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

Hey, hope life treating you wonderfully. Anyways XXXX, XXXX  and Equifax deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found some erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}
Product: Checking or savings account

I deposited a cashiers check along with a deposit slip and entered deposit as cash for {$2400.00}. On the bottom of my deposit slip, I wrote cash deposit, no holds cash deposit. The teller, XXXX, when asked, acknowledged and said, " Yes, I see it is a cash deposit '' I received a deposit slip verification from her and it shows cash paid to customer {$2400.00} Also, the receipt shows at bottom of receipt " cash in {$2400.00} '' When I got home, went to pay online bills and noted my account shows cash deposit {$2400.00} " PENDING deposits '' I took a picture for proof for my complaint. I drove back to the bank and they are now closed for the evening. I called customer service and both representatives told me my check has to clear and is " pending '' ... .and will hopefully be processed by Monday, XX/XX/XXXX. They refused to change it to a cash deposit - told me it will be investigated and take up to 10 days. Spoke to XXXX, in the customer complaint department, and afterwards she escalated to a XXXX XXXX, intake complaint person, in the escalation center at XXXX. He advised he will submit my complaint and they have 10 days to get back to me. Complaint # XXXX. The bank is floating my cash and my cash is not in my bank account ( instead, it is in their 's ) Wonder if there should be a class action investigation for investigate for unethical banking practices for all of the customers who do business with this banking institution. They should pay a penalty
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/year>. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 



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

Starting XX/XX/XXXX from approximately XXXX to XXXX and again on XX/XX/XXXX from XXXX XXXX to XXXX I have been trying to reach Equifax via phone, email and on line to freeze my credit information stored by this company and to receive a credit report. I have been unable to get through. Either I get repeated error messages on line as well as no answer through their on-line chat service. By phone, I have experienced repeated busy signals, repeated automated answering loops, disconnections or messages that Equifax is unable to process my request. Via email I received a case number from the company and another email with two phones numbers. One to their security freeze department that is repeatedly busy and another listed as their personal information solutions department saying they are available between XXXX-XXXX est but when I called the automated message asked that I call during business hours. I placed the call at XXXX XXXX ( est ) on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 XXXXXXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 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 the records of conviction of crimes which antedates the report by more than seven year.

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 the information is inaccurate.
Product: Credit card

I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bill is due ; which makes me thinking there trying to get me to wait until the next statement to charge me double for the fee that they never removed. Additionally, I feel that I am being treated differently because of my last name ; which is of XXXX heritage.
Product: Checking or savings account

I opened my U.S. Bank account in XXXX and this is so far the second complaint Ive had to file against them. So overnight on the XXXX XXXX XXXX XXXX XXXX  I noticed that they returned my XXXX XXXX payment for {$75.00} even though I had a direct deposit pending into the account. My understanding is I have overdraft protection and most banks will allow you to overdraft the account even up to {$500.00}. So I feel the {$75.00} shouldve cleared since it was direct deposit pending that wouldve covered that amount and also they should post direct deposit sooner like XXXX XXXX for example other banks will post a direct deposit up to two days early so I feel theres no reason at all that this payment shouldve been returned because there was direct deposit pending and {$75.00} isnt that much anyways.
Product: Mortgage

I purchased a home in XXXX XXXX in XX/XX/XXXX. My loan has been " sold '' several times. My current Lender, Fay Servicing, has had my account since XX/XX/XXXX. I asked for a payoff statement. They can not provide this to me. Fay Servicing said the only account information/payment history they have starts with the day they began to service my loan. They claim to not have any information from any previous lenders.
Product: Credit reporting or other personal consumer reports

Here is the account that is not reporting accurately : ( XXXX XXXX XXXX  account number XXXX ), XXXX XXXX reported a late payment in XX/XX/. Please correct this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii, and 15 USC 1681e ( b ). 

I have proof that i paid my account on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXXXXX XXXX for the amount of {$400.00}. I will include my bank statements.
Product: Credit card

I applied for XXXX XXXX XXXX credcard two months ago, XX/XX/XXXX XXXX XXXX online website. It went into pending process for two weeks. When I called for an update, on XX/XX/XXXX they wanted more info of identification. I emailed a valid my Driver 's License and Cell phone bill. They said the email blurry. I sent another one and they said it was blurry again. They said only two emails are allowed. I had to fax instead. I faxed it in XX/XX/XXXX. Today XX/XX/XXXX they said they need another two weeks to make a decision. 
I called back on XX/XX/XXXX a second time after I just got off the phone because I instantly got a hard inquiry on my credit report. When I asked why did I receive the second hard inquiry, they said the first request was only good for thirty days. 
Number one, they pulled my credit and held off making a decision because they still aren't certain of my identity ( they are my bank ). Thats not fair. 
Number two, they made a second inquiry for the same XX/XX/XXXX application. Thats an insult to injury. 
Number three, the rule to only allow two emails to verify an ID is not good business practice to say the least.
Product: Checking or savings account

so there was a shelter located in XXXX at the address of XXXX XXXX XXXX called the XXXX XXXX XXXX and I had used it as a mailing address since I am currently street homeless, But I do definitely feel there was money that was taken out from my account without my consent and whoever took my money out ordered a replacement card as a way of covering up/trying to hide the withdrawal transaction they had made from my first debit card that I did not receive I also say this because there was a lady who said she was from Ohio named XXXX XXXX at the XXXX XXXX XXXX and I also say this because the mail that was there were two pieces of mail and one piece of mail had a Ohio zip code of XXXX with a XXXX XXXX number of XXXX from chase bank saying that the replacement card has been complete which I wasn't from me at all and also another reason I say this is because the lady who was there was asking me for my ssn and name repeatedly which after I came to realization and feel that she was recording my voice audio for impersonation purposes And another reason I say this is because they had told me it was supposed to be sent to XXXX XXXX XXXX XXXX XXXX  XXXX within 5-7 days but that day that they had told me this was XX/XX/XXXX and when I had went to the XXXX XXXX XXXX and another lady there told me that it wasnt any card there for me but then right after the same lady who kept asking me the questions named XXXX had also told me maybe the information on the card got changed and to see if it got changed which had me confused.
Product: Credit card or prepaid card

I have sen t 2 me ssages to the company using their secure messaging system on their website. I have also called them twice in an effort to get them to close an account that has fraudulent activity. Barclays Bank Delaware closed the account with the fraudulent charges. Therefore I am getting monthly bills with fees on the fraudulent charges, since I will not pay them. Ironically the company assures me over the phone that I do not owe anything.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 60 days 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE has been reporting inaccurate information to my credit report. 15 u.s.c. 1692 The account was charged off & Capital One Auto Finance has added fee 's to my account to get addition money from me { {$2000.00} }. This company is stressing me out. They sent me offer to my email then when I apply I'm denied. I feel it's false & misleading I Paid more than ( {$14000.00} ) which is close to double what the car was worth. Please help this account is causing me to be homeless. 



This alleged gency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.
Product: Credit reporting

On XX/XX/XXXX, I filed XXXX bankruptcy in the XXXX XXXX of Indiana . In my petition, I listed all current accounts. All credit bureaus were properly notified, as were all affected companies. 
On XX/XX/XXXX, my bankruptcy was discharged. 
I logged into Equifax to initiate a dispute on several past addresses, and noticed XXXX ( image enclosed ) was still showing under investigation ( proof to the contrary enclosed ). It is also showing a derogatory status, with a balance. It has shown this during the entire bankruptcy proceeding, meaning Equifax has violated the automatic stay AND is culpable for reporting inaccurate information, thereby damaging my credit. Furthermore, there is a XXXX XXXX XXXX account you 'll notice on the enclosed image that is showing under investigation as well, although there is no current investigations according to the XXXX image. This is misleading and clearly a misstep on Equifax 's behalf. 
Moreover, XXXX addresses shown on my report do not belong to me nor ever have, and Equifax refuses to remove them ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XX/XX/2024 ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have been looking at my credit report and it has been wrong for some time now. I had some very important dealings recently, that required inspection of the report and almost did not meet criteria as a result of non reporting. I contacted my bank / credit card companies and they say they are reporting. I can not ever get in contact with Experian by phone. I can not wait more than an hour to speak to someone.. That being said, I found an old correspondence email and used it to mail them. I received no response. My total credit limit from my old visa has doubled. I have a newer credit card that is also not reporting. It too carries a high limit. None of this is being reported and my score is just remaining the same. There are stipulations for everyone in society regarding credit and lack thereof. Yet the overseers of this system do not appear to be doing their jobs. As a result, people are being denied what they deserve, life is being put on hold etc. This does n't make sense.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Mortgage

Loan Numbers : XXXX, and XXXX. 

After retiring in XX/XX/XXXX, we ( XXXX and XXXX XXXX ) received information from our lender ; OCWEN Loan Servicing, LLC ; about the HARP Program. After months of processing ( from XX/XX/XXXX ), an agreement was made and we proceeded as follows : XX/XX/XXXX/XX/XX/XXXX ; finalized new Loan Terms XX/XX/XXXX XX/XX/XXXX ;  made agreed to four month payment plan XX/XX/XXXX ; commenced new HARP Loan payments ( continues to present ) XX/XX/XXXX ; noticed 2nd Trust Loan ( XXXX ) not consolidated as agreed XX/XX/XXXX ; received letter confirming 2nd ( Loan ) paid in full ; during prior agreements in XX/XX/XXXX XX/XX/XXXX ; received a request for payment from new creditor ( XXXX XXXX XXXX XXXX ) We contacted OCWEN Loan Servicing, LLC ; they indicated we would have to discuss with XXXX XXXX XXXX XXXX We contacted them and their position is we owe them the value of the original 2nd Loan. WE then discovered that they are a wholly owned subsidiary of OCWEN. We told them we have a letter stating the Loan was satisfied ; their position is it was only transferred to them. They have harassed us for payment ever sense. We do not know what we can do and the harassment is becoming very unsettling.
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 accounts 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 accounts 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 Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have disputed several inaccurate items through XXXX which have come back verified.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This may include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : 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