payment totaling {$10000.00}. Once learning of loan forgiveness I applied for a refund of the XX/XX/XXXX payment totaling {$10000.00} on XX/XX/XXXX. While speaking with EDFinancial on XX/XX/XXXX they informed me that my refund request was processing. I did not receive any email confirmation and my online account showed no updated information. After waiting for nearly six weeks and checking the status of my online account regularly and getting no new information I once again called EDFinancial. When I asked for the status of my refund I was given the same information I had been given six weeks prior, " processing. '' I asked to clarify that she could give me no new information, no timeline, no estimates even about when my refund would come through. She gave me nothing. Then I asked if there was someone I could speak to that would have more information for me she told me no, " there was no one in the company that had any information for me. '' I was astounded. To flat out express that no one in the entire company could help was unbelievable. I then asked if I should contact the Department of Treasury and she replied no, that no one there would have any information either. I am aware that many people have applied for refunds, however, it is their ( EDFinancial ) job to service loans- including refunds. I do not understand how there is no information on the status of my loan and that I am simply expected to wait patiently for as long as EDFinancial desires. That such a large company can just treat people like this is wrong. I have asked for a legal refund and have been given nothing but silence. I would like my refund processed and a more transparent system to help future customers avoid such a frusterating process.
Product: Mortgage

Property Tax on my Closing Disclosure and TILA vs actual Property Tax were grossly under valued by XXXX %.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first name & last 2 numbers on my SSN have been wrongly entered in Equifax system. Two other credit bureaus ( XXXX & XXXX ) DO NOT show this wrong information. Ive been trying to get them to fix it for the past four months since XX/XX/2019 but every time I called, someone says the same thing, we need documentations. The proof of his name & SSN were sent multiple times. But no action were taken by Equifax. Every staff seems to not know what is going on as there are no note taken & they dont know what previous staff do. Im unable to obtain a mortgage loan bc of this information. It is unfair for me that they have the incorrect information but not willing to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX XXXX XXXX several times. I was asked to submit lease, utility bill, and identification to prove that I didn't open an account. The address that the card was sent to is not my address. My lease states that I have been in my current location since 2016. I want this information updated It is unfair to me to have inaccurate information on my credit bureau.
Product: Debt collection

You are reporting an incorrect amount on my credit report. The last bill I received was below {$700.00} I moved out of that apartment and the utility was disconnected before I did so in XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all non account holding inquiries with TransUnion. They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. TransUnion violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Experian credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Experian via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Experian and stated this, I was constantly told to contact creditor even after I told them that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Experian to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from  XX/XX/XXXX   XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX    inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX   XXXX    inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor closed this card, considering that it appeared as a result of fraud. I have had talked to creditor 5 times, they agreed to solve that but in vain, so please remove it from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
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. 

XXXX 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.

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 XXXX 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: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

these accounts are not mine have never. lived in XXXX XXXX have been trying to fix this for years remove account from credit report i was overseas working have orders to prove it for court
Product: Mortgage

My lender has forced the flood insurance for year XXXX and purchased the policy in XX/XX/XXXX. 
I was informed about the policy in XXXX and rules why they bought it. 
My objection is 1 ) why wasn't the policy got purchased in XXXX if it was required in XXXX? 2 ) how can you back date and purchase policy for period that is already gone..it seems fraud to me. 3 ) if it was to be purchased for XXXX then I should be informed in XXXX with amount and the clause of policy so that I can make informed decision why I got told about XXXX policy in XX/XX/XXXX. 

I tried to speak with multiple people at my lender and didn't get resolution and they paid it through my escrow putting me into financial risk.
Product: Credit card

I contacted Elan Financial Services who is managing a credit card for Fidelity Investments in XX/XX/2023 to dispute a claim with XXXX XXXX XXXX in XXXX XXXX, Florida. 
On XX/XX/2023, Elan Financial Services decided to not dispute the charge claiming that it was beyond a 60-day period.

According to Fidelity Visa Signature Card Agreement, they state that If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Nowhere within their Card Agreement does it state a 60-day period to dispute. 
When I approached them about this, they reopened the dispute on XX/XX/2023. 
On XX/XX/2023, Elan Financial Services stated in writing that " we are unable to assist you in resolving your dispute as you received the services represented by the transaction ''. I never received services. I am disputing a product that doesn't work. They stated to me on the phone that the matter was closed because there is a no return policy with XXXX XXXX XXXX therefore, they are closing the dispute. What is the reason? A service or product. Prior to this, XXXX ( Dispute Supervisor ) stated to me and my husband, XXXX XXXX that they will force XXXX XXXX into arbitration and that the no return policy didnt matter. I told XXXX that I have emails stating that XXXX XXXX will allow a return but for only {$2500.00} if I drop the dispute. XXXX advised me to not drop the dispute because I would not be allowed to reopen the dispute. At one point, XXXX, and XXXX ( Dispute Supervisors ) started attacking my character and were yelling at me. They made a complete 180-degree change in attitude. 
On a recorded line with XXXX XXXX of XXXX XXXX XXXX XXXX and myself, we together called Elan Financial Services and asked to speak with the dispute department and they refused to speak with us. We called twice. 
Elan Financial Services has been combative and argumentative and unwilling to look at the emails and documentation sent to me from XXXX XXXX XXXX. XXXX and XXXX ( Dispute Supervisors ) at Elan Financial Services are acting as if they never read any documentation I submitted.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Debt collection

XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..
Product: Checking or savings account

This is related to complaint XXXX for XXXX. NFCU has not been able so far to send anything proveing I ever agreed to be a co-applicant or co-owner of a credit card my husband opened in 2011. They are now withdrawing funds from my seperate savings account to make minimum payments because they say the agreement they can not prove allows them to do that and they will continue to take the money out of my account monthly. They further will not return the payment they took without any authorization unless I sign an agreement to be responsible for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to dispute fraudulent information that appears on my XXXX, TransUnion and XXXX consumer reports. 

Fraudulent Inquiries on my TRANSUNION CREDIT REPORT : XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK XXXX Bank ) XX/XX/XXXX Fraudulent Inquiries on my XXXX CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CITIZENXXXX 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 XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

I sent Velo law office the only thing I could find from a pervious debt collector I settled this with. I have been contacted by a dozen over the years and any time they close it out they sell it off no matter what I do. I attempted to ask questions to the law office on why they wouldn't take my dispute and what I could do to ensure that if I settled this again, it would come back next year with someone else. The woman was rude wouldn't speak to me and just kept saying " good luck ''. I can't begin to resolve anything with communication like that. Also they went to court after telling me to ignore the paperwork that was sent to me because I sent in a settlement agreement letter they requested and they never reached back out in the 30 days like they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.
Product: Credit card

Synchrony bank is a nightmare to deal with and has caused me unwanted XXXX XXXX XXXX They also charged a {$30.00} late fee and I dont know why. 

I do not want any communication from them except in writing only. Therefore please cease and desist ALL calls, texts and/or emails effective immediately. Only communication will be in writing only
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, not my account.