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

I have repeatedly made my payments on time with this company. The money has been available when I've set up auto payments. I've never even received a bill in mail or a phone call. The one late payment they actually returned my payment so i called to make the payment by phone and they still put a late payment on my account. I've started to double up the payments because the late pay they put on my report destroyed my credit score and it wasn't my fault. They refuse to remove the late pay. I've attempted to get it removed by disputing but still hasn'e been removed. Please help me to get the late pay removed from my report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, an I am submitting this comlaint myself to address the inaccuracies on my Credit Report. I am submitting this complaint to inform the Creidt bureaus that I was the victim of identity theft. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXXXXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$85.00} XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, EXPERIAN & XXXX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear 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 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 I recently received a copy of my TRANSUNIUON credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Checking or savings account

I have several bank accounts with Fifth Third Bank. The account that I use to pay my bills from went into overdraft when a client failed to pay for my services. There is overdraft protection for this account ending in XXXX linked to my XXXX checking account. That is the only overdraft protection account that I authorized. 

I am currently unemployed. The stress of that is more than enough. I do not qualify for unemployment as it was a contracted consulting job. As I have been getting money, I have been paying down the overdraft on the XXXX account. 

I had {$100.00} in my savings account. I went into my account to transfer money to one of my checking accounts and found that my money had been taken out of my account by the bank. That is all of the money that I have left. 

When I contacted the bank, they essentially told me that they could move money from my accounts without my authorization. I know that is incorrect. Taking without permission is theft - plain and simple. 

First they tried to say that I had set up overdraft protection using my Savings Account. In the entire 8 years that I have been banking with them have I linked overdraft protection to my Savings account. When I pushed for them to provide documentation showing that I authorized overdraft protection to be linked to my bank account, I was told that they do not have access to such documents. 

Then the representative came back and said that I was correct. Overdraft protection was only linked to my Checking Account ending in XXXX. How can he tell me this when moments before he claimed that he had no access to such documentation? 

I requested for my money to be returned to my Savings account. He told me that they would not return the money to my account because they moved it into the account that has a negative balance. 

How can anybody besides me authorize activity on my bank account? If that is the case, anybody can just go in and manipulate my account at will. I have enough sense to know that this is not legal. 

Another practice with Fifth Third is charging overdraft fees if an assessed maintenance fee overdrafts an account. How can they do this? This is an option offered by their bank. How can they charge overdraft charges on maintenance fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Re : Request for Deletion Due to Experian Failure to Respond within XXXX Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX Dear Experian I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX ], has failed to respond to the dispute. 

As per the law, since the creditor has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions. 

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

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

Too many companies, which I dont have account with.
Product: Credit reporting or other personal consumer reports

This is not my account, my personal information was breached and I was a victim of ID theft. 

I reached out to XXXXXXXX XXXX and they investigated the situation and informed me that that account was fraudulent and provided me with a letter informing that they were deleting this account from my credit profile. Please see attached document. 


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

Westlake Financial has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! XXXX and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for four years now, can anyone just do their job?
Product: Debt collection

Upon a detailed examination of my recent credit report, I identified several accounts that appear to be inaccurate and were included without my knowledge.
Product: Debt collection

Caine & Weiner Company Inc never contacted me in regard to a debt that allegedly owe them. I have never heard of the company, only saw it come up on my credit report. I do not know where this debt came from and dont appreciate them just putting something on my credit report with no acknowledgment to the consumer.
Product: Debt collection

I belive my information was linked in the data breach. I've been receiving emails about loans etc.
Product: Debt collection

received several notice from Midland Credit Management company regarding a debt that they claimed I owe. I have not received any evidence of this debt nor did I received answers to determine if this debt is actually mine. I requested that they verify the debt and provide a wet signature of this debt and stated that they are clearing in violation of the FDCPA and the lady on the phone basically laughed at me and hung up the phone.
Product: Credit reporting

After dispute with credit report agency gave me no initial explanation to why I could not view my credit report online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a first time home buyer and was excited to find an amazing house. In the pre-approval process, I was informed of a tax lien on my Equifax credit report. In disbelief, I called the XXXX XXXX XXXX XXXX to confirm this lien. I was informed that no lien was found under my name. Further investigation showed the tax lien belonged to my father, who has a similar name. In pursuit of removing this lein from my report, as of XX/XX/2017, I filed a dispute with Equifax. On XX/XX/2017, Equifax " completed '' the dispute. The confirmation letter sent to me read : " We have reviewed the lien information. Case or ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX The results are : This item has been deleted from the credit file. ". After 30 days, the tax lien still shows up on my credit report under the public records section. I have contacted Equifax customer support many times in the past weeks expressing my concerns, they have been extremely stubborn and tell me that I will have to file another dispute and therefore wait another 30 days. At this point in my contract, I do not have another 30 days to dispute this information. The lien should have been properly taken off during the first dispute process.
Product: Credit card

Using a Bank of America credit card, I purchased services to be provided over a 12-month period from XXXX on XX/XX/year> for {$3900.00} as documented in an Enrollment Form. XXXX added an " integration fee '' of {$300.00} and a " carrier registration fee '' of {$50.00}, bringing the total to {$4000.00} and invoiced and charged my credit card for {$4200.00} which included sales tax of {$240.00}. As I live in Delaware which has no sales tax, I asked that the amount of sales tax be refunded which XXXX stated it could not be refunded as a separate transaction but instead they would charge my credit card the correct amount of {$4000.00} and then refund the improper {$4200.00} in a separate transaction. The refund was not forthcoming despite my several requests to XXXX. On XX/XX/XXXX, I brought the dispute to the attention of Bank of America and then followed-up with numerous phone calls with BofA explaining the situation and providing documents, receiving form letters stating the matter was being investigating, and then rejecting the claim with a form nonsensical letter, only to begin the process again. Now BofA has taken no action and claims we are beyond the " statute of limitations '' for righting a wrong. In the interim has delivered no services and conceded XXXX can not provide the services promised due to staff turnover and failure to complete software integrations XXXX claimed it had. At this point, I am out {$8500.00} and have wasted much time.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with your bureau 's failure to address my disputes regarding inquiries on my credit report. These inquiries, which I have formally disputed, have already been reviewed and deleted by the other major credit bureaus after determining they were invalid. Despite this, Equifax has not taken the necessary steps to remove them, leaving me feeling disregarded and unheard. It is unacceptable that your bureau has yet to act on these disputes, even after providing all required documentation to substantiate my claims. This inaction not only reflects poorly on Equifax 's commitment to accurate and fair credit reporting but also undermines my efforts to maintain a clean and accurate credit profile. 

The lack of consistency and responsiveness from Equifax in addressing this matter is both frustrating and disheartening. As a consumer, I expect the same level of diligence and fairness from all credit reporting agencies. Your failure to mirror the actions of the other bureaus demonstrates a lack of accountability and respect for your obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX reported to EXPERIAN that I had a high utilization it dropped my score. My score was a XXXX the innaccurate report dropped my score XXXX points. I clearly paid off the balance to 0 $ and it still dropped my score I got an alert from experian stating that I had high utilization when the balance is again {$0.00} and dropping my score. This needs to be updated and corrected placing those lost points back on. Thanks
Product: Credit card or prepaid card

Direct Express has not provisionally credited my account under regulation e for a dispute that I filed on XX/XX/XXXX. I spoke to a customer service rep and the supervisor in the supervisors stated that the provisionary credit will be on the account on XX/XX/XXXX under regulation e. I will begin discrimination claim and financial discrimination claim as the dispute Department from Direct Express will be the third party defendants acting in a discriminatory manner. Direct Express has treated me in a discriminatory manner by not providing good customer service hanging up not fully disclosing my terms and conditions and not honoring my terms and conditions I haven't been fully disclosed on my terms and conditions under Regulation Z.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my credit report for Equifax on XX/XX/XXXX like I do every Friday. This is the first time this has ever showed up on my credit report and it said it has been opened since 2016. I have no idea what this bank is, never got anything in the mail from them, never seen this before. I called and gave them my SSN and they have nothing for me under it. They just slapped a random card on my report and called it a day. Im trying to buy a house I cant have a credit card with 101 % usage on my credit report. This is a violation of the FCRA.
Product: Credit card

Today I was one the phone with a Mortgage Broker to get pre-approved for a home loan. My credit score was lower than expected and she said advised that this was due to a Kohls Capital One Credit Card taken out in my name, immediately maxed out, and never paid. This apparently happened in 2017. I have never shopped at Kohls nor I have ever had a store credit card. For the last 5 years this was dinged my credit score each month and i had no idea. How do we resolve this situation and repair my credit card ASAP. This is not fair and something that needs to be fixed. 

Thank you, XXXX XXXX. 
XXXX XXXX
Product: Student loan

FirstmarkXXXX  does not process loan payments correctly. I pay a small amount on the loan each day, to pay off the daily interest and some of the principal. I pay the amount at the same time in the morning of every day. 

The company does not process the payments in the same way every day. Sometimes I am charged random interest, on top of the daily interest. 

When the loan was owned by XXXX XXXX I did the exact same payment plan- never had a problem. 

This has been happening since 2020. I can not get the company to remedy the situation, and I am owed XXXX of dollars in interest that Ive been incorrectly charged and paid.
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I found incorrect accounts on my credit report this morning, and Im completely in the dark as to why. I do my regular credit checks, and out of nowhere, these mistakes popped up. I even refreshed my browser thinking it might just be a glitch, but the errors didnt go away. I really need the documents I sent to be carefully reviewed so I can finally put this stress behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$630.00} XXXX  XXXX {$2600.00} XXXX   XXXX  XXXX $ XXXX XXXX XXXX  XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX. Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XXXX XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to XXXX during the transition period. XXXX XXXX XXXX already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked XXXX to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. XXXX agreed and supposed to fix their claim against late payment from our side. Apparently XXXX did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my equifax credit report. 

*Incorrect payments *account date inaccurate * account remains open, Not Open. 

Company name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

CAP ONE NA used my credit XXXX separate times dates including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These inquiries are not mine and I request them to be removed from my credit report.