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

I am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), and Nevadas deceptive trade practices statutes ( XXXX etseq. ). Despite my prior disputes, Equifax has effectively closed my XXXX  account for nearly a yearshowing it as PAYS AS AGREED with no balance or updated datawhile Experian and TransUnion continue to report a live balance and payments. XXXX also insists it furnishes identical data to all bureaus, yet the account plainly appears active with Experian/TransUnion and dormant with Equifax. This glaring contradiction renders the account unverifiable, artificially inflates my debt, and denies me a fair credit profile. 

Under FCRA 1681s-2 and 1681i, both XXXX and the CRAs must ensure consistent, accurate reporting and can not shift blame to each other. XXXX final statement that Equifax suppressed the account shows there is no uniform verification across bureausespecially since nearly twelve months of missing updates at Equifax reveal a major data failure. This ongoing harm to my ability to obtain credit constitutes an unfair, deceptive, or abusive act or practice ( UDAAP under 12U.S.C. 5531 ) and violates Nevada law prohibiting misrepresentations or omissions of material facts in consumer transactions ( XXXX etseq. ).
Product: Credit card or prepaid card

I was quite surprised to see a late fee on my Discover statement for closing date XXXX/XXXX 2017. I was perplexed because I am careful to pay my bills on time. Looking at my check book, I saw that I had not made the payment due on XX/XX/XXXX. Checking in my Discover folder, I saw that there was a XX/XX/XXXX statement, but noXX/XX/XXXXstatement.
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If XXXX XXXX can sign up customers for new accounts without their permission, then Discover can certainly fail to send out a few monthly statements to get extra late fees that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX of XXXX XXXX but late 30 days with XXXX?? How can I be late 30 days with TranUnion and XXXX in XXXX of XXXX but on time with XXXX? 
The payment status shows 30 days late yet XXXX shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose
Product: Debt collection

XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing.
Product: Checking or savings account

I deposited a US Treasury check on XX/XX/XXXX and it has not been posted to my account even though it is required to be next day.
Product: Checking or savings account

On XX/XX/XXXX I had lost my debit card but wasnt sure if I just misplaced it so I locked my account so that If found and used it wouldnt affect my account. Well unfortunately that did me no good. I called chime and let them know that I lost my card, but my money that was deposited into my account was gone via an atm. There was my tax refund deposited on the XXXX for {$3600.00}, and my card was locked yet money was taken through an atm. I called the atm company ( which I didnt know what they were until calling ) they asked if I contacted my bank. I stated I did and they said they would speak to them and that was all I needed to do. Almost 3 months after reporting these unauthorized transactions Chime closed my account and said they would investigate and could take an additional 90 days. I contacted them daily and even asked why it is taking so long when I locked my card, I even asked for access to these funds that were taken, however I was told that they were not obligated to do anything for me and wouldnt have to provide me a timely decision. That said as soon as they cancel my account, everything was deleted from my phone by them shortly after I received a denial letter stating that they were not going to replace the money that was taken. I immediately requested the information that led them to this conclusion and within 1 month they sent it. They didnt even investigate and despite giving them multiple screenshots of failed transactions, all of the charges went through despite my emails stating they were denied. They said they would look further into it if I submitted a request through a different email account and I requested arbitration as their page stated when there is not a satisfactory explanation. I even complained to the bbb but nothing happened and I still dont have my money and now they are reporting me to the credit bureau and they have my money and now states that Im in default on my credit building account which is tied to my checking but my funds were not available nor could they be withdrawn from an atm. To date they have my money and are unwilling to refund my money nor are they following their own account information with regards to arbitration. I have sent notifications to the irs regarding my refund being stolen despite it being deposited into my account during a time that I was unable to access my account without my debit card. Chime is no longer answering my emails or calls. I need help getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously been an Experian credit monitoring customer but wanted to cancel my account. In the app where payments are made and the account is initiated you cant cancel the account. They confuse consumers by giving the option to downgrade to a lower price account or a free account. People will likely take the free account thinking its equivalent to cancelling, but its not. If you actually want to cancel your account you will have to find the phone number to call, sit through unusually high call volumes,. And answer the same personal questions multiple times to a computer and a person and then sit on hold again. The whole process took a half hour and is clearly designed to be a pain in the XXXX. They make it difficult to cancel to increase their sales and trick you into keeping your data with them. 

If Unfair and Deceptive Practices apply to Experian, this is clearly one. The executives, product managers and every decision maker that thinks this is ethical and approved this business decision should be banned from financial services work. They have no sense of honor or duty for fellow humans. Shameful
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


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

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

XXXX XXXX CREDIT CARD : # XXXX, XXXX XXXX CREDIT CARD : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} WXXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXD Date of inquiry XX/XX/XXXX
Product: Debt collection

These people kohls have call at least 6times A DAY when I mention that I already spoke to someone they hang up rudely a nd call right back and they start at XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. TU have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry was discovered on credit report that was not recognized.
Product: Debt collection

On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit card

i booked 2 nights at a resort in XXXX that was listed on AMEX 's search engine under their HOTEL & RESORTS COLLECTION, which qualified me for a {$300.00} credit. AMEX refused to credit the amount because they claimed that particular property was not part of that plan EVEN THOUGH it appeared in the search engine on their travel website. they charged me late fees and took the " outstanding '' Balance to Collections ( XXXX ). Furthermore, the Resort was underwhelming at best, with cockroaches in the rooms- i would like the {$300.00} charge removed asap along with any late fees.. thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX XXXX today I think her name was XXXX XXXX XXXX XXXX  she was very sweet and she even notated the account. We went over the account where somebody applied for a place it looks like both had the same names but wrong DOB AND SOCIAL SHE TOLD ME SHE DONT KNOW WHY THEY WOULD PUT THIS ON MY CREDIT REPORT IF THE SOCIALS DIDNT MATCH. so she told me to put a inquiry in with TransUnion and they would send it to them to remove.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX XXXX ( XXXX ) for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX  ) for reporting inaccurate information on my credit report. The information they provided " does not match data from other credit reporting agencies. '' XXXX has reported a debt that I do not owe. " Under the doctrine of estoppel by silence, I have not provided any evidence that Developer One owes any debt, and therefore, no such debt exists. '' XXXX 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : NCA is reporting inaccurate information. 
15 U.S.C. 1681i : XXXX failed to properly investigate my dispute. 
15 U.S.C. 1681e ( b ) : XXXX has not assured maximum possible accuracy. 
15 U.S.C. 1681s-2 ( b ) : XXXX did not investigate after notification of dispute. 

Their actions are causing significant harm to my credit. 

I request that the CFPB investigate and take action against XXXX for FCRA non-compliance and ensure the removal of the inaccurate information from my credit report. 

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

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my XXXX XXXX XXXX score. It used to be XXXX, but on XX/XX/2022 I noticed that it went down dramatically to XXXX. 

I have an A-1 payment history, and I have made 100 % of my payments on time. I have not made any new major purchases. The only change was my address, and I don't believe that should cause such an extreme decrease in my credit score. This is causing me to have difficulties obtaining premium interest rates when applying for loans, and credit line increases. 

I have attached a screenshot of my XXXX XXXX XXXX score to this complaint.
Product: Checking or savings account

I made a return to XXXX XXXX on XX/XX/XXXX. the return was processed for the XXXX XXXX XXXX XXXX XXXX. Since I paid originally with Paypal, XXXX XXXX made the return to Paypal. Transaction ID : XXXX. This was sent to Paypal from XXXX XXXX on XX/XX/XXXX and it was never credited to my account. I then filed a claim with my bank ( XXXX ) to look into it. The Paypal Claim ID : XXXX. 

Paypal refused to give me my credit since I had opened a claim with my financial institution. After talking to XXXX they provided me with their XXXX  Number as evidence they closed the case on their side on XX/XX/XXXX. ARN : XXXX which was sent to paypal on XX/XX/XXXX proving the case was closed. Paypal still has not refunded my money related to this claim XXXX. Paypal is saying its CHASE even though the money was NEVER credited to my Paypal account. I've attached pages and pages of the claim correspondence with Paypal. 

I need PAYPAL to credit my paypal account with XXXX XXXX  which was never credited. Paypal has decided to close my case and is asking me to go over everything again. They have taken no action since XXXX and I'm not going to go through this for another 3 months which they take no action. Please seek my credit from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan was opened on XX/XX/2018, but the payment history for XXXX, XXXX, XXXX, and XXXX of 2018 is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  Account # XXXX XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( 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. 

XXXX has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX  states i have had a card sinceXX/XX/XXXX but the information only reflects XXXX XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX XXXXXXXX illegally restarted removal timeline after settlement
Product: Payday loan, title loan, personal loan, or advance loan

Account Name - LEAD BANK Account Number - XXXX Reported balance - {$0.00} Date reported - XX/XX/year> I asked the company to provide me with my hand written signature of proof. And they failed to do so.