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

I have filed several disputes and never received answers to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this credit inquiry nor did i allow it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/year> I deposited a check from the dept of treasury that was issued to my dad into my chase account. I was told the funds would be available on th XXXX XXXX XXXX once the XXXX came chase closed my account and suspended the funds until my dad could verify that he gave me the check to deposit. On the XXXX my father spoke to a supervisor by the name of XXXX who at that time verified everything. I was told I would receive a cashiers check within 5-7 business days. On XX/XX/XXXX I called to check thr status of said check and was told that the verification wasnt accepted by chase banks tool that they use for verification. I was told that they needed to speak to my dad on a phone thats registered in his name. When I gave them my dads phone number they said their system doesnt accept his number even though its coming up as his phone on the caller ID. At this point my father is behind on his rent and out of medication because theyve been holding his XXXX funds for over a month now.
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 Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 card or prepaid card

I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS AND THEY HAVE NEVER DONE THIS OR BEEN AS XXXX WHEN IT COMES TO CUSTOMER SERVICE. 

THEY STOPPED ALLOWING ME TO USE MY CREDIT CARD WHICH WAS THE ONLY FORM OF MONEY I HAD FOR THE WEEKEND OF WHICH JUST PAST AND THEY DID SO IN A FASHON THAT IS DISCUSTING. DISCUSTING NOW ON MONDAY THE CSR IS STILL BEING CONDESCENDING AND REQUESTING MORE DOCUMENTS LIKE I, AM DOING SOMETHING NOBODY HAS EVER DONE.

I, AM NOW THEY ARE BEING ACCUSATORY IN NATURE AND I DO NOT APPRECIATE THE EVEN THOUGHT. THIS COMPANY SHOULD BE FINED AND I WILL BE PAYING AND REMOVING ALL MY BUSINESS AS QUICKLY AS POSSIBLE WITH A XXXX  COMPLAINT AS WELL.
Product: Debt collection

This original creditor is still on my credit report as a closed account 1ST DIGITAL/SYNOVUS/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But XXXX XXXX  is reporting the same account as a collection XXXX XXXX XXXX Original creditor : FIRST DIGITAL XXXX SYNOVUS BANK Balance details 0 % paid off Balance {$530.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND If a consumer 's credit report shows a closed account under the original creditor and also as a collection by a collection agency, it could be seen as a duplication that may mislead the reader to believe there are two separate debts. This would be a potential violation of the FCRA 's accuracy requirements.

the FCRA that are potentially violated in this situation involve ensuring the accuracy and completeness of credit reporting, particularly Sections 1681e ( b ) and 1681s-2.
Product: Mortgage

I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XX/XX/XXXX to eliminate any financial penalties (late fees, credit worthiness) after suffering from an unfortunate and unforeseen life event leaving me with a $XXXX bill. I was assigned to XX/XX/XXXXTay who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehle’s bank couldn’t process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasn’t correct. I called XX/XX/XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially (reporting and fees) and she stated it would not. If she had responded to questions differently (accurately) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist (XX/XX/XXXX Tay) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with (&was told this would be the agreement I needed to honor for 12 months) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided  full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing t

o : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.
2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax, XXXX and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.
Product: Credit reporting or other personal consumer reports

Amount : {$470.00}. Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXXXXXX XXXX XXXX XXXX XXXXXXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXXXXXX XXXX  XXXX and requested a credit increase. To do so, I was required to unlock my frozen credit. The first two times, I was requested to unfreeze Experian. I did so, and was told the credit was frozen. On XX/XX/2022 XXXX told me to unlock XXXX which I unlocked for two weeks. I again received a denial because my credit was locked and needed to unlock Experian. I called on XX/XX/2022 and spoke with XXXX with XXXX. She requested I unfreeze my credit with Experian. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with Experian and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with XXXX. I verified on the Experian site that my credit was unfrozen. Experian is unreachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX XXXX TransUnion ). They have failed to remove information that was affiliated with personal details that were  challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN TRANSUNION IS THE ONLY CREDIT COMPANY REPORTING A MEDICAL BILL ON MY CREDIT REPORT XXXX XXXX XXXX. I THINK THIS IS A MIX UP THIS IS NOT MY ACCOUNT AND THISM IS FRAUD.
Product: Credit card

Macy 's, now for a third time in as many years charged me a late fee of ( this time ) {$27.00}, plus an interest charge of {$5.00} on my most recent statement balance due of {$280.00}. I mailed the balance of {$280.00} last month ( from XXXX, XXXX to XXXX, XXXX ) on XX/XX/2016. The payment was due on XX/XX/2016. Macy 's posted the payment in their system on XX/XX/2016 ( one day late ... conveniently ) which resulted in them charging me the late fee and additional interest charges. As above, they have done this to me before, and when I call customer service, they are " happy to reverse the late fees and interest for a valuable long time customer. XXXX ( customer service rep # XXXX ) stated that " we always waive fees if our customer is upset ''. I confirmed with her that the call was being recorded. I have closed the account, but I 'd like this investigated. I believe they purposefully hold checks for posting until the account is late, for the purpose of adding late fees and interest. 

I typically have paid my balance in full with them as soon as the statement comes after I have used their card. Again, this is not the first time they have done this to me, and I see quite a few complaints about similar behavior with other consumers on the internet. 

I am happy to share statements or any additional details you may need to properly investigate this matter. 
Thank you!
Product: Credit reporting or other personal consumer reports

On XXXX as of today XXXX  I can not access my consumer report from experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my XXXX credit report and Dynamic Recovery Solutions has accessed my credit file 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any collections with this company, I have not been contacted by them about any debts, thus they are illegally pulling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ion know who open these accounts I have to figure out who did this to me! I am sick to my stomach and I need your help outting these companies. they have messed up my reports and I'm ready to buy a house. My loan officer told me to make a report so here I am.
Product: Credit reporting or other personal consumer reports

Remove immediately from my credit report based on previous reports time the company reporting will provide and dates based on the laws not my personal feelings. TransUnion XXXX and XXXX are all call conspirators of this crime listed below there should be a XXXX charge if they dont remove immediately. 

25 CFR 11.417 - Extortion.

18 U.S. Code {$1300.00} - Securities and commodities fraud 18 U.S. Code 1033 - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " XXXX XXXX '' ) XXXX XXXX. XXXX XXXX XXXX was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to XXXX. XXXX 2021 " XXXX XXXX XXXX '' reported the account as 30 days late again. Then 60 days late in XXXX and reflected as current in XXXX 2021. The discrepancies continued, where XXXX reflected 30 days late and XXXX 2021 as 60 days late. Then current in XXXX and back to 30 days late in XXXX 2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. XXXX XXXX XXXX was notified on XXXX XXXX, 2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XXXX XXXX, 2021, and again on XXXX XXXX, 2021. It was XXXX XXXX XXXX due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to negative all in XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice that there are multiple fraudulent items on my credit report that I did not authorize. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Personal unsecured loan opened at XXXX on XX/XX/XXXX. This account have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquires as reported. The aforementioned account, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud. 

Hard Inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX date:XX/XX/2018 Collection account. {$1400.00} This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX  and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX  be cause by information was compromised they are completely aware of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding TransUnions failure to ensure the accuracy of the information reported on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

I requested that TransUnion conduct a comprehensive reinvestigation of a disputed item, provide me with a detailed report of their findings, and remove any information that can not be fully verified. But they have failed to do so and continues to list this account on my credit report which is hurting my ability to obtain credit. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I see a hard inquiry on my credit report by Capital One, However I never intended or tried contacted them for credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXX Account XXXX. This account was recently closed and then reopened after disputing it previously.