23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account # XXXX, is reporting a date of last active on XX/XX/XXXX on XXXX  and on XXXX its reporting the same account # XXXX of a last active date on XX/XX/XXXX, and transuion dont have no repot of it at all please remove and delete from my report XXXX XXXX XXXX  account # XXXX, from all of the credit bureau asap cause its hurting my chance to get a loan thanks
Product: Vehicle loan or lease

I was a victim of XXXX data breach and inaccurate information needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM XXXX XXXX -- -- -UPDATE TO CLAIM XXXX XXXX EXPERIAN HAS TAKEN LONGER THAN 60 DAYS TO PERFORM ACCORDINGLY TO I THE CONSUMER AND TO THE CFPB. EXPERIAN WAS PLACED ON NOTICE THAT UNDER 15 USC 1681i AND CFPG  REGULATION THEY SHALL REMOVE ALL REQUESTED ACCOUNTS FROM MY CONSUMER REPORT FOR FAILURE TO PERFORM IN A TIMELY MANNER. AS OF TODAY EXPERIAN CONTINUES TO FURNISH ACCOUNTS ON MY CONSUMER REPORT THAT WERE REQUESTED TO BE REMOVED AND THAT MUST BE REMOVED UNDER CFPB REGULATIONS AGAINST 15 USC 1681a ( 2 ) ( i ) EXCLUSION. EXPERIANS FAILURE TO PERFORM ACCORDNGLY HAS CAUSED ME TREMENDOUSE MENTAL ANGUISH AND HAS HURT MY REPUTATION CAUSING ME TO MISS CREDIT OPPORTUNITIES LOSING MY FEDERAL RIGHT TO CREDIT ( A DIRECT VIOLATION UNDER 18 USC 242 ) AND CONFIDENCE IN THE BANKNG SYSTEM.
Product: Credit card

U.S. Bank is still sending me notifications, that I do not have access to as they refuse to give me access to their online dashboard. The access they removed when I used it as proof I had not been refunded for items they refused to dispute. I suspect this notification was them altering their records retroactively for an especially egregious dispute/refund ( no one seems certain which it was ), that I have yet to receive. They recently gave me {$800.00} as monetary restitution that I haven't received and is a small tiny amount that they are continuing to steal from me by not issuing refunds that I recover for items they refused to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit card

I was making an online purchase with paypay. I am an experienced online shopper and proficient in computer systems and the internet. I did n't think I could be so easily fooled. I was trying to pay with the credit card I have on file and use for online purchases. Before I knew it I was being given paypal credit. I did not want paypal credit! I do not want any more credit! I do not want anything to affect my credit rating and do not want any searches of my credit history that could affect my rating. I have been diligent in my credit and do not appreciate the deceptive practices from a company that I have trusted before. Please advise how to correct this with paypal credit and my credit rating. I am not sure of exact date. It was last week sometime. I have been trying to figure out what to do and finally came upon this website. Thank you!
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed an account that was not reporting accurately. 
I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have contacted the credit agencies asking them to reinvestigate this account listed below " BULL CITY FINANCIAL SOLUTION " open date XXXX XXXX can not be accurate and is not reporting correctly, date last reported XXXX XXXX, this account is not accurate. 
Code 15 USC 1692 & 15 USC 1692c I'm providing proof in attachment 1. Is my XXXX XXXX screenshot report 2. Is a physical letter mailed to my place of residence around XX/XX/year> XXXX bonus attachment : Experience report screenshot. 


i want this immediately deleted from my credit report due to false information, inaccuracies and using my name and credit without my consent.
Product: Debt collection

I been disputing this debt collection I keep getting I contact the company XXXX XXXX XXXX to let them know I did not open any credit card with them. Unfortunately they werent able to tell me anything from the account due to that they transfer the account to a collection agency so they said to contact the collection agency and they still didnt help me after I told them I never open any account with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have a few hard inquiries on my credit report that I didnt authorize and also didnt give permission for anyone to run my credit report so I would like to have them removed off my credit report please I also filed a report with FTC and would like to Have those inquiries deleted off my credit report please I would like those for inquiry to reflect on my credit report as deleted and removed please The hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you.
Product: Debt collection

I was late on my payments with XXXX XXXX XXXX due to covid and they sent my pay off to a collection agency ( Radius Global solutions ). They call very early or very late at night and insist on giving information about my card. I looked them up and everyone says its a scam company. Im willing to pay off the dept to get it off my credit report but im not getting any help from XXXX XXXX XXXX and I dont know what to do.
Product: Credit reporting or other personal consumer reports

XXXX told me that they had never heard of XXXX XXXX XXXX. That is my credit card company. Consequently, none of the Credit Reporting Agencies is giving me credit for having made those payments, resulting in my Credit Number being so low that I can not rent an apartment. Do you understand?
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can '? be provided l demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by [ Credit Bureau Name ].

Despite my previous correspondence ( XXXX  XXXX dated XX/XX/year>XXXX  and XXXX XXXX dated XX/XX/year>XXXX  ), which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Equifax has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : EQUIFAX failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) :. Creditor Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Debt collection : I have never been sent anything showing why I owe these companies anything? I dont know anything about these collections and never even heard of any of these companies? 
XXXX XXXX, XXXX XXXX XXXX XXXX formerly XXXX. {$260.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX. {$360.00} XX/XX/XXXX, XXXX XXXX {$450.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX. XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00}
Product: Checking or savings account

Beginning XX/XX/XXXX I discovered irregulaties on my account, thinking that it came from using the card at different locations. My decision was to ask for a new debit card to be issued. Before XXXX I called where the card was I was told to wait since it was the holidays. 

Beginning of XX/XX/XXXX I asked what was going on, we checked again the mailing address, mind you I get every check, bill and government letters concerning voting, tax at my address without any issues. I even asked my neighbors if they have problem receiving mail none of them has a problem. Again a new card was send out. 

Coming to today XX/XX/XXXX and still no card, I called and got the same answers. 

I find it absolutely unacceptable that I as private citizen had no access to my account for over 2 months. 

Decided to close the account, was told that my small balance ( I have been using another bank for deposits since I need to pay bills ) which will be send to me within 10 business days starting tomorrow. Let 's see if Truist is able to comply with that. 

I would like you to see what is going on, the latest merge of this bank does not seem to go smoothly and customers are at the negative receiving end of this.
Product: Checking or savings account

First I opened account with XXXX XXXX and they were changed to Provident Bank. I was given a cash back account and after talking to reps on the phone and then going directly to the bank. I was told in order to get the cash back I have to have met the criteria of direct deposit, which I have. I spoke to XXXX at the XXXX NJ office and she said that doesn't make any sense she was going to look into she said that When I use my debit card I have to sign for purchases which I do.I spoke to the manager XXXX XXXX. Who reached out to her contact who said that I have to be enrolled in e'statements.which I have complied and it didn't work after numerous attempts and just here in XXXX I was still enrolled until the manager done it from her desk. Meanwhile XXXX XXXX referred my daughter to open a account with them and we were supposed to get a referral gift back of $ XXXXshe opened 2 accounts and on the site the referral is supposed to be in our accounts within 60 days. My daughter received the cash back rewards and so did my son. I was not treated fairly. For months I emailed Provident Bank about the referral and a man advised me that I will get it XX/XX/XXXX and I never received it.so I went to the bank spoke to XXXX again I showed her my proof of the awards and she called me back the next day and said that my daughter had multiple overdrafts and asked me my daughter 's name and then started discussing her account with me. My daughter went out there and proved that she never overdraft but the bank came up with another excuse. I also took out a heloc home equity line of credit and I used the account to pay my property taxes and my check was sent back to the tax collector saying that this account can't be found. This account has went from 3 % interest to 7.5 within a few months. I desperately need help.yes I have tried to resolve everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased by vehicle in XX/XX/XXXX during the pandemic. I was told I would be able to push my payments back due to the pandemic and it would not go against my credit but that was false! I've made a few payments on time and there was a couple times I paid a XXXX late. The month of XXXX I was late, but on XXXX XXXX, XXXX I made a payment of XXXX. I would pay the past due and the amount due at that time which would be an " on-time '' payment. My last payment was on XX/XX/XXXX in the amount of XXXX and when they reported the bureaus on XX/XX/XXXX it shows I haven't paid, and I'm behind which is false! They have been damaging my credit for a while now. They never report accurately!
Product: Credit card or prepaid card

I have made several attempts to pay my credit card bill in the amount of XXXX. I have been calling for two weeks and they refuse to process my payment. Their reasons are, the payment portal is only for selected people to pay online, the system is upgrading to a security option that will not accept any forms of payment. They could not provide me with a way to pay my credit card bill. I told them i have made a payment to them over the phone on XX/XX/2022, in the amount of {$250.00} that payment was made though my XXXX XXXX Account. Why is it an issue now, nothing has changed.
Product: Bank account or service

A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this
Product: Checking or savings account

I had an no penalty cd with Ally Bank. They sent me an email offer for an interest bonus program. The bonus was 1 % bonus for a deposit up to {$50000.00} of new money. I elected to take the offer, signed up online with the help of one of their reps. and deposited {$50000.00} of new money into a new account. The money needed to remain there for 90 days and then the bank would pay the bonus on XX/XX/XXXX. When the bonus was not paid, icontacted the bank XX/XX/XXXX for an explanation. They agreed to check and let me know. I checked with the bank again on XX/XX/XXXX and was told they were still checking. I checked back on XXXX and spoke a supervisor. She advised I needed an approving email with a code # to get the bonus. This was the first time I heard about this qualification. I checked back to when the account was opened but couldn't find an email. I explained the account was opened with the help of their rep. and had followed all instructions at that time. The rep I worked with did change my email to get into the account but it was changed back within 15- 20 minutes. I sent the bank this information by email on XXXX and was told they would review and let me know. Their confirmation email indicated 7-10 days for a reply. I waited now 47 days and have contacted the bank several times but they will not provide an answer. I'm tried of waiting and allowing the bank to use my money. Today I have authorized the account to be moved to another bank. However, I met all their requirements for the 1 % bonus or {$500.00}, plus interest from XX/XX/XXXX to XX/XX/XXXX. They can sent the money in the form of a check to my address on file. Thanks for your help.
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points with the credit bureaus overnight. When I contacted them to find out why, no one could answer beyond " it's based on an algorithim ''. Absolutely nothing has changed on my credit. NOTHING. I was finally told it may be because I do not utilize my credit cards ( I don't carry a balance ) and I no longer have an auto or mortgage. I am supposed to be in debt to bump up my credit. This is unacceptable. If agencies are going to track my information, and have a say so in my application for credit or employment, then they better be able to tell my why I dropped so much. 
This is with all credit agencies, Transunion, XXXX, etc. Fix this, it is causing problems in my life, when all I do is pay my bills, on time, which shows on the report.
Product: Mortgage

I pay my mortgage every month via monthly bill pay. I do not have access to my mail for months at a time. Ditech reassessed my escrow payment and charged me more then started charging me {$23.00} for the {$31.00} short payment my bank automatically made. This is not a late payment and when I asked for the exorbitant fee to be returned all they can say is we can not do that. They are charging almost 100 % fee on the short payment and that is usury at the very least. I have had many other problems with Ditech mostly because they can never seem to receive a fax. I have been required to send them faxes to resolve issues and they never receive them. They then charge me fees or report me to the credit bureaus ruining my credit. They are bullies and need to be disbanded. I would ask to be moved to another mortgage servicer if that was possible. Please help me stop the dishonest in my opinion criminal practices of this bully of a company. 

XXXX XXXX XXXX.
Product: Debt collection

This collection does not belong to me someone used my name and personal information to receive hospital treatments
Product: Debt collection

I have recently received an alert from XXXX, identity theft protection, informed me that I was late on a payment for a credit card. After calling XXXX, they informed me that the account related to that matter was with City Bank. Quite a surprise to hear since I never opened a credit card or an account with City Bank. 
I was advised by one of City Bank supervisor, after a two hours on the phone, to send a fax to CBR Dispute. 
After a few weeks, I did received a letter from City Bank, asking for a copy of the credit report and my XXXX digit credit card number. AGAIN, I never opened an account or credit card myself with your company, therefore I m not able to send you those numbers since I do not have any card in my possession.
Product: Credit reporting or other personal consumer reports

i am XXXX years old and been paying rent of XXXX for the last 6 years and want to buy a house instead of renting my whole life this unactual reports a hurting my family to live and own a house. according to the 15 U.S.C 1681 the law states there should not be any damages on my report as this is a defilation of character.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if they are still on my report, the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Include dates, amounts, and actions that were taken by you or the company I have called Equifax and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries Equifax refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.