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

N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX N.3- Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy
Product: Debt collection

I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Transunion, XXXX Date : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX I am disputing the following account in my credit report. I have been living in XXXX since XXXX and the Account information that you have on record for the following accounts needs to be removed because these account do not belong to me. These accounts are identity theft XXXX XXXX XXXX  : Reason- this account is not mine 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  Account is mine XXXX XXXX XXXX Neither of these accounts are mine The Public Records section of my credit report needs to be cleaned up as well. Please remove the following addresses on my Credit Profile XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, OK XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX NY XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family My date XXXX XXXX XXXX XXXX Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive placed a fraud alert on my credit file. Equifax is still allowing my report to be pulled without my consent. Its been people fraudulently pulling my report. Please help me with this, this is a volation Per FCARA. I must look into getting legal help with this. The following inquiries are 1 XXXX XXXX XXXX 2. XXXX/XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It's XXXX inquiries that I'm just now seeing on my credit report from almost XXXX years ago that's not connected to any open account. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I filed for identity theft. Please investigate this and remove from my account please.
Product: Credit card or prepaid card

They helped me with my payments however I ni can not log in. They deleted my email and phone number associated with the account so I can't get the text or email code in order to make my payments online. They're are doing everything they can to make me late, hit my credit and get late fees. This is absolutely not okay. We've had nothing but issues with this horrific company. I have cards through them for XXXX, Victorias Secret, XXXX and XXXXXX/XX/XXXX that they have done this with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  ( Original Creditor : XXXX XXXX XXXX  ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was laid off of work. I contacted Wells Fargo Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

Write of Execution XXXX. XXXX XXXX XXXX  is refusing to update the credit file. I have requested it several times and each time they continue to say I owe a past due balance of {$7400.00} and that the account was charged off as a bad debt. They agreed to a payoff amount of {$5900.00} on XX/XX/2024 with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it was paid in full to the XXXX XXXX XXXX XXXX via Certified Bank Check from XXXX XXXX XXXX XXXX and processed through the court system. I have even filed disputes with all three credit bureaus. They have refused to update the account information, even with documentation to prove it was paid to them. They need to have my credit file updated to correctly show the account is paid in full. They also need to ensure it is not updated incorrectly again at the first of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to Equifax, XXXX, and XXXX  since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting or other personal consumer reports

My personal information was sold and used illegally to a XXXX party company and reported on my credit as a charge off.
Product: Credit reporting or other personal consumer reports

Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in an ID Theft Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the dates is this inquire is XX/XX/XXXX.

The next inquire is XXXX again XX/XX/XXXX.

The next inquire is XXXX on XX/XX/XXXX The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XXXX dated XX/XX/XXXX The next inquire is XXXX and that date is XX/XX/XXXX That next inquire is XXXX and the date is XX/XX/XXXX The next inquire is XXXX Ca ans the date is XX/XX/XXXX The next inquire is Capital one and that date is XX/XX/XXXX The next inquire is Capital Ome and the date is XX/XX/XXXX The next inquire os Capital one and the date is XX/XX/XXXX.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account that has not been honored by the bank, compounded with a distressing lack of adequate customer service. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The advertisement promised a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. I took steps to meet this condition and kept the required balance in the account for the specified time. 

My account opening process commenced in late XXXX, but the completion of the process was delayed until XXXX due to the bank requesting additional documents. The bank 's agent informed me that the promotional offer would end by XXXX, but I was not informed of this during the account opening procedure, or of any potential issues that might arise due to the delay caused by the bank. 

Upon contacting the bank to inquire about the missing bonus, I was told that the promotional code had expired at the time of my application. This was not communicated to me during the account opening process, which I find to be misleading and disconcerting. 

Adding to this, my attempts to resolve this issue through their app and via phone calls have been unfruitful. When I sought help through the app by typing " missing open account bonus, '' it only provided instructions on how to open an account, repeatedly. Even when I typed " agent, '' there was no adequate response or help provided. 

My phone calls to the bank were no better. I spent more than XXXX minutes on the call, being transferred to XXXX different representatives, each time having to explain my situation anew. Unfortunately, none of them could provide assistance or resolution, leaving me frustrated and upset with their service. 

Thank you for your time and attention to this matter. I trust that the CFPB will act in the best interests of consumers like myself. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXXXXXX 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 XXXXXXXX, Account XXXX XXXX 15 U.S.C. 1681 Section 602 A :. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have two issues with this bank that goes into the quality of Comenity Bank 's ( " the bank '' ) internal controls : ( XXXX ) I rendered a payment of the statement balance via my bank 's bill payer account. Even though the payment was delivered last week, the bank alleges non receipt while all of the other accounts had their payments applied properly. I was forced to reissue the payment and have my issuing bank stop payment ( fee of {$35.00} ) and reverse the payment. ( 2 ) Comenity acquired my XXXX XXXX account from XXXX XXXX XXXX. Although the bank alleges that the card had been issued, it was shown that this had not occurred - requiring a reissuance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 FCRA Act section 611, gives you the right to request an explanation of the verification method used by the CRA
Product: Bank account or service

I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can not
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden XXXXXX/XX/XXXX card account. To this day the company continues to report to Experian and XX/XX/XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.
Product: Checking or savings account

Received several welcome emails yesterday ( XX/XX/2023 ) informing me that an account had been opened in my name, that I may download the app, set up direct deposit, and a debit card was being mailed to current home address. I have not authorized the opening of this account. 

Reluctant to give out any additional information, an email was sent requesting the closure of this account and related information such as where the account was opened. Received confirmation of account closure, but no additional information shared without more personal data or this report.
Product: Debt collection

My credit report has been hurt because of this, and I need a position and better help from XXXX since the service covers me and the charging as the report on my credit score is unfair and is prejudicial for me because they never submitted the claim through the insurance company and even acknowledge me before submitting through the collection debt company
Product: Debt collection

I was notified by XXXX XXXX courts I was sued by XXXX XXXX XXXX for a credit card debt that was not on my credit report, I have no knowledge of this debt and they froze my chase account and took XXXX. I went over my credit report and this account was charged off in XXXX. It's over the XXXX year debt and it's violations of my consumer rights. 

When I called the attorney XXXXXXXX XXXX XXXX I was told I should have showed up to court and got hung on. I called back and tried to tell the office they have the wrong person and was told they do investigate and its my debt. 

I never heard of midlanding funding LLC. I tried calling there company was giving the run around In the last XXXX years I have been battling XXXX and was in and out of the hospital. They took my whole XXXX check, and left me with nothing. 

I requesting my money back in the amount of XXXX How can you sue someone for debt that never appeared on your credit report or charged off. 
This is the paperwork I received in the mail after I called and called each company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete!! 

Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was contacted by credit reporting agency of collection reporting. Never was contacted by Cedar Financial at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are Two Bankruptcy on my Equifax report where I have no Bankruptcy on XXXX and XXXX so why are two BK showing on my credit file I disputed and they came off my Equifax then a 3 month later they added the BK back on How can Equifax report a BK and XXXX and XXXX   dont have a BK for me this is A Huge Mix up Im going to hire a Lawyer to help me also I been disputing the matter for 1yr 1/2. Can you please help me also I can show you proof I have no BK on XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : 1 ) REGIONAL ACC : Acct # XXXX 2 )  XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  XXXX ( XXXX XXXX XXXX  ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, LOUISANA XXXX