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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

This is XXXX XXXX and I am submitting this CFPB complaint to demand immediate correction of my Credit File in accordance with the FCRA. I have made repeated attempts to dispute several items on my report, yet they have been continually disregarded. It is imperative that you promptly investigate this matter as mandated by the FCRA. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. I need my Credit File clean from the following erroneous items : XXXX XXXX XXXX XXXX XXXX Balance {$50000.00} XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} XXXX XXXX XXXX Balance {$68000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trades commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX incorrectly reported a XXXX  day late payment in XXXX, but it was there mistake and not on my account. They have reversed the issue on their side so that it shows my account was always paid on time and never late. The bank has also sent in ( several times ) the corrected information to the reporting agencies, but this has never been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC, 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a credit, may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I have a Chase Sapphire Preferred credit card, and have had it since XXXX. I've had a {$13000.00} credit limit since soon after I opened the account. I've carried a relatively high balance for at least the two years ( thanks in part to COVID ) and the whole time Chase did nothing to reduce my credit limit. 

Around the middle of XX/XX/XXXX, I paid off the entire balance on the card ( with fees and interests, it was nearly {$14000.00} ). I paid if off in an effort to get my credit score to a point that my wife and I could qualify for a home loan. Within two weeks of paying off my card ( as well as another card I had ), Chase dropped my available credit from {$13000.00} to {$800.00} without any warning. I only found out after I tried to use my card and it was declined. 

I understand from the applicable Chase card user agreement that the bank can unilaterally change my available credit line, but it's pretty frustrating that they did this right after I paid off my card in full and paid the fees and near-usurious interest rates Chase charges. Of course the impact of this has been that my credit score has dropped precipitously. By dropping my available credit on this card so low, my credit usage percentage increased a significant amount ( from around 8 % post-payment to now 80 % ) and my overall credit available is now reported to be quite low. 

So, thanks to Chase making a unilateral choice to drop my available credit after the bank was fine with me having a high credit limit in the height of the COVID quarantine, my credit score is in a significantly worse position after having paid the bank back in full.

If I were a less responsible consumer, I would've defaulted on the amount I owe Chase instead of paying off my card. Kind of wish I was that kind of person now because there's precious little difference between having a default-level credit score and one around 610. Funny thing though is that if I paid just the minimum or well less than that balance, my credit limit likely wouldn't have been dropped as low. 

I spoke to two individuals in the Chase lending department to nicely request that they raise my credit rating back, both of whom told me there was nothing that they could do to raise my credit limit back and that Chase dropped my limit based on a " periodic review '' and its concern over some negative entries on my credit report. The insult to injury through this whole process is that the Chase representatives said they could not consider raising my credit limit back unless they accessed my credit report. So, I had to take another ding to my credit by Chase making a hard inquiry to look at credit information that it apparently was able to somehow access prior to making the decision to drop my credit. 

All I want back is my {$13000.00} credit limit. What does it hurt Chase? Haven't I alleviated my credit risk to the bank by paying Chase back in full? Wouldn't it make me a more loyal customer if they stuck by me and kept the status quo?
Product: Credit reporting or other personal consumer reports

Equifax has violated my rights of the fair credit reporting act this account XXXX account number XXXX don't belong to me this account was open on XX/XX/2024 without my knowledge i have disputed this account with Equifax and have not should me anything from the creditor that this account belongs to me
Product: Credit reporting or other personal consumer reports

I was alarmed to discover unauthorized inquiries on my credit report this afternoon, and I have no idea how they got there. I routinely check my credit report, and this time, I was shocked to see these discrepancies. Despite refreshing the browser to rule out a glitch, the unauthorized entries remained. I urge you to review the documents Ive provided thoroughly and resolve this immediately, so I no longer have to deal with this anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 


Equifax # XXXX but on my report the number isnt provid XXXX
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. 
Collections Account Name : XXXX XXXX XXXX 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 right. 
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

On XX/XX/2023 The Credit bureaus stated XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit card

I made a payment on my XXXX credit card on XX/XX/, but payment was sent to wrong bank, which refused payment. I realized this and made another payment of XXXX the next day. The first payment of XXXX was returned and reflects that on statement. Statement also shows a returned payment of {$2200.00}, which was total of my account. This amount was added onto my balance, which doubled my balance to {$4400.00}. At no time did I make a payment of {$2200.00}, nor make any purchases for that amount. I've called XXXX 5 times to get this taken care of, and was always referred to different persons. During the last 2 phone calls, I was sent to 6 different persons. None could help, and I was told the only person that could help me was OneMain Financial. I called OneMain and was told they have nothing to do with the credit card. The also over charged me interest in the amount of {$74.00}, which is twice the amount I paid last statement. Please help!
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 somebody tried to take out a loan on my name it was a fraud and the company refuses to close the account and remove from the credit report
Product: Credit card or prepaid card

Had a {$2500.00} credit limit and over night with no ch ange in credit score or missing payment or even a late payment ever, I had {$800.00} balance and they changed limit over night, and I have set it up to auto pay my bills. By doing this they have affected my credit score negatively in the most important way because it changes account balance/ to credit limit ratio. This is not fair and it happens all the time with banks of all kinds. They offer you credit and when you use it they lower credit limit to cause credit report to go down and then they can charge a higher rate of interest?
Product: Vehicle loan or lease

Purchased vehicle at XXXX detail XX/XX/XXXX, contacted seller about car problems XX/XX/XXXX, transmission, XXXX catalytic conversion, water pump, radiator, alternator, XXXX censors replaced in in XXXX. They would not help I know it was as Id put I was under the impression I was purchasing vehicle at buy here pay here for XXXX, I paid XXXX, up front. Car is a lemon. Got repossessed I brought it back cause XXXX stuck in loan told bank of all these issues. And they didnt look into it. Car dealer was closed down due to complaints from buyers.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention a concerning issue regarding an account on my report concerning a child support account. Reviewing my report I noticed a discrepancy that needs urgent resolution. 

On XX/XX/year>, I attempted to call the contact number listed on the report ( XXXX ) XXXX to discuss an outstanding balance of {$44000.00} listing on my report. To my surprise, the number connected me to a company that has no affiliation with child support services. This erroneous contact information caused me considerable confusion and delay in addressing my concerns. 

Given that this is not a credit account and the presence of this incorrect contact information on my report is both misleading and inappropriate, I kindly request a thorough review and correction of this error. Ensuring accurate and appropriate information on the report is crucial for me to resolve any outstanding issues effectively. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND SAW SOME DISCREPANCIES. IT'S THE INACCURATE ACCOUNTS THAT I DO NOT RECOGNIZE. PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently submitted a dispute directly with the company XX/XX/2021 along with calling them to let know they have me mistaken for someone else and the car loan was not mine. I STILL haven't received a response neither by phone or mail, I will really like this to be took care because it is not accurate
Product: Credit card

I purchased an airline ticket from XXXX XXXX at the XXXX airport on XX/XX/scrub>XXXX Twenty minutes later, I returned to XXXX XXXX to cancel my ticket. I purchased a new ticket but got charged for two tickets on XXXXXX/XX/year> on my bank statement. XXXX told me at PNC Bank that once you charge a ticket, you do not have XXXX to change your mind. Once you buy a ticket, that is it. How did this lady get that job?
Product: Credit reporting, credit repair services, or other personal consumer reports

Adverse information was found on this credit report, Name has been fixed, and addresses and phone numbers are correct. Falsified credit card closed from XXXX XXXX, Hard Inquiries unjustified and can not clearly explain which ones are legit. Please remove all Thank you!
Product: Checking or savings account

In XX/XX/XXXX someone opened up a NetSpend prepaid debit card in my name, using my information. They redirected my unemployment funds to this card for three weeks in XX/XX/XXXX and XX/XX/XXXX, stealing a total of {$1400.00}. I recently became aware of this by the XXXX XXXXXXXX who revived this information through a subpoena that XXXX responded to, stating that the pre paid debit card was issued by NetSpend. I cobtacted NetSpend several times via phone and email. Seems they are avoiding actually connecting me with a supervisor when I request one. They send me to a voicemail that doesnt allow me to leave a message and then takes me back to the beginning of the automated menu. Reps over the phone and via email keep giving me the run a round. I just need a statement in writing to submit to XXXX XXXXXXXX confirming that the account that received my unemployment funds was fraudulently created.
Product: Mortgage

AmeriHome Mortgage Delinquent payment home owners insurance last XX/XX/2020. Amount worth {$890.00}. They have been claiming that they already sent a check last XX/XX/2020 but my insurance company confirmed that they did not receive any check coming from my mortgage company and they have been communicating this problem to them but no action had been taken. AmeriHome hasn't replied to the existing problem. It has been a month and I would like to see some action taken. We have been going back and forth with this situation trying to get a hold of AmeriHome. Please I need someone to take care of my situation as soon as possible because this is going to cause a revoke on our home owner 's policy. Thank you.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and was shocked that there are inaccurate bankruptcies on my credit report. I don't know why they're appearing on my report so please check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Product: Vehicle loan or lease

TOYOTA FINANCIAL, creditor, auto loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. TOYOTA FINANCIAL has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX  to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00}
Product: Debt collection

I have no knowledge of any debt with XXXX XXXX XXXX. I was a customer in the past and talked to customer service after switching to XXXX on SEVERAL OCCASIONS and was informed that I had a {$0.00} balance. Six months later I received a bill for over {$400.00}. This is the ONLY collections item on my credit report and it is negatively effecting my score. I have requested that it be removed and it has been removed from two bureaus, but still shows up on XXXX. I have been called multiple times and threatened to be sued for a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 Equifax has had a split file for me and I can only return results that show no credit indicator on file and length of credit history 0 months with zero revolving credit and zero accounts zero increase. It's impossible to work with your customer service because I have tried multiple times, open multiple cases which I have the confirmation numbers for, paid for their premium service twice at the reps suggestions, and none of it has fixed the fact that when creditors pull my social security number and score they show no credit file. XXXX  and XXXX  are fine but Equifax refuses to actually look into the issue and I've escalated cases multiple times to no avail over the last year. 

You can see the screenshots how it goes from somewhat poor but improving credit score to completely blank but I can't seem to get anybody to tell me why or how to fix it ... I tried very very hard but they make it somewhat difficult to really contact them