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

On XX/XX/19 I contacted XXXX, XXXX, Transunion and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please HELP!!!
Product: Debt collection

GM Financial Account number XXXX Is not possible for a original creditor to report a balance on a account that have charged off because by definition of GAAP [ General Accepted Accounting Procedure ] This Debt was be writing off to uncollectible and the Company Profit & Lost Statement of the financial reports Also they cant make a past due balance on a charge off a account either
Product: Credit card

I purchased Groceries on a Target Red card in exchange for 5 % off in XXXX 2016 I received no bills from Target or reminders regarding payment-XX/XX/XXXX to XXXX as far as I can tell XXXX XXXX 2016 They started charging me late fees Original purchase was {$50.00} End of XXXX with late fees this was XXXX I got a letter by mail saying I was 56 days late with a Large late fee and Interest on a & lt ; {$50.00} purchase and they would not reverse it and reported it to credit bureau
Product: Debt collection

On XX/XX/XXXX, I checked my credit report to find an account in collections from XXXX XXXX. This account was originated in the XXXX area XXXX I have never lived in either areas. The reporting agency Diversified Adjustment said the account was opened in XXXX and then put into collections in XXXX. I have been XXXX since XX/XX/year>. There is no way I could have opened this account if I was XXXX XXXX. I tried disputing through XXXX but they took less than XXXX hrs to investigate and there was no change.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I deposited XXXX and XXXX into my checking with checks from work to TD Bank. Also deposited XXXX in my savings and have yet to receive a check with my funds or any reason besides that they suspected fraud of why my account was closed. I came into the bank with my id, social, birth certificate, and alternate old ids and they would not issue me a debit card or give me access to my funds and eventually closed my account on XX/XX/23 without giving me my funds. I tried to call TD and walked into the XXXX New York branch with no updates or any idea of how they could or would get me my funds I deposited into their bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 


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

THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or XXXX belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Student loan

The federal government recently announced a student loan relief plan with a term that stated any payment made during the pandemic could be refunded, My servicer ( Great Lakes ) rejected a refund request for loan payments made during the pandemic pause. They cited a 3rd party consolidation as the reason for the rejection. I am a Pell Grant recipient and the department 's recent guidance on refunds does not state a specific payment party as a requirement for refund eligibility nor does it exempt payments due to a refinance. According to XXXX " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' Part of my payments during the pandemic were made by a 3rd party refinance not a consolidation. According to the policy stated, I should be granted a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for XXXX  years and XXXX  months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Product: Checking or savings account

On XX/XX/year> someone charged my bank account in the amount of {$990.00}. They also charged XXXX dollar for a XXXX pay transaction. The XXXX pay transaction is now off of my bank account because I disputed it but for some reason, they did not remove the {$990.00}. It makes no sense why they would remove the one and not the other. They should be able to see that it was not done under my account. I have used the same account for years I have no fraud activity on my bank account in all the years that I have used it they should simply be able to see through XXXX that the money spent was not on my account and they should be in that account and give me my money back. I have made a police report. I have disputed it through the bank. They denied my claim getting a hold of XXXX is almost impossible as the steps they give you just put you through a loop and you get no contact on the form to dispute charges that are not on your account. They should have to fix that legally if you go into their section on that link, it tells you to click here to fill out this form and then just send you right back to the help. 

This is what XXXX says to do : XXXX XXXX can you try to file again using this step. 


https : XXXX XXXX. Under " Please select the issue that is most related to why you're writing in '', please select : I have unrecognized charges NOT on my payment account XXXX. XXXX XXXX XXXX XXXX XXXX Please enter the credit card last XXXX digits, date and amount of those charges. 

XXXX. Please enter the credit card first XXXX digits. 

XXXX. Under problem description : Please be as detailed as possible as to what happened with those charges and state that youd like to request for a refund for those charges. 

You can also learn more on how to Report an unrecognized Meta charge on your bank statement here : https : XXXX However, if you click the link at the bottom, it will send you to a page that tells you to click this form to file the dispute, but then it just sends you right back to that same section and then if I click the first link to dispute the transaction it allows me to submit the form, but it does not link it to my account so I can not get any communication about the dispute I have contacted XXXX. They just tell me to keep waiting, but Im not getting anything. I have disputed it multiple times through them. Their system does not work properly for disputes that are not on your account.
Product: Credit reporting or other personal consumer reports

This is to follow up in regrads of the repeated failure to remove the fraud items such as the inaccurate personal information and charge off accounts with incorrect balances from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a voicemail from someone claiming to be from an attorneys office. Saying I would be served a summons to appear in court over regarding a lawsuit. So when I call back the number they provided XXXX the person was rude and trying to rush me to settle out of court saying it would ruin my credit score. They had personal information such as my name last XXXX of my social and address available. The debt they claimed to be mine was no where to be found on my credit report so it is not a valid debt. I am concerned that this is most definitely a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to Equifax and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit reporting or other personal consumer reports

Back in XXXX  I purchased a vehicle which was over XXXX XXXX ago. This vehicle is still on my credit which I have dispute over three times asking it to be removed off my credit and they have yet to do so. This car is not my responsibility and I want it removed off of my credit ASAP
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues I have been facing in my attempts to remove fraudulent items from my account with 3 Credit Bureaus. 

Over the past several months, I have made multiple attempts to rectify the fraudulent items that have appeared on my account. These items are not authorized by me and are causing significant distress and financial hardship. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the fraudulent items on my accountand promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my disappointment, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I believe it is crucial to address this matter urgently and effectively. I request the following : Immediate action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the fraudulent charges ' removal. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Attorney XXXX served me with paperwork regarding a debt owed. We spoke on the phone and he agreed to make an alternate agreement with me instead of in court and stated he would not pursue the court case. I made an agreement with him to pay {$50.00} per paycheck. I moved recently and changed my phone number and sent him in writing the new information. I was having financial difficulty and asked to skip a few payments temporarily and resume my payments in XX/XX/XXXX. He agreed verbally over the phone. My employer then received a notice for wage garnishment. I contacted the lawyer and besides the original agreement he denied allowing me extra time to pay and denied receiving my new contact information. He also stated that I could be arrested for not showing up for court ( even though the court notice to garnish my wages was only mailed to me and sent to my prior address. ) The wage garnishment he said would be approximately $ XXXX/Pay period. I advised him I can not possible afford $ XXXX/mo and if there 's any other options and agreed to increase to $ XXXX/pay period and he again said there was nothing I could do as I owed the debt and the judgement has already been made. He asked me to send a copy of my monthly budget ( which I faxed right away ) and made comments to me that if my rent and electricity are up to date then I should just " hold off on paying those '' in order for me to pay this debt. I am a single mother, I do not get child support. I 've tried to work with him reasonably and he has been threatening and goes back on agreements previously made. He also mentioned how I did n't go to the original court date even though he told me I did n't have to because I went to his office and met with him directly to come up with an alternate agreement. He has not contacted me back regarding a different agreement since I sent him the budget he requested and I feel he is just stalling until it is too late for me to change anything. I also feel he took advantage of my address change and immediately filed knowing I would n't receive the paperwork and would n't show up for court because I would n't know about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX  XXXX XXXX ( Account Number XXXX ). XXXX has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX  and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.