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

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on multiple accounts ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX XXXX, XXXX, XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

I WANT THESE INQUIRES TO BE DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT, THAT IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is capital one today on XX/XX/22 i talked to capital one on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, noted there was a change to my personal profile on XXXX XXXX site. Primary name is now reported as XXXX XXXX XXXX instead of XXXX XXXX XXXX. I called Transunion XX/XX/XXXX and was advised the name change is due to creditor reporting. XXXX XXXX is the only credit card reporting this change. Transunion advised me to contact XXXX XXXX. When I called XXXX XXXX, I was advised Transunion is the reporting agency that is causing the change. I advised I would contact CFPB as I am getting nowhere with either entity.
Product: Credit card

Rewards checks are mailed out with XXXX statements, and I cancelled my card just after the XXXX statement was paid, so a XXXX statement would still be mailed to me. The credit card company cancelled my rewards for {$180.00} even though they were supposed to be mailed with the XXXX Statement. I spoke with them online, and they said they could reopen the account within 24 hours if I spoke with a manager. I spoke with a manager ( named XXXX ) and she refused to refund the amount or reopen the account. The person I spoke with online ( named XXXX ) said the manager 's decision is beyond her control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Mortgage

In XXXX of 2020 me and my husband tried applying for a refinance on our home to get extra money to finish construction work on our home. A part of the application process was having a appraisal done on our home in which we paid Citizens {$530.00} on my XXXX  card and someone did come out to our home around the first week of XX/XX/2020 to have it appraised. The appraisal we found out from Citizens ( XXXX XXXX was our loan agent ) that it didn't appraise out and that we could not get any extra money. We never did get a copy of the appraisal and now Citizens is saying a refinance was never done and they do not have a copy of that appraisal done in 2020. I have made a dispute with my XXXX  XXXX  due to paying for the appraisal with the card. They can not get Citizens to respond to the dispute. I have recently filed complaints with the XXXX XXXX XXXX, Bureau of Financial Institutions in Virginia ( that is where mortgage is out of ), Missouri Division of Finance, CAG, Helpwithmybank.gov, and the Missouri Attorney General 's office.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) Contents of Complaint : To whom it may concern, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card account at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, under the account number ( XXXX ). These accounts have resulted in XXXX accounts being late, along with XXXX charge offs appearing on my consumer XXXX credit report. Ive attached a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items that were previously mentioned. I am completely unfamiliar with all the previously mentioned accounts, and they are all listed as charged off. All the previously mentioned accounts 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my most recent credit report from Equifax and noticed some accounts that are on my consumer credit report that I didn't recognize but had several violations according to the FCRA. One being the account with XXXX XXXX XXXX ACCOUNT # XXXX AND the other one being XXXX XXXX XXXX ACCOUNT # XXXX. They are in direct violation of 15 U.S.C. 1681s-2 ( b ) and U.S.C. 1681e ( b ) of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting. i will attach the inaccuracies of both accounts.
Product: Checking or savings account

On XX/XX/XXXX i opened a dedicated account for my XXXX XXXX XXXX XXXX. This account is solely meant for deposits from ssi for back payments After a year and 2 installment payments we were anticipating the 3rd and final installment from social security. Due to covid -19 pandemic social security did not deposit the 3rd installment on XX/XX/XXXX which was the expected date. I had a check to cash at wellsfargo for financial aid so i went into to speak with the banker i told him how i recieved the information from social security about the deposit expected to be late due to being backlogged and the fee that was assessed to my account after just resolving it. He told me the fee bringing the account to a negative would not affect the deposit. The week following the deposit wasnt there So i returned to the bank branch where i opened the account and told them the problem and how it didnt have a check mark for direct deposit as services we had and offered to clear the fee assessed to the account in case that would disrupt the account in good standing and the substantial deposit we are expecting i wasnt too sure about the rules tho concerned about ssi policies for deposits made to account i was assured once again by the banker the account was available and ready for the deposit and not to take care of the fee because the seposit from ssi would take care of it and the deposit wouldnt be affected by it. I told the banker once again they were backlogged and the deposit would be late she assured me the account would be ready 3 days later they closed the account due to inactivity and a negative balance i called and the representative told me the account would be back open in 3 days but no we are XXXX because wells fargo lied to us
Product: Checking or savings account

As an XXXX XXXX business owner, I have been treated unfairly by Regions Bank due to a lack of direct communication and understanding of my situation. 
My Story! I and my wife XXXX have had XXXX business with the State of Florida. 
as Independent company 's. During the time with the State we employed XXXX employees XXXX under the 1099 employment and 7 office staff. When Coved hit us we were unable to communicate with the Florida offices due to closing, having staff work from home. 
We lost our staff, My wife and I took over however It became to much and we closed both companies in XX/XX/year>, On top of that owing a XXXX XXXX building with XXXX rental offices and just going through the two worst storms we have received so much damage that we have lost all our Tennent 's. No Income. Except SS. 
When I was a young man in the late forties an fifties we were taught to save cash for a rainy day. That has been the road I have followed during my entire working life. Know that I am with out enough income to meet my current monthly Mortgage on the office building and home I have been using my cash saving to meet the bills. Apparently the bank thinks I am washing money and have closed my XXXX accounts with out a work why. 
Would you please investigate whether the bank 's actions are consistent with fair treatment under the law, especially considering my age, situation, and the fact that I have been depositing legitimate savings and earnings, not illicit money. 
I would like Protection : With expressing my belief that older adults should be protected from unfair treatment in financial matters, especially when i comes to matters of cash deposits tied to real-world circumstances like business losses and personal hardship.
Product: Credit reporting or other personal consumer reports

XXXX continues to show information on my credit report after I sent numerous items to them showing I was a victim of ID theft through numerous data breaches. I attached all the proof and even told them I wrote to each of the companies I disputed with to ask for proof of how these accounts were opened in my name. NONE of them responded with any proof and all I got is a letter saying " We understand your concerns but have not found reason this is ID theft or fraud ''. I asked THEM to produce proof of how these were opened so I can dispute factually each thing they are reporting wrong, but each company not only produces no proof, they and XXXX continue to report these files on my report inaccurately. The companies in questions are Bank XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX who not only fails to investigate, they passed this off to a XXXX party collection, blocking every attempt I make to look deeper into this. 

Transunion now makes my ability to review my files or dispute online unavailable and I can not dispute numerous items including those above. Same with XXXX. Nobody investigates properly, nobody looks into materials I have provided showing data breaches and nobody fixes my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX is reporting that I open an account with XXXX and owe them {$1300.00} dollars. They stated that I open the account on XX/XX/2018. I have a existing account with XXXX and I am in good standing. I ask them to produce some documents with my name or signature on it showing that this is fraud and belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2500.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

In the past 3 years since we purchased our second house our mortgage servicer has changed 3 times, twice within the last year alone. The new servicer, PHH Morgage, charges an outrageous fee to pay online, {$7.00} to pay online or {$17.00} to pay by phone. This is well over what actual transaction fees would cost them, around XXXX cents per transaction, so they profit {$7.00} per transaction per customer for absolutely no good reason other than to make it convenient for the servicer because XXXX forbid the customer be convenience, they can't even email a payment conformation to you. None of the other servicers had such fees. It's abhorrent to XXXX people 's wallets for something in which they have NO choice over. Consumers can not choose who services their mortgage so we get stuck with XXXX companies that charge ridiculous fees just for the pleasure of doing so.
Product: Debt collection

I received a negative report on my credit report. It was from Enhanced Recovery comapany. They represent XXXX. It states that it is a new account and has an open date XX/XX/2016. That is false and hurts my credit score. I have been with XXXX for the past 10 years. I would like for this to be removed from my credit report. I filed a dispute with XXXX but it came back as correct which it is not and is illegal. Can you please remove this information from my credit report.
Product: Debt collection

I owe credit card debt to Comenity Capital Bank. they continue to call me from multiple numbers multiple times a day. I called them today to try and work with them and was asked " can you pay the balance? '' I responded with " not at this time '' and was immediately hung up on with no effort to work with me on a payment plan. I feel so helpless with this company because they simply will not work with me, but continue to harass me by calling multiple times a day. When I answer I get yelled at and hung up on. It's absolutely unbelievable, I am working hard to get out of my Financial crisis but I feel helpless with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is very unethical and is the payday lender of credit card issuers. They have repeatedly reported late payments on my credit report and add ridiculous fees making it impossible to pay them off. Their website is often down also and therefore if you can not make a payment due to it being down, they will report you to the bureaus again and again. Also I've made payments and not received proper credit for them. For example I made a {$200.00} payment last week that I still did not receive credit for. They have severely impacted my credit. I need to be able to refinance my house and use proceeds to pay medical bills but because of their high fees and bad credit reporting they are making it very difficult to do so. Please remove the negative late payments with all 3 credit bureaus. 

Prior to getting this card I should have read reviews because they have done the same thing to several other customers. 

Thank you,
Product: Student loan

I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Premiere Acceptance and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name PREMIER ACCEPTANCE Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******
Product: Credit reporting or other personal consumer reports

Re Investigation of complaint # XXXX XXXX XXXX # XXXX the Account was reported chard off on. XXXX .then Repeatedly updating as charg off every month since than this is updat in the payment history. XXXX account should not including an active payment history this inaccurate info falsely menupelat the status of limetatioyou failed to investigate this account properly and you neglect vaulat my rights I demand a deletion of this account.
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 have informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX XXXX account # 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 1681 section 602 A : states I have the right to privacy.

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

Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an incorrect address from my consumer report. 
The address is XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is not my address nor has it ever been my address. I have no affiliation with it and don't know why it's appearing on my consumer report. I have reached out to Experian regarding this matter and they have yet to resolve it.