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

I had a credit freeze with Experian. To refinance my loan I unfroze my credit using their website tool and it worked without an issue. 

After the refinance was complete when I try to refreeze my credit report with Experian, their website gives me a very hard time to use the freeze tool. Instead they're trying to push me to purchase their " credit lock '' product. When I try to freeze my credit, the website takes a very long time to respond at each step which caused my browser to either timeout or look like something is wrong. At one step it took over 3 minutesthat it felt like something is very wrong which makes it frustrating/difficult for the consumer. Basically they're making it hard for the consumer to use the credit freezing tool and push them towards pushing their premium product by making it difficult, painful and almost impossible to use their online credit freeze tool. 

This is harassment and violation of the federal law to allow me to easily freeze my credit. This is only specific to Experian and I've no trouble freezing my credit with the other agencies, all of which took me less than 10 seconds to complete. The Experian website and other services/tools respond instantly, they've intentionally slowed down the freeze tool only to push people to purchase their alternative product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention certain inquiries listed on my credit report and to request their removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). After a careful review of my credit history, I have identified inquiries that I believe are no longer relevant or valid, and their presence on my credit report is potentially detrimental to my creditworthiness. 

The FCRA, a federal law designed to promote fairness, accuracy, and privacy in the reporting of consumer information, grants consumers the right to dispute incomplete or inaccurate information on their credit reports. As outlined in Section 611 of the FCRA, I am exercising my right to request an investigation into the inquiries that are attached I believe these inquiries no longer reflect my current credit-seeking activity or financial interactions. It is crucial for my creditworthiness and financial well-being that my credit report accurately represents my credit history. Therefore, I kindly request that TransUnion thoroughly investigates these inquiries and, if they are found to be invalid or unauthorized, remove them from my credit report. 

Enclosed with this letter, please find supporting documentation, such as cancellation letters or account closure confirmations, to substantiate my claim that these inquiries are no longer relevant. I trust that these documents will assist in your investigation and facilitate a prompt resolution to this matter. 

In accordance with the FCRA, I kindly request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I would appreciate it if you could notify any potential creditors who have accessed my report within the past six months of the correction made to ensure the accuracy of their records. 

I firmly believe in the importance of accurate credit reporting, and I trust that TransUnion will handle this request with the utmost professionalism and diligence. I look forward to a swift resolution and the restoration of my credit report 's integrity. 

Thank you for your attention to this matter. 

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

I already reached out to EXPERIAN and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found that I have inaccurate information on my report. Experian is Reporting 5 late payments from my XXXX  XXXX XXXX XXXX XXXX The late payments are as follow XX/XX/2023, Experian is reporting as 60 days late while XXXX and XXXX are reporting as 30 days late. XXXX XXXX 90 days late, 60 days late at XXXX and XXXX. 120 days late, while XXXX and XXXX is 90 days late. Etc I understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian is violating my rights and for this reason I would like all late payments removed from my report for this account
Product: Debt collection

On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from Resurgent on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to Resurgent. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter ) Resurgent refusing to acknowledge payment for account XXXX and is still collecting on the remaining balance that was to be settled. Also refused to acknowledge the original settlement agreed on acct XXXX for {$3200.00} even though they had the account before the original offer expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax placed a freeze on my credit score without asking or telling me and it is a mager undertaking to get it lifted .I would like it lifted and would also like to know what right they have to do such.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was advised to write to you concerning my credit rating. Unfortunately 2 years ago I was in a financial dilemma due to job loss and health issues. As a result 4 of my payments between XX/XX/XXXX thru XX/XX/XXXX were delayed. I managed to borrow the money to cover the late payments. I paid those payments ranging from 30 to 90 days on four occassions in a four month period but I made sure to fulfill my obligation to ensure Capital One suffered no loss. I'm thankful and appreciative for the years Capital One has provided for me and my family but know those 4 late payments are hurting my efforts for me and my family tremendously. I'm trying to start my business by being a entrepreneur. I have called several times asking for a Forgiveness Act, Goodwill Request, etc ... I also inquired about a UDF ( Universal Data Form ) to send to the credit bureaus to remove these entries. I even mailed them a copy of Sec.4021 credit protection during covid-19 even though the government made it official in XX/XX/XXXX there were reports before then. I quote from which it states report the credit obligation as current or if the credit obligation or account was delinquent before the accommodation. If the consumer brings the credit obligation or account current during that period described in item ( XXXX  ) report the credit obligation or account current.
Product: Checking or savings account

On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. 

A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. 

I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.
Product: Credit reporting or other personal consumer reports

I sent a request for validation letter of debt that was listed on my credit report. I sent it out on XXXXXXXX XXXX. I have not received a response to the letter. This creditor clams I owe {$1800.00} in debt, when asked to validate the info did not receive a response. There a response tacked on to my credit report that I did not make regarding this account. This account is just sitting on my credit report damaging my XXXX score. They company will not respond to me about this account.
Product: Credit card or prepaid card

Its been a month ( XX/XX/XXXX ) since Ive asked Discover to send XXXX XXXX their money back for a balance transfer that was sent from XXXX XXXX to Discover in error. Ive called Discover numerous times and was told to wait longer. Finally, on XX/XX/2019 I called Discover and was told that XXXX XXXX must fax a request for the money ( no one called me to tell me Discover is waiting for this fax ), yet XXXX XXXX already sent this request back on XX/XX/XXXX ( trace # XXXX ). Discovers customer service throughout this fiasco has been tragic and infuriating. Today I spoke with the executive office after filing a XXXX  complaint to expedite this crucial issue, and I was simply told there is an an open investigation with no promise of performance. 
XXXX XXXX case # XXXX - Discover case # XXXX - XXXX XXXX sent request for monies : XX/XX/2019, trace # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon covering from XXXX for the second time, I began reviewing mail including copies of my credit report that I did not order. Upon reviewing my Equifax credit report, I notice the appearance of multiple bankruptcies and incorrect items on my credit report with Equifax. At the beginning of XXXX, I began the process of disputing several items. The most recent investigation involved the multiple bankruptcies being reported. I submitted the dispute online as I had filled out the paper document that was sent with the credit report, but an investigation never started. Because Equifax did not initiate the investigation, I submitted the investigation online. I did receive a confirmation number. Thirty days passed and Equifax sent me another credit report stating that the information was verified. I then sent another request of Equifax asking for the company to send the information that was verified to them. I did not receive the answer that I requested, Instead, Equifax conducted another investigation that lasted another thirty days and I receive the same response that the accounts had been verified. Unknowing to Equifax, I sent a certified letter to the source of the information listed by Equifax. I received a response from the original source that they do not verify information and that I had to contact Equifax. I have since sent Equifax the same letter from the source that was sent to me. The document was sent to Equifax via mail and electronically.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

As of XX/XX/XXXX to XX/XX/XXXX I have paid you {$680.00} but when you add XXXX thru XX/XX/XXXX which is {$380.00} that total is {$1000.00}. I only borrowed {$600.00} even with high interest it would have been {$800.00} in XXXX you said I owed {$320.00} so with that being said you went over {$73.00} but with paying you over a thousand dollars youshould owe me {$270.00}. I know about high interest because I have a title loan and it only get no more the {$200.00} more then what I paid. If I dont get my {$270.00} back that is owed to me I will take this to court and call the XXXX  XXXX  XXXX  and report you for over charging.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial submitted a late payment on my credit for XX/XX/XXXX. I spoke with them in XXXX regarding set up automatic payment and due date change. It was not processed and I actually contact them and made a payment. I have been trying to get this late payment removed off my credit since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Checking or savings account

On XX/XX/18 I got an alert that my account was in the negative. Every so often when this happens, I run to the bank and deposit the money and I'm fine. This time, I went to the bank and still got an overdraft fee after the money was in the account. I spoke with a rep on the morning of XX/XX/18 and she stated that there is nothing she can do and that I need to pay the XXXX that I was over by. I went to the bank shortly after that and deposited XXXX plus I did a transfer of like XXXX. I did this because I knew that I was expecting 2 other items to charge either the same day or later. Once I made the deposit, my account was in the positive. I checked my account later on XX/XX/18 in the early morning hours and noticed that I am being charged another XXXX in overdraft fees. I called on XX/XX/18 at around XXXX hours and spoke with a rep by the name XXXX, who stated that there is nothing she can do and I have to pay the fees. I asked to speak with a supervisor and she placed me on a 15 minute hold, before a supervisor by the name XXXX answered the phone. XXXX stated that the charge posted to my account the day before and that is why I was being charged the fee. I asked how can the charges post the day before and I not see it when I went to the bank or spoke with the rep the day before. She said there was no way for me to see the charge and that I still have to pay the fee. I told them I wanted to close my account because I am being robbed of my money and she stated that I can't close the account until I pay the fees. I told her that I would be filing a complaint and contacting my attorney and that after everything is said and done I will be closing my accounts. I explained to them that I went thru a similar situation about 2 years ago with them that ended up costing me over XXXX in overdraft fees that I was stuck paying.
Product: Debt collection

I am a victim of identity theft. I am writing to request that Transunion  Consumer Relations  block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures that you need written instructions, I never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Web site is broken. Incapable of generating a free credit report. Gives message : " System Error '' ; " We are experiencing technical difficulties. '' See unresolved complaint XXXX and attachments.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : 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: Checking or savings account

On XX/XX/2022, my Checking account with Wells Fargo was incompetent, as I was experiencing fraud. They had stolen more than {$2000.00} out of my checking account through Wells Fargo. Wells Fargo did not even alert me of this big purchase, I had found out myself by checking my bank account at a random time. It was devastating cause they had did it twice, stolen {$2000.00} out of my account twice, and I wasnt alerted both times. It took quite a while to figure this out with Wells Fargo, but luckily the credited my stolen money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan debt is being illegally re-aged by the company that bought the debt, XXXX XXXX XXXX. They bought the debt in XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX XXXX - fraud, XXXX  - fraud, XXXX - fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Experian to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting
Product: Credit reporting or other personal consumer reports

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS INQUIRY PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U, XXXX XXXX A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan