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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) shows 90 days late XXXX shows 120 Days late ( XX/XX/XXXX ) both and reporting inaccurately XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX these inaccuracies in reporting are violating my rights.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting an account information incorrectly on my credit report.
Product: Debt collection

I have informed this company several times this is NOT my debt I have not been to XXXX XXXX Hospital and have GREAT insurance that covers all my cost. THIS IS NOT MINE
Product: Credit card

~5 months ago was started being denied the use of my earned points on vender sites. When I tried logging in to the Chase CC site to check the status of my account and points to see what the issue might be, I kept getting errors. So I called their help line and after sometime on the phone with frontline support my issue was " escalated '' to get the problem resolved. I was told I would be called within 5 business days. 3 months later I called and asked what was going on. I was told by frontline support that there was no ticket open. So a new ticket was created and I was told I would be called back in 5 business days. Sometime after 5 business days I called them again and was told nothing had been done on the issue but they would escalate the ticket. I was transferred to someone who was escalation who was supposed to solve my issue. He said he would escalate it to someone else and I would be called back. After a few days I talked to this same " escalation '' guy and he said there hasn't been a solution yet but he would escalated it and someone would call me within 3 business days. I asked to be transferred to a supervisor and he said he was a supervisor and refused to hand me to anyone else or transfer me to the new " escalation '' team. It's now 2 weeks later and there is still no call back from them and I'm still unable to use my points or login to check the status of my account. I believe they are simply giving me the runaround and nobody is actually working on my 5 month old problem. This essentially denies me access to the points that they agree that I've earned and have a right to use.
Product: Credit reporting or other personal consumer reports

CFPB HAS NOT INVESTIGATED ANY OF MY COMPLAINTS ON THEM LETTING THE THREE BUREAUS GET AWAY WITH HARMFUL BAD BUSINESS PRACTICES FOR ALONG TIME. THIS NEEDS TO BE ADDRESSED ASAP. I FILED A COMPLAINT ON CFPB TO FTC ALREADY, AND WILL FILE ANOTHER.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and fraudulent negative items on my credit report due to a data breach that compromised my personal information. These items are negatively affecting my credit and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates the accuracy, fairness, and privacy of consumer credit information.

Background of the Issue : 1. My personal data was exposed due to a data breach, which resulted in fraudulent activity being reported on my credit report. 

2. I have disputed these inaccurate items with the credit bureaus ( Experian, XXXX, and XXXX ) and the reporting creditors, yet they remain on my report. 

3. I have already filed an Identity Theft Report with the FTC and provided all necessary documentation to the credit bureaus and creditors.

4. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable reinvestigation within 30 days and remove unverifiable or inaccurate information.

5. Under 15 U.S.C. 1681c-2, identity theft victims have the right to block fraudulent information from appearing on their credit reports. 

Here is the FTC case number : XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove from my credit file
Product: Checking or savings account

SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote a dispute to Experian to investigate and remove several accounts on my credit report. There has been no mention of these accounts on any response from Experian, which means no investigation has been done and the accounts remain on my credit. Im really frustrated that my dispute hasnt been properly investigated. I sent it on XX/XX/XXXX. It's now XXXX of XXXX and still not a peep from Experian. I submitted all the required information, but nothing was done. Experian is violating my rights under the FCRA. This is disappointing, and Im requesting that the accounts in question be removed from my report right away. Id appreciate it if you could take another look and resolve this as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 ( MONTHS REPORTING LATE ) 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 XXXX days before the payment due date. 

( CREDITOR NAME ) 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 or other personal consumer reports

My account with 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 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 XXXXXXXX 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 or other personal consumer reports

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Product: Credit reporting

all XXXX credit reporting agency, XXXX, Trans Union , & XXXX is reporting unauthorized inquries on my report and duplicates. disputed with companies and no response or validation
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all 3 bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

As far as I know, the only credit bureau that has updated my name is XXXX and they made it easy! XXXX 's website doesn't work half the time so I don't know what name they have on my report. It appears from trying to access my information on XXXX, all they want is {$25.00} a month! 

My complaint right now is only with Equifax since they have caused me to be denied credit simply because of my name! They just appear to refuse to update my name to what's on my valid, current social security card and driver 's license. Help please!
Product: Debt collection

In XXXX a vehicle was financed by Redemption auto with offices operating in XXXX and XXXX Louisiana. Terms of the interest to be paid were very high, but in desperate need of a vehicle and was lead to believe that a few on time payments would decrease the monthly payment amount. But the vehicle needed several repairs leading to the car being repossed and surrendered in XXXX of XXXX. Then, In XXXX the Company hired attorneys to collect the unpaid balance on the account which at the time was about {$9000.00}. Prior to the suit being filed there was no notification in any form that legal action was taking place until I was served documents stating that I was being held accountable to pay the balance by means of wage garnishments of 25 % per paycheck. The garnishments lead to tensions of the job with the company pressing me to clear the matter. So in XXXX of XXXX I began to file for bankruptcy after paying around {$3500.00} towards the balance in XXXX. After being discharged from the bankruptcy I heard no more from the attorneys XXXX XXXX XXXX. I switched jobs in XXXX of XXXX and tried to reach out to redemption finanacial to settle the matter but no replies or answering of the phone. In XXXX of XXXX I received letter from Attorney XXXX XXXX located in XXXX XXXX La about suing and seeking wage garnishment to pay the balance of the loan from XXXX in excess of {$20000.00} being owed due to daily interest being applied. I called and reached out to the attorney and offered a lump sum of {$3000.00} and asked to interest to be relived and credit from previous payments to be considered and settle the debt. He refused and hung up in my face without no resolution. Again I reached out and explained the financial situation I was in would not allow me to pay over {$20000.00} due to owing federal back taxes and that I have two garnishments already with child support and state tax levy on my wages and any other attempts would put my job at jeopardy with the new company. Again Mr XXXX refused and have not answered and Futher calls. In closing the Orginal loan was misleading And predatory as well as the attempts to collect on the balance and the nature of pursuing wage garnishments jeopardizing my livelihood and support of my family. I would like to file complaints on both XXXX XXXX and XXXX XXXX law firm in efforts to alert others of the practices which is very unfair and have the businesses update and evaluate debt collection practices
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my XXXX XXXX which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris Bank.
Product: Debt collection

Hello CFPB, I have a collection for XXXX from XXXX. 

I am not aware of the original transaction date, just that the collection was placed back in XXXX where I noticed it in XXXX. I have never used XXXX and have been using XXXX XXXX   plan for the last 3 years. To more make my case I know it's not mine, is I have never received a email, physical mail, call, or any other means to make contact with me directly about a charge. 

On my XXXX  credit report. I have attempted to dispute with them, where they think it is accurate per my letter received. I have tried to contact XXXX  multiple times, however they do not answer. Nor is the website working correctly where I can not get in online to verify the so called information reviewed, or reach them by phone. 

I have had experience in mishandling before with disputes not actually being investigated. Last one I had was when I was a teenager, where XXXX  XXXX XXXX determined one as  accurate. Even though it did not even have my name in the original charge.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Payday loan, title loan, or personal loan

I received a letter from my bank, dated XX/XX/2021, that indicates that my personal line of credit, with a limit of {$7000.00}, will be closed on XX/XX/2021. The letter states that this closure is final. In order to avoid losing a significant portion of my available credit, I called the bank on XX/XX/2021, to request that a portion of the credit limit for the personal line be reallocated to a credit card I hold with the same bank. I was informed that, since the personal line is not a consumer credit card, it is not eligible for reallocation. Consequently, I have no way to reduce the ramifications of this compulsory account closure on my credit rating.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privayc.

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