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

Equifax disputes division updated balances on XXXX  of my accounts to reflect I owe XXXX  dollars on these XXXX  accounts, but when it comes to changing and updating my credit report to reflect I owe XXXX  dollars, Equifax still has not updated this area of my credit file. They are showing very high credit utilitzation on XXXX  accounts that have been paid approzimately on XX/XX/24. 

XXXX XXXX- {$26000.00} is still showing as owed even though it's XXXX  owed on account ending XXXX. 

XXXX XXXX {$3800.00} is showing as owed even though it's XXXX  owed on account ending XXXX. 

XXXX XXXX- {$10000.00} is showing as owed even though it's XXXX  on account ending XXXX. 

Equifax 's failure to update my credit report and only update it on their disputes section of my file is severely hurting my credit score and affecting my ability to purchase a new vehicle at a reasonable interest rate. I've disputed this with Equifax and the XXXX companies over the past XXXX weeks and all XXXX  companies claim they've sent the updated information to Equifax. I believe all three companies have sent the correct information because my XXXX file has been updated showing I don't owe this money anymore. Equifax file even shows I don't owe this money on their disputes page, but when you look at my credit report, it still shows I owe these amounts. Equifax is failing to update my credit report accurately.
Product: Debt collection

recently received a copy of my credit report and found proof that TRANSWORLD SYSTEMS is illegally reporting inaccurate information about me to XXXX. XXXX, XXXX XXXX, and XXXX The alleged collection account is not only listed as being open ( on report it states date opened XX/XX/2023 ) but also has reported a PAST DUE BALANCE of {$1300.00} with an update to all three credit bureaus regarding this alleged account being sent as recent as XX/XX/2023. This is a violation of the FCRA and is in violation of requisite XXXX  Compliant reporting standards. According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and the credit bureaus are required to remove any information that is not true, verifiable and accurate. I would like this account IMMEDIATELY removed from my credit report and I would like the company ( TRANSWORLD SYSTEMS INC/TSI ) to send me an updated report showing their compliance with all XXXX  reporting standards and this account removed upon completion. This fraudulently collections account has SIGNIFICANTLY NEGATIVELY impaired my ability to get credit, life insurance, and capital funding. I have never heard of Transworld, until the collections appeared on my credit reports. I have received NO prior notification from Transworld via email, mail, or phone call and have no debt history or prior business relationship with this company. I found supporting documentation that the original signed contract from the original creditor is null and avoid. The original creditor presented false accounting information in addition. The original creditor presented a closed paid account as open and wrote a business loss of their on annual taxes to reduce their tax liability while apparently sending my file to collections. Again this account has been paid in full ad was closed several years ago. The original lease is null and void ( as co-lesses signatures are missing from the original signed contract ( XXXX XXXX XXXX XXXX XXXX XXXX ). The accounting history provided in full is fraudulent and full of errors. I would like TransWorld/TSI to remove all collections accounts being reported to all credit agencies immediately given the violation of the FRCA and failure to maintain compliance with strict XXXX XXXX requirements and regulations ( I would like to see an actual carbon copy of the files shared between the original creditor, third party agencies, XXXX XXXX and the three credit bureaus, all meeting XXXX compliance guidelines. I would like a list of all individuals ( full names and contact information for all team members who have personally reviewed my credit file, this alleged collection report, and the name of the person that ultimately made the decision to add this to my credit profile. I also need to see in great detail how your company TransWorld/TPI Inc has maintained XXXX compliant standards in your reporting and sharing of information regarding my credit file to all parties involved. Thanks in advance for your attention to this matter. Regards, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit card or prepaid card

Update to complaint Filed with ( XXXX ) XXXX consumerfinance.gov XXXX XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems Froze my credit card CAPITAL ONE BANK USA Date submitted XX/XX/XXXX Just received email From consumer finance That you were still working on this Document Upload Success Print this page Case Information Case number : XXXX Reference number : XXXX After numerous attempts Of faxing my documents to capital one they are still saying they never received them Finally they sent email with link To upload my documents Uploaded so many documents so many times Still saying never received them Finally one day they said received them But you still need to provide us with the picture of my ID back side Still have uploaded numerous times They still have my account froze My XXXX XXXX account is linked to both my credit cards with capital one which i have used since XX/XX/XXXX to pay on my account Having my personal banking information is proof enough of my identity But no thats not good enough Federal law states If your ID doesnt have your current address they can request utility bill I have, already uploaded here documents capital one has I have sent more since then that i will upload as well
Product: Debt collection

The automated message they leave in voicemail : " We have an important message from JP Recovery services , Inc . This is a call from a debt collector, please call XXXX. " I do not answer any of their phone calls. The only debt I have is the financing on my car, which I make all payments on time and there are no issues.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. looking over all of the data listed ive noticed all information is listed illegally an fraudulent information that has caused major delays on my credit report. please review an remove the listed items to help clear my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. our oldest dare and these yet is such XXXX XXXX we shall see when the XXXX has all the facts. Guess what yall?! More violations from the the XXXX XXXX stemmed. ll, Violation # XXXX Improper and inconsistent first date of delinquency does not match! So ah XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # XXXX How can the first day of delinquency br on the same day the services were provided? So they are all wrong - these clown cant seem to get it right after all these disputes! its their bills that probe its all wrong!
Product: Credit card or prepaid card

I was charged a late fee because the credit card company stated I was an hour late paying my bill. They said I needed to pay by XXXX XXXX- I live on the XXXX XXXX XXXX I have never had to pay a bill by a certain time of day. Payments are required by a certain date- in my experience, ending at XXXX  ( local time ) based on my location. When I called to have the fee waived they refused to even discuss it saying I had to pay by the time they stated regardless of where I lived. They also said they already waived a fee for me in XXXX but I have not had the card that long. I believe this is an attempt to fraudulently collect fees and take advantage of senior citizens ; I am over XXXX XXXX XXXX.
Product: Credit card

On XX/XX/24, I opened a checking account XXXX to PenFed with {$5.00} fee for the sole purpose of applying for credit cards to do a balance transfer. On XX/XX/24, I spoke to PenFed representative and he explained the various products ( credit cards ) and I explained in detail that I required $ XXXX to pay-off a balance transfer. The representative disclosed that the credit card limits as follows : XXXX XXXX $ XXXX, and Visa XXXX  $ XXXX, and so I took his recommendation and submitted for both cards separately so that I could get approved for both cards totalling $ XXXX. On the same date, I received a conditonal approval for $ XXXX pending proof of earnings, and received a declined on the $ XXXX. The PenFed representative said that the decline would come via first class mail and so I requested to speak with a manager and was told that she/he would return my call. The representatives stated that the decline letter comes in the mail which, I believe would take up to XXXX days before I receive it. I will apply to appeal the decline through all governmental agencies to denounce these practices which, are deceptive and misleading marketing tactics against minority groups.
Product: Credit reporting or other personal consumer reports

Hello, I have been back and forth with First Horizon Bank for a few months. 
My primary home was bought under the countys Homeownership Section 8 program, the county makes the payment directly to First Horizon automatically electronically every XXXX of the month. 
I reached out to XXXX XXXX XXXX they confirmed this information and told me I am not the only person this is happening to. They mentioned that they pay on the first but First Horizon is posting the payments late. 
I had XXXX XXXX XXXX send me proof of payments from XXXX which showed the payment being sent on the first of every month. 

For the Past few months, every first week of the month I get a notification from XXXX XXXX and experian that my payment is past due and no payment was received which ends up hurting my credit drastically. 
I have disputed on XXXX XXXX  and experian. 
I reached out to First Horizon they did fix XXXX and XXXX payment but there continues to be inconsistent information between all XXXX credit bureaus. I have been emailing with XXXX and he says the information is accurate but its not. Im attaching conversations between XXXX and I via email.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 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. 

Account Name : XXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Chexsystems has received a dispute and has been provided with additional information pertaining to disputes and they refuse to respect the rights of U.S Citizens. I have provided the proof in an attachment that Chexsystems violated my consumer rights by sending me verification information pertaining to these accounts at the same time they were receiving notices of fraudulent accounts from XXXX. Chexsystems is also doing sham investigations similar to XXXX and should be included in lawsuits from the CFPB as well. They have also received correspondence confirming my communication with XXXX and the account being fraudulent directly to them as well. The letter I received from them today confirms the fact that they are not doing any real investigation and their investigation process mirrors that of XXXX. If they were doing any real investigations, the accounts would have been deleted a long time ago. They have violated 1691b along with a list of other laws pertaining to investigations and accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft as a result of a recent data breach. 
Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall failure reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. 
I demand to see variable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX. Creditor Name : XXXX XXXX XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX. Creditor Name : XXXX XXXX XXXX  XXXX. Creditor Name : XXXXXXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I applied for a credit card with XXXX  and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and XXXX  fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.
Product: Checking or savings account

I made a deposit of {$XXXX} which was a United States Treasury check on XX/XX/2024. Bank of America put a hold onto funds until XX/XX/2024 and made it not available stating that the have placed a hold on your deposit because they have information indicating the check ( s ) may be returned. They state that United States Check might not have available funds to cover this check. 
I request funds to be available immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a confused consumer because I filed a dispute with the credit bureaus ( XXXX, Transunion, & XXXX ) and these XXXX XXXX XXXX companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of XXXX XXXX. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged XXXX XXXX XXXX and I was sent any proof of the method of verification by the credit bureaus.
Product: Credit card or prepaid card

I sent a duplicate payment to Capitol One bank on my credit card account. The payment amount of {$9100.00} was sent on the XXXX and the XXXX. I contacted both my bank, XXXX and Capitol One. They keep pointing me back and forth and neither will assist me in getting me money back. I have called XXXX twice on XX/XX/XXXX each time they stated that Capitol One needs to refund the payment. I have called Capitol One three times, XX/XX/XXXX, XX/XX/XXXX and XXXX, each time I am told it will take 5-7 business days. It has been 8 business days and the refund has not been processed. Capitol One refuses to give me a reason for the delay. Refused to escalate my request. The Customer Service Supervisor, XXXX, refused to let me speak to a Manager or Director. Refused to contact another department. Refused to give me any recourse on filing a complaint regarding her lack of customer service. It took two days for XXXX to process my payment and Capitol One to receive it, yet after 8 business days they still have not processed my refund or give me a reason for the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. XXXX XXXX continued to report inaccurate information to all 3 the credit buraus. After each dispute XXXX XXXX would come back and say the information they are reporting was accurate. In XXXX, Equifax deleted the account after a dispute due to the continuous inaccurate reporting from XXXX XXXX. I grew so tired of the back and forth between XXXX XXXX, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from Equifax indicating that XXXX XXXX requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My Equifax credit score took a hit for the reinsertion of an account with debt I don't actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX