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

Ive been a victim of identity theft. Please help me understand how Equifax is investigating this matter. Other credit bureaus have deleted items. Equifax says they verified, how can they verify this. My credit report hasnt been updated in about 60 days. Per Fcra they have 4 or 5 days to block information from my report, I believe I read. Again Equifax is the only bureau how hasnt deleted fraudulent items. I believe I will have to file a complaint with FTC and hire legal counsel, because this is a violation. Please see attached FTC Report and proof of identity. The following accounts are XXXX XXXX {$500.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3 XXXX  XXXX  XXXX {$610.00} Ive never done business with these companies or entered into a signed contract. Please Delete
Product: Mortgage

My credit report is showing two months of late charges XX/XX/XXXX & XX/XX/2014 after I sold my house. I 'm asking to update my credit report to not show these late charges PNC mortgage # XXXX address XXXX XXXX XXXX Oh XXXX the house was sold XX/XX/2014 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the Bankruptcy that is showing cleary has the wrong address that is my address that is not mine ad need to be removed,
Product: Debt collection

On XX/XX/XXXX a negative mark was removed from my account. Now Im XXXX its reinserted back on my credit report for XXXX. I do not owe this debt and it was previously removed. Also it was sold to another collection agency. Please have this deleted.
Product: Credit reporting or other personal consumer reports

I want to file a complaint against XXXX. They refuse to remove a late payment for XXXX  XXXX account that was a mistake that XXXX XXXX admitted to. XXXX  XXXX had a glitch on their online payment system which would not allow me to make a payment for a. month. They agreed to remove the late payment and take off late payment fees but XXXX refuses to remove the late payment on my account. not one but 2 months.
Product: Checking or savings account

Money was debited from checking account on XX/XX/2023 using XXXX XXXX. As of XX/XX/2023, the bill was never paid. My payment is now late, and the lender is threatening to charge fees for the late payment and report it as a late to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Checking or savings account

There was an unauthorized transaction Im my bank. Which is Sofi For XXXX I reported it to them on XX/XX/XXXX they told me they couldnt do nothing until it. Posted so XXXX the XXXX XXXX. I reported it again it went a few days they denied it Problem is Ive called every day chatted on the app get a run around They wont do there job to settle this. They wont let me talk to the team they say are in the back room Ive appeal it I even asked for a reversal that was my social security XXXX money they got My self I think it an inside job at the bank it started they locked my debit sent me a new one soon as my deposit went it That debit card was used and it was not by me and where it Went to was XXXX XXXX in XXXX Pennsylvania I cant even find that company is no where. There in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reported two unvalidated accounts that do not belong to me please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW
Product: Credit card or prepaid card

Im make payments on time, and ask for increasing credit line XXXX, and today them not respond, I have more than 24 months with this credit card
Product: Credit card or prepaid card

Citi Bank lowers my credit limit then reports to credit agencies that I'm close to maxing out my cards when I haven't used either of the two accounts in months, then the credit agencies lower my credit score because I'm close to credit limit then Citi Bank lowers the limit more because my score went down, this is costing me {$1000.00} 's of dollars
Product: Debt collection

The collection agency Berlin-Wheeler-k keeps reporting this fraudulent account to my credit report they will remove it then add it back the amount is XXXX they keep reporting it as a new account in collections recently they reported the the account. it read as follows Between XXXX and XXXX a new account is in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

My dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.
Product: Debt collection

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX  and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore XXXX Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 creditors that pulled my credit report that I did not give permission too there is only one and that is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, and XXXX. I did not give these people permission to pull my credit report on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR  FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type - Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$20000.00} Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on a dispute I previously submitted regarding the XXXX XXXX  account, which is inaccurately reported on my credit file with your bureau. 
Despite my earlier communication and requests for correction, I have yet to receive a satisfactory resolution or an updated credit report reflecting the accurate status of this account.
Product: Credit reporting

In XXXX I applied for a Student Loan with XXXX as a Cosigner for my daughter. The rate I received was quite high ( around 8 % ). I asked that if I paid down my student loan and re-applied could I possibly receive a better rate. They said yes, so on XXXX/XXXX/15 I paid a substantial amount towards my student loan ( XXXX - XXXX ). The following week I called TransUnion to see if my record had been updated. I was informed that no and I called XXXX back and it was suggested to me to put in a dispute with the credit bureau to try and make the process go faster. I put in a dispute with the Credit Bureau on XXXX/XXXX/15. I was also informed by XXXX that the balances would be sent for electronic update on XXXX/XXXX/15. I was assured by Transunion that because the amounts would be sent electronically, they be updated immediately. I called TransUnion on the XXXX and XXXX of XXXX and the amounts were not updated. I called XXXX and they assured me that the new amounts were transmitted on XXXX/XXXX/15. On TransUnion 's end though, they showed the new amounts were not transmitted. I talked with managers at both TransUnion and XXXX and neither parties were willing to talk with each other to resolve my issue. In the mean time, I am late on paying my daughter 's student loan ( it was due XXXX/XXXX/15 ), I am stuck with a loan application with a high rate, and my options for recourse are barred by both XXXX and Transunion. Please help. My daughter really wants to go to school and give back to society and it would be a shame that she is held up from doing so because of this financial quandary I am stuck in as her parent trying to help. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : There are several accounts that appear on my credit report which I do not recognize. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Yet again for the 3rd time today experian emails me another lie saying disputes are ready but of course they are not
Product: Credit reporting or other personal consumer reports

I put in a request for my XXXX account to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against XXXX and transition. I sent you the proof the account was paid in full. There is a difference between paid in full and closed.
Product: Credit card or prepaid card

On XX/XX/ I contacted Synchrony Bank/Care Credit in regards to the fact that their policy of applying an interest rate of 26.99 % to my account was not made clear to me by the company both when I applied for the loan and throughout the course of my loan. Per their Terms of Service I filed an Appeal Form and included the necessary documentation because, as stated on their Appeal form I was not adequately informed I would owe interest on my account if the balance was not paid in full by the end of the promotional period nor that interest accrued on my balance during the promotional period starting from the date of my purchase. The Care Credit card was advertised as " interest free. '' By the time I had paid off my Synchrony/Care Credit loan, I had paid over {$2100.00} in interest even though my payments were always on time. 

Though the letter on XX/XX/23 was my fourth time attempting to contact Synchrony/Care Credit, I have yet to receive any response from them in writing. Strangely, the only response I have received was an email on XX/XX/23 from Synchrony/Care Credit informing me that my dispute had been resolved with a link to fill out a survey. Just to be clear, never once did they reach out to me to resolve this, so I'm hard-pressed to understand how they can thus determine it resolved. 

I'm writing to you because I have exhausted all other avenues with attempts to contact this company to work at some fair resolution. Moreover, I have long since paid this loan in full and have ( despite repeated written requests ) never received written confirmation the loan is paid off. 

Thank you for your time. I look forward to working with you in hopes we can generate a fruitful response from Synchrony/Care Credit . 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Had a bearing go on the car after paying off almost XXXX dollers with no problems bearing went out and cost me XXXX dolleas to pay for that payment it would have cost me XXXX dollar, s that month asked to put that months at the end of loan they refused and reported my car with almost XXXX dollars left sold the car for XXXX dollars and found out the company I bought the car from never told me I had repair coverage on the car at an extra XXXX dollar 's that company was also working with wells Fargo to rip off people by not telling us we had coverage that car places name was XXXX Auto when I went back in to that company nobody that worked with me the whole company had all new people and they told me that there was nothing they could do for me because they didn't know who I was and refused to help but if I wanted another car from them could help
Product: Checking or savings account

I was informed by Wells Fargo Bank that, because I no longer had a permanent residential address in the XXXX that I was required to close my accounts and direct the funds to be transferred to another bank. I followed the instructions provided by the bank explicitly. This included completing the Bank 's account closure form, having the form notarized by a local attorney, getting the notarization authenticated by an office of the XXXX government and submitting the documents to the address provided by the bank. I have a written report from XXXX XXXX that the package was delivered to that address on XXXX  XX/XX/XXXX. To date, nothing has happened, except that the account has been closed. Although I have made numerous attempts to reconcile this with the bank by telephone, my calls have either been unanswered or answered by individuals who were unable to assist in any way other than to transfer the call. The Bank has designed an impenetrable system to frustrate communication and avoid responsibility. Although I did manage to contact the bank by leaving a voicemail message and received a response by email, it was only to claim that they did not receive the account closure documentation and to direct me to call one of the numbers that they do not answer.
Product: Checking or savings account

My father gave a check of to cover my college expenses that I have just started in XX/XX/2021. The check was for {$50000.00} I deposited the check on XX/XX/2021. They told that the money would be available on XX/XX/2021. Couple of days later I was surprised to receive a letter on XX/XX/2021 from Chase bank telling me that they would close my account. XXXX XXXX I received a cashier 's check from Chase bank for the amount of {$640.00} I was surprised that they ignored my deposit of {$50000.00} completely. My father and I who has the same problem with Chase started talking and claiming with Chase bank even when my dad provided them with ever proof possible to validate the check. All has been in vain with my money holded back for no credible reason, this is not fair and this not how a bank like Chase should treat its customers. I need my money urgently because I have no other way to my tuition fees. I want to remind you that I am student at XXXX College XXXX XXXX and XXXX and my father issued the check so that I can continue my school but they put a hold in the deposit of {$50000.00} without explanation. 
The check as I was told by XXXX XXXX XXXX was cleared and cashed but yet they have not sent my money back. I urgently need the money to pay my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. XXXX does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, XXXX AND TRANSUNION ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH TRANSUNION, XXXX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that TRANSUNION AND XXXX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT TRANSUNION AND XXXX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.
Product: Credit card

Consumers have a right to opt out/limit sharing by credit card companies so they do not market our information at our expense. I received a notice from Macy's/Bloomingdale 's in the mail today telling me that I had the ability to opt out by calling an XXXX number listed on the notice ( XXXX ). Although it is unfair to expect the consumer to opt out ( they should ask us if we want to opt in ), I did so by calling the number as directed. I subsequently got passed around to XXXX different people and after 25 minutes on the phone I was connected to someone who could help ( XXXX, Macy 's customer service ). This is a deceptive trade practice. It creates a barrier for consumers to exercise their rights by having them spend 25 minutes on the phone. Most people would have simply given up and the credit card company would have gone on sharing my information at my expense. The law needs to change so that consumers, not corporations, have their privacy protected by default. I eventually was successful, but it is unreasonable and a deceptive practice by Macy 's to prevent consumers from limiting the sharing of our protected information.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX Account Balance {$19000.00} XXXX XXXX  XXXX XXXX XXXX Account Balance {$3500.00} XXXX XXXX  XXXX Account Balance {$4400.00} XXXX XXXX XXXX XXXX Balance {$23000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX, Are reporting a business credit card from my previous employer on my credit report. I have stellar credit and I was listed as a authorize user on the account NOT THE OWNER. I no longer am employed with the company and I have been victimized by the credit reporting agencies. This is not right and I would like for the credit bureaus to be held accountable for their actions. This mistake has cost me the opportunity to purchase a new home for my family and It should be fix ASAP! 

I have sent certified mail to XXXX as well as all three bureaus, the only option I have if this doesn't work is to SUE all parties involved... Please Help!
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about a late payment reported by XXXX XXXX on my credit report dated XX/XX/year>. I have made multiple attempts to resolve this matter directly with the creditor, including a recent request for a goodwill adjustment due to being laid off of work. Despite my efforts, they were unwilling to remove the late payment from my credit report. 

I believe this late payment does not accurately reflect my payment history as I have consistently made timely payments before and after this incident. I am requesting the CFPB 's assistance in addressing this issue and advocating for the removal of this late payment from my credit report.
Product: Vehicle loan or lease

I financed the vehicle in XX/XX/XXXX. By XX/XX/XXXX the vehicle had been totaled lost. XX/XX/XXXX my insurance company made a payment of {$8500.00}. I was told by the finance company that the gap insurance was approved and would take care of the reminding balance. On XX/XX/XXXX the gap insurance kicked in and it didnt cover the reminding balance. So Im left with a {$220.00} balance. The finance company reported to the credit bureaus in XX/XX/XXXX that my account was current. In XX/XX/XXXX they reported that my account was 60 days or more late. If two payments were made to my account. One on XX/XX/XXXX and the other on XX/XX/XXXX. How can they report in XX/XX/XXXX that my account is late?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no purpose