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

This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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 an account without my written instructions. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print 50-60 pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked Transunion to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.
Product: Credit reporting or other personal consumer reports

I have continued to dispute this collections on all 3 bureaus ( XXXX, XXXX XXXX XXXX ). I havent had this car in years & this company is reporting the last delinquency as XX/XX/24. Ive asked this company for any documents they have with my signature on them & they have yet to provide anything. Lastly this collection is past the statute of limitations for GA, it has been on my credit for over 8 years.
Product: Debt collection

Simons Agency has been contacting me everyday - sometimes 3 times a day - for the past year from several telephone numbers beginning with the area codes of ( XXXX ) and ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Leaving several voicemail and automated messages within the past month. A letter was sent months ago to contact them regarding a medical bill from 2010 that was passed NJ Statute of Limitations of 4 years. ( Sale of goods under the UCC : 4-years, ( N.J.S.A. 12A ; 2-725 ) ).
Product: Credit card or prepaid card

I received a statement in the mail for my XXXX XXXX XXXX XXXX credit card payment of {$210.00} due XX/XX/XXXX. I mailed a check with the payment stub to the supplied address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Please see attached carbon copy picture. 

I then received a statement in the mail stating I still owed the balance of {$210.00} along with a late payment fee. I called XX/XX/XXXX and spoke to a representative. They stated they had not received the check and eventually disconnected the call. I did not hear back from them. However, XX/XX/XXXX the check was cashed and cleared my bank account. Please see attached bank statement screen shot. 

I have now received another statement due XX/XX/XXXX for the misapplied " late payment '' charge and interest of {$36.00} total. 

My initial payment was not late. I mailed the check well before the in mail deadline and plenty of days ahead of the payment date to be received, processed, and applied. It seems XXXX misplaced my check and then was able to find it and apply the funds XX/XX/XXXX after I called XX/XX/XXXX to complain. 

I do not owe a late charge or any interest of my promptly mailed check payment. The incorrect {$36.00} balance owed needs to be removed from my account immediately.
Product: Credit card or prepaid card

Each month as I call to make a payment to pay off the entire balance shown on my monthly statement, I want to schedule the payment on the due date and the computer tells me that " due to state law I can only schedule the payment to be taken out of my checking account either several days before the due date or a day after the due date which would then be a late payment and I would be charged a late payment fee. '' My card is a " citi visa card used at Costco. I also use a XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX and a XXXX XXXX XXXX as well as a regular XXXX  XXXX XXXX and none of them ever require a several day in advance of the due date without penalty to schedule a payment. This policy seems unique to the Costco Citi Bank Visa and means they have the use of the funds several days in advance of the due date and saying it could be scheduled after the due date obviously generates a late payment fee for them. I am not aware of any Michigan State Law that says you can't schedule a full payment on the actual due date and would appreciate your help in clarifying this.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>XXXX  on my PayPal account under the email XXXX, I purchased an item from XXXX XXXX XXXX XXXX for a total of {$960.00} using a Pay in 4 Plan. When the item arrived I noticed that parts were missing so I promptly contacted XXXXXXXX XXXX XXXX XXXX and they provided me a return label to return the items on XX/XX/year>. I've sent the item back on XX/XX/XXXX and on XX/XX/XXXX the items were delivered back to the seller who confirmed they received the items in an email I have attached below. Despite this confirmation by the seller that they were negligent in refunding me and after weeks I contacted PayPal to dispute the seller. 

After providing PayPal with all the information in the dispute, including communications, tracking number and more, the case was closed in the sellers favor after almost 2 months of waiting. The reason for the closure in the sellers favor was that I provided tracking info that couldn't be validated but l used the shipping label that the seller themselves gave me and they also confirmed the receiving the item. I've attached proof below that the seller is the one who sent me the shipping label. The tracking number for the return label is XXXX. So not only does the seller have the item, they are keeping my money hostage and will not return it. I've contacted the shipping company directly and they have confirmed to me as well that the item was delivered to the correct address on the shipping label, that was giving to me by the merchant. I've attached written proof from XXXX themselves showing this. 

After speaking with multiple customer service representatives on the phone using PayPals support number, they recognized that the case shouldve been closed in my favor but reopened the case under a different case type. The case was closed again. I once again spoke to customer service who changed it to the correct case type and it was closed again within minutes to sellers favor because I waited over 30 days. I submitted this case XX/XX/XXXX which is less than 30 days since the item was delivered to me. 

So again to clarify I provided the following to PayPal Proof that the seller confirmed they received the item Proof that the seller is the one who provided the shipping label for return The actual shipping label itself given to me by the seller via email Proof of delivery by XXXX showing it was delivered to the seller Multiple communications with the seller stating that they will refund me but they never have This is clearly fraudulent business practices on both the seller 's part as well as PayPal 's. This is a case of neither party- the seller or PayPal- abiding by their own refund and protections as listed on their respective websites. This needs to be fixed and I need my money back for the item I returned.
Product: Credit reporting or other personal consumer reports

i recenetly reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i need you to verify as accurate XXXX XXXX XXXX ACCT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violations of FCRA and Failure to Update Credit Report I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and their failure to update my credit report accurately. Despite my efforts to address the issue with Experian directly, they have neglected to respond and correct the errors on my credit report. On XX/XX/2024 I submitted a dispute letter to Experian requesting the removal of inquiries on my credit report made by XXXX. These inquiries were erroneous and have caused significant financial hardship for me by limiting my access to lending opportunities. Experian has failed to honor my rights under the FCRA and neglected to respond to my initial dispute letter, despite providing all necessary documentation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and ensure that Experian complies with the laws outlined in the FCRA. It is crucial that Experian updates my credit report to accurately reflect the removal of the unauthorized XXXX inquiries. XXXX informed me that their client illegally utilized my social security number, resulting in these unauthorized inquiries. 

Furthermore, I have noticed discrepancies in the account balances reported by Experian, which do not reflect the accurate balances. I request that Experian updates my account information accordingly to provide an accurate representation of my financial standing. This is my second complaint against Experian, as they previously failed to respond to my request to remove an account that was illegally claiming a debt. XXXX formally admitted that their client had improperly used my social security number, yet no action has been taken to rectify this issue. Therefore, I am requesting that Experian conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. These false inquiries are damaging to my credit history and could have further implications on my financial well-being. I am hopeful to avoid legal action in this case with Experian and trust that they will rectify these issues promptly. 
Attached to this letter are the prior correspondents submitted by XXXX, indicating their request to Experian to remove the inquiries. Despite this, the inquiries remain on my credit report after 30 days. I urge the CFPB to intervene in this matter and ensure that Experian takes the necessary steps to update my credit report accurately and in accordance with the FCRA. This situation is deeply concerning as it not only violates my rights to privacy but also constitutes fraudulent activity. I have never provided my social security number to XXXX or their client, and I have no business or financial relationship with them. If Experian 's negligence continues, I will have no choice but to pursue legal actions to seek damages available under the law.
Product: Money transfer, virtual currency, or money service

Coinbase.com is requiring me to update some account information on their coinbase.com/ssn screen in order to do anything but miniscule sells in my account. Unfortunately, their system does not recognize my address as a valid address even though it is a valid address of a major apartment complex in a major city in the XXXX. 

I have tried to contact them numerous times since XXXX XXXX with no success. I 've tried via e-mail and via twitter ( both public and direct message to their account ). 

They do not respond, ever. I have seen many others have similar complaints. I fear this is part of a fraud or scam intended to make me give up on selling from my account until they have some excuse to confiscate my funds and use them for themselves.
Product: Credit reporting

XX/XX/XXXX, the credit reporting agency Transunion, from what I have been advised, experienced a glitch in their system in which some credit inquiries fell off of reports. Around this same time I noticed some of my credit inquiries were removed from my report. Shortly thereafter, I heard of this glitch but did not make the connection that my credit report may have been impacted. I was under the impression at the time that these inquiries had run their course and fell off after the allotted timeframe until I checked my report a few weeks later and the same inquiries were added back. From what I also understand, the inquiries should not have been added back without advising me of the glitch and that the inquiries were being added back. I never received any written notices of these inquiries being added back to my report from Transunion and would like these inquiries permanently removed from my report due to Transunion 's lack of oversight in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ** Formal Complaint Regarding Inaccurate Reporting by Experian XXXX XXXX Charge-Off To Whom It May Concern, I am filing this formal complaint concerning the inaccurate reporting of a XXXX XXXX charge-off account on my credit report with Experian. This account has already been deleted from my XXXX credit report after a successful investigation, yet it remains on my Experian file. 

Here are the details of the account : - **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX Number : ** XXXX - **Status on XXXX : ** Deleted as of XX/XX/year> ( see attached documentation ) I respectfully request that this same account be deleted from my Experian credit report as well. Since XXXX has already confirmed that the account is inaccurate, I am asking for Experian to follow suit and remove this account promptly to ensure the accuracy of my credit file. 

Please confirm receipt of this complaint and notify me of the actions taken within the legally required time frame. I trust that the Consumer Financial Protection Bureau will ensure this matter is resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. 

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

I have a collection on my credit report that I. Have nothing to do with
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report.

On [ Date ], I sent a letter to Experian notifying them of the reinsertion of ( XXXX XXXX account number XXXX ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Mortgage

My house sustained flood damage as a result of XXXX XXXX. I received an insurance check in the amount of XXXX. The check issued was a XXXX party check made out to myself and my insurance company. I called my mortgage company 's Loss Draft department and was told to send them the check as well as a copy of the damage report. I did so and XXXX 'ed both on XX/XX/2021. They state that they mailed out the endorsed check to me on XX/XX/2021 and I never received it. I contacted them asking for a tracking number and this multi-million dollar company told me they just slapped a stamp on the sucker and hoped for the best. No tracking, no confirmation it was even sent, nothing. I asked how they could do that and the rude woman on the phone told me they'd do that even if it was a XXXX check and said if i wanted better I should have pre-paid for a XXXX label. This option was NEVER given to me. If it was, I would have taken it in a heartbeat. Instead, I am being forced to go back to the insurance company, request a new check, draft a letter stating I never got the the check, mail it all to them again and hope that history doesn't repeat itself. I asked to speak to a supervisor but was instead transfered to a voicemail box. I never received a response. I emailed twice, no response. I love how a mortgage company could lose your payment check with no repercussions, but if they lost mine I would be hit with late fees and interest from day one.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT MONITORING FAMILY PLAN AND PREMIER/COMPLETE IS IS RESTRICTING ONLINE ACCESS TO MY OLD MEMEBER SINCE 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this account is not mine, i have never had an XXXX  account also my address are wrong i only live in XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX- PLEASE HELP MY INFORMATION WAS STOLEN - ACCOUNT - XXXXXXXX XXXX - XXXX - NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection with this company over a month ago now. They assured me it would take at most 30 days for the collection account to be removed from my credit report. It is still showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my Experian.
Product: Credit card

We submitted a payment on XXXX XXXX, 2016 for {$300.00} and on XXXX XXXX, 2016 for another {$20.00} to Capital One for our credit card payment. We found out a few days later that the bank supposedly rejected our payment. We called our bank, because it looked like the money came out on our side. They said they submitted the payment and that it went through on our side. So they had us call Capital One and have them research it. They researched it and never found the payment. We were at a loss at what to do, because we were out {$320.00} total, and did n't want to have to pay again until our money was found. They never found it, so we conferenced in our bank with a credit card specialist with Capital One. They confirmed the payment was submitted and had cleared our bank. Then they said they would fix the account and it would be in good standing again with 24-48 business hours. After that time had passed, the account was still not fixed. We accrued interest and late fees, along with a credit report of being late. We called them again. They said they were still working on it, to give it a few more days. After a couple of weeks of this, we called and asked to speak to someone else. They called our bank as well with us conferenced in and confirmed the payment was submitted and had cleared our account. They said they were very sorry and would work on the issue and fix our account. By now the credit card account was closed and had accrued even more fees and interest charges. They assured us it would be fixed. We filed a complaint internally with Capital One and they said we could expect a call back after an investigation into the matter. The day after XXXX, 2016, they called us at XXXX stating how sorry they were and that the issue would be fixed immediately. They never fixed it. So we called again, on Tuesday, XXXX XXXX, 2016 and they said there were no notes on the account stating that the payment had gone through. They said we were lying, in essence. They ended up conceding and saying they would investigate it again. We have been waiting almost 2 months for this now and we have now had XXXX reports of the credit card being late and closed with a large balance of {$700.00}. If they had applied our payments that cleared our bank and was confirmed by our bank that it cleared, then the balance would be down to around {$280.00}. They also offered us a {$75.00} courtesy credit for our trouble and that was never applied either. Now they are claiming they never said or did any of this!!! We have spent hours and hours on the phone with them, fighting them on this. We do n't know what else to do. Our bank has confirmed twice now, with their representatives, that this payment has gone through and they have promised us that this would be fixed. It is ruining our credit and is causing a lot of issues. We need this dealt with immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote a letter to Transunion, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XXXX XXXX Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.