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

Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding an account listed on my credit report, as XXXX XXXX, advising that the account was not mine and I do not recall having opened this account. I initially reached out to the creditor for information and have been ignored several times for documents. I then submitted a dispute with Experian sometime in XX/XX/XXXX. I received a notice stating the account was verified as mine. I sent a letter last month, XX/XX/2018, requesting for the information that was obtained from the creditor that proved the debt was in fact mine. I explained to Experian that the creditor had ignored my requests for physical proof and because of that, additional research needed to be done to show prove this validation by the bureau. I asked for the name of the person spoken to that validated the debt, date and time debt was verified, and account number, balanced owed and proof of any payments. I was sent another notice stating this was already addressed and further investigation would not be done. 
The creditor doesn't have a stellar reputation in my state and is already ignoring my requests for physical documentation. In this case, the bureau needs to actually investigate the authenticity of the account and not ignore my requests. It is my right as a consumer to obtain this physical and contractual proof if requested. Please help
Product: Credit reporting

I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report.
Product: Credit reporting or other personal consumer reports

I have Parent Plus Loans that have been taken off of all of my credit reports and should be off of all credit reports but for some reason Transunion continues to show them on my report which is causing damage to my credit and has kept me from being able to receive loans to improve my life and help me reestablish the Agribusinesses and everything else I lost after being XXXX in severe accident. I spoke with them on the phone and was told to give a month or 2 at the most. When nothing happened I filed 2 more Complaints through XXXX XXXX but Transunion is still showing them as open and outstanding instead of showing them as closed and paid like the other Credit Bureaus. This is causing a lot of harm to me on a personal level and keeping me from being able to improve my life since being XXXX and being able to leave the Assisted Living Facility I was in for almost 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I  feel I being Discriminated against because I am XXXX XXXX.
Product: Mortgage

I submitted a Loan modification. I have been going back and forth for months. They bank asked me for updated bank statements weeks ago which was sent on XX/XX/31. Today they advised that they want business bank statements. This is the first time they asked for business bank statements which I do not have and I told them this verbally. Now they are stating it is within 37 days of my sale date and they will not review my file. This is beyond unfair the way these servicing companies treat customers in default. They find ways around reviewing files with the 37 day rule. They request documents over and over again and once they have them they decide to add in an additional document that was never asked for in the past. If they needed business bank statements they could have asked months ago for it. Instead they waited until the file was finally complete and then they ask for the additional documents for the first time.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethese items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remov these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$2000.00} HWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Remove the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within XXXX  days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XX/XX/year>, XXXX  XX/XX/year>, and XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

In the wake of the devastation the State of Florida has experienced due to recent Hurricane Milton, the several tornadoes, floods, and other Hurricanes, FEMA and several banks and creditors are working with state and federal officials to provide information on disaster relief resources and information. 

Many creditors and banks are also extending courtesy to South Florida victims impacted by the Natural disasters by furloughing/waiving Credit card XXXX credit reporting and loan payments. 

Several areas in South Florida still currently have no electricity, no landlines, no running water and very limited cell service. 

Therefore, i am requesting that you stop reporting any delinquencies and late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please also waive any minimum payments due from XXXX for at least 90 days ; waive the minimum payment up to three billing cycles. 

Do not report it as a late payment. 

Prevent and waive any late fees. 

The reason why insurers are acting so fast on this is if you remember after Katrina hit XXXX XXXX and Hurricane Wilma hit Florida ( before mobile banking ) all of the credit card companies were cooperating with the exception of one issuer. 

The media caught wind of it when they said if you can't make the minimum payment, we'll just add the late fee to your existing balance. XXXX XXXX then retracted and retroactively refunded late fees in Hurricane affected areas.
Product: Credit card or prepaid card

On XXXX XXXX without any notice synchrony bank closed all of my 4 accounts before the closing my credit rating was XXXX FICO excellent payment history and credit utilization 9 % so there is not reason for them to harm my credit this way, this also can affect other creditors to do same because this would lover my score and would not approve any other new account that I will apply. I just bought a house this XXXX this new account confirm the income that I made I have a job no issues with my income, Syncrony bank is Affecting my personal financing and family all on this Pandemic and without a reason, I know that they are doing the same to many customers with good or excellent credit just for fear of the economic impact of this Pandemic this will affect any short, medium or longer project that I have in the future, I made Syncrony bank responsible for my credit damage and the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx XX/XX/2022 Capitol One reported a {$100.00} late payment that jeopardized not only my impeccable personal credit report but my perfect business credit too with XXXX especially. 

Today companies have automated calling systems to inform creditors a payment is coming due, approaching, whatever just in case a mailing error occurs or just for the sake of convenience. They could have called, texted or sent me an email. My entire balance was only {$190.00} which I did pay as soon as I realized it. Capitol One removed the late payment fee because I pay on time, never late and have such a low balance. But ruined my business credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX  XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of EDXXXX XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of ED/ XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX  {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of ED/ XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : CREDIT COLLECTION SERVICE Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXk 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In accordance with FCRA 605 B 15 USC1681 C-2
Product: Vehicle loan or lease

Company is responding with automated cookie-cutter responses ( see below ) with a demand to call. However, when calling, the Representatives pretend not to know why I am calling. This company was supposed to move my 3rd month payment to the end of my contract upon me calling per my dealership where vehicle was purchased. Suddenly late fees started showing up on my account in which I made over 10 calls trying to understand the reasons behind the late fees -- previously requested ; however, as you can see below this company is avoiding providing IN WRITING justification for the fees and has still yet to send in writing : 1 ) A ledger showing the dates and amounts of fees that now total more than {$160.00} 2 ) An UNKNOWN LATE FEE amount that was POSTED SEPARATELY on their ledge as PAST DUE but did not DETAIL for what which did not MATCH the regular payment amount plus was NOT included in the 'Late Fee ' total ( see previous complaint and screenshots below of the cookie-cutter responses from this company )! 
3 ) What other measures do I need to take to receive fair and Good Faith Effort information from this company? There are many many many complaints against Ally -- why are they still allowed to operate in the industry where they can DEMAND EXTRA MONEY WHEN THEY WANT WITHOUT EXPLAINING AND JUSTIFYING THE REASON FOR IT -- IN WRITING. This will and can not be resolved with a phone call. I would like written information DOCUMENTED regarding my concerns. I also want my credit report corrected to remove the false entries of LATE PAYMENT.
Product: Credit reporting or other personal consumer reports

Applications have been submitted under my name without my knowledge or permission, and I dont recognize these inquiries. These unauthorized requests have caused companies to pull my credit report, which has negatively affected my credit score. I contacted the bureau, and a representative assured me these inquiries would be removed, but they still appear on my report, causing me XXXX XXXX
Product: Debt collection

I was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax mortgage XXXX XXXX
Product: Checking or savings account

XXXX XXXX  XXXX  account ( checking and savings ) opened by our Mother at Chase Bank, with my sister and I designated as Joint Successor Trustees, in both the Trust documents and her will. The value of the cash assets, at the time of her death XX/XX/XXXX is in the neighborhood of some {$250000.00}. A couple of days before Mom 's death, I brought the Trust documents to my local Chase branch, and they were scanned into Chase 's system and uploaded to their Trust Department. The Trust Department said that Chase can not honor the Trust, and subsequently, Mom 's will with two Successor Trustees. The branch officer filed a complaint with Chase 's Escalated Complaint Department, who said that they can not override Chase policy, but that they could write one check to the Trust? How would that resolve this, when we don't have access to the Trust accounts? In the meantime, my sister found the Deceased Processing Department, which indicated that we should be able to sign signature cards to gain access to the accounts ; and I called Chase 's CEO, spoke to an assistant, who submitted an inquiry and gave me a case number. Trust paperwork, except the Chase Trust Certificate ( which was sprung on us today, and I have no idea what it is ) have been submitted numerous times, the Death Certificate submitted on XX/XX/XXXX. A Letter of Instruction was, today, overnighted to Chase Account XXXX in XXXX XXXX, instructing them to allow my sister and I to sign signature cards at our respective branches.
Product: Checking or savings account

I have Bank of America XXXX XXXX XXXX  - ending in XXXX. Today I wanted to close the account. Chat option is not working. Tried calling XXXX - all the bot which even hearing my breathe is thinking that i am making an option. Long wait to talk to a real human being.

Secured message center, one way communication. Only Bank of America can send the messages not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

my company sent over information the different state agency 's without my consent or my knowledge. I just learned about this by doing a Employment data report. There is also information that was sent over to XXXX XXXX XXXX without my consent as well. it also needs to be sent to Equifax. XXXX XXXX
Product: Vehicle loan or lease

Told them after $ XXXX of dollar being spent to fix this car its still not fixable and I was on reemployment assistance but was not receiving any income. Guy stated nothing they can do, so payment is messing up credit. He just wants to extend my payments but its higher now because they ended up repossessing my car and I had to use my savings to get the car just for it to become messed up again and its currently being fixed on once again. Tried to come to a agreement for reasonable price but they insist I pay {$8000.00} debt left in this time of hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax is reporting this account incorrectly. This account has been paid in full and should reflect so. Please update this account to paid in full as agreed.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Credit reporting or other personal consumer reports

CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, Experian and XXXXXXXX are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. Experian claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.