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

I received copies of my credit report currently and saw inquiries that I have reported to all 3 credit bureau on more than one occasion. I have placed more than one disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all 3 credit reporting bureau ( XXXX, Equifax, and XXXX ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : XXXX : XXXX XXXX  XXXX Inquire on XX/XX/XXXX Inquire on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX Equifax : XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX ( Twice ) Inquire on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX. XXXX, XXXX XXXX Inquire on XXXX XXXX, XXXX XXXX : XXXX XXXX Inquire on XXXX XXXX
Product: Debt collection

After reviewing a copy of my annual credit report, I have noticed that I have XXXX closed mortgage accounts placed in my file which is causing my credit to be less than mediocre. Because I was not equipped with my rights as a credit consumer at that time, I had no idea that there was anything I could do to fight this. 

Neither of these debts have been verified or validated for me and if this is correct, I have absolutely no knowledge of the amount owed, if I wanted to remedy the problem. 

It is known that both M & T Bank and XXXX have predatory lending tactics aimed at minorities, therefore, I hope hope that they ae not attempting to take advantage of me as a single XXXX mother of XXXX children ( ages XXXX and under ).
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payment associated with my accounts. Upon meticulous review of my report, I have identified instances where late payment have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payment. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payment. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in LATE 30 DAYS to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Experian that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mass Department of Revenue places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get Mass DOR to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Number : XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I went to cash a check at XXXX XXXX it said it wouldn't let me so they gave me a number to call. I called the number they asked for my social security number and when I tried to speak it into the phone it put XXXX but the last 4 of my social security number is XXXX I need that to ne corrected as they social security number on file is incorrect and is off one number
Product: Bank account or service

Chase bank debited {$1300.00} from my account. Mother gifted money many times from her account in " quickpay '' mother passed away and disgruntled sibling says money not gifted. I feel the bank has not looked into this, if so they would see that this gifting of monies is something that has been done for more then 4 years.
Product: Checking or savings account

I had an chime account taken over, in which someone stole my identity and changed my password email, phone number be because of that this account taken over happened in XXXX  during the covid years, however, I had a chime debit, checking and saving plus a chime credit builder card that to this day still reporting to my XXXX credit report, However identity thrives gain access to my chime account, moreover, I contacted chime customer service at XXXX XXXX XXXX XXXX advise the terrible agents that my account was over taken, I was given an email  XXXX. to submit identifying documents and I have not heard XXXX else this is XXXX XXXX Ridiculous.
Product: Credit reporting or other personal consumer reports

I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had Equifax, XXXX XXXX XXXX, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX )
Product: Vehicle loan or lease

On .XX/XX/2018.. my car was totaled.. and my insurance company paid the car loan off.. witch was the balance owed..of {$15.00}. Plus I gave GAP.Insurance ... XXXX XXXX is the one I got the loan from. And they are saying that they only received {$12.00}. I called my insurance company and they provided me with paperwork of amount paid..witch clearly say XXXX. Santander is telling me that's not true.. my insurance company told me to file this claim.. so as of today..XX/XX/2018 it still says I owe them over {$2000.00} .. but what about my GAP insurance..what did I purchase it for ... PLEASE HELP..
Product: Debt collection

I was never notified with a Collection notice from this company, or given a chance to dispute this. So I was going to send them a letter to dispute the account, and this company has not provided XXXX with a mailing address or phone number. 
This violates FCRA section 623. The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the accounts on my credit report
Product: Credit reporting or other personal consumer reports

The company equifax has said several times that they do not have a credit profile for me but in fact i pulled all XXXX bureaus and reports so how is that possible?
Product: Credit reporting or other personal consumer reports

Please Remove The Phone Number XXXX From my report.
Product: Credit card or prepaid card

On XX/XX/2022, I received a letter stating that my account was going to be closed if I did not make a purchase by XX/XX/2022. As a result, I did not receive this notice until after the provided deadline. On the same day ( XX/XX/2022 ), I checked my account and I did not see any notice that my account was closed. I contacted customer service about the notice and if there is anything I can do to keep my account open, and I was told that if I make a purchase my account will remain opened. After talking with customer service I made a purchase. 

On XX/XX/2022, I checked my bank account and saw that my account was now marked as closed. I contacted customer service and after speaking with multiple representatives I was told that there was nothing I can do to reopen my account. I explained that I did not received the letter until XX/XX/2022, and that I was told directly by a customer representative that my account will remain open if I made a transaction. In spite of those events, I was still told that there was nothing they can do to reopen. I was told that the customer representative did not tell me the truth, and I was also told that I should talk to my local post office and ask why I did not receive the letter in time but they did nothing wrong as they sent the letter on XX/XX/2022. 

Due to outside factors, I was not informed properly that my account was going to be closed on time, and I was lied to & tricked into using my card under the guise that it would protect my account. Now my account has been closed shortly after it was used to make transactions but before the balance can be paid off. I lost my oldest line of credit and now my credit score will be negatively impacted as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you about my credit card Account Ending in XXXX. We had a great relationship history that darkens a missed payment in 2014. I understand that you are not obligated to help me in this matter. But I would be very grateful to your bank if you can remove the missed payment in XX/XX/2014. I know that according to the rules of credit bureaus, missed payments should be kept in the report for 7 years. It will not be difficult for you to give me the opportunity to improve my credit score. It will give me the opportunity to get the house that I have dreamed of for so long.
Product: Debt collection

I had an account with XXXX  that was sent to a collection agency ( convergent outsourcing ). I made arrangements with the agency to resolve the debt in which they were on autopay so that the payments were made on time. From XX/XX/2021 I paid XXXX and until XX/XX/2021 I made arrangements of XXXX. I ended up paying it off early in XXXX of 2021. After paying off my balance the company went on to charge my card again in XXXX for {$370.00} and in XXXX charged it again. I tried to reach out to them but had no luck by phone. I decided to write an email and was then contacted. I was able to get a reversal on the XXXX payment and was told they would reimburse me for XXXX. To this day I have not received my money.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I was pre-approved for 3 credit cards from Truist I applied for all 3 and was approved ( screenshots to follow ) I already had 1 secured card with truist which I have made on-time payments for about a year now. 

I received all 3 cards on or around XX/XX/XXXX. I activated the cards and used them accordingly. After my first purchase I received several letters with each set of letters saying something different. First set of letters- WE HAVE CLOSED YOUR ACCTS! Second set- Please visit your nearest Truist bank to show two forms of IDs. Third set- As you requested, we have closed your Truist card accounts. We are sorry you have decided to go. I never called or written in to closed my card accts. I have called the fraud dept several times and even transferred several times on XXXX I was on hold for over 2 hours. I had to miss work. This has been very stressful and is causing me to be sick knowing that no one knows what is going on and receiving misleading comms around the situation. On XXXX I called again and I spoke with a dept supervisor. She told me that the fraud dept has it under investigation and that they dont have any information to give because they dont know either. With all of these conflicting letters, confused agents, closed accounts, and me having great banking history with truist has lead me to this point of filing a complaint so someone with knowledge can explain to me what has happened.
Product: Credit reporting or other personal consumer reports

Although I have asked for and received credit score info from all three and now from Creditwise, the score is based on inaccurate and untimely information. As time goes by, it is undermining my financial health and reputation.How do I get the agencies to report accurately and truthfully?
Product: Mortgage

I have been working with Quicken Loans regarding a modification of my first mortgage for the last 3 months. I provided them with ALL of the information they requested in their 'Application for Success ' modification program. After receipt of my information they asked for additional information which was part of the original information I submitted. Nevertheless, I supplied the same information again. Two weeks later, they requested the same information again ( I have copies of their requests ) of which I submitted again. Becoming very concerned, I was finally able to speak to a supervisor responsible for handling 'complaint escalation '. Only after this discussion was I informed that my application package was complete and that " Underwriting had everything they require ''. That was 6 weeks ago and every other day when I call, I'm told that it's with underwriting. When I request to speak to an underwriter, they're unavailable. 

I need help!
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXXXX/XX/XXXX This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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

There is a collection account on my TransUnion credit report that is with XXXX  # # XXXX opened XX/XX/2015 reflecting a balance of {$2400.00}, this is not correct. I had only 2 accounts with XXXX  # XXXX and # XXXX which has {$0.00} balance and paid as agreed. This outstanding account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed cable service with XXXX XXXX XXXX, staying with the company as a provider but changing from XXXX XXXX XXXX XXXX XXXX XXXX. I returned the modem to the company and received an email confirming receipt. I contacted both XXXX XXXX XXXX as well as the collection agency that processed the action, MRS BPO ; providing both companies the email showing that they received the device ( serial number was on the email ). Both agencies never responded and continued to treat this as a debt. I paid them the {$320.00}, in an attempt to resolve the issue and keep it off my credit report. They refused to remove it from my report. 

I filed a dispute using XXXX, XXXX, XXXX ; but the item remains. I did the right thing and used every available remedy to resolve this situation. I do not understand why it remains on my report and why I can not get this removed. There should be a remedy for this type of activity, it is unfair to the consumer that there are no protections when you are trying to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company XXXX XXXX would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at XXXX XXXX XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently review my credit file and noticed an error. Bankruptcy reporting requested method of verification from all three major credit bureaus and validation. the sent me a copy of the report stating that XXXX XXXX is the provider of this information. All third party credit providers can only have the last four numbers of a social security number and that is no sufficient proof for validation. I also have my public records information suppressed with XXXX XXXX and this information can not be shared. so, how are the credit bureaus verifying this informatioin