23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi I have multiple Complain in my credit report for Incorrect information 1- my Credit age isn't correct it shows only 4 years with XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXit's over 6 year since XX/XX/XXXXwith XXXX XXXX XXXX 

2-Synchrony bank- Ashley card i Paid the total amount {$1900.00} and I bring the balance to {$0.00} they didn't report it over 1 month and they lowered my limits for {$5000.00} to {$1900.00} and damge my credit report 3-XX/XX/XXXXXXXX it shows that I have a late payment, Which is not correct I made the payment on time and I changed my bank account and I updated in the system, and they Try to take money from the old bank account that I already close and they didn't inform me with anything about the payment until I seen it on my report! And my payment history went down from % 100 to % 99 4-XX/XX/XXXX I didn't Authorise them to run my credit and they did it without me knowing over the phone 5XXXX XXXX XXXX I paid {$2000.00} and I lowered the amount from {$5400.00} to {$3400.00} and I didn't see that have been reported It. 

6-XX/XX/XXXX auto finance, they charged me high interest rate on my car that I Finance with them and I called them to lower my interest rates because of covd19 I get effected Financially they refuse to Cooperate with me and I never missed any payment.
Product: Mortgage

I already have a complaint  XXXX  on file and it was closed based on the response from Bank of America. They state we filed for Bankruptcy and that 's it. Bankruptcy was closed and the application  for Home Modification ha s taken place AFTER the Bankruptcy, for more than a year we tried to get a modification and BOA just kept stalling and demanding a payment of tens of thousands of dollars to stop the foreclosure during the modification process. The Bankruptcy ended  XXXX   XXXX  and they home was sold  XXXX   XXXX , DURING THE MODIFICATION PROCESS.
Product: Debt collection

XXXX immediately after I answered an ARS Resolutions call re : a medical collection that I have no idea what company the supposed bill/company says I owe ARS PUT THIS CHARGE OF {$320.00} on my credit reports! I have never received one piece of paper re : this bill! They have neglected to send one! I need this off my REPORTS ASAP as I am applying for housing! I had a XXXX credit score & this brought it down to XXXX! I have been on XXXX FOR YEARS so this is a fraudulent charge! I also read that any day the government is deleting all medical debt under {$500.00}. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I noticed EXPERIAN has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EXPERIAN has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EXPERIAN in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EXPERIAN permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for SCRA so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.
Product: Debt collection

Southwest Credit XXXX placed this collection on my credit report for services with XXXX that I have never received in a town I have never lived in. I have advised the credit reporting agency and provided proof of never living in the state of MD
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX TransUnion
Product: Debt collection

They reached out by phone I requested information that I owed the debt as this debt is not mines. 
Nothing was provided and the request was made in XX/XX/year>.
Product: Debt collection

On XX/XX/2020 I received a phone call from a lady who did not Identify what company she represents and that they were attempting to collect a debt and she stated that a courier was showing up at my home to serve me papers within 1 to 2 hours. I then asked her who is this. she then stated that she was a mediator and not a debt collectors office and she was calling on behalf of XXXX XXXX XXXX that they had a civil claim against me stating that I was intent to fraud and that I owed XXXX for a credit card that was closed in my name.I explained to her that I did not receive any paper work or prior phone calls pertaining this alleged debt and I could not afford to pay anything today and she attempted to ask for a payment and I told her I have to pay rent and can I make payment arrangements on XX/XX/2020 she then stated that her client was not willing to wait and that she was signing the paperwork stating I was refusing to pay and legal action such as forcible recovery are in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax-Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail. They are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not.
Product: Checking or savings account

XXXX XXXX customer service refused to properly file dispute when trying to reach supervisor
Product: Credit reporting or other personal consumer reports

My wife and I are currently in the process of searching for a new home. On XXXX, XX/XX/24 our mortgage loan officer pulled our credit to start a new loan application. Since that time, my phone has been bombarded with over 100 calls and text messages from lenders asking for business. On XXXX, XX/XX/24 my dad reached out to me that he had been contacted by a lender searching for our business. He had received a text message to his personal cell phone that was a report ( prepared for me ) that included my name and credit score as well as several potential refinance offers if I was to choose that company. I reached out to my loan officer and he confirmed that the number on this report was my credit score from XXXX. I did reach out to the person listed on that report to ask why my information had been disclosed without my consent to my father. The individual I spoke to was very rude and dismissive, stating that he only used the information that his company had purchased directly from the credit bureau. In speaking with XXXX, the representative was unhelpful in determining why my father 's cell phone number would be linked with my report, but did offer to delete any other phone numbers. A freeze was placed on my credit report, and she also placed a fraud alert on my account.
Product: Credit card or prepaid card

My chase Amazon visa credit card had incorrectly filed my dispute as " cancelled charge '' when I had called customer service for a Double charge. I contacted them and showed them the second charge, and they said they could " no longer recover the fund '' because 60 days had passed. Attached is my insurance payment showing this same charge was Also charged to my insurance.

This is a violation of FCBA because Chase 's dispute department had incorrectly filed my dispute and is now saying they are unable to return the charge due to their mistake. I spoke to customer service several times, including XX/XX/XXXX, XXXX with XXXX XXXX, an account supervisor.
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information that is heavily effecting my credit score. I have tried to resolve this with them multiple times. My credit score is above a XXXX at other bureau which has all correct information on it. My identity was compromised and fraudulent accounts are on my report that they will not remove permanently. This has to be illegal and needs to be resolved asap. I question the integrity of this company as I thought everything reported had to be accurate information and not just information.
Product: Checking or savings account

I am filing a complaint with the XXXX  regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires times access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, thank you.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

in the past 5-6 months Ive been receiving a phone call every day from this company quiescence resource management I always try to answer but they hang up when I get to the phone Ive tried calling back but it goes to voice mail and they say leave us a massage I dont know what to do anymore I received hundreds of calls from them already
Product: Money transfer, virtual currency, or money service

PayPal has been running a promotion of 5 % cash rewards for XXXX purposes. While most of my transactions have been in pending status, I launched inquiries into two that did not have pending statuses. One was resolved quickly, but the other has not. I have tried contacting their support ( XXXX ) several times to no avail. I sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also initiated chat sessions which ended up with recommendations to the email approach detailed above. 

The purchase in question place on XX/XX/year> in the amount of {$2600.00}. Per their rewards terms, I should have XXXX in rewards pending. At this stage, I need help.
Product: Credit card or prepaid card

Kohls/Capone allowed someone else to open an account with my social security number due to fraud/identity theft. When I first received the alert ( from XXXX ) of a hard inquiry on my credit report on XX/XX/22 I immediately informed them it was not me and requested the account be closed. On XX/XX/22 I received a second alert ( from XXXX ) that the a new account had been opened in with my information, the same Kohls/Capone account I had already disputed, they allowed to be opened anyway, even though i had given them a the fraud/identity theft warning.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX BANK # XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Hi! This is a follow-up to my complaint case # XXXX that was never resolved. 

Based on the letter attached in the above case dated XX/XX/XXXX, Ally Bank has elected to charge off our loan and release the lien, and they are in the process of doing so at this time. Today, XX/XX/XXXX, I received a letter from Ally Bank and once again it is about an offer for a resolution to avoid foreclosure. I was expecting to receive the hard copy of the said letter that they will release the lien and charge off the loan. This company has been giving me stress for over a year now. And I thought this would be resolved. Are they trying to trick their consumers and CFPB? They said one thing but did not follow through. They have to stick to what they say in that letter dated XX/XX/XXXX.
Product: Debt collection

In 2 days I have received 10 phone calls from Allied Interstate debt collection from 10 different phone numbers. They never leave a voicemail and always call from a different number to dodge being blocked. This company has made no attempt to contact me in writing so I have no idea what their supposed business with me is. I have done internet research on this debt collection company and they are notorious for harassing consumers and are the target of many lawyers who specialize in debt collection harassment.
Product: Credit reporting

Hello I recently submitted a request to Trans Union in XXXX 2016 to delete an account that was a result of Identity Theft. They have not removed it and I am writing another letter for them to either delete the item or provide there method of verification. I thought that they were suppose to remove it within 4 days of receiving my letter. I do n't think this is fair. This negative item is making it hard for me and effecting my life adversely. I need your assistance in removing this item from my credit report with Trans Union immediately. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/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, XX/XX/XXXX, XX/XX/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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

JEFFCAPSYS HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX AND XXXX. 

FOCUS XXXX XXXX HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.
Product: Bank account or service

Hello. I like US Bank, so I decided to open checking and savings accounts there. To fund the new accounts I submitted XXXX cashier 's checks from people that I knew only as clients. The amounts were {$2400.00} and {$1900.00}, so I did n't ask for any money back, and I stressed that these were from people I did not know well. Still, they were official cashier 's checks, so I felt all would be well. However, the bank 's fraud dept determined later that they were forgeries. And HERE is my complaint : they closed my new accounts, marked me as a risk, said I could never have another US Bank account, and even charged me {$19.00} for each returned deposit! Who knows what they put into XXXX and XXXX. I 'm afraid to try to open an account anywhere else. It is my hope that US Bank will reconsider their position and give me another chance. The cashier 's checks looked absolutely genuine. How was I to know they were forged?
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I hope this letter finds you well. I am writing to request your assistance in verifying whether there is any business credit associated with my name. I am concerned that there may be unauthorized accounts or credit inquiries that I am unaware of, and I want to ensure that my credit profile is accurate and secure. 
Please find my personal information below for your reference : Full Name : XXXX XXXX XXXX Social Security Number : XXXX ( only include if necessary for identification ) Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This company sent lawyer papers and called my work at XXXX XXXX My boss name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX And with the covid-19 disaster in my City this credit is hindering my life at the moment I sent captial one certified mail, called numerous of times and they well not get back to me to work out this debit that is incorrect and mailing my job is risking me to get fired
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX ( XXXX XXXX XXXX XXXX ), has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

On or about XX/XX/2019 I applied to QL over the phone to refinance my mortgage. They determined the value of my home to be $ XXXX and charged me {$500.00} for an appraisal which I paid. A few days later an appraiser appraised my house at $ XXXX. QL contacted me and stated the appraisal came in under market value. According to QL since the appraisal was under $ XXXX I would now have to bring more money to the closing. I would have to bring $ XXXX more than the $ XXXX Good Faith Estimate. I cancelled the process and requested a refund of the {$500.00} appraisal fee. QL refused to refund the appraisal fee. QL didnt tell me verbally or otherwise that specific conditions were associated with a refinance appraisal in this particular situation so I did know the risk. I dont recall ever being notified that I could lose my appraisal fee if the appraisal came back under market value and I chose to cancel the refinance process. This is a loophole that is detrimental to the homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information does not belong to me. I demand immediate removal and future reporting blocked from my report. This information is not mine and needs to be deleted from my report immediately.