23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Pease remove these fraudulent inquiries from my credit report.

I also attached my identity theft as well.
Product: Checking or savings account

About 1 month ago I visited my TD Bank branch in XXXX, NJ to close my account. I was told it could only be done if the balance was XXXX. I withdrew all my money to bring the account to zero. Then I was told that there was a transaction pending and they could not close the account. Then I noticed the transaction went through with an added {$35.00} overdraft fee. I paid the amount to being the account to zero, but the account still was not closed. Other charges came through, each with the added overdraft fees. Im traveling, so I made a transfer from my new account with another bank and my husband went to the branch in person to pay any additional charges and close the account. They promised the account would be closed within 24 hrs. Today I checked and the account is not only not closed but Im again overdrawn nearly {$800.00}. I cant get rid of the account and they keep legally extorting fees from me. I dont know what else to do. Im trying to organize payments from the new account, but I cant afford double payments nor to continue to pay TD for a situation they created and are profiting from. I consider these new charges to an account that should have been closed to be unauthorized and fraudulent. Can you please help to get the account closed?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acount Name : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states that I have right to privacy. 15 U.S.C 1681 section 604 Scetion 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 pf convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS XXXX  HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN XXXX DAYS.






FRAUDULENT ACCOUNTS:




Account name

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  PHONE NUMBER: XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  Balance Owed : {$56000.00} - Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to complaint XXXX. 
Outline of events : Nobody contacted me so I called this morning. 
I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. 
Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. 
Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. 
XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. 
On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. 
If I had my way this company should be out of business, and the people mentioned above should all be fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed significant drops in my credit score ( XXXX XXXX, XXXX Equifax ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX  to XXXX XXXX without my explicit consent. The account transfer resulted in autopay settings being reset, and XXXX subscription charges ( XXXX and XXXX ) went unpaid. I contacted XXXX XXXX on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to XXXX XXXX 's credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. XXXX XXXX responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge XXXX XXXX to review all reported payment delinquencies during the transfer of accounts from XXXX XXXX  XXXX XXXX XXXX. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting its tradeline, as if it were not paid. and after Charge off. The status of these tradelines were changed and, as the result of my last dispute and are in fact inaccurate, adding to the incomplete status of this tradeline. 

XXXX The XXXX Date is inaccurate. 
There was no XXXX Date, until updates occurred in XX/XX/XXXX Now the Date is inaccurate The Payment History puts the XXXX XXXX date as XX/XX/XXXX The Balance/Rating History is Incomplete The Status was Paid, Closed. {$290.00} written off to Account charged off. {$290.00} written off The Account was paid off to XXXX and in XXXX of XXXX It was half reported before my last dispute now, its been changed to a value that reflects it was not I believe it should say Paid after Charge off? 

Transunion Maximum delinquency for the month of XX/XX/XXXX is inaccurate and payment for {$290.00} is not displayed in my payment/balance history for this tradeline which violates XXXXMetro2 guidelines
Product: Debt collection

In XXXX of XXXX I received a notice that kohns law firm was trying to garnish my wages. I Swifty sent them proof that my wages couldn't be garnished because I was receiving government assistance ( food share and Medicaid ). They stopped the garnishment. On XX/XX/XXXX I received an email that they started the garnishment back up again. I contacted them to see why. They didn't fix the issue even though my wages can't be garnished. I receive/received relief funded under public assistance, relief funded under 59.53 ( 21 ), Wis. Stats., medical assistance, supplemental security income, food stamps, or veterans benefits based on need under USC 501 to 562 or 45.351 ( 1 ), Wis . Stats., or have received these benefits within the past 6 months, or are eligible but have not yet received these benefits. I stopped receiving food share on XX/XX/XXXX but according to the law they have to wait six months after I receive benefits to begin collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian. I have encountered significant issues that I believe violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), and I am seeking a resolution to the following problems : Inaccurate Information on My Credit Report : I have found several inaccuracies on my credit report provided by all three credit bureaus, including but not limited to incorrect account information, balances, payment history. I have disputed these errors with the bureaus multiple times, but they remain unresolved, which is causing harm to my creditworthiness. 

Failure to Investigate Disputes : After disputing the inaccurate information, I did not receive a fair and thorough investigation as required under the FCRA. The responses I received were either incomplete or failed to provide sufficient details about how the information was verified. I believe that the credit bureaus have not adhered to the required timelines or investigation standards outlined by law. 

Failure to Provide a Copy of My Credit Report : Despite requesting a copy of my credit report under my legal right to obtain one for free once a year, I did not receive the reports in a timely manner. When I finally received the reports, the information was still inaccurate, and the necessary corrections were not made. 

Failure to Remove Negative Information : I have also requested the removal of negative information that was past the legal reporting time limits. The bureaus have failed to remove this information, which continues to impact my credit score negatively, even though it should have been deleted as per the FCRA.

I am requesting that the CFPB investigate these matters and help me resolve my complaints. Specifically, I seek : Immediate correction of the inaccurate information on my credit reports. 
A thorough and transparent investigation of my disputes. 
Compliance with the timelines and processes stipulated under the FCRA for dispute resolution. 
Removal of any outdated or legally unreportable information from my credit files. 
Enclosed are copies of my dispute correspondence with the credit bureaus and any supporting documentation relevant to this complaint. 

Thank you for your attention to this matter. I am looking forward to your assistance in ensuring my rights are protected and that these errors are corrected promptly. 

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

Hello! I tried calling Equifax earlier today but was unable to get reporting issue resolved I think I was misunderstood. My Equifax score 2 days ago days ago was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! How is it that, that many remarks were added in such short period of time and non are collections or anything of that nature and my score dropped that much. I have been diligent with my credit and this is the second time this happened where some data is being pulled and my score drops over XXXX points. The first time was back in XXXX and it had since, been resolved but now it happened again. Please, review as my score prior to this data error was XXXX and now has dramatically impacted me. Please review my Equifax report from XXXX and XX/XX/year> and update my scores as they were prior to the data error as this is a misrepresentation of me. Please update immediately as this is an error and go back to my report prior to XXXX to update as it was. Thank you in advance for your help in this matter! Again, there are no reasons that I am aware of where my score would have dropped that way. Again, I appreciate your assistance in this matter, as this is negative way affecting me since its happened in the past I tend to keep monitoring my report for discrepancies and thankfully, I do as this is unacceptable.
Product: Mortgage

Offered DIL as part of bankruptcy. I NEED NEW COVID-19 PROTECTION EXTENSION announced by President Biden to XX/XX/2021. 
Original loan signed by this complanent was XXXX XXXX XXXX backed loan. 
Current lender ( loan sold at least a dozen times WITHOUT notification to this debtor ). 
Current mortgage instrument is on file with the XXXX County Reg of Deeds on paperwork that has the XXXX XXXX XXXX logo on paperwork. If it is not a federally protected loan then the mortgage is misrepresentation, fraudulent paperwork.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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 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

I am seeking help as to my concern of how credit report handle reporting investigation and as well how lender is reporting current payments during pandemic crisis. Originally I filed dispute with XXXX   credit report regarding Nissan Finance ( auto loan ) payment history not related to COVID 19. At first Nissan had correctly reported my current payments I made each month in, ,current status '' for the last 7 months and then according to XXXX Nissan asked to remove my payments and place account in deferred status due to COVID 19 with payments to be resumed in XX/XX/2020. No payments were reported to XXXX   despite the fact payments were made during those months. 

I have disputed this information with both lender and XXXX, I received payment history print out from Nissan so its attached to dispute so XXXX can correctly investigate this error. I am not in deferred status and I have been paying my payments out of my packet for the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have over and over tried to resolved this issue with XXXX and XXXX with no results and only hurting me with inaccurate reporting. Not only its stressful but time consuming to have accurately reported account. 

XXXX is advising that Nissan is reporting my account status as deferred and Nissan is telling me I am not reported this way to XXXX, They have send me payment print out with payment history showing otherwise and this back and forth is going on for months. I am not really sure what is happening here and I need help, I am sure its happening to others as well.It almost looks like those agencies are trying to obtain monetary relief for showing inaccurate information using COVID 19 because I have no other explanation why would XXXX   properly wont investigate and or accept payment history from Lender and / or Nissan report accurate information ( my payments they received ) If this is not resolved I would like direction from the agency on how I could report this to either Congress or Attorney Genera, I am sure there others that going through this same issue. I am subject to damages because credit bureau or the lender is not reporting accurate information 's on my account and I feel its against the law and current Cares act also direct accurate reporting which is not in this case. 

My Nissan auto loan is not in deferred status due to COVID 19 and I have been making payments on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX should report this as of this inaccurate reporting my credit suffer as well my business. I was told by XXXX so many times that they don't investigate they just let the lender make updates, that's unusual and never heard of before pandemic. Clearly they denied to accept documentation I send from Nissan and fairly report this issue. MY ACCOUNT IS NOT IN DEFERRED STATUS AND I HAVE MADE PAYMENTS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND THIS PAYMENTS NEED TO BE REPORTED IMMEDIATELY
Product: Debt collection

called again after told not to and send all matters by mailing to address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I received a call from Enhanced Recovery Company, informing me I have a collections balance of {$630.00} from an original creditor XXXXXXXX XXXX XXXXXXXX I notified them I never had any accounts with such a company and I have no outstanding balances. They were no help to me in resolving this issue. Upon checking my credit report immediately after this phone call, I saw that this derogatory remark was indeed on my report. It showed that this Account was open on XX/XX/XXXX. I did not open this account or request any services from this creditor. I do not know how they obtained any of my information and or added any balances to my credit report. Please help me remove this fraudulent account off my report as soon as possible because it is degrading my credit score and my financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!
Product: Credit card or prepaid card

I am appalled at your notification CFPB announced a {$35.00} XXXX fine for Citibank. In addition, it has ordered the bank to reimburse {$700.00} XXXX to consumers who were victims of deceptive marketing, unfair billing practices and deceptive collection practices. 
Citibank was also charged with over-billing consumers and extracting excessive fees from consumers in collections. '' Citibank sent me a check for {$50.00}. How do I know that this is a fair amount? 
Is there a class action suit against the bank because of their fraudulent practices? 
If there is, I would like to join. 

Thank you for your attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX