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

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries ( XXXX XXXXXX/XX/2022 ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXX/XX/2022 ) ( XXXX XXXXXXXX ) that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that are not mine. 


On XXXX the inquiries are ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) that are also hurting my credit and those inquiries need to be removed because they are not mine.
Product: Credit reporting or other personal consumer reports

I paid off XXXX XXXX, eqiufax and XXXX has shown that neither adjustment wasnt made to my credit score
Product: Credit card or prepaid card

This is a continuance of my previous CFPB complaint ID # XXXX that was closed, I received my bill yesterday ( XX/XX/XXXX  ) and the credit limit still says {$500.00}. I still have not received my card so I cant look up any information online regarding this account without the card. I placed an order over the phone on XX/XX/ since I still do not have a card. Each time I placed the order on XX/XX/2023 with the Macys Representative in the Order department over the phone, the order was cancelled three times. A few times before the Macys Representative could give me all of the order number information, I was getting an email and it showed online under my online Macys Account as cancelled by Macys. The 4th time I called about this exact same order that keeps getting cancelled. I was spoken to very rudely and I was hung up on by the Macys Representative. No one could tell me why this keeps happening. No one could tell me when I will receive the Macys Card. Since your calls are recorded for quality assurance, please review all of the calls I placed between Sunday XX/XX/XXXX  and Monday, XX/XX/. This has been very frustrating and I cant seem to get information and good customer service. How do I receive a bill before I even receive my card? The bill still says {$500.00} credit limit. I did receive a denial letter in the mail from Macys for a Macys American Express Card that I never applied for. I have only ever applied for the Macys Sore Card which I still have yet to receive and the credit limit per the bill has not been adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke with a rep at each of the following companies, Experian, XXXX, and XXXX about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.
Product: Credit reporting or other personal consumer reports

Information unlawfully sold to others from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello here is a list of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I Disputed 6 late payments entries with all 3 credit bureaus XXXX, equifax and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

such XXXX CFPB complaint numbers : XXXX XXXX XXXX XXXX XXXX XXXX with the complaints were : 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, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 


the second complaint to all three reporting agencies were also : did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX-XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX  XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

I apply in XX/XX/XXXX for loan assumption, on XX/XX/XXXX the Assumption Department told me that the assumption got approved and be will reported on XX/XX/XXXX and until now XX/XX/XXXX I did not get any answers even do I been call and spoke with customers services supervisors several time were they told me it will be reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they are playing with me making spend my time several hours, not body telling me the true today XX/XX/XXXX, another customer service told me that, the company XXXX XXXX XXXX do not report anything to the credit bureaus, because they don't have to do so, and I spoke with his supervisor and he told me again the loan will be reported on XX/XX/XXXX, they are not taking serious they job, nobody now what to answers, they provide really bad services, they don't care about the services or the customers, I am frustrated because it is almost 1 year and they not finish the assumption like others loan mortgage who does in between 1 to 3 months the most. The assumption department never can get rich, the customer services does not provide true information, they never calling back, they lie to me. I can not trust this company as my loan mortgage company. They did not report to the credit bureaus and I am paying the house without any missing payment. They look like discriminate to me and with that they are trying to make me miss a payment. I want the loan to be reported immediately with not excuses.
Product: Mortgage

The bank never disclosed the notice of right to cancel require by the TILA and never explained to us anything.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

On XX/XX/year>, upon successful verification, I created account with XXXX XXXX  ( affiliated with Webster Bank ). I initiated a transfer of {$10000.00} from XXXX Account to XXXX with ACH. Upon learning from several online sources/reviews of scam like and fraudulent tactics by XXXX in the past ( consumers unable to access statements, able to deposit but not withdraw money in accounts, past privacy breaches, ongoing litigation with Webster bank , etc. ) immediately reached out to XXXX to ask the transaction in progress be halted and money returned to XXXX account. XXXX  deceptively claimed that they couldn't do this and doing so XXXX result in up to a month to release funds to XXXX. Trusting the representative to wait a few days, I received confirmation initial funds transfer request from XXXX to XXXX was completed XX/XX/XXXX. I initiated an external transfer out from XXXX account after and received a funds transfer request confirmation, on XX/XX/XXXX. XX/XX/XXXX, I received a notification with no explanation other than that external transfer was denied due to 'insufficient funds ' despite {$100000.00} displaying in XXXX account. Additionally, received a letter in the mail on XX/XX/XXXX displaying a negative {$35.00} in the account and a hold on the account. All throughout these events, reached out numerous times to Webster BankXXXX for assistance and received different information from staff and managers ranging from explanations of new account, extended ACH transfer times, insufficient funds, and requests to wait longer and try the external transfer again. On XX/XX/XXXX, after speaking with XXXX claims department, submitted information asking to investigate and retrieve {$10000.00} that XXXX won't release. XXXX has taken up the claim and investigation is underway, trying to reclaim the funds. WebsterXXXX in response froze my account ( suspended ability for external transfers, no effect on internal ) on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent online disputes to all these companies and they continue to report inaccurate information. 

CONN APPLIANCES INC Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX & CO Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Debt collection

To SELECT PORTFOLIO SERVICING INC Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room  XXXX    XXXX   XXXX   XXXX  .,   XXXX   XXXX  , DC   XXXX    Ref. : Select Portfolio Servicing Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to SELECT PORTFOLIO SERVICING ( SPS ) to disclose the following information regarding the loan account #  XXXX  : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
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On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX    said Consumer Financial Protection Bureau that it has conferred with SPS and SPS does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date. Select Portfolio Service Inc. has failed and refused to provide the above information since  XXXX .
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Sincerely,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX
Product: Checking or savings account

They have restricted my account due to check activity, however, the mistake was made by the institution and not myself and the institution has rectified the mistake and proceeded to send me a new check. However, until the Navy Federal Credit union completes its investigation I have a negative bank account. My finances have been on a complete hold due to this process that was supposed to take 15 business days, now being told it will take up to 60 days. 

60 days with no money? My children are out of town and I mainly support their living expenses however they are not able to use these accounts because 1 all of their money was drawn from the account and fees were applied. 

I have been personally been treated as if I was a criminal and overheard staff members discussing my case while I was trying to resolve this in the branch in XXXX, GA. 

I have been out of travel expenses, wages, and personal pain and suffering from this whole ordeal without a since of empathy or care on how this could be altering my everyday living.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$290.00} for goods not received/counterfeit in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Specifically : The incorrect information are specifically the score factors. And only the score factors! The pictures in the attachments specifically Show the same 5 score factors in good standing = ( Green ) and 1 one negative score factor = ( Red ). I WANT THE NEGATIVE SCORE FACTOR REMOVED. Because the score factors are generated from information in my credit file. And this score factor has no matching origin from my credit file. And if there is not an agenda to falsely and negativity restrict my credit score, then why every time I bring the one negative factor out of the five score factor into question. to be removed. It is not removed but the false reason for the negative score factor changes. Not once but 3 times as I showed you in the picture attachments. That action is nothing but illegal And still leaves me in the same place Ill started, with 4 good factors and 1 bad.
Product: Debt collection

I am the debtor 's mother. I am handling this because he has been diagnosed with XXXX and can not handle anything at this time. 

However I am willing to pay this if it, in fact, his debt. But there number on the collection notice only gives me a message " All operators are busy at this time. '' No matter how many times a day I try to call. I do n't want to pay it unless I know for sure it 's my son 's debt. They do n't have his name on the collection notice correctly, so I need to talk to someone about it.
Product: Payday loan, title loan, or personal loan

Payment was due XX/XX/2020. Was unable to.make payment, called company to work out arrangement to pay past due bill. I am out of a job, so don't have means to give firm date of payment. I assumed everything was arranged, and got email from company to confirm. I have recieved 5 calls In the 24 hours since I talked to them. I spoke again to an agent, And he assured me.that I would not receive any more calls for at least two weeks, and I would update them as to employment. I have since recieved 3 more calls within 6 hours of that call. This is harassment, and if I get a.new job, could cost me that job.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer, I am now Opting Out of Any and All authorization I the consumer may have given you written or non written, verbal or non verbal per 15 USC 6802. I would also like too add 15 USC 1681, all the 31 address on my credit report needs to be removed. The Discover Company is disclosing my utilization which is private information with that being said that is considered violation of my privacy which is 16 CFR 433.3. I'm not closing any accounts just want to update my credit report. It is a {$1000.00} fine for each violation. There seems to be many on my report.
Product: Credit reporting or other personal consumer reports

I've disputed the incorrect Balance on XXXX XXXX  and provided proof this loan was paid off atleast 5 times to XXXX XXXX,, Equifax and XXXX. All XXXX companies have not updated or removed the loan from my credit report and they do not have a live customer service representative that I can speak to. I've disputed the hard loan inquiries as I have not given the companies permission to check my credit and they should have deleted it from my credit. Again, I've provided and disputed the loan amount because it is incorrect and the balance I'd completely paid off to XXXX and XXXX XXXX.