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

XXXXXXXX XXXX XXXX  has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXX XXXX  reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXXXXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXXXXXX XXXX  website. XXXX XXXX and the three Credit Bureaus XXXX, XXXX and TransUnion has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to update my current address with Equifax. After a 20 minute discussion with a representative that does not reside in the US they still have my address wrong. The reason they gave me was because my credit is frozen. However, they asked me very detailed questions to verify my ID, but would not update my address ( Which I 've been at for 2 years now ). They wanted me to fax my SS #, Drivers license, who uses a fax machine??? I just want them to update my address which should be easy after they have verified who I am.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>
Product: Credit card

Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.
Product: Credit reporting

Stop placing fraud alerts on credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # XXXX
Product: Mortgage

My attorney, XXXX XXXX, XXXX. has offered Select Portfolio Servicing ( SPS ) a short payoff amount of {$1.00} XXXX of what is owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, SPS has not presented a payoff letter. The representatives have been hateful to Attorney Gross and her paralegals. SPS representatives are hanging up on her staff rather than giving Attorney Gross an answer on the status of a decision. Secondly, SPS has requested the same paperwork over and over again for a year. Usually after 90 days, SPS will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note that SPS is requesting the same documents I had already sent. Next, representatives have made such comments as " we will wait to you go into foreclosure because SPS will get more money. Next, I received a letter encouraging me to do a " short sale '' -- which means SPS would accept a substantially lower amount from a stranger than my {$1.00} XXXX offer.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX $ and XXXX XXXX $ XXXXThese following accounts 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.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. Equifax, XXXX, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

On XX/XX/year>, a company named Collection Management XXXX opened a collections on me for an unpaid hospital bill for {$900.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I looked into where this company is located and it is in XXXX XXXX, XXXX. Through XXXX I filed a dispute and told them I have never been to this hospital in my life and that I havent been to the hospital in quite some time. My dispute has gone though and I received the result stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. This collection has dropped my credit score significantly. I also looked into this collection management company and found that it is a scam, they double charge people and take unauthorized charges from peoples accounts. I just find this very upsetting that XXXX said this information is accurate because this debt is not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX pulled a hard inquiry, which was not authorized by me nor did I give XXXX XXXX permission to pull my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1681s ( b ) reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX made an inquiry from XXXX  on XX/XX/2019 that I did not authorize. I, and XXXX, have sent many notices to XXXX  XXXX XXXX and they have failed to respond to us both within 180 days.
Product: Debt collection

The date of service was XX/XX/XXXX with XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX XXXX a branch of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I received a collections letter from Bull City Financial in early XXXX of XXXX for the amount of {$120.00}. I paid the full balance on XX/XX/XXXX directly to the provider. I received a receipt from the provider and a receipt mailed from Bull City Financial. I have disputed this item multiple times with XXXX and Bull City continues to furnish incorrect information making it appear as if this item remains unpaid. The item has been deleted from XXXX, and XXXX, however XXXX continues to report this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am convinced that credit bureaus do not really investigate disputes. They just send generic responses. Experian will not handle my dispute correctly. I keep sending them an itemized bill from XXXX XXXX XXXX that clearly shows they have not correctly reported the correct date of when the account went past due. They are re-aging debts illegally to leave accounts reporting longer than 7 years on the credit report. Please see attached docs.
Product: Credit card or prepaid card

Chase offered forbearance on credit card accounts for the plandemic period from XX/XX/2020 until Biden declared the plandemic is over. 

I was supposed to have my interest rate lowered to 0 % for that time period. Also, they were going to credit back to my account, all late fees, balance transfer fees, miscellaneous charges, and interest charges, from XX/XX/2020 until today. They were supposed to accept lower monthly payments of {$100.00} per month. 

Now, they are threatening to close my credit card, even though I just sent them a payment.
Product: Credit card or prepaid card

I received a credit monitoring alert stating I had an account over the limit. When I looked into it, it was for my XXXX XXXX XXXX. I knew I wasn't over the limit because I hadn't used the card. They lowered my credit limit to below my account balance without notifying me - had they notified me I would have paid the {$21.00} difference so it wouldn't have impacted my credit score. I don't think it's a fair practice for a company to lower your credit limit to below your balance and then report it to the credit agencies as over the limit. I received the notification they lowered my credit limit at least a week after I was notified via my credit motitoring alert. I am working to pay this card off because I don't like their practices. When I chatted with a representative online they said I would get the letter and it would tell me what to do in the letter. I'm not sure why he couldn't help me or get someone who could help me. With this age of online accounts and electronic notifications - which my account has a secure message area, why they couldn't sent that to me electronically, then I could have had the oppotuntity to remedy before they impacted my credit report. The company seems unphased - the XXXX card is through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was purchasing concert tickets for a XXXX XXXX concert today XX/XX/2019 through a XXXX post. Seller and I agreed to use PayPal and XXXX for the transaction. I sent payment through PayPal and she stated she didnt receive it because I sent it as a transaction for a good instead of friend and family. So I asked for a refund and I would resend as friends and family. Seller stated she didnt know how, so I sent payment again to separate email that belonged to her boyfriend and asked her to refund once funds were available in her PayPal account and she agreed. Once the money transaction was complete I checked XXXX for over an hour and not tickets, I tried to reach out and was blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit Bureau disputing late payments they are furnishing that is not accurate. I have disputed this account 3 times and all 3 times they are saying it was verified as accurate which they did not send me documentation of how they verified this account was late since the company confirmed i have never paid this account late. Which is direct violation of my consumer rights under the FCRA 15 U.S. Code 1681 ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Which was never provided to me. Also The dates they are stating i was late falls under SEC. 4021. CREDIT PROTECTION DURING COVID19.

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC.

( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) COVERED PERIOD.The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on March 13, 2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. They are negligent and this is causing harm and i will be seeking damages since there negligence is costing me and reputation by them choosing to report inaccurate information.
Product: Credit reporting or other personal consumer reports

I have reported the inaccuracy of this account to XXXX, XXXX and Equifax more than three ( 3 ) times. Yet equifax, XXXX and XXXX  continue to report the inaccuracy of this account by negligently and recklessly including the correct amount of the balance to include the cents in the Metro2 system and XXXX  systems. Specifically, equifax, XXXX, and XXXX have violates my rights under 15 USC 1666 and 15 USC 1681, and FCRA, FDCPA and UDAAP. Attached are the statements for XXXX XXXX  XXXX which includes the cents yet it is missing from my credit report. Each attached statement reflects a " new balance '' that includes BOTH the dollars and cents amount due. That information must be reflected accurately on both my credit report and in the credit file.
Product: Debt collection

I have been receiving credit card past due statements from Bank of America every month since XX/XX/2020 regarding three different credit cards I don't own. The statements are under my name and sent to my address. However, to my knowledge, these are not my credit cards, and they are not showing on my credit reports from all three credit bureaus. I tried to call Bank of America customer service every time I receive a statement. Their phone representatives were able to verify these statements were not for me, but they had no idea why I am getting these letters. I even went to their financial center once but I was informed they could not do anything about it because credit card is a different department. I file a complaint and a fraud claim. I received a letter regarding the complaint but no concrete solutions are provided. The fraud claim was declined because they believe the statements were sent to the right person even though the representative told me on the phone they are not for me. I wrote five letters to the address listed on their website but the issue is not resolved. I continue to receive letters from them for the credit cards I don't have.
Product: Debt collection

PORTFOLIO has been reporting a collection on my account in the amount of {$500.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXXXXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX B XXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Checking or savings account

I opened a reward checking account with Axos Bank on XX/XX/2022 and included the promotional code XXXX in the application for their promotion of {$300.00} Bonus. I deposited total {$7300.00} between XX/XX/XXXX to XX/XX/2022 into the account following their terms of " You must have these deposit amounts within a single calendar month during the first three ( 3 ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank brand account ) to receive bonus credit. ". I believe I have met all the requirements stated in the the terms but I have not still received the {$300.00} bonus as they promised.
Product: Debt collection

I am a victim of identity fraud. Someone have used my personal information to open several accounts including this particular account. I reside in New Jersey and someone attempted to lease an apartment with my information in Texas which left a debt of {$120.00} resulting it to place on my credit report. This has cause major problems for me. Ive received collection letters but they were not addressed to the right address instead its an address to houses away which should become obvious that this is not my account. Ive also disputed this matter several times leading to no results besides still asking me to pay this debt.