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

I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over 7 years and 7 months and Equifax, XXXX and XXXX are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over 7 years old.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XXXX/XXXX/2025 XXXX  - XXXX/XXXX/2025 XXXX  - XXXX/XXXX/2025
Product: Credit reporting or other personal consumer reports

XXXX XXXX OF 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
Product: Credit card

I am disputing charges made to my two Discover credit card accounts for transactions with XXXX due to misrepresentation and deceptive practices. Discover denied my disputes, citing that XXXX provided the service/platform as promised. Additionally, Discover stated that the merchants refund policy prevents them from overriding the charges.

However, my disputes are based on misrepresentation and concerns about fairness in the services provided. XXXX failed to provide evidence of fair gameplay or complete financial documentation, including deposits versus withdrawals, which are crucial for evaluating the legitimacy of their services.

Discovers reliance on the merchants refund policy does not address my concerns about deceptive practices, which go beyond the scope of refund policies and fall under consumer protection laws. I believe Discover should have conducted an independent investigation into these claims rather than deferring to the merchant.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

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

On MXX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On MXX/XX/2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I have been attempting to cash out a CD. Apparently the only way this can happen is by secure messaging on their website which is only answered by humans in XXXX. First they said to transfer the funds to an external account which I could not do. Then it was, no you can't do that but you can wire the funds to an external account which I could not do either. Now it's we can write a check but don't know when we will do this. I have talked to two representatives on the phone which say they have no idea how to handle CD 's and won't forward me to anyone who has any say in this problem.
Product: Checking or savings account

I opened a new Capital One 360 Money Market account that included a {$500.00} bonus after depositing {$50000.00} by XX/XX/2018. A total of {$55000.00} was deposited by that date. In between signing up and receiving the bonus, the company attempted to change the terms of the offer to mean a {$50000.00} " balance '' instead of " deposits ''. On XX/XX/18, an online chat was initiated with XXXX that informed me an exception has been granted for my account and to return on XX/XX/18 for the {$500.00} bonus to be manually posted. On XX/XX/18, the company is no longer willing to manually post the {$500.00} bonus despite the initial offer terms being met. A copy of the offer and both transcripts have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my Early Warning Services , LLC. I've done nothing wrong and XXXX XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX XXXX XXXX 's stance is solely based on the fraud/abuse comments within their EWS listing, then the entire account listing must be removed from Early Warning Services , LLC
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00} Charged off New Added : 4XXXX 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

On or about beginning of XXXX.- XXXX i had apply for a credit card ( XXXX XXXX XXXX ). it was turn down because of the credit score that Equfax had sent them ( XXXX ). i had called Equfax about it and they said they did not tell XXXX  XXXX that, dated XX/XX/2020 from source : equfax consumer relations. I have an Equfax credit score of XXXX on line from Equfax. i had filed a dispute with equfax on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to XXXX  XXXX with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX again by Equfax info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

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

XXXX allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, XXXX Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

XXXX as a company should not be allowed to exist. It should not be allow to simply change its name. XXXX board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, XXXX XXXX Experian and similar companies must have comprehensive review and oversight.
Product: Checking or savings account

I disputed transactions with Ally. They failed to respond in a timely manner and then called me on the phone to dispute the very same transactions. Now, XXXX XXXX, I get several letters in the mail asking for the same information again. Better yet, they tell me that my disputes are not covered under the regulatory dispute process because I didn't attempt to contact the merchant. Even though I did, and I told them this on the letter and on the phone several times. They refuse to give me credit, and they won't investigate unless I send them their letters back signed saying that their findings are incorrect. They are incorrect, and I can't possibly get them back within 5 calendar days because I just got the letters two weeks later. It has now been a full month since my original dispute. I am attempting to resolve this by sending them the letters, but this happened before and nobody ever helped with my dispute. I do not believe that Ally is following Regulation E guidelines and need to keep this as a record in case they don't fairly handle my dispute.
Product: Credit reporting or other personal consumer reports

I have Opt-Out from the financial institution XXXX XXXXXXXX XXXX to not share my non public personal information. See attached opt out letter dated XX/XX/year> along with previous CFPB complaint # XXXX against that institution.
Product: Credit card or prepaid card

An unauthorized charge was posted to my account late XX/XX/2022 by XXXX XXXX XXXX. The hotel did not notify me of the charge ahead of time and when I called the hotel to contest it they assured me the charge would not post. I immediately contacted Bank of America ( BoA ) by messaging via their app to inform them. I contacted them every month between XXXX explaining the concern and received no communication. On XX/XX/XXXX, XXXX XXXX sent me an alert that my BoA credit card was closed. I contacted BoA shocked that after 15 years of on time payments and multiple communications that they would close the account without resolving the dispute. My XXXXredit score is now significantly impacted by the inability to act and resolve this fraudulent charge. Im including attachments to show proof of constant contact with BoA, proof that I paid the full booking and owe no additional taxes/fees, proof that food was paid for my husbands card.
Product: Debt collection

Conn 's stated that I owed a debt for {$1600.00}. They transferred the account to a third party name XXXX. I made a settlement offer to XXXX for {$480.00} to settle the account in full and now Conn 's won't settle the account to XXXX balance on my credit. The collection place XXXX stated they couldn't put a XXXX  balance since they wasn't the ones who report to the credit bureau. I tried calling Conn 's over 10 times to get the matter resolved and still no answer. I fax over the letter to Conn 's letting them know I settle the account on XX/XX/2018 and they still won't report to the credit bureau it was settle. I talk to a supervisor name XXXX in recovery and I keep getting the run around. I tried telling them Im in the process of buying a mortgage and I need my account to be settle to a XXXX  balance, along with a letter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the CFPB 's assistance in addressing an issue with Experian regarding incorrect reporting of late payments on my account for XXXX XXXX XXXX.

The account in question has been inaccurately reported as having late payments for XX/XX/XXXX and XX/XX/XXXX. I have made several online disputes with Experian, providing evidence to demonstrate that this information is incorrect. Despite my efforts, Experian insists that the information is accurate and has refused to remove the erroneous late payments from my credit report. 

In my efforts to resolve this issue : Proof Requested : I have repeatedly asked Experian to provide proof that I was late on my account. No such proof has been provided.

Credit Card Company Statement : I contacted XXXX XXXX XXXX directly and spent over an hour on the phone with an agent. The agent reviewed my account thoroughly and confirmed that I was never late on my payments and that they have not reported any late payments to Experian. 

Evidence Submitted : During my online disputes with Experian, I submitted evidence supporting my claim, including account statements and correspondence with the credit card company. 

Despite these steps, Experian has failed to address this error and continues to report inaccurate information on my credit report. This inaccurate reporting is negatively impacting my credit score and causing unnecessary stress.

Requested Resolution : I kindly request the CFPB to : Investigate Experians handling of this dispute and require them to comply with their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit reports. 
Remove the inaccurate late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Provide a detailed explanation of the investigation process and the steps taken to ensure compliance with the FCRA. 
Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found 2 Hard Enquires in my credit report Esperian made by a company named XXXX onXX/XX/XXXXlocated at XXXX XXXX XXXX XXXX XXXX Az  XXXX phone XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXXlocated at XXXX XXXX XXXX XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.
Product: Credit reporting

They have me in chapter XXXX for 2015 and I haven, t filed for any chapter XXXX also they have it under a different name and not mine and I need it removed please ASAP
Product: Debt collection

I was contacted by XXXX after already having disputed the original debt with them well over a year ago. The debt claims that I am a co-endorser for another person for guarantee of their account and responsible for their unpaid amount of {$250.00}. The problem is that the contract provided to me showing my alleged signature only shows a digital signature. I contend that I did not sign as co-endorser of the agreement, it was executed by others outside of my knowledge, and is a fraudulent representation of a legal agreement. Last correspondence received from XXXX was in XX/XX/XXXX to which i responded to them and subsequently filed report XXXX with the Federal Trade Commission claiming this was a fraudulent representation.I have now received a collection notice on XX/XX/XXXX from Apelles collection agency ( www.apellesnow.com ) advising that I can now settle this debt for a lesser amount of {$120.00}. I did not previously owe anything to XXXX still do not owe anything for this mis-represented account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct erroneous Data ( Balance, Current Status ) Regarding XXXX XXXX   XXXX. They have been sent copies of a Mortgage Statement and a Bank Statement showing The Balance was wrong, the correct payment amount and a statement on it showing that all payments RECEIVED after the XXXX of the month would be considered late. 
The bank statement shows the date of the check being processed on the XXXX of the month by the Bank. Common sense tell us that for it to be processed by the bank on the XXXX of the month, it had to be received by XXXX  on or before the XXXX of the month. 
Also in the cover letter I stated that I was in contact with a REPRESENTATIVE from XXXX that advise that they were aware of problems with reporting DATA to the Credit Agencies and told to do the above per their instructions and they DO NOT expect any corrections soon because of another party involved and to give the agencies their phone number which I did. 
Equifax has NOT supplied me per date with how they investigate per their own statement.
Product: Vehicle loan or lease

On XX/XX/2023 I received from my credit union Navy Federal Credit Union request. for a piece of information on the loan title for account # XXXX. We have complied with all the document navy federal requested. NFCU is requesting that the title be sent to them from the company XXXX XXXX XXXX XXXX XXXX. 

We call XXXX XXXX also Texas human and health services and I was told that all information needs to be addressed with NFCU and XXXX XXXX. XXXX XXXX sent an email stating the title was sent to NFCU. 

Letter is attached
Product: Credit reporting or other personal consumer reports

Someone has been using my information since 2014 and I dont know what to do because I cant open ANYTHING and its truly hindering me advancing in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union made a giant error and wiped away inquires on thousands of peoples credit file, but to make things worse they went back and tried to remember which files had been affected and which ones were not affected. By law, and pursuant to the debt and fair credit act, customer should have been notified, before trying to place these erroneous inquires back on customers credit file, but we were never contacted. So once I found out that I was indeed a victim I contacted Trans union and notified them that I was one of the victims of their inquiry mishap and that I wanted those inquiries that had been wrongly placed * back* on my credit file removed, I was told that I was not one of the victims and that they could not remove them. This is very wrong in every since of the word. I was indeed a victim, and I want these inquiries permanently removed from my credit file..
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XXXX XXXX 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 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
Product: Debt collection

In violation of its XX/XX/XXXX Consent Decree with the FTC, Allied Interstate contacted me at XXXX XXXX ( EST ) on XXXX. XXXX, XXXX. Identified as debt collector from Allied Interstate. Proceeded to determine that I had forgotten about some of the student loans I had taken out. Caller then went on to state that the Dept of Ed had identified my employer and they could/would garnish wages if I do not resolve the default. 

However I have been unemployed and on social security XXXX since XX/XX/XXXX and therefor the caller was clearly making a false statement in the hope of spurring my compliance with his wishes. I informed that he was not dealing with me honestly ( " XXXX '' ) and told him I would not deal with someone who can not deal with me honestly.
Product: Debt collection

I have sent 2 certified letters requesting the validity of this debt they have yet to reply or give me my request for all accounts listed below. The dates the letters were sent XX/XX/XXXX & XX/XX/XXXX. They were both signed and returned stating someone signed for them at the company. I have left 3 messages for a supervisor no one has called me back. I have disputed this VIA XXXX they have not sent back the correct information. ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00}