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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For some reason, some time on XXXX, I started to received some letters regarding an alleged account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, at that time I really did not know what to do and I forgot about it. Unfortunately, earlier this month, after pulled and reviewing my credit report, I found out that account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, I have not idea of where this collection account is coming from, in other words, I am not the Debtor of this account. So I am requesting to remove it as soon as possible from my credit file.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I tried talking to someone 2 days before my sale date of my home. The company told me my house was up for auction in 2 days there was nothing they could do. The company failed to give me a scheduled hearing before the sale or auction of my home. I also received a letter this past week stating that they received a upset bid as well that was received in the county clerk of court office. I tried calling the company and their lawyer office as well and have not received a return call from either one.
Product: Credit reporting or other personal consumer reports

I noticed SYNCB/PPC and XXXX furnishing illegal information on my consumer report. There are late payments reflected on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. There are also Charge offs being reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, these furnishings are illegal and bearing on my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian and XXXX about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to XXXX and Experian. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX XXXX  account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. states A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent documentation to both Equifax and XXXX, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are Equifax and XXXX  reporting it as accurate??
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # 1903, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

My complaint is with Synchrony Bank and their Walmart credit card services. I had not received a billing statement yet, but I had wanted to start making payments, so I called the phone number on the back of the card. I was told I could pay that day, that my payment due date would be the XXXX of every month and that my minimum payment would be {$25.00}. I made my payment for that billing cycle on XXXX XXXX for {$26.00}. For the last week and a half, I have been getting constant phone calls informing me that I never paid my bill. I had posted my payment online on XXXX XXXX and the money was removed from my account XXXX XXXX. The first person I spoke to about this incident informed me that I had posted a payment on XXXX XXXX but that it never went through. I have iron clad bank statement proof that it was removed from my account for " Walmart Card Services. '' After numerous confusing phone calls to Synchrony, I was informed that I made my payment too early and therefore, it did not count towards that particular statement. I am being charged a late fee, plus a back payment, plus another late fee and a negative impact on my credit report. Out of all of that, they only agreed to remove XXXX late fee, when there should be no late fees and no extra payments needed. No one should be penalized for making a payment too early and that is exactly what is being done. I doubt that I am the first person to experience something so absolutely ridiculous, but I never the less, feel that this should be brought to your attention. This is a blatant example of how hard working, honest citizens end up with nothing. I want the late fees removed. I want the negative impact this has made on my credit report righted, and above all else, I want this to never happen to anyone else, ever. How is it legal to punish individuals for repaying a portion of debt too early? If this is legal, I would like to know under what statutes of law immediately. Synchrony and Walmart should be ashamed of themselves.
Product: Credit reporting or other personal consumer reports

Experian and XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experianand XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian'ssnd XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Account opened fraudulent and altered checks deposit into the account, i never had a problem banking into recently
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, PAYMNT 1 Date of Inquiry XXXX XXXX, XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX XXXX
Product: Vehicle loan or lease

My husband and I opened this auto loan XX/XX/XXXX. I scheduled the payment for XX/XX/XXXX like I did every month since we opened the account and somehow the payment was not applied correctly, and Wells Fargo Dealer Services reported a 30-day late. I would have thought that as soon as the payment was past due by 1+ days not 30 days that we would have been contacted by Wells Fargo Dealer Services however we were not. I only discovered the payment hadn't been applied correctly when I went to schedule the payment online for XX/XX/XXXX. At this time, we decided to payoff the loan. The payoff was processed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is paid off. Court records state that and have last payment proof. Put on credit report as in collections.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Account from my credit report as well as Remove or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX Balance : {$4600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax began reporting accounts on my consumer report without my written consent. For over 6 months I have been submitting my request for the accounts below to be removed from my report but Equifax continues to ignore my request : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX ( in which collection Bureau XXXX XXXX sent a request on XX/XX/XXXX to have this account removed from my report but Equifax continues to say the company certified its accuracy ), Diversified Adjustments, XXXX, & XXXX which was just recently inserted back into my report after it was deleted.
Product: Credit card or prepaid card

I paid off my Bank of America Master credit card for {$18000.00} on XX/XX/2020. On XX/XX/2020, I received the credit card statement for {$100.00}. I called the Bank of America ( BOA ) customer service to remove {$100.00} and she said the fee can't be removed. Furthermore, the customer representative didn't give a clear reason why I am being billed when I already paid off the credit card balance including the interest fee. 

The Bank of America application payment page on a desktop computer is misleading and confusing. 

1. When I make a payment, the application didn't give me a chance to review my request before it submitted the payment.

2. The application doesn't allow me to remove my bank information even there is no pending transaction.

3. The application doesn't clearly show the payment statement.

4. The email confirmation notification doesn't show the exact amount that was paid. The email displayed 'the minimum amount due, Amount Due, and Account Balance ''.

I had to pay for {$100.00} so the Bank of America won't add more fees. I should not have been billed.

I would like CFPB to look into these issues. I believe BOA is wrongly charged me and they aren't transparent with their charges, fees, their web application, and email notification for payment confirmation. 

Thank you.
Product: Credit reporting or other personal consumer reports

I requested the creditor to send me bank transactions record that I was ever late on this account. This account payment status is 30 days late as of XXXX Even though the account has been paid. The creditor and the Bureau failed to do a proper investigation because the comment section has not been updated since XXXX  The creditor never updated that the account was in dispute. I have sent over three letters to the creditor. The creditor has reported to experian that this account meets FCRA Requirements but they have multiple violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign a contract with them. XXXX XXXX sold the school and left thousands of students un informed and some did not even have a teacher 90 % of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed on the Experian Credit report are two addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Address ID # XXXX Single family
Product: Debt collection

Debt collector ( XXXX XXXX XXXX ) called and I did not verify debt or any information with them. Customer service rep stated this is your bill not mines. I have disputed a bill through them written and sent through that I had with XXXX and informed them in the letter that I would be paying XXXX directly. They have placed unauthorized charges on my credit report although the debt is owed to XXXX and NOT their agency. This has had a negative affect on my credit report and the call times have interrupted my job and time with family with the constant harassing phone calls for a debt that I do not have through their company.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional reporting on each credit report with XXXX, XXXX, and Experian. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
Product: Checking or savings account

In XXXX I opened a safety deposit box with BB & T bank ( now Truist ) in XXXX XXXX The same year I returned the keys to the employee and expressed my desire to close the safety deposit box. The employee said they would take care of the issue. The box was never closed and when I asked the bank to close it I was told I needed to return the keys. I explained that I had already given them to the bank employee. Unbeknownst to me the employee had left BB & T bank by that time. Over the years I brought the issue up to multiple managers and employees and kept letting the run around. I was charged {$58.00} every year for said box. Im XXXX ( right before XXXX ) I again spoke with a XXXX at this branch. The XXXX agreed to drill the box and if it is empty we can refund your money. When I tried to schedule a time to do this I was told because of XXXX it could not be done. At some point BB & T became Truist but nothing changed. I was still being charged and still getting the run around. Finally in XXXX they agreed to stop charging me and refunded me {$58.00} dollars for that year but did not refund for the previous years. This amounted to approximately {$580.00}. When I again inquired I was told they had to send away for records. Nothing was done. Today I spent XXXX hours on the phone with Truist costumer service. They also spoke with the XXXX at the XXXX XXXX XXXX about the issue ( they had recently closed the XXXX branch ). The XXXX refused to refund the money that was taken from my account. I was told they would not do anything to remedy the situation.