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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never agree to theses two companies to be on my credit report jpmcb card services and XXXX XXXX I'm trying to build my credit not tear it down
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX, I bought several items from XXXX, financed through TD Bank. My TD account was set up several years ago, with automatic payments deducted from my bank, and deductions/payments were made correctly. When I made purchases this year, I logged into my TD account to verify the autopay was set up to deduct from my preferred account. It was, so I thought all was well. 

In XX/XX/year>, I received a call from TD collections, saying that I was past due on my account. I responded that I couldnt be, because autopay was set up. She told me that since I hadnt used the account for a few years, that I needed to set it up again. I logged in to make the payment- which I felt was more than it should have been, and tried to set up the autopay, but the site said it was already set up. However, I found the number of charges was more than they should have been, as Id returned some purchases. I thought Id give it a bit more time for the proper credits to be applied to my account. 

In XX/XX/year>, I checked my XXXX account, and it showed that all returned items and been accepted and credited. 
In XX/XX/year>, when I checked my TD account, I couldnt tell if the proper credits had been made, and decided I needed to download all statements and compare with XXXX purchases, so I could be sure that all charges, credits and payments were correct. 

Early XX/XX/year>, I logged into my TD account so that I could download my statements for 2024, and found a new site needing a totally new login. ALL my history was gone! It showed no purchase history nor payment history, only a balance due, which didnt look correct to me. The site advised if you had problems with statements to contact customer care. I called, went through the automation, and was on the music hold for 35 minutes before I finally hung up. 

Late XX/XX/year>, I received another call from TD collections, saying that I was 31 days past due. I inquired about my auto-deductions, and she told me that I didnt have it set up. I explained that I did and inquired about their new website and about my account not being available to me. I also asked if she could transfer me to customer service as I had not been unable to get through when Id attempted earlier in the month. She said they would not talk to me because my payment was past due! I would need to make a payment and then try them again. She said she would deduct the {$50.00} late fee, but it wouldnt show until the next billing period. I logged into TD, and before I made the payment, the site said my next payment was due In XXXX, and nothing about a past due. But it didnt have any other account information. 

My major concern is that TD has reported to the credit bureaus that I have paid late. This is not true! I didnt pay late, they failed to deduct. Secondly, now Im concerned about the 0 % interest rate Im supposed to have still being in effect. Finally, it seems they have also lowered my {$1400.00} credit limit as some sort of penalty, however Ive not been notified and cant see any details of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issue me a {$1200.00} Walmart credit card. Within 45 days they lowered my credit to {$800.00} affecting my credit report and lowering it by 5 points. 

They claim is was because of increase use of my credit but I am also making 40 % more money. They did a poor job and most important it affected my credit rating protected under the FCRA. 

They had already ran a credit report 30 days earlier.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer nights toprivacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, XXXX 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 a account without my writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report bymore than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have names address another account on my credit Ive been trying to to dispute they either put them off for months or just deny my dispute
Product: Checking or savings account

I was making a payment through my bank account, the payment was declined twice before the third payment went through. Three payments of XXXX XXXX XXXX  came out of my account on XX/XX/year> and the balance was adjusted the next day as if I never had my original balance from the previous day. Only the one payment that processed was showing and my balance was adjusted as if it was always XXXX XXXX XXXX  less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record and the listed account below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TransUnion, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records and account below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report, an inaccurate, negative item from XXXX XXXX XXXX appears. Despite my repeated requests for proof of validation, Experian has failed to validate this item, while continuing to report this negative item on my credit report. 

I contacted XXXX XXXX, the mortgage company, which should be the reporting entity and asked for a history of this loan. They provided a letter ( attached ) and were not able to validate XXXX XXXX involvement in this loan. I am requesting that XXXX be deleted from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this with Experian but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. The Department of Veterans Affairs account On XX/XX/XXXX I sent a letter to Experian, certified mail for a dispute to fix this account because it was reporting differently than the other reporting agencies. Experian received it XX/XX/XXXX XXXX. About 30 days later, Experian sent me an alert through Experian.com stating the account as updated. 

On XX/XX/XXXX I sent the Second Letter stating that I wanted to know what was there method of verification and then proceeded to point out the inaccuracies between the three reporting agencies, on XX/XX/XXXX Experian Received this Letter at XXXX. 

This time Experian Just marks my report up with a bunch of false Information First mistake they made was putting up a random balance of {$2700.00}, Then they proceeded to mark my account all the way up to XX/XX/XXXX as a charge off, when the original account was closed XX/XX/XXXX with a balance of {$1900.00} XXXX instantly went into a state of shock because I don't know how they came to that erroneous conclusion. 

I sent a third letter because by this time, I am frustrated and my anxiety is bothering me. I still get no answer from Experian as to how they came up with the balance. 

I sent in a letter to the Va where they sent me a letter stating that I should correct it with the Credit reporting agencies with the closing Date of XX/XX/XXXX with balance of {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collections account with XXXX XXXX  XXXX that has been paid in full and closed ; however, it still shows up on my XXXX and TransUnion credit reports as an open collections account. 

Once the debt was paid, I notified the credit bureaus immediately, forwarded the letter that I was provided, and asked that they update my reports accordingly. XXXX updated that account accurately as paid in full and closed. XXXX and TransUnion however continues to report that account as an open collections account that is in derogatory status with a {$0.00} balance. I've contacted the creditor by email and asked if they can reach out to the bureaus to notify them stating specifically that the account is closed ; however, they have stated that the letter that they provided was the only notice that they would provide. I can include that letter with this submission. In the email, I asked if she can confirm that the account is closed since the debt is settled in full and she has stated that that is correct. I enclosed the email thread that contains the conversation with this submission as well. I contacted the XXXX and TransUnion and they have stated that they must have a statement from the creditor, specifically stating that the account is closed. I have run out of options at this point and would need your help to correct this matter.
Product: Credit card

I have been an American Express customer for about 30 years. I generally spend $ XXXX a month, as I use it for everything. I previously had an AMEX platinum card but cancelled it a couple of years ago because I couldn't justify the annual fee. I now have a XXXX XXXX XXXX XXXX XXXX and I have 2 family members with the card as well. 

I pay my bill every month and in full. Last month, I was one day late paying my bill ( {$11.00}, XXXX ) and was penalized with a {$29.00} fee and {$460.00} in " penalty interest '' of 29.99 % ''. 

I called Amex on XX/XX/31 at XXXX XXXX, and was told that because I had made similar request in XXXX ( again only a day late ), that the card was not eligible for additional waivers. AND that I should set up automatic payment to avoid future issues, which I do not care to do. I spoke to a supervisor to ask if he was interested in saving my account and he said he could not because of the XXXX waiver. 

I previously worked for a bank and upon occasion dealt with fee issues related to checking accounts, so I understand that this is a way for Amex to increase fee revenue in a rather easy manner. I also dealt with informing customers as to changes in policy and I would say in this case, not getting written information clearly pointing out that if my payment was even " one minute past midnight '' on the due date I would be charged with both a fee and an interest charge. Statement messages are easy to miss. 

Yes I should have paid my balance by the due date, but I view this as an unfair and deceptive practice and will not be using my card much. I will not cancel it yet because I just paid the {$260.00} annual fee.
Product: Debt collection

Ongoing with American Express Gold Card, for almost two years, I have had a problem getting them to stop charging for certain payments for ongoing services which I had cancelled with various companies ( Primarily XXXX, but also other accounts ) by contacting AmEx and asking to have these amounts not taken out from my card. At least two times I got rude responses in regard to my responsibility to make these payments and they couldn't stop them from being charged to my card. After three tries and repeated efforts they even gave me a {$200.00} credit ( which I never took since I might have to pay it back if I cancelled my card within the next year ) in order to try to appease me - this time assuring me the charges would not occur. This was sometime in late XXXX early XXXX. Finally, in frustration, after I was again charged by XXXX I cancelled the card which I had for around 15 years. My last bill I received from them in XX/XX/XXXX - I received a credit balance repayment ( which I later received by check ). Despite that a charge kept appearing on my account - note : my now closed account! So, despite asking that charges now be made against my account from certain creditors, and despite closing my account - American Express continued to accept charges and then to bill me! How can that even be legally possible for me to tell them not to allow a particular customer to charge my card that they still do? And, even after the account is closed they still charge - to a closed account - how? And how can I as a customer who gave them notice still be responsible for their error? Well, according to XXXX, who was very friendly/helpful - with the next credit reporting that goes to the Credit Bureaus, AmEx will fix my credit report! He couldn't give any kind of IDentifying info other than " XXXX ''! So now I wait until sometime around the XXXX to see if AmEx fixes this! In the meantime I think this is an important issue the CFPB and AmEx need to look at - I have never been so treated in any business dealing. It seems fundamentally in error! If someone could contact the Legal Department and discuss - surely this cant be correct!
Product: Mortgage

DHI Mortgage failed to provide the appraisal as required. Section 1002.14 ( a ) ( 1 ) requires that the creditor provide copies of appraisals and other written valuations to the applicant promptly upon completion, or no later than three business days before consummation ( for closed-end credit ) or account opening ( for open-end credit ), whichever is earlier. The appraisal is dated XX/XX/2021 but wasn't provided to me until XX/XX/2021. This is not prompt. I followed up with her several times to obtain a status and she was never forthcoming with any updates. 

DHI Mortgage Originator, XXXX XXXX, apologized for lack of transparency and assured me that this was a coaching opportunity for her. However, she called me on Wednesday, XX/XX/2021 to tell me that I should be receiving our revised closing disclosures the same day, or the following day. I heard nothing from her until Tuesday, XX/XX/XXXX ( today ), with no further updates about the revised disclosures. She only called to delay the closing because she had concerns that the closing package wouldn't be ready by our agreed upon closing date. She has previously re-iterated that the closing date in our contract was a projected closing date. I asked that the closing remain at the time we already agreed upon due to having a utility appointment for later in the afternoon. She said she would notify the closing department and get back with me. She did not contact me to advise whether closing was moving forward as scheduled or was firmly being rescheduled to accommodate their lack of planning and effort in getting the documents completed timely. 

I write this complaint of DHI Mortgage 's shady appraisal practices and complete lack of transparency about their processes. I write this complaint not knowing how much cash is needed to close nor when the closing is scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a XXXX XXXX credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.
Product: Credit reporting or other personal consumer reports

Heres a rewritten version of the text for your credit repair dispute : I am filing a complaint against Equifax for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting supporting evidence, Equifax consistently responds within 24 hours, claiming the account is accurate, without demonstrating evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as outlined in the CFPBs recent administrative actions. as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In XXXX, I contacted Experian to report fraudulent inquiries on my credit report and requested that they block the inquiries and update my report accordingly. However, Experian declined my request. I then spoke with XXXX XXXX, the company responsible for the inquiries, and they confirmed they had accepted two fraudulent applications in my name.

Following this, I reached out to Experian again to set up a fraud alert and dispute the fraudulent charges that have caused financial hardship. During the call, I verified all of my personal information through their automated system. After confirming my information with the initial representative, I was transferred to XXXX from the Specialist Service Department ( Fraud ). 

When XXXX requested my Social Security number, I informed her that I could not provide it verbally as I was in a hospital room with a roommate present. I explained that I had already entered all necessary information and asked if she could proceed with alternate questions for verification. XXXX, however, insisted she could not continue without my Social Security number, despite the fact that I was calling due to identity theft. I requested to speak with a supervisor, but XXXX refused to transfer me. 

Experian has been unhelpful in addressing these issues, failing to conduct thorough investigations or provide adequate protection for victims of identity theft like myself. Despite the serious nature of my compromised identity, I have received little to no support from their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three credit disputes with experian for three different debts that are fraudulent, I was XXXX  on XX/XX/XXXX and sentenced to ( 48 ) months in federal prison, I was released on XX/XX/XXXX, XXXX while XXXX  three accounts were opened in my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an account by XXXX XXXX, all three of these accounts are fraudulent. I was XXXX  when these accounts where opened. XXXX XXXX was opened on XX/XX/XXXX, XXXX XXXX XXXX was opened on XX/XX/XXXX these two accounts where opened a year before I was released from prison, I could not have opened these accounts while in prison. I don't have the authority to open accounts while XXXX, XXXX  credit card, incurred new charged while I XXXX, the charged on XXXX credit was not authorized by me, because I was XXXX. I submitted documents showing my incarceration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX Balance : {$0.00}