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

XXXX is reporting my account closed on XX/XX/XXXX, where as this account was to fall off the report this XXXX. 

I have another document showing the original close out date on XX/XX/XXXX Equifax did this as well on my accounts. 

XXXX, to date is still keeping the original closure date of the account. 

This is complete FRAUD and a SCAM to me. These actions are directly hurting my ability to find a home to live and is constantly creating a breach of my peace. I have been dealing with this issue of False Reporting for years with XXXX Bank. 

I want these three accounts removed off the credit report. They are legally at the timeframe to fall off the report and changing the dates of original closure is against the federal law. 

These actions of removal need to happen immediately, or I will be forced to litigate against each company participating in the FRAUD related to the accounts in question.
Product: Credit card

I received an email from Discover stating " We 're writing to let you know that your XXXX Pay purchase on XXXX XXXX, 2015 for {$1200.00} at XXXX XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion... if you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. '' My purchase did not contain a gift card, and no one where did Discover 's Terms and Conditions disclose Discover would ask for documentation of what was purchased. This puts an unnecessary and unreasonable burden on me as a consumer to provide proof against an accusation Discover is making while having zero grounds for making said accusation. What would happen if I did not keep my receipts from more than 3 weeks ago? Should I be keeping my receipts for all of my purchases made with my Discover card? It would be nice to know beforehand and not after the fact. To summarize, Discover is not abiding by their Terms and Conditions by making unfounded accusation and placing the unjustified burden on the consumer. I 'm extremely disappointed with Discover 's lack of integrity and transparency. I have a strong relationship with, and have never encountered such issues with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.
Product: Mortgage

I have applied for mortgage assistance with Wells Fargo several times over the past few year and they keep denying me saying that theirs not a 10 % change in payment if they modify it. Well of coarse their not going to be one because they are comparing a 30 year fixed payment to an I.O payment that they have me on that goes up every year. I filed a appeal in XXXX and XXXX because they were using the wrong payment to calculate my denial and when I proved through XXXX they just said well he would n't have qualified anyway. They denied me again this for the same reason but I found out that theirs a XXXX guideline that requires them to use the fully amortized rate not the I.O on I.O ARM LOANS and now their saying that it does n't apply to me because my loan is not a ARM but my loan goes up every year. They have manipulated these guidelines for years for years for their benefit. One year they even reported that my home had been foreclosed on and was a XXXX and I had people contacting me and disturbing my family. Please give me some teeth behind this fight!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I filled out an online credit application with the car dealer, after they reviewed my credit I decided not to continue. On XX/XX/20 they contacted me again to see if I may still be interested in a car, in the conversations via text messages there was no authorization to run my credit or that I wanted to continue with a credit application. They ran my credit without my knowledge of it being done, and this time it was 6 total Inquiries that included other credit companies. I contact the dealer and I have not received a call back from management.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that is incorrect is reporting on my credit report XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that i had some inquiries that I didn't authorize
Product: Credit reporting

When I try to open an account with XXXX XXXX at XXXX, XXXX XXXX XXXX, CA XXXX, they run the credit report ( ChexSystems ) and the credit report history come out with XXXX unpaid/account abuses. I never banking with those XXXX banks and called them to find out what is going on. Both of banks said I did n't banking with them before and do n't even an account with them. Also I run another XXXX credit reports separately but none of them had same or any unpaid records. I think this Chex Systems report is wrong and want to corrected. Please help me out on this case. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. MABT/CONTFIN is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX  requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today I got another threatening letter from UDC, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) telling me I owe money. I don't owe them any money because its 's a scam. I received a second letter the same day I received the threataning letter from UDC, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) and they want to give me a loan for almost the exact amount of money I owe the other company. Please, stop UDC, LLC from sending threatening letters to people that don't owe them money. Also, shut down XXXX to keep them from pretending to save people from fake debt by giving them real debt. A scam like this can easily ruin the life of someone that can least afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX service Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXf XXXX Account XXXX XXXX XXXX XXXX of XXXX Account XXXX XXXX XXXX XXXX of XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX i reported that I had some bank accounts, credit cards and different spelling of my name and lots of crazy addresses and phones number that was not mine, ( note that was in XXXX, On XX/XX/XXXX i once again ask for a copy of my credit report and THERE WAS THE SAME FALSE AND FRUADENT ACCOUNTS and addresses, phone numbers Still on my report, I have placed freezes on my account to stop thefts from stealing my info and using it Again, Well ONCE AGAIN I order my credit reports XX/XX/XXXX AND ONCE AGAIN THOSE SAME ADDRESSES AND PHONE NUMBERS a are still on each of my reports As of FCRA 605B ( 15 U.S.C.1681c-2 ) ( 15 U.S.C.1681 ) ( 15U.S.C.1692G ) apply to the negative actions that are now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX those or Not Mine accounts nor are those credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I keep unenrolling from electronic statements ; however, their systems reenroll me in electronic statements. I've contacted customer service for the card multiple times. I really want to use ebill through my bank and to do that I can't use estatements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on my credit file page 11 of 14 dated XX/XX/2019 under Personal information XXXX XXXX in which I have never used that name for any type orf credit or anything else of that matter. Experian needs to show proof of documents of any credit applied for in that name.
Product: Debt collection

Repeatedly asked One Main Financial to not contact me at work- most recent request XX/XX/2021 - and I told them they can contact me on my cell phone or via email. I have asked them repeatedly to remove the phone number and not contact me here, and told them they are violating FCRA by repeatedly contacting me at this phone number, and to stop calling me at work. I told them they contact me in writing or on my cell phone.
Product: Debt collection

I have disputed the information and dates relating to a XXXX collections account on my report from XXXX XXXX XXXX and despite showing them previous credit reports that XXXX illegally re-aged my account, they verified it as accurate. My current credit report shows that a XXXX collections was opened on XXXX XXXX, however, I have a credit report from XXXX XXXX that shows XXXX was in collections from XXXX and charged off in XXXX XXXX so they have re-aged the account and should be removed for illegal practices.
Product: Credit card

I have a Slate ( Chase ) credit card and paid off a previous balance of {$220.00} on XXXX. This is confirmed by my bank ( XXXX ). Despite this, Chase, in a statement date of XXXX, over two weeks later, listed the previous balance as due on the current bill. Is Chase doing this nationwide as a way to solicit " cash advances '' from cardholders? If this is not illegal, it should be. I have been unable to resolve this despite three emails to this company, one to XXXX XXXX, chairman, XXXX XXXX XXXX, CEO, Slate Card services and XXXX XXXX, CEO, consumer banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, 2022, to remove these 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 remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According
Product: Mortgage

They say I owe XXXX. I do n't They credit my account wrong.They put my payments in my escrow AND DIDNT CREDIT TO MY PRINCIPAL.i PAID RECENTLY TOTAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX XXXX Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXXXXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX XXXXXXXX account shows discrepancies across all three credit bureaus ( XXXX, XXXX, and Equifax ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Equifax and XXXX ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. Violations of Federal L
aws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute. 
2. Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports. 
Last Day of Activity : Reported inconsistently between credit bureaus. 
Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks. 
Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time.

Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to Equifax.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from Equifax. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card, and was approved back in XXXX. My card and pin were supposed to get to me 10-15 days after. Both in separate envelopes. I did not receive either of them. I sent a message, and they asked for my address again. I gave them my address again, and they said they would resend it. So I waited AGAIN another 10-15 days. I have been sending messages to find out where my card is, and I just keep getting the run around. After waiting more than one month for my card, one of the messages that I got back stated that it could take up to 30 days to get my card. That is not what is advertised, or what was said to me in my previous responses. This is poor customer service, not to mention that they have not offered any type of solution. I applied for the card because I needed it.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX for a XXXX it was a XXXX gift so the item wasnt able to be used until XXXX XXXX. The item never worked when we tried to crank it up and found out the chain latch was broken on it. I tried reaching out to the seller and they never responded or tried to repair it. I reached out to Amex and wad was never contacted me even though I reach out to speak to the person who was handling my claim to be able to send them a video of the item. They denied my claim saying merchant provided proof the item was under warranty until XXXX XXXX but what hood is a warranty of the merchant refused my calls or didnt honor the warranty
Product: Credit card or prepaid card

On Sunday, XX/XX/2021 I went to the ATM of the fifth third branch at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM kept my card and then displayed " This ATM is temporarily out of service ''. 
I went to branch XXXX minutes after it opened the next day to retrieve my card. I was he only person sitting in waiting area to be serviced and now came. I noticed a technician entered the building to repair the ATM ( He announced he was the technician based on the conversation with a teller ). At that point I stood in line, since no one assisted me for the past XXXX minutes while sitting down. Waited another XXXX minutes when there were XXXX tellers and XXXX customer. Finally a teller by the name of XXXX asked how she could help. I gave her my drivers license I.D . and informed her that their ATM kept my card yesterday and I was here to retrieve it. She asked " was it a fifth third card? ' I said " no but I've used this card at fifth third ATM 's for the past 8 years with no problem. '' She said " I cut it up. '' I responded " WHY DID YOU DO THAT? '' She said " if it's not a fifth third card, we cut them up because we have no way of identifying who's it is. '' That action reminded me why I closed all my accounts at that bank 20 years ago. On the surface they look good but they are still doing things the same way as years ago. They could have looked at my identification or even called the company to verify my identity. They did not want to. You don't destroy a card ( anything for that matter ) that does not belong to you. Then she had the nerve to suggest me to contact the card maker, as if I didn't have enough since to do that. 
If fifth third was the last bank on planet XXXX, I would not use their so called services. 
Whatever type of resolution or retribution is available ... ... .I want it!
Product: Credit reporting or other personal consumer reports

This is my multiple compliants Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXX/XX/XXXXXXXX Balance Owed : {$840.00}
Product: Debt collection

I sent letters, also I sent police report, I called on XX/XX/XXXX XXXX, and the account was deleted / removed on XX/XX/XXXX also XXXX the account was deleted/ removed. In results of identity theft, the account wasnt mind, I have updated reports with item removed. I also contacted XXXX  XX/XX/XXXX, I received and update XX/XX/XXXX account remains
Product: Credit reporting or other personal consumer reports

I really need to get my credit reports mailed to me by each credit bureau. I tried calling to get them without and luck. My license is attached to give identity that I am serious in getting these reports from each agency.
Product: Credit card

Citibank issued me a credit card that I did n't request and I have never had a banking relationship with Citibank or Citigroup. They said they purchased my information from XXXX. I have only had a credit card with XXXX through Costco. I have not been a Costco member since XX/XX/2015 at which time my association with XXXX ended.