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

Starting in XXXX of 2020, I was charged a late fee by Comenity Bank for a XXXX credit card. As this was a one time issue, I tried contacting the company multiple times to discuss waiving the fee. I meanwhile, paid the balance on my credit card. After being put on hold numerous times and never reaching a person as well as sending emails, I was unable to reach someone. They started to tack on fees to the original fee. Again, I tried contacting them. Finally reaching a very rude individual who told me I needed to pay the full balance that had now accumulated. Meanwhile, I was receiving 3-4 calls a week from Comenity Bank telling me they were here to help me with any covid issues. I talked to one of them and realized they had no connection with the issue I was having. I am apparently on their call list as they see there is an overdue balance. They are so willing to help me in times of covid issues and yet they are charging me fees upon fees. They told me to send a complaint in writing. I did this through their website. In addition, I also called again and this time spoke to another person who told me I just had to pay all of the fees or this would never stop. I tried a 3rd call and reached a polite individual who reiterated what the comentiy callers had told me-to send it in writing. Since then, they have continued to tack on charges month after month. I now have a {$210.00} balance that is all fees, no purchases. I received a letter in XXXX thanking me for contacting them ( in response to the written complaint I filed ). Now they are asking for me to provide them with as much information as possible. I already did this the first time. There was no direct contact info or name for anyone I could contact. And again, they tacked on two more months worth of fees since then. I have invested enough time trying to solve this and watch as this balance grows from a {$24.00} fee to {$210.00}. I do not want to get stuck paying for something that is not owed and as far as I'm concerned is unethical. I was told by their representative originally that I had to pay even if I did not owe the fees. It appears they are involved in dishonest practices of charging fees on credit cards with no balances and harass the customers until they finally give up and pay.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the company about unauthorized inquiries on my credit report. I was told that no information was in the system with my information. That there was nothing that they could do.
Product: Credit reporting or other personal consumer reports

I was reviewing my reports and found a few question markings attached to some accounts that i found alarmingly questionable. I wrote Experian to have them make the corrections to my report and even the companies being wrongfully listed for deletion. sadly they have yet to respond or delete the damning remarks. it is to my understanding that these errors are of violation to my consumer rights regarding my consumer reports. I need the listed account deleted so my report con properly represent me.
Product: Debt collection

I never lived in an address where a XXXX XXXX bill was provided service. This bill was {$2100.00}. Someone has used my social or identify without my consent. Penn Credit Corporation XX/XX/22 was assigned to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed under closed accounts on my report. XXXX 's, accct # XXXX. I have disputed this acct numerous times and everytime it comes back the same. They do nothing to correct it. 
This account is listed on my report under CLOSED accounts, and Charged off. 
Yet my report shows a balance of {$240.00}. If this account was charged off, the bal should be XXXX. 
Also if it is Closed, How can it show a past due balance?? As of this moment in time, it says I have a past due balance of {$80.00}. 
And I would like to know what the difference is between a status update? and a Balance update?? 
This account is also NOT a unsecured loan. It was a revolving account. A retail credit card. XXXX is a department store. 
I have one more question. Why does my payment history ONLY show the negative marks?? If you look at my payment history, it says no info available, accept at various spots .. where it says in delinquency. Like I said, I have asked more than 5 times, that this account be corrected. I also think it is interesting that this creditors contact information states ... BY MAIL ONLY! So I can not call them???
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed UNAUTHOEIZED INQUIRIES on my credit report. Someone else applied with my name. 

According to the FCRA, these unverified and AUNAUTHORIZED inquiries most be remove. 

credit bureau name : EQUIFAX XXXX XXXX XXXX INQUIERIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, a parent XXXX XXXX wrote me an email asking me to XXXX  his daughter XXXX. He got my contacts from my universitys XXXX Department website, so I thought it was valid. He mentioned that he was abroad, so he preferred to send me a check to pay the XXXX  fees. 

On XX/XX/XXXX, I received a check of XXXX dollars in my mailbox and he asked me to deposit the money in my Bank of America account as soon as possible and send XXXX dollars to his cousins account via XXXX. I decided not to continue the XXXX and asked about ways of returning all the money ( XXXX dollars ) in the check, XXXX instructed me to send XXXX dollars in total to his cousins account. But later, I found out that it is a check scam and there is a returned item chargeback ( XXXX dollars ) on my account. I suspected that XXXX stole others information and falsified a check. Therefore, I lost XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

XX/XX/scrub>/24 I XXXX XXXX was contacted by phone by amerisave in regards to a loan for a home i recently purchased. I was made under the impression amerisave was the mortgage company the realtor during the open house was referring to that worked directly with XXXX XXXX, the company building my new home in New Jersey. XXXX representative XXXX XXXX phone number ( XXXX ) charged me {$540.00} as an application fee to sign up for a loan i didnt need. They refuse to refund my money. He refuses to answer my phone calls. I have e-mail him and he continues to give me the run-around. I reported them as fraud to the credit card i was billed on and they rebilled me. Multiple XXXX XXXX employees have tried to help me dispute their charges after they noticed online that multiple other people have also felt as though theyve been scammed by amerisave
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and XXXX in regards to my rent not being reported to my credit report. Ive been in constant communications with XXXX XXXX  and I agreed to them reporting my previous XXXX year transaction history of rent being on time to Equifax and XXXX, but to this day, nothing has been updated on my credit report, so I would like to know why is this information being held from my credit report. I tried to correct this online through the different credit agencies website but its limited, I can only dispute information thats currently on my report. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed here by Equifax and XXXX. The Fair Credit Reporting Act ( FCRA ) protects against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the ( FCRA ), it can cause lower credit scores, denials of credit, higher interest rates on loans and credit extensions, and more. I know there is currently a lawsuit against XXXX for failure to ensure the accuracy of tenant screening reports and thats exactly whats going on here.
Product: Credit reporting or other personal consumer reports

I noticed incorrect personal information on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not open personal by me I have no knowledge of these accounts on my profile XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by XXXX, XXXX, and Equifax regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and consistent information on my credit reports. After reviewing my reports, I found several errors : Inconsistent " High Balance '' : XXXX : {$520.00}, XXXX : {$0.00}, Equifax : {$320.00}. 

Violates 623 ( a ) ( 1 ) ( A ). 

Conflicting " Date of Last Activity '' ( DLA ) : XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, Equifax : XX/XX/XXXX. 

Violates 611 ( a ) ( 1 ) ( A ). 

Omission of " Closed Date '' : XXXX lists XX/XX/XXXX, but XXXX and Equifax do not report this information. 

Violates 609 ( a ) ( 1 ). 

Discrepancy in Creditor Remarks : XXXX : " Charged off as bad debt, '' XXXX : " Profit and loss write-off, '' Equifax : `` Charged off account. '' Violates 611 ( a ) ( 1 ) ( A ). 

Inconsistent " Credit Limit '' : XXXX and XXXX : {$400.00}, Equifax : {$0.00}. 

Violates 609 ( a ) ( 1 ). 

Payment History Errors : XXXX shows inconsistent reporting of charge-offs ( CO ), while Equifax exaggerates late payments ( e.g., 37 instances of 90-day lates ).

Violates 611 ( a ) ( 1 ) ( A ). 

These inaccuracies are harmful to my creditworthiness and violate the FCRAs requirement for accurate and verifiable reporting. I request the immediate deletion of this account from all three credit bureau reports due to the following reasons : The errors are inconsistent and unverifiable. 

The reporting violates multiple sections of the FCRA, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 


[ XXXX XXXX ] XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was denied an increase of credit and Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : APPLE CARD/GS BANK USA XXXX
Product: Debt collection

Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.
Product: Credit reporting or other personal consumer reports

So I received XXXX late payments for the months of XXXX and XXXX of XXXX due to fraudulent activity on my XXXX master card. Those chargers started in XXXX of XXXX TaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX During this time I was incarcerated from XXXX, XXXX XXXX until my release of XX/XX/XXXX. I have the documentation showing these dates and when I furloughed from XXXX XXXX to XXXX XXXX plan on XX/XX/XXXX. I Also made a police report on XX/XX/XXXX about these activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX ) I have disputed this account as inaccurate with XXXX, Equifax, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Product: Debt collection

Disputed Collection with XXXX Credit Bureau and have not received any Information on the Debt. Debt were removed by XXXX Credit Bureau initially but added back. Disputed Debt with XXXX XXXX on XXXX
Product: Credit card

i need billing history for the account. I need to have full payment history, 1st date of delinquency, last payment date, 1st major delinquency, date account was opened and date account was closed.
Product: Debt collection

I sent Grant & Weber a letter for a debt validation. Grant & Weber did respond via mail, but my concern is that Grant & Weber has completed a major HIPPA violation along with the original creditor  XXXX   XXXX   XXXX . Grant & Weber is an law office or so they say and I am sure they know of the HIPPA laws or so they should.     Grant & Weber has yet to provide me the original contract that I SIGNED WITH THEM.   Grant & Weber has clearly and willfully broken HIPPA laws.   My medical information is personal and should remain confidential between me and a medical provider.   Grant & Weber is in a clear violation and have no permissible purpose divulging protected health info to anyone on an account.     I intend to file a compliant with DHHS OCR against Grant & Weber as well as  XXXX   XXXX   XXXX   XXXX  for this violation because my information is protected by the HIPPA laws and when a hospital sells a debt, they are only suppose to sell the debt, and NOT my personal medical information, no details!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, XXXX, Equifax requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this collection agency who is inaccurately reporting an illegitimate credit item on my credit report, in which is damaging my credit. This debt is no longer owed, as Ive settled it with the original debtor. This collection agency illegally purchased old debt that no longer exists, and now trying to ruin my reputation and credit. I am demanding that this negative item be removed, or I will seek legal action and report this company to the media.
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 XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Customer could not help me remove any of these hard inquiries i'm willing too list down blow that was inactive on my credit report. 

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