23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Account charged off. {$24000.00} written XXXX XXXX  XXXX ( Bank ) XXXX XXXX These cases shouldnt be on my credit file or public record XXXX Case number ID Case Number : XXXX Charges Filed Date : XX/XX/XXXX Case Number : XXXX Charges Filed Date : XXXX XXXX, XXXX Disposition : STRICKEN OFF - LEAVE REINSTATE ID Case Number : XXXX Charges Filed XXXX ID Case Number : XXXX Charges Filed Date : XXXX XXXX, XXXX Offense Code : XXXX XXXX XXXX ( A ) ( XXXX ) ID Case Number : XXXX Charges Filed Date : XX/XX/XXXX Offense Code : XXXX 15 USC 1681 ( a ) 1 challenges the 30 day response time + 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol # 15 USC 1681 ( a ) ( 5 ) B challenges reinsertion protocols These account shouldnt be on my credit or belong to me I need them removed inaccurate wrong dates and shouldnt not be seen on credit the accounts are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It had been 11 years since this XXXX XXXX XXXXXXXX account. They finally closed it but left it on my credit when it should be completely removed from my report.
Product: Checking or savings account

Truist Bank is playing a dangerous game, I have {$7.00} in my checking and {$5.00} my savings account, I went and put {$40.00} in my checking to buy my XXXX XXXX XXXX, Truist took {$10.00} from the checking after I put the {$40.00} in, they then act as if they had drawn the {$10.00} before I put the {$40.00} in. Now they took {$36.00} from the {$40.00}, because they said I only had {$7.00} in the account so an overdraft fee of {$36.00} + $ XXXX {$46.00}, and now my account is- {$46.00}, I'm no math 's genius but it's not adding up, they been doing it for years, and they always say it's a computer Erro, now they won't give my money back, I'm sure we all need money, but not like that, it's not like I have millions and they take a {$100.00} every now and then, we are just trying to feed our families.
Product: Mortgage

I contacted Freedom mortgage on XXXX regarding late payments on my credit report. It states on my credit report with XXXX  and XXXX  that I became 120 days late in XXXX  of XXXX. I wrote to them asking how this could happen. I do not ever remember missing a payment and especially not 4 months of payments. When did I become 30 days late, when did I become 60 days late, when did I become 90 days late??? How did I arrive at 120 days late in XXXX. If you look at ANY of my mortgage accounts I was NEVER late on ANY of my payments. There has to be some error and this needs fix because it is damaging to my credit score and my character.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my XXXX Credit Card account was {$10000.00}. I made a payment of {$370.00} on XX/XX/year> and additional payment of {$5000.00} on XX/XX/year> which reduce my balance down to {$5400.00}. They reported to all three credit bureaus on XX/XX/year> that the balance was {$10000.00}. This is XXXX! I contacted XXXX on XX/XX/year> and spoke with XXXX ( employee number XXXX ) she refused to update the credit bureaus and correct the fraudulent balance they reported. Said I had to wait until XX/XX/year>. For the last 22 days they have been defaming my character with the credit bureaus stating that I have use XXXX  % of my credit, making my score drop to XXXX. This is wrong and outrageous what this company does. The blantant fraud they commit and blatantly refuse to correct this error. They must be investigated for their abuse and fraud.
Product: Debt collection

Continued calls - spoke to them once and they could not give me the proper information. I explained I had settled all this before and they said there are now late fees and interest and if I agreed to pay today it would be settled. Scare tactics to get money from people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus XXXX, Experian, and XXXX have these codes. I have requested through Experian, XXXX, and XXXX but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23
Product: Credit card or prepaid card

XXXX should not have decreased my credit line after I paid most of the line down. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my XXXX store credit down by more than 50 % on XXXX XXXX, 2019 and then they lowered my credit amount. That is very deceptive. When I allied to inquire they said all they could do was run my credit again if I wanted to see if I would qualify.
Product: Mortgage

Dear XXXX XXXX XXXXXXXX ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XXXX TO XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds with 24 hours stating the account is accurate, without providfing any evidence of a thorough investigate. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC. s1681i which mandates a reasonable investigation of disputes. Furthermore Transunion action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC ss 5536 ( a ) ( 1 ) ( A ) ( B ) a highlighted in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit which mandates a reasonable investigation of disputes. Furthermore Transunion action may also contravene the consumer Financial Protection Act ( CFPA ) 12 USC ss 5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the ( CFPB 's ) recent administrative proceeding ( File No, XXXX XXXX XXXX XXXX ) again them for similar violations. I request that the CFP take action to ensure Transunion complies with federal law and provides consumer with the necessary proof of investigation. I want reported accounts to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Treasury XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX  my account was limited due to a red flag to the checking account. While contacting the bank, they said they would have to look into my account because I was making too many deposits. They said the account was closed and that I would receive a check with the remaining funds on my account within 7-10 days. The amount of the funds is an approximate of {$22000.00}. I waited 10 days before contacting the bank again because I didnt receive the check yet, they said the check hasnt been sent and they were still looking into my account, when it was supposed to be closed already. They said they would pass a note to say I was expecting my check and that I would receive a notification ( didnt say where ) when the check was sent. I havent received a notification, nor the check.
Product: Checking or savings account

On XX/XX/year>, I opened a online Checking and Savings account with SoFi bank. I set up my employer 's Direct Deposit to the savings account and I also authorized the transfer of {$10000.00} from my XXXX checking account to the SoFi checking account. The $ XXXX came out of my XXXX account on XX/XX/XXXX. SoFi never posted the deposit to my Sofi account. I have called multiple times and spoken with supervisors and SoFi 's security department and all they can tell me is that the account is " restricted '' and that I need to reach out to them. When I call I am just being told that they suspect fraud and the account is under review and that someone will call me back. No one calls me back. I am frustrated with lack of communication, lack of transparency, and insulted that I am accused of doing something fraudulently. Today I called SoFi again and spoke to their Security department again trying to get resolution and just being told I have to wair and that someone will call me. I have been told this multiple times and have not received call backs. When I ask to speak with a XXXX -I am told they are in meetings and a message will be relayed. Again no one calls me back. Today on the phone, out of frustration, I told them to just close the accounts and transfer the {$10000.00} back to my XXXX account and they said this was not possible due to my account being " restricted ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXX. I called XXXX  XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX  report but on XXXX  report it is still there. I have attached pictures to show it was removed from XXXX. XXXX it never came off.
Product: Payday loan

i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, check sent for XXXX and sent back from XXXX because Id so-called negative info from agency called Certegy. Every time try to call them always repeat my info wrong and impossible to reach. Have sent letter to Certegy because they can not get info correct.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute a address on my credit report because Ive never lived there and it wont be removed
Product: Debt collection

I have contacted this company and informed them the debt did not belong to me it belong to   XXXX   other family member who shared an account with me. the debt belongs to them I have disputed this numerous times including the other family members SSN and information. They are also reporting the account as opened in 2017. Please see pages 18 and 33.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert that there was a new account reporting delinquent to my credit from transunionXXXX XXXX. They advised of an account with XXXX XXXX. I have never heard of this company at all and have no relationship with them now, in the past, or ever. I disputed this with transunion and they completed the dispute in less than 2 weeks, saying item valid and to remain on my credit report. 
Lastly, this is upsetting due to the fact that the credit reporting agency and XXXX XXXX in turn advised me that my information has come up on an internet breach so they should have looked into this matter much further. 

I have attached a copy of the alert for my information being breached as well.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraudulent XXXX XXXX loan accounts is still listed and showing on my Equifax credit report. The accounts is not my accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery was disputed back in XXXX of 2023 due to my information being shared falsely/unknowingly without my consent and I would like it removed from credit report because I'm not sure if it's accurate or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may confer I submitted a hardship request to Affrm on XXXXXXXX advice I experience a XXXX XXXX impact which did not allow me to pay the current loan. I advise them Id make payment once my husband goes back to work in the New Year. I honored my arrangement and paid the loan in full on XX/XX/XXXX. I was reported 60 days late the beginning of XX/XX/XXXX. I immediately contacted XXXX to have this payment note deleted hence my contact and understanding of this hardship and the left my XXXX credit score account XXXXXXXX XXXX declined. This went against fair acts of my hardship request and hence needing the remark removed so my score is no longer impacted. I opened a case with XXXX and need an expeditious resolution as we are looking to buy a new home and can not move forward with this current. mishap. Affirm case XXXX case. Ive NEVER been late with payments through them and was ensure via phone the hardship placed on file will avoid any negative reporting back to credit bureau.
Product: Credit reporting or other personal consumer reports

I received a letter from your company stating that I am working with a credit repair organization. I want to clarify that I am not using any third-party services. I am personally disputing certain accounts in collections and those with late payment remarks that I believe are inaccurate. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : I XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate information on my credit report. Please review my report, correct any errors, and update my records accordingly. 

It is important that my credit report is 100 % accurate, and I request a re-evaluation of my account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a debt consolidation company and paid off a negotiated settlement with XXXX XXXX and U.S Bank. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.