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

I never applied for a mortgage. An inquiry appeared and dropoed my score significant amount of points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX was updated as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXX Account ID : XXXX Confirmation Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX came to my door and asked for my SS # to pull my credit in 2019. I refused. I found out later, via an alert on my Experian credit report, that they had somehow still pulled it without my permission and without me providing my SS #. 

Experian refuses to remove the hard credit inquiry, which hurts credit scores, from my credit report. Experian is violating federal law. 

Hard inquiries, whether they're requested by a lender or landlord, can only be pulled with your permission. 

XXXX  credit inquiry was a hard inquiry. I did not give them permission. I never even initiated any type of contact with XXXX. Experian needs to remove the credit inquiry from my credit.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This card is showing 2 late payments on my credit reports to the 3 major bureaus. One late payment was in XXXX of XXXX, the other in XXXX. I am a XXXX  veteran with a service connected XXXX XXXX  due to XXXX XXXX XXXX exposure while XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX  I experienced XXXX  symptoms from that injury which prevented me from accessing the payment portal in a timely manner. I called Customer Service and they assured me that this late payment would be rehabilitated on my credit report. In XXXX of XXXX I made an on time payment via the app. The app has been problematic in the past. The app showed that the payment was successful but this was in error because the payment did not go through. I called customer service and they acknowledged the issue and suggested I schedule all future payments as automated withdrawals from my bank account which I agreed to. The CS Rep said they would investigate removing that late payment from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Inaccurate Late Payment Reporting on XXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my XXXX XXXX and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, Experian, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I received a letter from XXXX by XXXX XXXX on XX/XX/2019, the letter stated they was unable to extend credit to me. One of the reason was that I had a number of accounts delinquency. According to the report they received from TransUnion. I wrote TransUnion on XX/XX/XXXX, to question that information, because I had a copy of my credit report, which I receive in XX/XX/2019. I check my report and score each month I have a 100 % monthly payment rate each month. There is nothing delinquent on my report. As of this date TransUnion has not responded to my letter. I called today, after being on hold for 15 to 20 minutes each time, I was cut off one time and then the second time the person said they could not hear me. I was calling from my landline phone. Everyone else I call can hear me. My credit score recently went down because they stated I had too many open accounts. That I dont understand. Im paying each month. I do not have anything on my account that is delinquent. I would like an explanation. Thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXXnd the credit bureaus Equifax for reporting inaccurate, inconsistent, and unverifiable information in my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question has multiple discrepancies across the three major credit bureaus : Inconsistent account details : Equifax XXXX XXXX report the account opened on XX/XX/XXXX, but XXXX reports XX/XX/XXXX ( discrepancy ). 
Equifax reports " 0 months '' as the loan term, while XXXX XXXX XXXX report 72 months ( inconsistent ). 
Incorrect balance reporting after repossession : XXXX XXXX  repossessed my vehicle on XX/XX/XXXX, but has not yet sold it. 
Despite this, credit bureaus continue reporting a balance, violating UCC 9-610 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to update the dispute status : Equifax marks the account as disputed, but XXXX XXXX XXXX fail to mark it as disputed, violating 15 U.S.C. 1681s-2 ( b ). 
Misleading reporting affecting my creditworthiness : XXXX reports " Voluntary Repossession, '' while Equifax lists " 120 Days Late. '' This contradicting information violates FDCPA ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations in credit reporting.

Failure to notify all credit bureaus of corrections : If the account is corrected or removed by one bureau, XXXX is legally required to notify the others under XXXX XXXX. XXXX ( a ) ( XXXX ) ( D ), which they failed to do. 
I have disputed this information with the credit bureaus and XXXX XXXX, yet they failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681XXXX. Their failure to verify, correct, or remove the inaccurate data has resulted in damages to my credit profile, affecting my ability to secure financing.
Product: Credit reporting or other personal consumer reports

THEIR INVESTIGATION DID NOT REMOVE THE ISSUE AND THEY WOULD NOT SHOW OR TELL ME HOW THEY INVESTIGATED MY CLAIM. I HAVE INCLUDED THE LAWS THEY HAVE BROKEN AND BY BEING IN THE STATE OF SC, SC HAS LIMITATION LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE
Product: Credit card or prepaid card

This complaint is in regards to my Walmart credit card account with Synchrony Bank. When I spoke to a customer service agent on XX/XX/2019 in regards to my partial past due account balance explaining to the agent I was not working and unable to make the full payment being that I had a reduced income at the time due to having to take care of my mother. I understand I have an obligation to pay my debt but when a customer such as me who was struggling with circumstances beyond my control, I was not once offered any credit card hardship program/assistance from this bank to whom I have made every attempt to pay on my balance every single month. Neither did this agent explain to me what would happen if I did not make a full payment or how my credit could be impacted if there were no other options. As a customer I dont feel like I was informed enough to possibly get assistance with my account while going through a financial crisis and I feel this is very unfair because financial emergencies, setbacks and major life changes can come at you quickly, making it difficult to meet monthly financial obligations like credit card payments. I am not pleased with services from this bank and how this has now impacted my credit/credit score.
Product: Credit card or prepaid card

CASE NUMBER : XXXX XXXX  Cardmember service representative I received a letter from XXXX and it is questioning whether I want to continue with reversing the fraudulent charges made on my card. My answer is yes. I did not make any of these charges : XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX Auth : XXXX  Payments {$19.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XX/XX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX Pmts XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXXUsps.com Postal Store XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$8.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$29.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$12.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXXl Wa {$7.00} XX/XX/XXXXXXXX XXXX Pmts XXXX Wa {$8.00}XX/XX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$99.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$260.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$590.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/XXXX XXXX  XXXX Ny {$160.00} That is my final answer. You should be ashamed making me wait for my money this long.
Product: Mortgage

PHH Mortgage took {$13.00} out of my extra principal payment back in XX/XX/2019 they said they issued a check in XX/XX/2019 I have called in 15 times or more and I am always told well we cant confirm it was mailed let me get with that department for verification and we will get back to you sorry for the trouble. I want my {$13.00} that has been owed to me since XXXX and I wish that the CFPB would get more teeth and penalize this company for their sloppy mistakes period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX
Product: Credit card

I owned a business credit card for XXXX XXXX from Citibank. 

I had a dispute with the merchant XXXX XXXX which got finally resolved and I decided to retract the dispute. 

I called Citibank to cancel the dispute process as I had the resolution from the merchant XXXX  XXXX  afterwards of filing the dispute. 

The amount was {$190.00} for the transaction dated XX/XX/year> that was already paid in full for the XXXX statement cycle on XX/XX/year> which was the due date of the business credit card. 

The dispute was filed was way later in XXXXXXXX XXXX  and I got a credit balance ( negative ) of {$190.00} as the immediate credit post filing the dispute. 

But, when I decided to " Cancel '' the dispute, Citibank erroneously reversed the charge TWICE and not ready to accept their mistake of billing me twice for the same transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 or 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. 15 U.S.C. 605 - 15 U.S.C. 1681c ( f ) no dispute remarks have been added to indicate previous disputes.
Product: Credit reporting or other personal consumer reports

I found collections on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block 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 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of fraud and your company is reporting inaccurate information to credit agencies. I demand you cease and dismiss the closed accounts, I only recently learned about while trying to open real accounts. Remove all the closed account Infofmation immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/XXXX
Product: Debt collection

Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for an unpaid debt with an apartment complex. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to retail merchant association and letters sent out to the company, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine, only a statement saying that its mine. no evidence whatsoever. I also sent a letter via USPS to all reporting credit bureaus regarding this matter. I have yet to receive documentation proving that this debt is indeed mine.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Product: Credit reporting or other personal consumer reports

Over the course of the last six months I have sent 3 letters to dispute my inaccurate information and its still not being reported correctly
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and identity theft. Fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. 
Unauthorized Accounts XXXX. XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} Supporting Documentation To assist with your investigation, I have enclosed : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of the police report and/or FTC Identity Theft Report filed regarding this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about my brothers addresses showing up on my experian report and they refused to take them off. I provided my ssn, address, government photo Id, and a copy of the report with the addresses shown in highlighter. I mailed the letter certified with a receipt and made copies of the letter that was sent to them as proof. I informed the reporting agency that this was n't up to the standard for the fair credit reporting act and they still violated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX and XXXX XXXX XXXX as being listed on my Equifax credit file/report. These accounts and balances do not belong to me and are a result of identity theft. XXXX XXXX and XXXX XXXX XXXX have confirmed this multiple times, as have I with Equifax, which continues to violate several rules of the dispute process.