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

I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXXXXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit card or prepaid card

I was approved for a Citi Cash card to help pay down my debt. I transferred {$2900.00} from a balance transfer to this Citi Cash card due to I only have a {$3000.00} limit on the card. I only have 4 months from the date I opened the card to get {$0.00} finance charge on balance transfers. On XX/XX/22 I made a {$1000.00} payment to my Citi Cash card. They withdrew the {$1000.00} from my checking account on XX/XX/22. My account shows a balance of {$1900.00} but I only had {$0.00} in available credit. I wanted to use that {$1000.00} to make another balance transfer. When I called Citibank on XX/XX/22 about my available balance they told me the payment was on hold for verification. When I asked why, I was told its because I made a large payment. I requested to speak to a supervisor and asked him when will it reflect in my available credit and he said XX/XX/XXXX. I asked where in the contract does it state they were going to hold my money and he told me on page 3 and then he hung up on me. Theres nothing anywhere in the contract about verification holds. I called back the following day at a different time and was told the same thing that my payment was on hold for verification so I asked him where does it say they can do that in the contract and he said it isnt written its just something they tell people over the phone. I understand what a verification hold is but no one could tell me why it takes 10 days to release the hold. They now have {$1000.00} of my money and I have nothing to show for it. I cant do another balance transfer until after my other credit card payment due date. I believe they are holding it to whittle down the time they gave me for the interest free balance transfer which is why I chose their credit card in the first place.
Product: Credit card or prepaid card

I have an Ann Taylor Mastercard. I never received my XX/XX/2022 statement ( the card was paid off in XX/XX/2022 ). I received an email in late XXXX alerting me that a payment was due on my balance of {$6200.00}. In XXXX I only charged {$2300.00}. I've called the credit card company ( Comenity ) TWELVE times with no resolution. It seems that my card has been compromised and fraudulent charges were made. The address was also changed on my credit card account- not by me. Since the address was changed, the credit card company is " not able to help me ''. Even though I've changed the address to my current address 4 times. They also will not send a bill so I can make payment and be done with this company. They are claiming I need to provide a driver 's license, social security card and bank statement to access my account or resolve the fraudulent charges, but with each individual I speak to the requirements change OR they state they can not help me to call back tomorrow. I am at my wit 's end and do not know what to do to resolve this. The credit card company is not making this right.
Product: Credit reporting or other personal consumer reports

Empire Finance of air historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reported to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from this account, Empire Finance of XXXX ( XX/XX/year> ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I reviewed my consumer credit report and seen various Wal Mart/Synchrony Bank inquiries I called Synchrony to report that I don't have any Wa Mart credit cards open nor have I recently applied for a Wal Mart credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called XXXX XXXX XXXX , XXXX to discuss my concern further. 
I reached out to XXXX  which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this Wal Mart Business Credit owned by Synchrony Bank.
Product: Credit reporting or other personal consumer reports

FEDERAL LAW : This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit. Remove all of these inaccuracies immediately.

NARRATIVE : I AM, the victim of identity theft / fraud/ mail fraud.

CERTIFIED NOTARY : Validated And Verified My Identity You are required to legally perform my request; and, block these transactions from being reported to my Consumer Credit Report within 4 ( FOUR ) Business Days, from the date of the receipt of this notice. Lastly, I look forward to immediate deletion of these fraudulent accounts.

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to my transaction by me as the consumer : Negative Inquiries I have no knowledge of : You are required to legally perform my request; and, block these transactions from being reported to my Consumer Credit Report within 4 ( FOUR ) Business Days, from the date of the receipt of this notice. Lastly, I look forward to immediate deletion of these fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my XXXX XXXX account and XXXX  accounts were compromised. When I caught on i was able to change credentials and take matters up with my bank. However there were some funds in my XXXX  account totaling XXXX that i cashed out to my checking account to a total of XXXX. On that day a total of XXXX was taken from my checking account and out of that i was able to recover the XXXX and my back helped me with the rest. Now XXXX  has taken that XXXX back according to Bank of America theres a law that since the amount was deposited by them they can legally reclaim it. This is total XXXX  and the bank cant even dispute or nothing. This totally absurd and i want my money back. I have tried dealing with XXXX  and they are bigger crooks than the folks that tampered with my account initially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. I have contacted the FTC and the Georgia police.
Product: Mortgage

I was refinancing a mortgage with Ditech ( formerly Green Tree ). I requested a copy of the closing documents be made available to me at least XXXX hours prior to closing. Ditech refused to provide me with these documents. Because Ditech refused to provide these documents to me prior to closing, it took over XXXX hours to complete the closing because I checked the documents and compared them to my files. I had the time and XXXX to take the time during closing to do this. However, many people may not be able to do this. 

It seems to me Ditech 's refusal to provide me with these documents prior to closing is illegal. I have given them this feedback already. However, if this is their standard operating practice, they should be held accountable by enforcement agencies for breaking the law.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

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



DEPT OF EDUCATIONXXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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.

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 am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 


XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the COVID pandemic Californians have XXXX XXXX protections in place that are supposed to prevent creditors from reporting late payments. 

XXXX XXXX XXXXXXXX # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).
Product: Debt collection

I received a letter from Sequium Asset Solutions , LLC ( a debt collection agency ) dated XX/XX/2022 saying I owed {$1400.00} ( reference number XXXX ) to XXXX XXXX XXXX mobility with an account ending in XXXX. I called them to get details. ( XXXX ) They said I had opened the phone account on XX/XX/2022 and the account was canceled for nonpayment. I told Sequium I wanted to dispute the debt. For the following reasons. 
-The name it was mailed to is my maiden name which I have not used for 7 years. 
-I have not had an XXXX XXXX XXXX  account. For the past year or so I've used XXXX XXXX for phone service. 
-I no record of an XXXX XXXX XXXX  account on my bank or credit card statements. 
-When I XXXX this company and the debt from XXXX  XXXX XXXX XXXX found that many people have had the same debt information told to them, and the XXXX XXXX XXXX has many complaints about this under the company 's name. ( see below ) hXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Around XXXX my wife and I filed a XXXX tax return. She disappeared and I filed a missing persons report. Around XXXX of XXXX I deposited the check at TCF bank  with only my signature as I did not notice her name on it. She is not a XXXX citizen, has no XXXX ( so could not have an account ). The bank has taken the funds from the US Treasury ( confirmed ) and now hold the funds for her to come in and sign. I have worked with the bank extensively on this. Have told them just to return the funds and I will file Married filing separately but they still will not return the funds. I have talked to the IRS, IRS Taxpayer Advocate and the bank extensively. The IRS says it is a bank issue. It seems that the bank took these funds illegally and should not have. Who can compel the bank to return the funds to the IRS to credit? How can I resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am seeking information about the date on which the alleged delinquency occurred, information that should have been provided by XXXX XXXX XXXX  XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. While I understand that trade lines are typically removed after seven years, I would like to know the precise month and year when this particular trade line is set to be updated. Additionally, please furnish me with the address to which you mailed your request or the phone number you used to contact them. I am not interested in a general response outlining your usual investigation process. My request pertains to a comprehensive breakdown of how you received these specific responses. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i am ( XXXX XXXX ) the Executrix of my aunt and uncle, XXXX and XXXX XXXX estate. My aunt was in a nursing until she passed in XXXX of 2014. She incurred bills from the nursing home in the amount of XXXX plus. Her debt is coming out on my credit report. I am not the responsible party only the representative/ Executrix and thus have no personal liability for this debt. I sent TransUnion all documents showing this is not my debt and they will sont remove this from my credit report. i need this off of my credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  TU These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. PLEASE DELETE THE ACCOUNTS BELOW : 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

As of XX/XX/XXXX, I had sent out a letter towards TRANSUNION to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX ARKANSAS XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received another letter on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report.I express my right to demand TRANSUNION disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy TRANSUNION is reporting on my credit file. TRANSUNION can not just reply in writing stating that TRANSUNION has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how TRANSUNION has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS XXXX system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because TRANSUNION was unable to provided necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.