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

I paid this account off in XX/XX/year>. They reported late payment last week. This account is paid and closed. It knocked my credit score down XXXX plus points because of this incorrect reporting. Its been over 5 years since I paid this account off. I contacted the credit reporting department and they said that since it was late during my payment plan, it still reports after it has been paid off and closed. This is false! They havent reported anything since 2019 and just reported incorrect, negative information to two different credit bureaus. Thats not fair! The company is XXXX XXXX in XXXX GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer financial protection bureau ( cfpb ) the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage which falls under trafficking according to XXXXXXXX final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bal. {$700.00} XXXX XXXX XXXX. {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant is reporting to XXXX  that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

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

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Product: Credit reporting or other personal consumer reports

I have been trying to update my incorrect information on Transunon but they have not dont it at all I need my address changed
Product: Mortgage

On numerous dates in XX/XX/XXXX, I have contacted pennymac in reference to an increase in my escrow payments per month due to a mistake on their end. They originslly stated it was my taxes fault, but then changed their story and blamed it on my insurance company for not keeping up with my windstorm insurance. After speaking with my insurance company, they stated they had not changed anything in reference to my policies and any increase in pay was due to the mortgage company. After explaining to them what I found out, pennymac finally admitted on a recorded line that they XXXX XXXX  and forgot to collect for it so now doubled my escrow payment. If they made the mistake, why and I getting punished for it and having to pay payments out of my price range.
Product: Credit reporting or other personal consumer reports

All three credit bureaus XXXX XXXX XXXX XXXX are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXI - TOTAL XXXX  # XXXX my credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$550.00} Credit Limit {$0.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER
Product: Debt collection

My credit reports are showing 2 debts with Portfolio Recovery Associates. I have sent several letters requesting that they provide proof with my signature showing the debts are valid and belong to me. They have failed to do so. They are only saying that the debts are mine and that my social security number was used. Per the Fair Credit Reporting Act, they are supposed to provide me with my signature as proof that the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY FCRA RIGHTS HAVE BEEN VIOLATED. 
These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. 
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 According to XXXX XXXX XXXX Experian, XXXX & XXXX XXXX XXXX XXXX free of charge, conduct a reasonable re-investigation 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 file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Mortgage

We were contacted by Rocket Mortgage XX/XX/2020 informing us we were eligible to refinance. Representative said our home maximum appraisal was {$290000.00} and that a {$280000.00} figure would be 'comfortable ' to complete the application. We were aware of and charged a {$400.00} appraisal fee, which would be returned upon closing. A substantial monthly savings was greatly anticipated due to recent XXXX XXXX  and treatments incurring thousands in medical expenses. Our home appraisal was {$240000.00} despite being substantially larger and very, very well maintained than similar homes in the vicinity. The low appraisal negated the refinance. We requested a refund of the appraisal fee, due being misled by Rocket Mortgage representative regarding the appraisal value upon our initial conversation. We were also told by another representative that we were ineligible to refinance anyway because we had refinanced with Rocket Mortgage XX/XX/2020, nine months prior, we had to wait 12 months to refinance again. This is/was information mortgage professionals know beforehand in the mortgage industry. We were told we would be contacted regarding the request to return the {$400.00} appraisal fee because of the inaccurate and uninformative information but have yet to be contacted by the Rocket Mortgage representative we have spoken with. Thank you for your assistance.
Product: Student loan

BANK OF AMERICA/XXXX is reporting for XX/XX/XXXX as 90 days behind however reported XX/XX/XXXX to XX/XX/XXXX in good standing. It would not be possible to be 90 days late if the account was in good standing the month prior. This is significantly bringing down my credit.
Product: Debt collection

The company responded sent a copy of the notification of the debt letter. The letter was sent to an address where I was evicted on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) The notification letters were sent in XXXX and XXXX, long after I had been evicted from that address. The company did not follow up with the correct address which could have been located on my credit file. This company has a history of unfair debt collection practices and this is evidence of that fact. 

I sent a copy of the court record to the company in XX/XX/XXXX. The company ignored the documentation forwarded to them and did not process my dispute. Instead the company entered inaccurate information that the debt was XXXX on XX/XX/XXXX, thus decreasing my score by XXXX points, in retaliation for filing the dispute. 

The company did not provided me an opportunity to dispute the debt because they notification was sent to an address where I had not lived for at least 1 to 2 years, legally. The company should be order to delete the tradelines for XXXX XXXX and XXXX XXXX because they do not own the debt and do not own the right to report it charged off without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  XXXX  # XXXX 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 written instructions.
Product: Debt collection

I had some minor traffic citations I think municipal city of XXXX Kansas XXXX XXXX XXXX XXXX Kansas courts 18th judicial ... Anywho the courts sold my traffic fines to a firm known as Butler and associates... An agency not recognizing as state or fed in regards to the setoff program and not allowed to garnish exempt funds such as the economic impact payment the stimulus checks from COVID... I was in XXXX XXXX and the stimulus was deposited into an inmate account in which it was placed in a forced savings... Meaning ... I could see the money on my books but I did not have access to it for commissary and hygiene tho prison was hard enough as it was... The forced savings was designed to give inmates a decent boost when reintegrating into society... I was released XX/XX/2022 almost XXXX ago and moved to Florida XXXX Bcuz XXXX allowed Butler and associates to garnish my stimulus held in forced savings I was released broke and poor forced to start off reintegrating into a struggle. And have been struggling all this time... Now finally able to voice the injustice as this is step one and two is with the FTC under FDCPA for the unfair deceptive abusive practices bestowed upon by Butler and associates... For the worst part is my class c drivers license is suspended by the state of Kansas for traffic citations issued by, but fines not held payable to state agency but transfered as debt to Butler and associates who now hold power, as if some corporate government gangster mafia tactic, sovereignty over the validity of my drivers license, also excluding me of eligibility for hardship licenses or restricted drivers license virtual making it next to impossible for me to prosper righteously for I have registered vehicles and insurances but ca n't drive nor maintain efficient employment.
Product: Credit card or prepaid card

XXXX ( XXXX ) Carnival Cruise line offered a trip for the family, 6 cabins totaling {$4200.00}, offer thru Carnival XXXX XXXX XXXX. ( ( Barclays Bank ). Trip scheduled for XX/XX/XXXX. 
Due to the Covid-19 Pandemic we were unable to travel, the fleet was canceled. 
Carnival offered a 100 % refund. We never went on any Carnival cruise, yet Barclays continued to charge the automatic payments that were setup. We wrote to Carnival, we wrote and called Barclays they did nothing and continue sending letters and phone calls. 
Finally Carnival did a partial refund, Barclays was not paid completely, now XXXX Barclays decided to send the balance to collection services, ( XXXX XXXX ). We never went on any Carnival Cruise, we offered to settle with Barclays, nothing was resolved. I would like to have remove my collection activity until this issue is settle. The XXXX score is affecting my loan status to purchase a home.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I've contacted the wells fargo in XX/XX/XXXX for modification and i couldnt work, they didnt get back to me. they reported to credit bureau s late for 120 days and they schedule a foreclosure date in XX/XX/XXXX. i had to borrow from my credit cards to pay to wells fargo and stop the foreclosure, my account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been illegally re-aged. Date of first delinquency ( DOFD ) would have occurred in XXXX. Calvery is reporting this false info on all three agency reports. 

CAVALRY PORTFOLIO SERVICE Account Name : CAVALRY PORTFOLIO SERVICE Account NumberXXXX Account Type : Collection Responsibility : Individual Date OpenedXXXX <<<<<<<<<<INCORRECT<<<<<<<<<<< Status : Collection account. {$11000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$11000.00} Balance Updated : XX/XX/XXXX
Product: Checking or savings account

I am writing regarding the above-referenced account, which was closed on XX/XX/year>, and currently has a charge-off amount of {$68.00}. 

I acknowledge the outstanding debt and am willing to settle the account in full. In exchange for my payment of {$68.00}, I respectfully request that U.S. Bank Corporation remove any related negative reporting from XXXX, XXXX. This account has been reported to XXXX as account abuse, even though the charge-off resulted from the accrual of junk fees. This negative report has prevented me from opening an account with a preferred financial institution, and its removal is essential for me to manage my banking needs effectively. 

This settlement is proposed as a gesture of goodwill to resolve the matter amicably and ensure that my financial records are clear of any negative entries. I believe this would be mutually beneficial, allowing me to fulfill my obligation while improving my banking record. 

Please confirm in writing that U.S. Bank Corporation agrees to this arrangement. Upon receiving your written confirmation, I will promptly remit the full payment of {$68.00}. 

Thank you for your attention to this matter. I look forward to your favorable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my Equifax credit report, I see that an address that is listed is a place that I have never lived. How can I have this removed? 

I have never lived at the following address : XXXX XXXX XXXX XXXX, NC XXXX Thank you XXXX XXXX
Product: Credit card

Citibank sent me a XXXX credit card and I did not apply for it. I called them and they said they could not share that information with me. As a result of their random opening of a credit card in my name, my credit report took a hit. I did not approve this application or card. I cut up the card when they sent it to me. Now I am getting emails that a payment is due but they can not tell me what the payment is for or why there is a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXXr do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Checking or savings account

I am an international student at XXXX XXXX XXXX, and XXXX XXXX XXXX, my employer is sponsoring my XXXX by paying my tuition and living expenses. Before arriving in the XXXX, XXXX sent the funds to my XXXX account so I could pay for initial expenses, including my rent and deposit. After arriving in New York, I opened a Chase bank account on Thursday XXXX of XXXX at XXXX XXXXXXXX XXXX XXXXXXXX. I was assisted by XXXX XXXX, who confirmed that it was fine to transfer my funds from XXXX to the new account. I then transferred the {$60000.00} in XXXX parts of XXXX each the following weekend. 

On Sunday XXXX of XXXX, I received an email from Chase stating that my account might be restricted, and I was instructed to call for further assistance. When I called, I was encouraged to go to the branch. I recalled the same day at XXXX, and this time, i was informed that a final decision had already been made to close my account. I proposed to provide proof of the origin of the funds, including documentation from XXXX, but this offer was rejected without review. 

When I visited the branch on Monday XXXX XXXX, I was informed that they did not have additional information about my account closure or the status of my funds. I was told conflicting information : that Chase might reject the XXXX transfer and send the money back to XXXX, or that they might issue a check. However, no clear timeline or confirmation has been provided, leaving me confused and unable to plan my next steps. 

They also cancelled my meeting appointment that i had booked with them for Tuesday XXXX of XXXX without any further explanation. 

This unexpected account closure has caused significant emotional distress and inconvenience. These funds are crucial for my tuition, housing, and other living expenses as I begin my XXXX program. The delay and lack of transparency have disrupted my studies, caused me to miss critical school commitments, and created uncertainty about how to meet my financial obligations. 

The funds came from a legitimate source, and I was transparent with the bank during the account setup. In addition, Chase failed to notify me in advance or provide me with an opportunity to resolve the issue before closing my account and they have not clearly communicated how or when I will receive my funds, leaving me in financial limbo.

I urgently request assistance to ensure the immediate and safe release of my funds and to hold Chase accountable for the distress and inconvenience caused.
Product: Credit card or prepaid card

my credit limit was decreased from XXXX to XXXX dollars on my account without proper notice, however ive never missed a payment and have only had 1 late payment throughout my account history
Product: Credit reporting or other personal consumer reports

I discovered I had been the victim of identity fraud. I obtained a copy of my credit reports and discovered that Equifax Information Services and only Equifax Information Services was reporting I had a public record of filing a bankruptcy petition in 2018. I have never filed a bankruptcy petition. I contacted Equifax by phone and letter. I asked them to correct the error and remove the public record of bankruptcy and to tell me what company was providing them with the incorrect information. Equifax refused to delete the incorrect information of a bankruptcy petition in 2018. Equifax further refused to provide me with the company who was supplying the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX US BANK ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry. please Remove. I Appreciate your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to get 3 loan payments moved to the back of my car loan so that I would not have late payments reported to the credit bureaus and the company refuses to remove the missed payments. I've called and disputed this many times. They accepted money to move the payments to the back of the loan but will not remove the missed payments when I have been current for 18+ months. 

XXXX XXXX  XXXX, XXXX and XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with the better business bureau as well as email and voicemail with the creditor. I am attempting to have an erroneous charge on my credit report removed.