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

Equifax is reporting a Collection account # XXXX. I have requested to have this account delete as there is no way to verify this account as the credit is not listed and it's been over 30 days since the requested was placed. 

This is incomplete file and erroneous information affect my credit profile. Also, I was victim of Equifax data breach and my information was exposed to the public. I'm not familiar with this account.
Product: Credit card

XXXX XXXX, bk of amer, XXXX  is XXXX  account in may credit is no is my.
Product: Credit reporting

TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.
Product: Checking or savings account

On XX/XX/2021, I opened an account with XXXX and deposited 3 checks, totaling {$1400.00}. 

My decision to open an account with XXXX was made after ending my relationship with my former bank, XXXX. Considering that I had 3 checks to deposit, I selected XXXX as a convenient, online way in which to achieve this. 

The details of each check deposit are as follows : {$1.00} ( check number XXXX ) ; final disbursement of funds from my XXXX account closure {$890.00} ( check number XXXX ) ; payroll check from my employer {$550.00} ( check number XXXX ) ; settlement from at-fault partys insurance company following a vehicle collision. 

I received email notifications that the checks were approved, but my pending account balance did not reflect the deposits I had made. 

On the evening of XX/XX/XXXX, I received an ominous message to explain that a hold had been placed on the funds related to one of the deposits ( the {$1.00} check from XXXX XXXX while XXXX processed my check. As per the attachments below, the message stated that the full amount ( presumably {$1.00} XXXX would be available within five business days. 

I did not receive similar messages that indicated a hold was to be placed on the other two checks. 

On XX/XX/2021, while attempting to check the progress of my deposits, I found myself unable to log into my account online. 

Upon calling XXXX support team, I was told that my account had been closed for business reasons, and that I would receive a check for the balance of my deposits, along with a letter to confirm the accounts closure, in the mail. 

When I attempted to expand on the reasoning behind the accounts closure and request more information regarding the status and location of my money, the representative refused to give me an explanation. 

Upon asking whether the representative/institution could send an email to explain the situation, the representative declined to do so, and did not provide a reason for the banks inability or unwillingness to do this, despite my multiple requests for such during the call. 

I am now in a position where the entire balance of my account is held at the mercy of XXXX unexplained processes and actions, and I fear that my funds have the potential to be subject to theft by this institution.
Product: Debt collection

I have no knowledge of this company penn credit also I XXXX gave permission for my acct to be sold r information given out at all
Product: Mortgage

In XXXX of 2024 I fell ill and missed a lot of work due to XXXX  in the hospital. I called Mr. Cooper to request a forbearance as I knew I was not going to be able to pay my XXXX payment. I was told that I would be set up on a 6 month forbearance. In XXXX ( after no contact from Mr. Cooper ), I started getting calls to collect the XXXX payment. Mid XXXX, when I was finally able to speak to an agent, I was told that my loan had to be delinquent in order to get a forbearance. This makes absolutely no sense to me! I escalated the call, and was told, again, that they would place me on the forbearance. In XXXX, I still have not received a forbearance letter and am getting calls to collect a mortgage payment that I can not afford. I called them back and escalated the call again. At this point, they are now telling me that I must be 60 past due to receive a forbearance. How in the world is this supposed to help when I am struggling to even pay for my necessities? Once again, the calls are escalated with no outcome. I work for a mortgage company ( in Loss Mitigation ) and am fully aware that I only needed to be due for the XXXX payment to be placed on a forbearance. We are now in XXXX, and I am still not on a forbearance AND my credit has dropped by almost XXXX XXXX. I am extremely angry about this situation and no one seems to be able to help. I am desparely asking to place me in forbearance and correct my credit reporting. I can not even get financing for medical treatments that are now needed due to all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of my most recent complaint about unfair credit reporting, both Experian and XXXX have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.
Product: Credit card

I am writing to formally file a complaint against Bank of America regarding an unresolved issue with a credit card account that has persisted for approximately XXXX year ago. 

I opened a credit card account with Bank of America, which I subsequently paid off in full and ceased using years ago. However, despite having settled the account, I began receiving charges on the account approximately XXXX  year ago. I promptly disputed these charges with Bank of America, yet the disputes have not been satisfactorily resolved. 

Despite my continuous efforts to resolve this matter, including multiple phone calls and written disputes, I continue to receive bills for this account. I have made payments on these charges solely to avoid any negative impact on my credit rating. It is worth noting that I do not possess the physical credit card associated with this account. 

Furthermore, I have encountered significant difficulties in reaching a live person through Bank of America 's customer service. The quality of customer service has been extremely poor, and the process of attempting to resolve this issue has been frustrating and time-consuming. 

I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I request that Bank of America cease all further charges to this account, investigate the legitimacy of the charges already billed, and ensure that my credit rating is not adversely affected by this ongoing issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue swiftly and justly
Product: Debt collection

Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I  repeatedly disputed this claim several times which was originally through a debt collector named  XXXX   XXXX  system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my  XXXX  balance proof to  XXXX   XXXX   XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.
Product: Checking or savings account

In XX/XX/ I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and while I was gone XXXX was fraudulently stolen from my account when I get out of XXXX my account is locked I was homeless I was kicked out on the street without any family or anything to do and I didn't have a way to get an identity I finally got my ID and to find out that the money was not there so I disputed it the Bank of America told me that it was me that did it and that I can send documents stating I was in the custody of the XXXX XXXX XXXXXXXX XXXX so I went to three or four different courthouses and then I finally got through to the sheriff 's administration office in XXXX in XXXX XXXX county and they gave me a cover letter and I got a judgment from the time I was sentenced and I was in custody when all this happened I just want my money back and they denied me and then they revised it and they told me on the XXXX which is today I would have the money back or they didn't say I'd have the money back they said they would be done with investigation which they are not I've been calling them every day all day and they can never tell me nothing I just would like my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was traveling around the XXXX and I was using a credit card from XXXX bank which is an online bank based on the App on my XXXX which was great because it was not rejecting my transactions while I was traveling. Then I updated my payment bank option to make sure my payment is going through for min balance which is only {$40.00} but when I came back I found out the app didnt update my account with my new bank account number and payment was rejected and I called XXXX bank and manually updated my bank account and made a full payment {$5000.00} to creak my balance and they waved the fee because of that error but then their system reported me over my limits after I made full payment and After they reported me, all credit bureaus decreased my credit score and I contact XXXX and told them to fix this and contact transunion and file a dispute to get an updated balance which is {$0.00} with my XXXX bank Now XXXX used this credit score drop as an excuse and lowered my credit line from {$5500.00} to {$1000.00} and they are not even going to fix the damaged they made to my credit score but use it against my XXXX account and decreased my credit limit
Product: Credit reporting or other personal consumer reports

According to FCRA Law 650b, it is illegal to report information on my credit without my permission.
Product: Debt collection

I checked my credit reports and noticed an account for XXXX XXXX for XXXX XXXX. I never received notice of this debt to settle before it reported to my credit and my husband, XXXX XXXX, credit. We were XXXX for some time after he lost his job. My husband, our kids and myself currently reside with his parents and have saved up {$1300.00} to settle.
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 XXXX XXXX. 

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 yelow 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 ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported on the report by XXXX and my information was shared with a third party more than 4 times with out my consent or authorization it is a violation of privacy and it violates my right to fair credit report XXXX XXXX XXXX XXXX that I know nothing about inquiries that I don't know anything about i didn't give permission for anything to be shared with any other companies at all they never asked me my consent collections I know nothing about I really would like to be compensated for it and for it to be corrected if possible thanks
Product: Debt collection

i received an alert on my credit report for a debt collection of  XXXX  for " City of  XXXX  '' I live in   XXXX     XXXX   and have  zero b usiness with the City of  XXXX  or Delaware. This is the firs tim hearing about this and I have  zero kn owledge of this debt and why its being reported to my credit bureaus. i dont owe for this and it is a mistake
Product: Debt collection

I had a debt that as that has turned into a time-barred debt. The collector XXXX XXXX  XXXX I believe has broken the law and has garnisheed my wages on a debt 10 years old.
Product: Credit reporting or other personal consumer reports

I was alerted that I had two credit inquiries on my credit report. An individual made an attempt to open two credit cards in my name. 
Capital One XXXX XXXX XXXXXXXX I called both companies to have them reject the credit card applications that were submitted. I know the inquiries impact my credit score so I'm trying to get them removed and the perpetrators caught. 
Thank XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries that have been made on my ChexSystems consumer report. I have reviewed my report and found inquiries that I did not authorize or initiate. These unauthorized inquiries are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also pose a potential risk to my personal information and financial security. 

I demand that ChexSystems : 1. Conduct a thorough investigation into these unauthorized inquiries.

2. Remove all unauthorized inquiries from my consumer report.

3. Provide a written response detailing the actions taken to resolve this issue.

To assist with your investigation, I am providing the following details : ChexSystems Consumer Report : Please note that I have not provided consent to the entities listed above to access my consumer report, nor have I initiated any actions that would justify these inquiries. Therefore, these entries are inaccurate and must be removed immediately.

Under the FCRA, you are obligated to ensure that my consumer report is accurate and reflects only authorized inquiries. I expect your prompt attention to this matter and resolution within the legally mandated time frame of XXXX days. 

I also reserve the right to pursue further legal action if these inaccuracies are not addressed adequately and in a timely manner. 

Thank you for your immediate attention to this matter. I look forward to receiving a response.
Product: Credit card

I opened this credit card when I was XXXX XXXX XXXX to cover an emergency vet procedure. I had the card for about XXXX years, using it exclusively for vet visits, and made the minimum payment each month since that was all I could afford. It wasnt until XXXX that I began closely reviewing my bill and noticed something concerning : despite making consistent payments, my balance hadnt decreased at all. 

When I reviewed my statement from XX/XX/XXXX, I discovered a {$57.00} " Card Security '' charge. I immediately contacted Care Credit to inquire about this fee, as I had never knowingly signed up for such a service and requested an immediate refund. Afterward, I began reviewing older statements and found that Care Credit had been charging me for a " Card Security Fee '' every monthwithout my knowledge or consent. 

I contacted Care Credit over the phone and asked them to provide all of my statements since I opened the card. They declined, saying they could only send a portion of the statements. However, through a live chat, I was able to ask when the first " XXXX XXXX XXXX '' was applied to my account, and they confirmed that it began on XX/XX/XXXX. I have a screenshot of this interaction. 

From the paper statements I do have, it's clear that the " XXXX XXXX '' charge appeared every month, varying depending on the balance. For example : On XX/XX/XXXX, I was charged {$3.00}. 
By XX/XX/XXXX, the charge had increased to {$19.00}. 
On XX/XX/XXXX, the fee was {$28.00}. 
On XX/XX/XXXX, it dropped to {$16.00}. 
On XX/XX/XXXX it rose again to {$22.00} By XX/XX/XXXX, it rose again to {$29.00}. 
On XX/XX/XXXX, I was charged {$57.00}. 
Finally, by XX/XX/XXXX, the fee was {$57.00}. 

Over time, the " Card Security Fee '' grew from being barely noticeable to exceeding my minimum payment. This prompted me to call and request a full refund for all past charges. I argued that my balance would have been paid off long ago if I hadn't been charged this interest-based security fee for nearly a decade.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION 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 My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 

Two-Year Payment History : ( XXXX ) NO HISTORY REPORTING FOR TRANSUNION XXXX : XXXX XXXX XXXX : ( 2 ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( 2 ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
TransUnion : NO HISTORY REPORTING FOR TRANSUNION I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$0.00} TransUnion : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} XXXX : {$200.00} TransUnion : {$200.00}