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

Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : 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: Debt collection

Enhanced Recovery Company , LLC sent a dunning notice dated XX/XX/2021 addressed to me. The notice stated that I owe them an alleged debt of {$270.00} for Account # XXXX. Enhanced Recovery Company , LLC sent the notice to an address where I do not reside. This account is identity theft, I filed a FTC report with the consumer reporting agencies when XXXX XXXX XXXX sold the alleged debt to XXXX, XXXX debt collection agency, their account number for this alleged debt was Account number # XXXX for {$270.00} ( notice both account numbers are different for each debt collection agency ). XXXX terminated collection efforts due to identity theft. I find it strange that Enhanced Recovery Company LLC is collecting XXXX cent more than XXXX, please be know it is against federal law for a debt collection agency to add fees on to a debt balance. Also in order for a debt to be a in fact a debt there must be a transaction involved, I have no relationship with Enhanced Recovery Company LLC so there is no voluntary transaction, I am also not contractually included in the business transaction between Enhanced Recovery Company , LLC and XXXX XXXX XXXX. And from reading my consumer report XXXX XXXX XXXX has charged off this alleged debt which means the alleged debt is not collectable, therefore there is no longer a transaction. If Enhanced Recovery Company , LLC decides to pursue to place this alleged debt that resulted from identity theft on my consumer report, let it be known that I sent Enhanced Recovery Company , LLC a Notice of Dispute ; Demand for Validation and Proof of Claim letter detailing the documentary evidence I will need to validate this alleged debt pursuant to federal law, if I don't receive such documentary evidence in XXXX days your claims of me owing you {$270.00} will be invalid and dismissed.
Product: Mortgage

I got my load mod and I have made XXXX installments for the trial period. They have a sale date on XX/XX/2016. The lady that is handleing the case said that if I made my payment by the end of the month so I can get the money to made the payment for the trial period. I talked a other person and they said that we need to make the last payment before XX/XX/2016. how can we get a XXXX in one week. I just made the XXXX payment of XXXX and that take all the money at i had. can you help in stopping they for the sale date. we have gotting the notice of sale..
Product: Debt collection

I am writing regarding a bill that I received from a debt collection agency for {$290.00}. The bill pertains to a security system service that I received from XXXX XXXX XXXX XXXX XXXX. However, I am bringing to your attention that I had notified the company of my intention to cancel the service in XX/XX/2023. 
In XX/XX/2023, I contacted XXXX and was informed by their representative to take down the security equipment. The representative also told me that our service was disconnected. After giving notice of our intention to cancel service in XXXX, the representative never emailed us a cancellation request. Despite this, we received a bill from XXXX a month later for the security system service. We contacted XXXX again in XX/XX/2023 and were told we were still connected and needed to pay. In XX/XX/2023, XXXX finally sent an email to complete a cancellation request after requesting to cancel service for months. We sent the cancellation request via emailed to XXXX  the same day, and the representative confirmed they received the request. 
As you can see, we took all necessary steps to cancel the service, and we are unsure why we we being charged for a service we no longer have. It's my understanding the phone calls with XXXX customer service were recorded for quality assurance. We would appreciate it if you could investigate this matter and let us know the outcome as soon as possible. 
Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asking a general question of TransUnion Credit Reporting as to why the credit score they gave me was 100 points lower than my XXXX score. In turn, TransUnion deleted 3 accounts that also deleted my longest credit history. I did not ask for these 3 reports to be deleted. I called their contact number and was transferred to their Fraud Department. TransUnion made these deletions. I know this because my XXXX report shows the 3 reports gone & TransUnion sent me an email of my dispute results. I only wanted a simple question asked and they deleted information I did not grant them to do. I am really upset that my oldest credit card of 47+ years is gone and now my oldest credit account information is 28 years. 
The confirmation # for my file is - Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried relentlessly to get an error taken off my credit report. Macy 's American Express will not cooperate with me. I told them I wasn't able to log in to my account so I was unaware of the {$2.00} finance charge that was assessed. I paid my card off in XXXX and had a lingering {$2.00} interest charge on my account. They never robo called me to make me aware of the balance. When speaking to customer service they told me they don't call customers for balances owed that are that low. They sent notification to the 3 credit bureaus that I was 60 days late. I've asked them to remove the delinquency and they keep telling me the investigation is closed. I have proof of my attempted log ins back in XXXX and XXXX. I keep telling them I was unable to retrieve my monthly statement. Unfortunately they keep telling me that the investigation is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against Equifax for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
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 # : XXXX has violated my rights. 

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 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

First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.
Product: Credit reporting 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 the 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 3 CREDIT BUREAUS, they are willfully 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 XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00}
Product: Credit card or prepaid card

I've been paying {$100.00} each month on my capital one credit card but it doesn't affect my balance. My balance continues to rise even though I keep paying on time, so I'm not making any progress toward paying of this credit card. I'm fighting a losing battle ; I've tried to negotiate with them, but it hasn't done any good.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To : Trans Union XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I received a copy of my Trans Union credit report XXXX and noticed various INACCURATE late payments for three accounts. Therefore, the following accounts must be deleted immediately : 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 XXXXXXXX ) First, the term accurate as per the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. Therefore, these late payments are a defamation of my character are therefore INACCURATE and Trans Union is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. The law states that : transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report? Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have sustained defamation of my character, anxiety, stress, and loss of opportunities due to this information and I am demanding you delete the accounts referenced above from my consumer report, immediately because Trans Union is in violation of the FCRA or 15 USC 1681. 


You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report. please remove these accounts from my report, they are hurting my ability to to obtain credit,
Product: Credit card

On XX/XX/year>, me and my husband went to a XXXX 's fragrance department in XXXX XXXX XXXX at XXXX XXXX. A lady named XXXX approached us to help with finding a fragrance. Once ready to purchase she said if I applied for a credit card I could received discount. I told her I did not want to apply for a credit card as I already had one as an authorized user through my husband 's account. She proceeded to verify the account online since I did not have the physical card with me. She told me that my account was inactive and that I would need to apply for a new once to become activated. I told her I am the only one who uses the card I knew it was active and not expired as I use it all the time. She said only my husband 's account was active but in order to get discount I would need to activate my card. I told her my card is the only one already used and active. She insisted and assured it was a new credit card. I told her 3 times I did not want a new card and to make sure i was not applying for a new credit card. She insisted it was not a new card and proceed to enter driver license and social security. At the end the screen showed " Credit Card application '' I told her this is not a new card? She said no, you are only activating your current card. After the process, the screen showed that I just applied for a new credit card and with a credit amount of {$800.00}. I told her very very upset that I did not wanted a credit card and that she had assured me it was. And she insisted it was okay and there is nothing she could do as it would already go to my credit report. I immediately asked her to speak to her supervisor. The supervisor call Macys Credit Department who only told me that the only thing I could do is close the account. The supervisor gave me coupons to apologize and XXXX said she was apologizing only for my mistake for misunderstanding her. I told them that I did not want this card or inquiry to be on my credit nor affect my report as I did not wish to apply for it and was only manipulated/tricked into applying for it by XXXX. I proceeded to call Fraud Department who said that they will investigate. I also called Macys Credit Card Department and told them this accoutn needs to be closed and removed from my credit. They gave me a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit report that still shows XXXX on it was suppose to be deleted from all tree credit reports was deleted from XX/XX/XXXX and XXXX XX/XX/XXXX
Product: Credit card

I am submitting this complaint regarding Citibanks unfair and unreasonable actions related to my credit card accounts. 

In XX/XX/XXXX, Citibank closed all of my credit card accounts without providing any justifiable reason. As a result, I lost all associated benefits, including cash rewards and points rewards. Additionally, after the closure, it became significantly more difficult for me to repay my remaining balance because many functions in the Citibank app were restricted. 

Despite these obstacles, I paid off my entire outstanding balance on XX/XX/XXXX. However, on XX/XX/XXXX, I received a payment reminder stating that I owed an additional {$110.00}. Upon reviewing the charges, I discovered that Citibank continued to apply late fees that compounded over time, even though my accounts had been closed and fully paid off. 

Issues with Citibanks Actions : Unjustifiable account closure Citibank closed all my credit card accounts without any explanation, causing financial inconvenience and loss of rewards. 

Restricted payment access The apps functionalities were disabled after closure, making it unnecessarily difficult to repay my remaining balance. 

Unwarranted fees on a closed account Citibank continued charging late payment fees despite my account being fully paid off and no longer active.
Product: Debt collection

I got a little behind on bill. Just bought a house with my wife, and are dealing with credit card debt. Will be paying in the next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that BANK OF AMERICA have placed an inquiry on my XXXX credit file dated XX/XX/2021 and XX/XX/2021. On multiple occasions I request BANK OF AMERICA and XXXX to verify these inquiries. They have yet to do so.
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 XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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

Commercial Acceptance Company Refused to offer any written information past collections letters. No written verification or written agreements, stating that company policy is only verbal agreements and information. This happened on XX/XX/XXXX around XXXX. Verbal promises were made for expungement but unwilling to send anything through writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 letter to TransUnion on XX/XX/XXXXto validate the accounts listed in my letter. They have not done so and the 30 days is up. This has to be immediately deleted from my credit report per the FCRA 15 U.S.C. 1681i, because they could not verify the accounts. The accounts listed were : XXXX XXXX XXXX XXXX XXXX openedXXXX Account # XXXX, XXXX XXXX XXXX openedXX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX opened:XX/XX/XXXX Account # XXXX XXXX XXXX XXXX openedXX/XX/XXXX Account # XXXX, and XXXX XXXX XXXX opened XXXX/XXXX/XXXX Account # XXXX. All accounts were unverified and need to be removed.
Product: Debt collection

On XXXX XXXX, XXXX, I contacted Creditors Bureau Associates regarding an account that had been improperly placed on my personal credit profile. During this conversation, I was assured that the account would be removed. Additionally, XXXX XXXX provided a written statement confirming that the accounts would be removed from my credit report within 30-45 days. 

However, in XXXX XXXX, I discovered that the account was still on my credit profile. After being denied a bank loan to expand my business due to these negative entries, I contacted the agency again in XXXX XXXX. They claimed to have updated the XXXXr system to remove the fraudulent information. Despite these assurances, the items remained on my credit profile. 

In XXXX XXXX, I spoke again with XXXX XXXX XXXX who once more reassured me that all negative items had been deleted. However, I was subsequently denied an apartment due to these same negative reports attributed to XXXX XXXX and Creditors Bureau Associates. 

Despite repeated promises, these issues have not been resolved, and the account continues to appear on my credit profile. Furthermore, XXXX XXXX, Creditors Bureau Associates, and XXXX ( last name unknown ) of XXXX XXXX have acted improperly by : Falsely representing their actions, claiming they removed the fraudulent items when they did not. 

Failing to provide any evidence or explanation for how they obtained my personal information. 

Threatening to ruin my credit, which I perceive as an attempt to intimidate me. 

I have attempted to have a productive conversation with XXXX and her associates at XXXX XXXX, but they have been unwilling or unable to explain why they placed this account on my credit profile. Importantly, I have never signed a contract or agreed to any terms with XXXX XXXX or its representatives. There is no legal basis for this debt to be assigned to me personally. 

Their actions amount to fraud and misrepresentation, causing significant harm to my creditworthiness and financial reputation. 

Resolution Requested : I request that the CFPB take action to : Investigate Creditors Bureau Associates and XXXX XXXX for their improper and potentially illegal reporting practices. 

Ensure that all fraudulent and inaccurate information is immediately removed from my credit profile. 

Hold these parties accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter..
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


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

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


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


Update the late payments from my consumer reports