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

Escrow shortage notice was never issued. Reported my account late to the credit bureau over a partial payment.
Product: Debt collection

This company calls for a person by the name of XXXX XXXX, constantly day in and day out! 

They use a robocall phone calling system to make their phone calls with a number list it as, XXXX XXXX XXXX! 

They say to call this toll number to speak with them. 

I will not spend my money to call this number because I am not the person that they 're trying to reach. 

This company has a recipe on a continuous basis and will cease and desist doing so if they do not I 'll take legal action against them! 

This company has violated my rights to, peace and enjoyment!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing this report pursuant to Equifax security breach. I have checked with their to see if I have been affected and have been told yes. I want to formally file a complaint due to the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX : {$740.00}.
Product: Debt collection

I checked my XXXX account on Sunday, XX/XX/XXXX because I got an email that my credit score has dropped. 

My XXXX Credit Report stated that I had a new " Collection '' of {$6800.00} and a late payment for this collection. 

The collection was owed to Sequium Asset Solutions in XXXX, Georgia and originated with XXXX XXXX. 

The problem being that none of this is mine! The collection account isn't mine and the debt isn't mine. It doesn't seem like anything else has been compromised. 

As of Monday, XX/XX/XXXX I have filed a police report with the PA State Police, reference number " XXXX '' and called XXXX. XXXX put a " fraud '' on the account and is disputing the account. 

I called Sequium on the XXXX as well and they are looking into it. They gave me the account number and told me that the account was created back in XXXX of XXXX, and is connected to an address in Ohio. I live in PA! 

I just tried to log back in to my XXXX but can't for some reason. I'll try again tomorrow, I hope they are just experiencing some tech issues on their end.
Product: Debt collection

I noticed I have a Collection account on my credit report from TransWorld System for XXXX. It was open on XXXX I never opened an account with Transworld System or XXXX whom is the Orginal creditor. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to immediate resolution. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to address two critical issues related to my account Despite multiple previous attempts to address the delayed opening of my account, the issue remains unresolved. 
Additionally, I have also been seeking assistance in the removal of a charge-off from my account. Despite my multiple attempts, the charge-off continues to affect my financial standing. 

I understand that these matters can be complex, but the extended delay in account activation and the persistence of the charge-off are causing significant distress and inconvenience. 


Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the charge-off and take the necessary steps for its immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I understand the complexities associated with these matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to correct these late open account and removal of charge off in my credit file : XXXX XXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/2020 Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. 
Please update it immediately. 
XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit card or prepaid card

I received 2 different cards that state they are debit cards from US Bank Reliacard.

The papers with one references Ohio Unemployment. The papers with the other card references Colorado Unemployment. 

I have never been a resident of either state and I have never worked in either state. 
I did not request unemployment or any bank cards. 

I believe that both may have been issued fraudulently. 

I contacted the card issuer and they told me that they are cancelling the cards. 
They did confirm that they are both cards for collecting unemployment benefits. 

I told the representative that I believe that both were issued fraudulently, but they said that all they can do is just cancel them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Payday loan, title loan, or personal loan

Financed a XXXX XXXX back on XX/XX/XXXX with a monthly payment of {$540.00}. I was informed the monthly payment that was divided into bi-weekly payments will help lower the interest rate of 22.99 % if paid on time and be able to pay off early. Initially the car purchase was {$15000.00} and the total amount financed was {$20000.00}. I've paid a total of {$19000.00} to date and still have a remaining of {$16000.00} ; which is incorrect. The early payoff option available is {$12000.00}. I've paid more than 90 % of the financed amount and should be given the option to pay {$920.00} to pay off the loan in full. I was informed misinformation and the account was set up with payments to reduce the length of the loan.
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I am unaware of them, and the company acted without my permission.
Product: Credit reporting or other personal consumer reports

I dispute the so called alleged accounts, and they came back verified. I notice an inaccuracy right way, I got the letter in the mail today and these XXXX collection accounts are showing as open account. As a collection account they should not be reporting as an OPEN ACCOUNT. XXXX XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent student loans reporting in my credit report  XXXX    XXXX   XXXX   XXXX    acct  XXXX  the item masquerading as a account reported on my credit report on approximate ly 2 wee ks ago and i never had these fraudulent loans on my trannsunion report i have all of my transunion reports and i have never had a   XXXX   XXXX   XXXX    posted to my transunion not to mention they are posted from a fraudulent address  XXXX    XXXX   XXXX    XXXX  ga this address does not exist. i have been a victim of identity theft and transunion gas my valid police report and identity theft affidavit along with a ftc report. By law and fcra and fact act they have to remove unverified and fraudulent items i am prepares to seek litigation if they do not remove these fraudulent items at once not too mention i am prepared to put transunion in commerce and bill them  XXXX  dollars a day for having items masquerading as accounts
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed there are Multiple accounts in my name that I did not authorize Someone stole my identity and was arrested for it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed errors on my credit report regarding two accounts XXXX XXXX and XXXX XXXX XXXX. These two accounts were settled at a negotiated amount agreed by the creditors. Payments were submitted as per their schedule and I have proof of payments made to both creditors. Unfortunately I was not happy with the balance still showing on these two accounts so I submitted the dispute to all 3 credit bureaus. Results came back and " account information was verified '' without making the balance corrections. 
Not pleased on XX/XX/XXXX and XX/XX/XXXX of XXXX I re submitted disputes and results came back with the same " account information was verified '' Please help me correct this errors, there should be no balance reflected on this accounts since they were paid/settled. There are no remarks that the accounts were settled for less than the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from XXXX XXXX stating their investigation determined the account was indeed fraud and they would send a letter to me and to all XXXX credit bureaus stating this account needs to be removed from my reports as it is fraud. XXXX XXXX confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit. 

On XXXX, I called Equifax at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/, never properly investigating initially clearly, leaving the date verified space blank. Equifax advised me to call XXXX even though Equifax confirmed they had the letter from XXXX in my file to remove the account?! And didnt?! Equifax inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit. 

On XXXX I called the Account Protection Team at XXXX XXXXXXXX XXXX at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to Equifax and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but XXXX to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus. 
I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!
Product: Credit card or prepaid card

I had an active Victoria Secret account ( with a store credit card ) that my wife was using to purchase goods at their store, until recently. She always made her payments on time, and at her local Victoria Secret store in the XXXX area or via phone. However, strangely, we received invoices of this credit card ( two previous times as well ) some kind of late fees on the account even though the balances were always paid in full, or at least well above the minimum required payment. Yet, after explaining to them why they erroneously charged us the last XXXX times ( where they helped reverse the fees, but ONLY if we agreed to keep the line open ) they did it AGAIN just about 2 weeks ago. After several attempts to try to deal with the " late fees '', and trying to reach their customer service, they have infuriated me beyond belief. I am a terminally ill XXXX patient and I have no money nor time to keep going after them for their mistakes and, what feels like, financial abuse. They kept charging the late fees on a fully - or almost ENTIRELY - paid credit card, alleging that we incurred some kind of separate fees of {$2.00} ( on my statements ) and that they would then proceed to charge late fees of an additional $ XX/XX/33 as well because of these unbeknownst and aforementioned separate fees of {$2.00} - whatever they were. I am sick and tired of the back and forth and want an immediate resolution.
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 ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help
Product: Credit card

Bread Financial which offers the Bread Cashback Card through XXXX XXXX has a payment system that does not accurately inform the consumer when automatic payments will process. 

When enrolling for automatic payments, it takes between XXXX and two billing cycles for the system to start taking payments as configured by the consumer.

Communication from Breads team and website say that you ( consumer ) should make a manual payment for each of these months unless the pending payments page states that a payment is scheduled.

Unfortunately, the pending payments page has never been accurate for automatic payments, not displaying anything until after the fact. This week, when I process a manually initiate a payment for the balance due, there was no pending payments outlined for auto pay. This has resulted in an overdraft of my checking account to which Bread says they are not willing to help assist to remedy.

I feel this is poor business practice because their technology does not offer the proper information to accurately manage an account.
Product: Debt collection

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : Validation of the debt that is the actual accounting. 
Verification of their claim against you : that is, a signed Invoice. 
A copy of the contract binding between you and me in a letter by certified mail. 
Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
Equal consideration because you as the creditor brought nothing of value to the table. 
Lawful Terms and Conditions. 
Wet ink signatures between you and me. 
15 USC 1692a- 5 ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have worked with transunion several times and had the same information removed. I pay my bills on time and there were no late payments. all inquiries were for the same purpose ( but they refused to count them as a single record. Ihave no negative marks on my report and my oldest account on tu WAS from 1997 which was removed recently so it looks as if my credit history is shorter than it actually is. when I apply for a loan tu will intentionally lower my score. This has gone on for years and when I call in to dispute items on my report I am told they only have to follow their rules. this is not my first complaint to be filed with you. I recently asked tu to remove late payment information they claim was reported to them by XXXX XXXX /XXXX, an inaccuracy they reinstated only after I started looking into mortgage loans. 

I would like to have all inaccurate information removed from both my credit report and my credit file. 
I would like some protection against TU reinstating this information again. 
I would like to have a clearly defined timeline that states what is considered to be a new account for example ( 0-12 months ) and what is considered to be a short credit history for example ( 1-10 years ) short ( 10-15 years ) intermediate ) and so on. 
I would also like outcomes listed of any credit inquiry so it shows if an offer was made and if not why not. 
I would like it to be a requirement for anyone who pulls a credit report to furnish a copy of the report they pulled including the report number to the consumer and not tell them they ca n't do n't or wo n't because it is not their policy. 
I would also like fines imposed if a consumer can prove the any information that was previously removed has been reinstated.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact, a victim of this data breach and Trans Union has done nothing. Please help me delete these illegal accounts from my credit 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 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 XXXXXX/XX/XXXX I WAS A Victim of the XXXX data breach. I want these items Deleted from my credit report.
Product: Credit card

A Capital One credit card was sent to me at an old address. My family member still lives there and told me about it. I was confused because I had recently been denied a credit card through capital one, and the fact that it was sent to an address I hadnt used in years was odd. I tried activating it right now and wasnt able to. The website was telling me I had an account and the forgot username/password had a phone number that isnt mine. The phone number shown also wasnt a family members. Ive never made an account for capital one.
Product: Debt collection

Revco Sol says I owe {$200.00} from XX/XX/2019. This charge was removed from my credit report from XXXX and XXXX credit bureaus as this does not belong to me. I am unaware of this charge.
Product: Credit reporting or other personal consumer reports

Looking at my 3 credit reports, they all show different and inaccurate information about an account. The account is XXXX XXXX XXXX XXXX, Equifax shows this account as NOT negative, closed, paid as agreed and last activity XX/XX/XXXX. 

XXXX shows this account as transferred to another lender, was paying as agreed and last activity XX/XX/XXXX. 

XXXX shows this account with XXXX different statuses... XXXX late payments but XXXX  months of late payments are displayed on the calendar, paid off, closed, transferred to another lender and last activity XX/XX/XXXX.
Product: Mortgage

In a federal disaster relief area and asked if mortgage can be deferred and added to end of loan. They say only special forbearance and all has to be paid at end of 90 days. What help is that?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry Date of inquiry XXXXXX/XX/XXXX