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

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Product: Debt collection

The Enhanced Recovery XXXX has been putting false information on my credit report. They said my account was opened on XX/XX/XXXX, and that I have a balance of {$2800.00}. My account was actually opened on XX/XX/XXXX. My account was closed with them XX/XX/XXXX with a balance of {$1300.00}. I've reached out multiple times to make sure these fixes were applied and to make payment arrangements. They send you through multiple options on the automated voice system and then either hang up or never answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I attempted to get my free annual credit reports online. Transunion kept trying to sell me my credit score, which I did not want. They kept asking me for information to " confirm '' my identity. Eventually I did receive my free credit report, however upon accessing my XXXX XXXX  account I discovered Transunion had, without my approval, charged my account {$19.00}. Upon checking I could not discover what service I was being charged for except it was monthly. I was unable to contact Transunion either by phone or email. I immediately contacted my bank and this charge is currently under dispute, but that is no help for me as I live on a small pension and need the money for things such as groceries. 

I had a similar experience with XXXX except they did not charge me anything. In my opinion none of the three credit reporting agencies should be allowed this kind of misleading conduct. Transunion 's site was just plain deceptive as each of the pages of information they required clearly was labeled " free credit report '' and, all three of the agencies kept trying to sell me my credit score, because a lot of the time the word " score '' was substituted instead of " report '', and one just had to be alert for the substitution. XXXX was very persistent in trying to sign me up for additional services, however they finally gave up and informed me I would have to request my free credit report by mail along with two copies of something which I have forgotten. I never gave any of these agencies ownership of my personal information, and they badly need tighter regulation, but probably will not happen in my lifetime.
Product: Checking or savings account

I opened checking and savings accounts with TD Bank. I have had nothing but problems with TD Bank since. When I opened the account, I accidently left my welcome packet behind, which contained all of my account information. I called TD bank and they put a freeze on that account and advised me to come into the branch and open a new account. Thats exactly what I did. TD initiated an investigation because there were transactions that I did not authorize. TD Bank then closed my new savings account without my knowledge or consent for some odd reason. Then placed restrictions on my current checking account. Even though there is no legitimate reason to do so. I spent over an hour on the phone with another TD Bank agent opening another savings account. The agent advised me that there are no notes stating why the savings account was closed or why restrictions are on my checking account. I checked my account balance today on my checking account and it was over drawn {$6.00} now I checked it again later in the day and now its overdrawn {$100.00}. That amount does not make any sense.TD Bank is willfully mistreating one of its customers. I have proof that TD Bank app and agents give false account balances. I deposited {$420.00} into my checking account. The charges TD bank has listed equals up to XXXX. XXXX XXXX = - {$31.00} and if TD Bank charged me a {$35.00} transaction fee then my checking account would be XXXX but TD bank charged me an overdraft fee of {$100.00}. How does that make any sense?
Product: Debt collection

I have been deceived and lead to believe that an ongoing dispute I have with XXXX XXXX XXXX through their agent Kings Credit Services was a disputed account but according to my credit report ; on XX/XX/XXXX Kings Credit Services reported a Collection/Chargeoff with a derogatory account status to my credit report. The collector never told me they would change and override the status from dispute to a negative/derogatory account, which has consequently damaged my report. This is a violation of Fair Credit Reporting ( FCRA ) by their act of dishonesty and failure to notify me of this action which also overrides my dispute and changes its status to derogatory which is damaging. 
Not only is this a violation of my rights as a consumer ; along with lying, they have used manipulative, deceptive tactics. The debt collector has even attempted to reverse my dispute demands by simultaneously failing to render receipts as evidence of a carpet shampooing charge and brazenly tells me that the landlord requests proof of receipts of this charge on my part This kind of reversal and manipulation is exploitative, reminiscent of the landlord and their reputation. 
I have substantiated my claims with photographic evidence of the carpets which I will, again, attachof the before and after my tenancy ; the landlord can not charge someone for turnover costs that constitute ordinary wear and tear. My tenancy lasted for less than a year ( XXXX XXXX- XXXX XXXX ) and I have clear photographic evidence ( with dates included ) of these carpets being left in a pristine conditiontherefore with receipts involved or not, they can not validly charge me for this. 
The alleged debt is a fruit of the exploitative practices of the landlord in question. I will not allow further manipulation and deception. 
Highlighted in my demands, Ill state again that I properly gave my 30-Day Notice to Vacate which was dropped off in person at the landlords main office ; validated by my presence and signature as well as the precondition for a XXXX-balance on the account, it was dated, and I had a witness ( co-tenant ) present, along with the co-tenants signature. Also highlighted is my detailing of the explicit instructions written on my Notice for prorated rent to be drawn from the available funds of the {$1100.00} security deposit. Ill attach a copy of the 30-Day Notice once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan mart is saying I owe money when I do not I have a vehicle that was stolen and this was 3 years ago and they are now reporting I owe them money and havent paid in 12 months this is ridiculous I spoke to them numerous times and Im try to buy house this is preventing me from get a loan I made police report as well when vehicle was stolen
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

With Respect, I am XXXX XXXX from XXXX XXXX. Today I have received my credit score report from Equifax. But as per credit score score report my total outstanding amount Rs. XXXX But as per my credit card statement it show Rs. XXXX You can see on attached file. 
As per practice of credit bureau they does not update individual credit score on monthly basis. 
Request you to take action on it.
Product: Credit card or prepaid card

Credit limit lowered below original terms of agreement until charged balance exceeded limit. Refused to resolve and demanded new application to raise limit back to original terms violating UDAPP.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax for Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to exercise due diligence in processing and reporting accurate information to my credit file.

Despite submitting certified documents, including my current lease, W-2 with complete SSN, paycheck stub, birth certificates, Georgia ID , and USPS address change form, Equifax has repeatedly neglected my requests to update my credit report with accurate information. This includes my legal name, XXXX XXXX XXXX, my address at XXXX XXXX XXXX XXXX, and my employment details at XXXX and XXXX XXXX, which are correctly reflected in my reports with XXXX and XXXX. 

This negligence violates multiple provisions of the FCRA, specifically : 1. **Accuracy and Integrity Requirement ( 15 U.S.C. 1681s-2 ) ** : Equifax is mandated to ensure the accuracy and completeness of the information it reports. The failure to correct and update my personal information constitutes non-compliance with this requirement.

2. **Procedures for Consumer Disputes ( 15 U.S.C . 1681i ) ** : Equifax is required to conduct a reasonable reinvestigation of any disputed information. Despite submitting disputes and supporting documentation three times, Equifax has failed to take appropriate action to rectify these inaccuracies.

3. **Enforcement and Non-Compliance** : Under the FCRA, failure to comply with accurate reporting mandates can result in regulatory action, penalties, and potential damages to consumers for any harm caused by inaccuracies in their credit reports. 

Equifax 's failure to accurately report this information has severely affected my ability to secure financing for both personal and business purposes. Lenders have reported difficulties in locating a credit file that matches my legal and given information, which has been problematic for accessing credit and accurately assessing my current creditworthiness. 

I request immediate correction of my credit file to accurately reflect my personal details and credit history. Additionally, I urge your office to investigate this matter thoroughly to prevent further violations and to ensure Equifax complies with the FCRA. 

Please provide a written response acknowledging receipt of this complaint and outlining the steps Equifax will take to resolve these issues promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX A XXXX ] Enclosures : Copies of supporting documents ( lease, W-2, paycheck stub, birth certificates, Georgia ID XXXX USPS address change form )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ChexSystems mailed me my consumer report which details a Suspected Fraud Activity ; Any Amounts Owed Have Been Paid Report on my account by XXXX XXXX XXXX. I believe that this report should not appear on my consumer report and lead to adverse effects on my future opening of bank accounts at other financial institutions because the fraudulent activity was reported to and dealt with XXXX XXXX XXXX in a timely manner. 

When this fraud activity occurred, I spoke with a XXXX XXXX XXXX XXXXraud specialist, explained my case in order to put them into full light of what had occurred and why I felt my account wasnt safe. Along the lines of this fraudulent activity I had noticed similar activity in another bank of account of mine which led me to a conclusion that identity theft had become the leading factor. 

Anyways, XXXX XX/XX/XXXX XXXX XXXX XXXX mailed me a letter of their decision to close my checking account in which the fraudulent activity had occurred. They even mailed me a check with the balance that remained in my account after they investigated and dealt fraudulent deposit. At this point I thought I was fine, that the risk of identity theft was mitigated and the account was closed. It was until recently that I tried opening another checking account and found out that the bank closed the account after looking at my consumer report. 

Why ChexSystems, should this suspected fraudulent activity report, that appears as Settled in Full, be appearing on my consumer report at this point in time?
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is no longer valid and other consumer reporting agencies snd TransUnion and XXXX dont update. They all havent changed my delinquent loans no longer legally delinquent but rather large loans in good standing.My XXXX XXXX XXXX is right on some reports and wrong on others a disputed account in collections involving identity theft years ago is off some reports snd not others. My phone is incorrect. 

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

I was affected by Equifax data breach and my credit was compromised
Product: Debt collection

To whom it may concern On XX/XX/2023 I've signed up with XXXX credit reporting agency for a 30 day trial to see whats in my credit report. I saw that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX have placed a negative credit on my file without them notifying me of the debt and my rights respectively, immediately I contacted them and they said that they did send the correspondence to my old address, so I told them that I've moved to another State " and you ( ASSOC CREDIT SERVICES ) know about it because National Grid told you so '' they dismissed it that that's not there problem. I told ASSOC CREDIT SERVICES that I have communicated with National Grid by email only and I only paid them online ( they did send me statements be mail as well ) however any notification has been sent by email only, and you got from National Grid my cell number and email address because it's on file there, but didn't attempt trying to reach me, they rather had everything done on autopilot thus screwing the customers in the process. 

On XX/XX/XXXX, I've called ASSOC CREDIT SERVICES to complain about it and was told that they will look into it, and on XX/XX/XXXX I called and spoke to XXXX XXXX and then to Supervisor XXXX XXXX XXXX they both told me that they are not going to work with me. Additionally they've refused to send me correspondence to my current residence. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Transunion for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via USPS certified mail tracking # XXXX. In this letter, I requested an investigation into several inaccurate items on my credit report and also disputed incorrect personal information listed on my credit report. 
To facilitate the verification process, I included copies of my photo ID, social security card, and a recent bill with my current address. 
I received a response from Transunion dated XX/XX/year> stating the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. By failing to investigate my dispute, Transunion appears to have violated my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT XXXX XXXX LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Product: Credit card or prepaid card

I requested a copy of my card member agreement for my account with XXXX to be mailed to me and XXXX denied me this.
Product: Student loan

In 2005 I wanted to attend a XXXX in XXXX, IL. The only way to do so was to take out student loans with XXXX XXXX. I know I was not educated about student loans at the time, but Financial Aid failed me, my parents could n't afford to send me to college, student loans were my only option. I want to say XXXX XXXX was the only company that would give me a loan. 

For two years of college and a XXXX semester my loan total w/accrued interest was roughly a little over {$63000.00}. XXXX XXXX would pay whatever it cost the semester then would mail me a check for the remainder of the amount. I took out XXXX {$20000.00} loans and XXXX {$10000.00} loan, and each time I got money back. I think student loan carriers should n't be able to do that. I received close to {$7000.00} at XXXX time back for a semester. I used that money to live off of because I was a student and needed the money. Looking back, the money that 's only needed for college should be directed to that and whatever money is left over goes back to the loan. Students should not be seeing that money. I wish I had done things differently, but to be honest no one prepares you for the cost of college and how to deal with it once you graduate. High school and college do not prepare you for life. You 'd think with guidance counselors and advisors they 'd help you, but they do n't go in detail about these decisions except " go to college and get an internship or a job. '' All our lives we hear it 's the American Dream to go to college. I do n't regret my decision, I do n't work in the field I received my degree. I pay on my student loan each month. This experience makes me weary of loans. I do n't believe we have to go into debt for these things. I ca n't blame anyone but myself. But going forward if there 's any money left over from a student loan you take out, it needs to be credited back to the loan company. America would n't have a student loan crisis if this was done correctly.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports XXXX, Equifax, XXXX, XXXX and XXXX are showing a Bankruptcy that was reported fraudulently on my reports receiving a letter for the United States XXXX XXXXXXXX, clearly stating they do not provide any information to the credit bureaus, therefore reporting this is from a XXXX XXXX XXXXXXXX is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX responding to a complaint I filed with the CFPB for a deletion of an account that has been reporting incorrect and inaccurate information. On XX/XX/XXXX I filed my complaint for the account of XXXX  XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX ) This account has been said to be verified and corrected but that in fact is not true. 
The Credit bureaus stated these accounts were properly investigated but how is that possible when there are still multiple inaccuracies being reported. Ive asked for this account to be DELETED. The CFPB statement response stated I asked for a corrected reported or deletion which is also false inaccurate as well. This account last payment is being reported as XX/XX/XXXX buts its showing the account was in good standing in XX/XX/XXXX. It is also being reported by XXXX that is account has been in good standing with no missed payments from XX/XX/XXXX through XXXX of XXXX is a violates my rights. All the information on this account which is inaccurate and a violation According to Cushman v Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You have violated federal law, by not properly investigating this matter. I have evidence of search via receipts you must not remove the item in any other action, or in action on your behalf, may result in a small claims action against your company I will be seeking {$1000.00} per violation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a immediate DELETION of the following accounts : XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report from XXXX, Transition, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXX XXXX XXXX XXXX  Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off my credit report.