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

Experian credit services was notified in writing that I had 2 unauthorized inquries on my credit report. XXXX XXXX Bank unauthorized XX/XX/XXXX and XXXX Bank XX/XX/XXXX. I wrote them 4 to 6 times. They refuse to remove. I called XXXX and XXXX Bank. XXXX sent them a letter to remove and XXXX Bank had no record of any inquiry from me XX/XX/XXXX -Val XXXX 

The letters of dispute sent by regular mail and certified resulted in nothing. I tried to upload and receive an error message, I attemoted to fax to XXXX no answer. If you call customer service the vm demand ss # and routes you to prerecorded messages. I called last week and 4 times today. No contact means, blocked by computer and it violates my rights. 

My name is XXXX XXXX XXXX XXXX They have it listed 3 ways XXXX XXXX XXXX XXXX I requested they remove the incorrect AKAs and provided copies of my drivers liscense. They do not correct
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights.
Product: Credit card or prepaid card

Comenity bank continues to harass me even though I have an open complaint with your office. They are supposed to resolve the issue but continue to leave me harassing messages to pay them, please help!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX Yes, these are accounts that is on my consumer and credit report. That's violating my FCRA rights. The company says they investigated but the information came back verified but that's false because I didn't give them permission to furnish anything on my consumer or credit report. I have provided numerous of police and fraud and FTC reports, but nothing is working. Please advise them to delete this off my credit report ASAP or I will be taking legal action. Also, the address that's been reported is also fraudulent. I never lived at the addresses. That's been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed a proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.
Product: Credit card or prepaid card

I made a purchase for {$6100.00} on XX/XX/XXXX. On XX/XX/XXXX I moved that purchase to the Citi flex pay plan transferring that balance out of my purchase account and into my Citi flex plan # XXXX. I made my scheduled payment of {$3800.00} effective for XX/XX/XXXX. On XX/XX/XXXX my bank notified me that the payment was to be rejected because they closed my account due to a XXXX fraud attempt. I immediately called Citi and informed them of this. I asked them what to do and they said I needed to make a replacement payment for the same amount which I did. I even have an email record from Citi stating a " replacement payment is required '' to my account. The problem is that Citi then applied this replacement payment against this flex pan # XXXX instead of my outstanding balance. This was noticed by me when Citi revised my XXXX statement and charged me fees for the returned check and interest on the standard purchase and the offer. I called Citi on XX/XX/XXXX to discuss this. I spoke to a representative who saw the issue and put in a request for the back-end team to move the amount back to the flex plan and apply the payment correctly, she said it would take XXXX days. I called early in XXXX and spoke to another representative and then a supervisor. The supervisor informed me that the representative on XX/XX/XXXX did not complete their request to the team, so no work had been completed. He said that he would put in the request and expedite it to make sure it was handled accordingly. This was not done. I called again on XX/XX/XXXX or XXXX and talked to another representative and supervisor. This supervisor assured me that he would correct the matter and to " consider it solved ''. In fact, he did accomplish something, but instead of fixing the matter, the back-end team moved all but {$27.00} of the balance of Plan # XXXX to my purchase accounts in error this caused me to incur in error an additional {$110.00} in interest. I called on XX/XX/XXXX and spoke to another representative. He explained that the back-end team was still working on the case and would in fact clean it all up and everything would be right within 5 days. I waited and then called today XX/XX/XXXX and had my worst call with a supervisor. He choose not to listen and said that everything on the recorded calls was wrong and that Citi has determined that I am at fault here and responsible. I told him there are multiple recorded calls with Citi employees advising me on what to do and stating they will correct Citi 's error, he refused to acknowledge the fact and said he would do nothing. I immediately told him I would be disputing the amount and needed the address to write the dispute to as well as informed him that an FTC complaint would be filed for failing to adhere to the laws and guidelines. He did not care and I closed my account with him and he was finished with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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

The payment information that XXXX XXXX has listed on my credit report is not accurate. I have been reported delinquent by XXXX XXXX from XXXX XXXX  XXXX through XXXX XXXX XXXXXXXX while going through a loan modification. I am reported as being 120 days delinquent on my mortgage payment. 
In XX/XX/XXXX XXXX referred me to XXXX XXXX XXXX for mortgage help as I was struggling due to lost wages, rising costs, health issues, and my daughter 's mental health costs. XXXX recommended I request a Loan Modification through the CARES ACT in XXXX XXXX XXXX. XXXX XXXX walked me through the process of requesting this modification. XXXX called XXXX XXXX with me on the line to help clarify why I would qualify for this modification under the CARES Act. I received the paperwork for the modification at the beginning of XX/XX/XXXX. The paperwork clearly stated to make 4 payments of XXXX over the next four months. I contacted XXXX XXXX and XXXX several times to clarify and make sure I was doing the right thing and would not mess up my credit. I was instructed to follow exactly what the loan modification letter stated to the letter. I made my 4 payments of XXXX on these dates : XX/XX/XXXX, XXXX, and XX/XX/XXXX. ( I received final approval paperwork in XXXX which I signed/got notarized and returned to XXXX XXXX XXXX. ) While I waited for the finalization of my modification I made XXXX, {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX. By XXXX the modification paperwork was finally approved ( NOTE : XXXX XXXX re-sent the modification paperwork to me in XXXX. They said I didn't need to have the document notarized. I called XXXX XXXX from the notary and a customer service rep spoke with the notary and told them where to notarize the document. XXXX XXXX stated that by having the document notarized I had defiled the paperwork and it was no longer valid. I had to re-submit all paperwork again. ) XXXX XXXX had been reporting me as delinquent on my account during this entire time this delay only added to their delinquent reporting. I made a payment of $ XXXX on XX/XX/XXXX. 
I was told this would not impact my credit. It was my understanding that I qualified for a loan modification under the XXXX XXXX. That is what XXXX and I had discussed when requesting the modification with XXXX XXXX. I made all of my payments on time if not a day or two early. I have all the banking statements to prove this. I've sent them to XXXX XXXX and several credit reporting agencies. XXXX XXXX has further dinged my credit report adding additional months late?!?! 
I am asking that my credit report be updated to reflect my payment history including the grace I was promised through the CARES act. I could not work my second job, had a XXXX XXXX, was struggling with the rising costs of everything and my daughter mental health plummeted during Covid and her care was costly.
Product: Credit reporting or other personal consumer reports

TRANS UNION ATTEMPTED TO STATE THAT THE DOCUMENTS I SENT TO THEM DID NOT COME FROM ME BUT CAME FROM A THIRD PARTY. HOWEVER THAT ASSUMPTION WAS WRONG AND INCORRECT. ALL DOCUMENTS SENT VIA US MAIL AND ONLINE COMPLIANT FROM CFPB WAS DID BY ME.
Product: Vehicle loan or lease

On XX/XX/year> I received a spam call from Capital One Auto Financing ( XXXX ). I had just gotten a new phone and phone number so I was frustrated and immediately registered my phone in the " do not call '' registry. On XX/XX/XXXX I received another call from the same number who left a voicemail saying that I needed to call back regarding an " urgent matter ''. I have never associated with this company with this phone number nor given them permission to contact me.
Product: Credit card

I 'd like to raise a concern over the interest being charged on my credit card, BP Visa, a private label card owned by Synchrony Bank. I 've had this card for over 20 years. I have not used the card due to a 13 % variable rate for the past couple of years. However, on a recent statement, I noted the card now has a 27.24 % variable interest rate. I called the company to ask why and for a reduction and I was told the rate is non-negotiable and set at that amount for all BP Visa cardholders. The cardholders credit and history are not factors considered. I will be cancelling the card ( I do n't have a balance ) but I 'd like suggest that this interest rate and the policy border on deceptive practices by Synchrony for those that may have had the card for some time and not noticed the increases over the past few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Identity theft paperwork to remove accounts resulting in identity theft. 
The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. 

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

In XXXX i dispute a collection account with experian that was on my credit report i told them the account was not mine yesterday XX/XX/XXXX i found out they had someone elses credit report mix with mine they could clearly see two different names and two different ss numbers but they kept it on my report i was denied a loan a i am completely devastated by this they said they would fix it but my score still remains 90 points lower then the other to reporting companies they said that was what my score would be this is not fair i have worked hard at my credit they should not be able to do this they refuse to take off hard inquiries that i did not give permission to run either please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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

I recently relied my credit report and found their has been names that are inaccurate reporting that's not me along with multiple address 's .I 've filed a FTC report as well as sent in documentation asking them to investigate the inaccurate that's reporting to my credit report and remove it .I 've not yet heard anything I've sent in more than enough documentation to support my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

some of my accounts are to old and some are not in there system and some inquiries i did give company 's permission to run my credit on { 1 } XXXX XXXX XXXX XXXX # XXXX XXXX { 2 } INQUIRIES XXXX XXXX XXXXXXXX XXXX { 3 } XXXX XXXX, XXXX { 4 ] XXXX XXXX XXXX XXXX XXXX XXXX 1 } XXXX  XXXX account XXXX closed XXXX { 2 } XXXX XXXX XXXX old balance paid off { 3 } inquiries XXXX XXXXXXXX XXXX XXXX XXXX { 1 } XXXX  XXXX XXXX to old { 2 } wells fargo acc XXXX to old paid off { XXXX } XXXX XXXX XXXX paid off { XXXX } XXXX XXXX inquiries needs to come off
Product: Mortgage

I fiked a complaint against the monster servicer I forgot to include a XXXX date My husband have XXXX on XX/XX/2018 The same day monster SLS selling my home Do u also know SLS is under law suites for fruad and not complying by law and taking peoples home without doing anything just like their taking my home
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 




Tracking everything CC : XXXX, XXXX, CFPB
Product: Mortgage

I have an FHA loan with Pacific Union Financial. Before I closed on the loan I attended mandatory HUD counseling at which they told me that after my taxes are paid then I should demand a refund of the tax overpayment. I did that in XXXX and was given a refund of the overpayment in taxes on XXXX/17. Recently my taxes were again paid and I have an overage of greater than {$5000.00}. The bank is refusing to give that money back to me as per HUD guidelines and say they want to hold onto the funds until the end of the year for no reason than because it is a new loan ( which it is not ). I am requesting assistance in getting my money back from this bank. I am concerned that the funds are being misused and that is the reason why they are refusing to give me back the excess taxes I paid.
Product: Checking or savings account

I own a Charles Schwab Brokerage and Checking account. I could not log into my Schwab account as of XX/XX/year>. I got in contact with a representative and they said they could not disclose any information, but my account is in the midst of being closed or might be under review. The representative told me, " we are exiting you and holding your funds. '' I do not know any reason why my account is under review, why Schwab is closing both my brokerage and checking accounts, and why they are holding my funds because they said they could not disclose any information. The representative I talked to on the phone was extremely rude and ended up cutting the line on me, which placed me in detriment amount of stress as I have to call back as they have full control of my funds and refuse to tell me a reason, or why they are holding my funds, which they do not have the right to do so in this circumstance.
Product: Credit card or prepaid card

I have a Target REDCard with a small balance. I tried to set up automatic payments in XXXX, like I do for all of my bills. I thought I had done so. I never received a notice or bill until XX/XX/XXXX when target advised me I was very late on my payment and late fees were due. 

I have tried unsuccessfully to make an automatic payment of the balance due. Target simply responds to me that there is nothing it can do, and that I must pay the substantial late charges I have returned all of the items purchased from Target. I have sought technical assistance and still can not set up automatic payments online. The website is not easy to use in this regard. It will display all of the checking account information I insert to authorize automatic payments, but it is difficult or impossible from that point to do anything else. Apparently, even though i did all of that, no payment from my account was actually made. I have contacted target multiple times by phone, but no one to whom I have spoken either can or will do anything at all to assist me. 

This is simply unfair and must be illegal conduct.
Product: Debt collection

I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Division of Child Support  Amount {$990.00} XX/XX/XXXX XXXX Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.
Product: Vehicle loan or lease

Despite repeated requests, I have not received the title to the vehicle that I purchased off lease from Hyundai. I purchased the vehicle and made payment in full, from the expiration of my lease, in XX/XX/2021. I contacted them repeatedly via email to get the title released to me. They have failed to issue the title at required by the sale agreement and under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting at Experian, XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

According to the 15 USC 1681 section 602 ( a ) state I have the right to privacy.

According to 15 USC 1681 ( b ) ( 2 ) I didn't give any of these accounts written permission to furnish them on my credit report.

I have document attach with the list of accounts