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

On multiple occasions I have disputed an account with XXXX, Equifax, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet XXXX  and Equifax refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with XXXX  and Equifax on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, Experian, XXXX, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned law.
Product: Payday loan, title loan, personal loan, or advance loan

I didnt even apply for this line of credit I wasnt even aware untill this number out of XXXX to started calling me all hours of day an night sometimes they literally call me XXXX times in one day I blocked several numbers of their and they still manage to call I turned this into XXXX  and another lawyer told me to continue to block them bc this has been going on for months and they spam email me and its never ending they did get me to answer and they were so eager to say XXXX u know why were calling dont u so pay ur debt and I hung up that is creepy and harassment and should be illegal to do to someone I have even consider changing phone numbers idk what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, consumer and natural person recently obtained my credit reports after being denied for things I should have zero problem attaining given my status to find a debt being reported that I have no recollection of authorizing or establishing.

Honda Financial Services is claiming I owe an alleged debt that was charged off.

I have sent them a conditional acceptance on condition they provide 1. Validation of the debt, that is the actual accounting, 2. Verification of the debt, that is a signed invoice 3. A copy of the contract binding both parties, and to 4. Make available for my visual inspection the original contract that would make them the holder in due course.

I have sent this conditional acceptance and an Affidavit of Truth with my demand.

At first they sent a letter back saying the address on my credit report was the wrong address to send correspondence which is a XXXX XXXX compliance violation within itself. Then when I sent another letter to the " correct '' address they only responded with a printed version of the accounting with no signatures anywhere. Nothing signed by me or anything that actually binds me to the debt. 

I do not recall creating this debt and they are reporting this debt on my name but refusing to verify it. Is there anyone that can help me stop this fraud? 

They also sent a letter with the accounting that states they do not have to follow the rules of the FDCPA because they aren't debt collectors. This screams fraud and they are reporting this on my name.
Product: Credit reporting

I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. 
XXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information.
Product: Debt collection

XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information and a new police report foXXXX XXXX XXXX with the account listed and the false amount owed. Also Experian is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for XXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also Experian is still reporting XXXX XXXX XXXX which was removed already by XXXX but Experian is still reporting and XXXX XXXX as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late XXXX XXXX account was not updated to paid in full as the account was credited so it should not show as late
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are referenced are EXACTLY as it appears on my credit report that your company has reported as being accurate. 
Please correct or delete these accounts immediately. 
I have attached My DL, SSN, and Proof of residency for Verification of my identification. 

Company Name & Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened both a savings and checking account with Citibank in XXXX based on their advertised high interest rate. 

I transferred {$250000.00} to the savings account and had a little over {$10000.00} in the checking account. 

My daughter and husband then moved from XXXX Oregon to XXXX, PA and needed help buying their home so I wire transferred from my Citibank checking account {$100000.00} to the Realty company. There was a fraud alert based on the amount and I responded to confirming the legitimacy of the transaction and the wire went through. 

I then got notification that both my accounts were being terminated without explanation. I placed multiple calls to Citibank and was told I would receive a letter and my funds in XXXX days. I have not received a letter or my funds. I went online and have found numerous complaints regarding Citibank of similar nature. I understand banks have the right to terminate without cause but do they have the right to freeze and hold my funds over {$150000.00} collecting interest while I have no apparent recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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

For about a month now I have been in contact with Equifax regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by XXXX. XXXX   and XXXX  have removed the accounts from their bureaus. Equifax has not. Equifax has removed the creditor 's name ( XXXX  ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of XXXX 's name ). They told me that XXXX had not requested that the information be removed and they would have to request that the information be removed from the report before Equifax would remove it.
Product: Debt collection

This company AMSHER COLLECTION SERV has stated of a debt form a company charter that i have no knowledge of. No information was ever sent toshow of any relationship with this company. It breaks federal law 15 u.s.c 1681b Permissible Purposes of consumer reports.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This is a formal complaint against Equifax as Equifax has reinserted information that it had deleted previously. The XXXX XXXX XXXX XXXX tradeline was reinserted by Equifax as XXXX XXXX XXXX XXXX has requested that Equifax delete the tradeline that Equifax reinserted. 

Equifax reinserting this tradeline is a violation of the FCCPA ( Florida Consumer Collection Protection Act ) as Equifax is not indirectly claiming that I owe a debt. The FCCPA includes companies such as Equifax to be debt collectors whether they directly or indirectly claim a debt is owed. 

Equifax is also violating the FDUTPA ( Florida Deceptive and Unfair Trade Practices Act ) as Equifax reinserting information that Equifax has already deleted and making it appear as though XXXX XXXX XXXX refurnished the information is a deceptive and unfair trade practice. 

Equifax is also damaging my credit reputation thus defaming my credit image therefore is committing Libel/Defamation. Equifax maliciously reinserted information it had deleted before and made it appear as though XXXX XXXX XXXX XXXX refurnished the information. When Equifax unlawfully reinserted the XXXX XXXX XXXX XXXX tradeline it alerted my XXXX XXXX Credit Monitoring System which monitor my credit activities of both Equifax and XXXX. XXXX XXXX then alerted me via email that changes occurred to my credit file. Once I logged onto XXXX XXXX it displayed that changes were made by Equifax. In this case, XXXX XXXX displayed where Equifax reinserted the XXXX XXXX XXXX XXXX tradeline on or around XX/XX/2021 compared to when Equifax deleted it on or around XX/XX/2021. 

Equifax 's unlawfully reinserting on XX/XX/2021 the XXXX XXXX XXXX XXXX tradeline it had deleted on XX/XX/2021 display malicious intent from Equifax to damage and destroy my credit file. 

I can go on with writing the unlawful and deceptive conduct exhibited by Equifax as I have been working on my credit since XXXX of XX/XX/2021. 

Thank you for your attention to my concerns that are public policy issues and I look forward to hearing from you soon. 

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

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

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  And numerous addresses and other inasccurate personal information
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX - XXXXXXXX XXXXXXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a background check with Checkr for my job and there was something stating I had an unregistered vehicle charge that was done on XX/XX/XXXX however I did not obtain my license until a few months later in XXXX of that year. During that time, both my parents names were on the title of the vehicle. I switched the title in my name in XXXX or XXXX. Obviously this information is incorrect and needs to be fixed immediately
Product: Mortgage

Multiple contacts by the lender to attempt collection from me on XXXX loans which were XXXX under chapter XXXX bankruptcy. The lender also has continued to report an active updated payment status monthly to the XXXX major credit bureaus.
Product: Credit card or prepaid card

I used a Care Credit card issued by synchrony Bank 2 years ago to finance XXXX work. This month after paying the balance down to {$1800.00} they attached deferred interest for the original loan of {$4800.00}. I never agreed to this nor was I ever informed that this would occur. When I spoke with a person at the company they told me that no matter if I agreed to or was ever informed about this action they told me that didn't matter that I was liable anyway. I am XXXX XXXX XXXX and on XXXX XXXX  and this is a huge hardship for me. I wouldn't mind if it was just on the remaining balance but they are trying to charge me for the entire loan amount. Please help XXXX XXXX
Product: Debt collection

XX/XX/XXXX I lost my job, my house flooded, and my truck blew up. I had a XXXX card that had crawled up to {$13000.00} over the prior years and they increased my interest to 29 % and my payments were not able to even cover interest. I contacted a financial advisor, XXXX, and signed a POA and was told to stop paying on the card so we could settle the card. 

The card was eventually turned over to Zwicker & Associates XX/XX/XXXX. At that point XXXX began working the Zwicker when she was able to reach them. Many, many messages were left. I believe she also text them, but they don't answer the phones ( I have tried to call them myself! ) They did call XXXX to discuss settlement, but even after reaching an agreement they again were impossible to reach. During at least one of the conversations with Zwicker they were informed that I had moved to XXXX. XX/XX/XXXX they filed a Summons in XXXX County, XXXX and XXXX again tried contacting them to request the copy of the agreed upon settlement that had never arrived to XXXX or myself. After leaving daily messages for many days she was never called back. XX/XX/XXXX a Notice of Entry for {$15000.00} was filed with the Court. XXXX again tried contacting as we were still attempting to reach them, but they were not answering phones, not replying to messages sent. 

XXXX finally got after XXXX Legal to retract the judgement as I was not in the State of XXXX and that should have never been filed. XXXX Legal retained another firm for the State of XXXX  and they pulled a copy of the XXXX Judgment and said they could not do anything as they do not practice in XXXX. 

XXXX legal has reached a settlement agreement with me at this time, however, they can not seem to get Zwicker to retract the judgement either as we have been waiting 2 weeks already and we Still can not reach Zwicker. 

Their behavior is rude when you are lucky enough to reach them, they are practing unethical practices, and when informed that I was not in the State of XXXX, that I had to move to XXXX  to take care of a parent on XXXX they even illegally served and filed papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, TXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX RESIDENT XXXX XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on an account ( XXXX XXXX/ XXXX XXXX XXXX ) and I have requested to be taken off as an authorized user. The owner of the card has taken me off and requested the issuer to delete me from all reports with the credit bureaus. All credit bureaus have done so with the exception of Transunion.
Product: Credit card

Original Citi credit card hit with fraudulent charges. Citi reissues card, but before I even active it, Citi advises that the replacement card has been hit with fraudulent charges. They issued a second card, and then a third card, which has now been hit with a fraudulent charge as well. Feels like this is an internal Citi issue...? How else could we have been hit with fraudulent charges before the card was even activated? How could three replacement cards be hacked inside of one month? Citi makes it next to impossible to get answers. I spent a good XXXX hours on this, and now the 3rd placement has been compromised and needs replaced. A lot of time spent with no answers on how this keeps happening.
Product: Checking or savings account

My EDD card was frozen because the previous identification was not verified in 2019. I made a phone call to BOA to unlock my card and the representative said that they need the EDD department to submit a form or notice, which indicates there is no identity fraud. The EDD worker just verified my information and an EBP ID Issue Log was sent with reference # XXXX to BOA. But it has been last several months since the unlocked requirement was sent to the bank. I had made phone calls to BOA so many times and there was no response. My money was locked until now and I need it to pay my bill. 
I think it's illegal for BOA to lock my card and restrict transactions after the EDD department lifted it. My card number is XXXX.
Product: Credit reporting or other personal consumer reports

Flexshopper LLC was an account on my report for collections, it was set to fall off my credit this XXXX. However it fell off and then reappeared on my credit score. It's infuriating and frustrating. The collection account states it was opened in XXXX of XXXX that information is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled debt with 2 credit cards XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.