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

I have now realized that the same item was REINSERTED onto my credit report. 

XXXX XXXX Account # XXXX In accordance with the requirements of the FCRA section 611 ( 15 U.S.C.S 1681i ) ( 5 ) ( B ) ( iii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material ( ii ) notice to consumer. If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 days after the reinsertion. I have received no such notification, this is a serious violation of the FCRA. I demand you DELETE this account from my credit report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

There seems to be incorrect information related to an account on my credit report that doesnt belong to me or is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

This is a formal request for the removal of the late dates associated with the disputed items. Despite my efforts to have this inaccurate and incomplete reporting verified by the data furnisher, no resolution has been reached. I respectfully urge XXXX to comply with the legal mandate outlined in the FCRA and update the account listings in my consumer file. 

After receiving a notice of dispute from me, XXXX informed me that the account had been verified. However, as I knew the information could not be verified, I proceeded to dispute it directly with the data furnisher, as permitted by the FCRA. Despite multiple dispute attempts with the furnisher, no proof or response has been provided. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Bank account or service

Bbva compass has now charged me twice in the amount of XXXX to remove XXXX dollars for a California levy order. XXXX dollars have moved from my account to the levy order, but bbva happily charged me XXXX for transferring XXXX dollars. After there was a negative balance they charged me XXXX dollars for clear benefits which will cause XXXX dollars in overdraft fees.
Product: Debt collection

Ive reviewed my latest credit report and discovered multiple accounts that seem to have been added without my authorization and are incorrect. I request that these fraudulent accounts be blocked and removed promptly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as XXXX, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of the disputed entries, which perpetuates the inaccurate information on my report. 
XXXX. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. has not complied with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has exacerbated the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires that debt collectors and information providers must report accurate and verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.
Product: Credit reporting or other personal consumer reports

This below is on my Credit report and I have never had an account with XXXX. I called to report to XXXX as fraud and they want a police report? I googled and started reading about reading about SEQUIUM collection adgency who now if looking for me to pay, and others have had false reports from XXXX placed on their credit report as well. This has effected my credit report. 

Overview You have 100 % left to pay on this collection. 

Balance {$4100.00} Highest Balance {$4100.00} Opened XXXX. XXXX, XXXX  ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT XXXX Creditor Information SEQUIUM ASSET SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I've tried to use Equifax web service to lift a security freeze, it says that I need to call XXXX. I have valid credentials for " MyEquifax '', but as soon as I click " Manage a Freeze '', it tells me I need to call. This same thing has been happening for three years. When it first happened, I pursued getting my web account fixed. I was assured my web account would work next time I tried, but it didn't work. I gave up trying Equifax web site and resigned myself to wasting time on the phone with them. 

Today ( XX/XX/2021 ) I called XXXX 3 times spending over 60 minutes on the phone. The first call, after spending 15 or 20 minutes, I was told they system was down and they could not lift security freezes and to call back in a couple of hours. In a few hours, I wasted another 15 or 20 minutes only to find out the system was still down and to call back in a couple of hours. In another few hours, I called a third time and wasted 30 minutes. This call included answering questions from my credit report, which I had open on the desk in front of me. I answered all the questions, reading things directly off the credit report that Equifax had printed out a few months earlier. The result : I was told they could not process the temporary lift of the security freeze, and I would need to fax a letter or use snail mail.
Product: Credit reporting or other personal consumer reports

I requested that XXXX, TransUnion, and XXXX reinvestigate the following accounts : Account name # XXXX, Account name # XXXX, Account name # XXXX, and Account name # XXXX. However, they have responded that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the relevant sections of the Fair Credit Reporting Act ( FCRA ) that you mentioned. These sections state that you have the right to privacy, that consumer reporting agencies can not furnish a report without your written instructions, and that consumer reporting agencies can not include certain types of information in a report, such as criminal convictions that are more than seven years old. 

I hope this is helpful. Please let me know if you have any other questions. 

Here is another way to say it : I have disputed the accuracy of the information on my credit report with XXXX, TransUnion, and XXXX. The accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information that is incorrect includes the open date, date of last activity, and other information. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to investigate disputes and modify or delete inaccurate information. I have provided the credit reporting agencies with all of the documentation that supports my dispute. 

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.

I am requesting that the credit reporting agencies reinvestigate my dispute and modify or delete the inaccurate information. I am also requesting that they send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DEFAMATION OF CHARACTER to whom it may concern, This is about the consumer report dated XX/XX/2022 received from EQUIFAX via email. While reviewing my report I came to know about the inaccuracy and even fraudulent information still being reported on it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company FALSELY REPORTED information that resulted in defamation of my character. even further, you created deceptive forms that made creditors and employers believe that i was in debt though you could not prove its validity. If the debts were valid you created a false impression that i could not pay the alleged debt. As a result i was discriminated against and denied my right to extend credit. I was denied a XXXX XXXX credit card, and personal loans, I have suffered emotional as well as financial hardship. Therefore, your company is liable under 15 USC 1681o. I have evidence of over 10 phone calls made to EQUIFAX to remedy this matter. I have previous CFPB complaints that EQUIFAX has failed to accurately investigate. I have contacted your company through multiple mediums to remedy this matter. EQUIFAX has willfully and knowingly refused my right to an accurate credit report pursuant to the FAIR CREDIT REPORTING ACT. As a result of a previous breach of my personal sensitive credit information by EQUIFAX i am eligible for a settlement check from the class action suit. Claim Number : XXXX which further proves my sensitive credit information was not secure. However, Still to this date, EQUIFAX continues to be unfair and impartial to my right to privacy and refuses to remove the inaccurate and fraudulent information from my report. my EQUIFAX score is the lowest amongst all my other credit scores and continues to tarnish my character and reputation. I hereby grant your company the opportunity to remedy this matter by doing the following things ; DELETE the account in collection status XXXX XXXX XXXX XXXX XXXX from all consumer reports. Pay {$1000.00} by check addressed to XXXX XXXX for the willful and repetitive knowing violation of my rights. If your company refuses to remedy this matter, I will pursue individual action under the Fair Credit Reporting Act seeking actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages.
Product: Checking or savings account

On or about XX/XX/2022 I deposited a {$10000.00} check from a friend into one of my Ally Bank accounts. Even though my friend contacted XXXX ahead of time, the check was erroneously flagged 'return to maker ' by XXXX XXXX Ally froze all my accounts, including one owned by my mother, because of the status of the check. A week later I cleared up the confusion at XXXX and they changed the status of the check, however Ally still has my accounts frozen and I have no recourse to get access to my money. I've contacted Ally several times, including letting them know that XXXX changed the status of the check, have left messages for a return call from a supervisor, and have been told that an investigator will get back to me, but still have not gotten a call from anyone at Ally.
Product: Credit reporting or other personal consumer reports

After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute synchrony bank accounts on my credit report. Synchrony Bank continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, XXXX XXXX removed one of the accounts but not the others. XXXX and XXXX claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my account from penfed, there was a mistake made where I was trying to look at offers and it submitted my application instead, I spoke with penfed they ask me for my credit report so they can fix it which I gave them but it is still on my report, can you please help me take this off my report, thank you
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies. 

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites. 

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you
Product: Credit card

I have been experiencing issues with my chase freedom credit card # XXXX autopay. For the month of XXXX there was no debit from my account then for XXXX the entire balance was debited from my account instead of the minimum payment. This made my bank account negative, I immediately went to my bank, the error was notated to my account, and I was encouraged to contact Chase which I did. Chase customer service arranged a XXXX way call with my bank, at which time they initiated a transaction to return all funds to my account with the exception of the minimum payment. I had no further contact from Chase, while completing a mortgage application on XXXX/XXXX/2016 I became aware my Chase account is reporting late and over the limit greater than {$1000.00}. I am devastated and this alone prevented me from making an offer. I since made a payment bringing the card under the limit but attempts to resolve this with Chase have been futile, meanwhile my credit score has dropped XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.
Product: Debt collection

My husband received information that was very vague on this so called account. Voice mail that was left had portions of the call that were robotic. I did not call the phone number back in fear it was a scammer. I dont know how my husbands phone number was obtained. The number he has is a work phone number that he has to answer for all calls that he received were work related or Non-Essential. He is then responsible for repayment on his end if Non-Essential. 
This I feel is invasion on my privacy. They got my husbands work phone number and left a message about me without my permission. 
Any help would be much appreciated! 

Thank You!
Product: Checking or savings account

Hello, I truly hope your coolant can help me with this as Wells Fargo has made every excuse as to why this happened. On XX/XX/XXXX, I had charged my card 3 times. First starting with {$300.00} to XXXX XXXX, {$24.00} to a restaraunt here in my ho me town, and {$15.00} to a bar as a friend of mine from of tow n was home. Take in mind all prior charges had for through on the XXXX and I had a little over {$350.00} in my account so after the 3 charges, myy acvount refldcted i had a little over 10. The 3 charges had shown as pending on my end, but the funds went out each time I processed them so i was not worried. I made sure all prior charges were already processed before that day as I had moved to a new banking location as I've had numerous problems with Wells Fargo and wanted to keep at least 10 in the account so Wells Fargo wouldn't close it until I had all my auto payments moved. On Monday the XXXX, I get an alert my account is negative. I checked my account and has no new charges, and all my prior charges had already removed the funds. Wells Fargo tried claiming that I had charges from days before the XXXX that didn't go through. I beg tok differ and fought them on this as each of the charges they claimed against me had already been processed, but miraculously got moved to the transaction date XX/XX/XXXX when these had taken place days priorf and the fuhnds were already removed well before hand which left me at XXXX. I reported them to the XXXX  and got thee same generic response I got in an email from them. Please help me as I just want to be done with XXXX XXXX. I've lost do much mo mry from them in the past and wish I would of just gave up sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX  alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.
Product: Mortgage

Ocwen Loan Servicing , LLC, and I entered into a modification agreement, on or about XXXX XXXX, 2016. The terms state the the down payment is to be paid on XXXX XXXX, 2016. Each month thereafter, I am to pay the same amount each month by the end of the grace period, which is the XXXX of the month. 

However, today, I received a letter entitled " DELINQUENCY NOTICE '' demanding payment for payments that have been absorbed by the modification, which is not due until XXXX XXXX, 2016. I consider this : 1. ) harassment, 2. breach of contract, and 3. ) against the laws governing mortgagors and loan servicing agencies under the Fair Debt Practices Collections Act, et al.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY
Product: Vehicle loan or lease

I am XXXX XXXX behind on my car note but have been making payments every XXXX in an amount in excess of what my XXXX payments are in an attempt to slowly catch up. I have requested Bridgecrest to no longer harass me all XXXX but they call XXXXXXXX XXXX XXXX XXXX XXXX XXXX filling my voice mail box, and disrupting me while I am at work. They call from different numbers every time as well, so blocking does no good. I am exhausted with them and can not have them disturbing me at work anymore. I would provide specific dates, but it has been happening every day for the pasXXXX XXXX XXXX, every day including weekends. I get calls as early as XXXX XXXX, and as late as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I would like to report credit karma for showing false ads on credit cards I was approved for. This made me apply to credit cards and get declined which affected my credit score. Credit karma has done fraud and because of credit karma false approval postings, my credit score was affected negatively.