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

XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus XXXX, TransUnion and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity IQ subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.
Product: Checking or savings account

Hi, I deposited a check drawn from my Merrill Benefits 401K Account to my Merril CMA Edge Account, and even though it was drawn from the same bank, a hold was placed on the check - and it was to be made available on XX/XX/XXXX. Now since Monday, my account has been disabled, and I have not been given any answers as to why. I have called customer service, never receiving information, expectations, or following through on what is happening. It feels as if my money is being held hostage. XXXX and XXXX, both customer service managers, promised to return calls with updates regarding my situation and then never followed through, leaving me back at square one explaining the story to a new CSR Rep and Manager. I am always left with the fact that they just noted the review would take XXXX to 2 days. I have worked in banking ( XXXX & XXXX ) and have a career in Corporate Finance. I know regulations and standard practices for corporate policies, but this is horrendous. Customer service is barely even close to the definition of the role. Keeping the customer aware and updated on information regarding their own money! It is nonexistent. I want someone to help me, please! I already paid with those funds because I was never alerted or notified of an issue with my account. So you are causing a problem with me at Merrill, and now I am a debtor to a third party. Embarrassing isn't the word.
Product: Mortgage

My husband and I have been trying to get a 30-day late payment removed from our credit report because it is inaccurate. When we have called, we have been told multiple times from XXXX XXXX ( our current mortgage lender ) that their systems do not show ANY 30 day late payments on our account and confirmed that the payment in question was received well before the end of the month, yet they will not cooperate in getting it removed. I have been emailing with XXXX XXXX with XXXX, the person we were told to speak with regarding the misreporting, yet zero help has been given. Multiple times XXXX has told us she would get her XXXX to send us something, we have never heard back and are left reaching out time and time again with no results. 
As our current lender, they are doing this knowing that we are not able to get into a better, lower payment loan with this reporting on our credit. They are effectively trapping us in this loan. XXXX refuses to give us anything but her verbal confirmation that they do not show ANY 30 day late payments, and tells us to dispute. The issue is that they know that we are not able to do this refinance if there is dispute language on our credit around our current mortgage. We are completely trapped and are getting zero help. Please see the most recent email thread with XXXX attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am once again bringing this to your attention as well as Equifax. See original complaint XXXX. Note that Equifax decided to degrade my credit value by 60 points because the government decided to defer my loan through the CARES act. I did not request this nor did I receive any deferment. Upon becoming aware of this travesty I immediately PERSISTED that the loan be taken off deferment and reported as such. I requested that my credit be reinstated to what it was before. Nothing derogative has happened since this report IN FACT more has been paid off. I demand that my credit be reinstated as it was prior to this CARES act situation. What EQUIFAX did is WRONG. The fact that CFPB is allowing this unjust act is besides me. Do not give me a blanket response that they are not responsible for down grading my credit worthiness as they most certainly are just see below screen shot as well as look as prior complaint above. 
It is VERY clear what they did and they even admitted it when I called them directly. 
What I am requesting is perfectly reasonable and just.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXX XXXX 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: Debt collection

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Attached are documents ; I want the bureau to investigate these accounts. Despite my punctual payments, they are reported as late.
Product: Student loan

I went to XXXX XXXX XXXX XXXX XXXX XXXX, ca. I was informed that once you sign up, that all of your time there would be utilized experience for your job application opportunities. Every time, after graduating from the school. They would give me a list of places to apply to. I would. Go in for the interview. Some of the interviewers laughed in my face, stating, we dont care how long youve been at that school. You dont have enough experience to work for us. Or, Im under qualified. Its embarrassing.
Product: Prepaid card

I never received a card from bank of America for Edd during pandemic. I just was made aware of this as I began to tackle my taxes I've been ill for several years and am just starting to attempt to catch up. I just found out XXXX  were dispersed to my account. I have filed a police report and fraud with edd. I have begun the claim process. Spending hours on phone in bank. They have said XXXX days to process claim. Before I get a approval or denial. I believe I qualify for a provisional credit. That must be paid within 10 days. 
I was without these funds for years when I should have had them but for BofA negligence and unethical practices which deprived me of some days even the ability to eat. I should not have to wait a moment longer. Or at least not an additional 90 days. Please help me recover my funds expeditiously. I lost my motorhome during these months. My home was taken. If I had had my edd money I could have still been in my home. BofA and their carelessness and lack of security cost me greatly. Thank you for your help in advance.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I pulled my credit reports from XXXX I have them attached. There are seven accounts that are reporting inaccurate. I know my rights as a consumer and I know that al my consumer reports must be fair and accurate. These seven accounts are reporting incorrect time frames and balances. This is incorrect information is affecting my livelihood and mode of living. I demand that these accounts are removed from my consumer reports due to inaccurate reporting. These accounts are reporting as " CO '' every month and that is inaccurate. This is causing the statue of limitations to continue to be prolonged because the time is starting over with this inaccurate reporting. I submitted these disputes to XXXX, XXXX, and Equifax because each agency is reporting this information for these companies. I have my letter, consumer reports and the laws that protect me as a consumer.
Product: Debt collection

This account is reporting on my Consumer Credit Report and is NOT MY ACCOUNT. I am aware that I am a Federally Protected Consumer and the executor. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 AND the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I am demanding this alleged account and debt be removed from my report. I am filing this complaint as my final attempt to settle this issue. If this account is not removed immediately, I will file a default judgment in the US District Court against XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX XXXX XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with Capital One Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX  and XXXX. Over the month many months I have communicated with both my credit card provider and XXXX XXXX to rectify the situation to no avail. I was initially told by XXXX XXXX that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to Capital One Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called XXXX XXXX in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back Capital One and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that XXXX XXXX would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from XXXX XXXX had told me over the phone on XXXX it would work out because Capital One Visa had notified XXXX XXXX of New Account Card number. I am lost this point hoping you can provide help at this point.
Product: Credit reporting or other personal consumer reports

experian and XXXX reporting wrong information on my credit report.
Product: Debt collection

I live in Alabama where the statute of limitations for a credit card debt is XXXX  years. I was served paperwork today stating i am being sued by credit corp solutions. The last action on the account was XX/XX/XXXX. Today 's date is XX/XX/XXXX which is clearly past the XXXX.
Product: Debt collection

I hope this message finds you well. I am writing to formally address an ongoing issue that has significantly impacted my life, and it is imperative that it is resolved promptly. For an extended period, I have been dealing with a medical debt that I firmly believe does not belong to me. Despite my numerous requests for clarification and evidence regarding this debt, your company has continued to insist that it is my responsibility without conducting a proper investigation into the matter. 

As you may understand, this situation has not only caused me emotional distress but has also placed an undue burden on my financial well-being. I would like to bring to your attention that I am a victim of medical fraud, where an individual fraudulently used my personal information to obtain medical services and build a debt under my name. This violation of my identity and trust is deeply concerning, and it is unacceptable for me to be held accountable for someone elses deceptive actions. 

To date, I have reached out multiple times requesting detailed information about the origin of this medical debt, including any documentation that supports the claim that it is mine. However, these requests have either been met with vague responses or outright denials, leaving me feeling ignored and helpless in this situation. I believe that it is your companys responsibility to conduct a comprehensive investigation into my claims and provide me with the necessary information that substantiates the validity of this debt. 

I urge you to take my case seriously and to treat this matter with the urgency it deserves. Identity theft is a crime that not only affects the victim financially but also emotionally and psychologically. I am doing everything within my power to rectify this situation, but I need your cooperation and support to move forward. 

Please consider the implications of continuing to assert that I owe this debt without thorough examination. The stress and XXXX that have ensued from this predicament are detrimental to my overall quality of life, and I am hopeful that you will recognize the necessity of addressing my situation with due diligence. 

I kindly request a prompt response to this email, including all relevant documents pertaining to the alleged debt, as well as an outline of the steps your company intends to take in order to resolve this matter. Should my request continue to be disregarded, I may have no choice but to seek legal counsel to protect my rights and my identity. 

Thank you for your immediate attention to this serious issue. I look forward to your swift response. 

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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to credit repair.com to fix my credir. Ive been paying them for almost a year and at first they were helping and my credit was going up but suddenly my credit dropped down dramastically. I called a lawyer regarsing a different problem and she brought to my attention that creditrepair.com is not actually liscensed in the state of connecticut. Now i would like my money back for misleading me into thinking they were able to help when in fact they didnt and honestly couldnt because they are not liscensed in the state i live. The lawyer that i spoke to has tried to call credit repair and no one has responded or even picked up the phone.
Product: Mortgage

I was inquiring about a streamline refinance with my mortgage bank XXXX. they required a XXXX dollar deposit to start the process. After reviewing all the information, I decided not to proceed with the loan. I have not been able to get a refund on my deposit. The loan officer XXXX XXXX XXXX XXXX will not return my calls, she sends all emails via encrypted with no code to access the email. I am requesting assistance to have my deposit returned back to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act Net Credit account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 1831386, 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 accordance with the Fair Credit Reporting act XXXX Bank Account # 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: Credit card

On XX/XX/XXXX, I purchased a {$2000.00} gift card with my Discover Card in a local XXXX XXXX. The gift card was a small wedding gift to a young couple as I was not attending the wedding, which is scheduled for XX/XX/XXXX. When I found out the gift card did not arrive at the location in XXXX, XXXX on XX/XX/XXXX, I immediately called Discover on XX/XX/XXXX, Thurs, to stop payment on the gift card so that no other person could have access to this card. When I spoke to XXXX in Billing at about XXXX XXXX, XXXX of Discover refused to stop payment. 
I followed up writing to the Discover Executive Dept. Finally, on Fri, XX/XX/XXXX, I received a call from XXXX. XXXX refused to stop payment on the card with an unsatisfactory explanation. The only reason XXXX responded was that I put in a XXXX XXXX XXXX  XXXX, Case # XXXX. 
I would like your Consumer Fraud Protection Bureau to follow up with an investigation. Something doesn't add up. For every other charge card I won, Customer Service has always made a stop payment for me in the few times I requested it over time, and, for any reason. With Discover, I requested a simple " stop payment '' on a {$20.00} XXXX charge card. I had no stake or motivation in requesting this stop payment other than to make sure no other person would have access to it should the charge be opened up by an unknown person. Please note the XXXX in which I purchased the {$20.00} charge card was kind enough to return {$20.00} in cash to me. However, this is even more reason to make sure that the credit card is not used by any other person..
Product: Credit reporting or other personal consumer reports

Experian Credit reporting agency refuses to acknowledge that I am the person who submitted my complaint and they have blocked me from following up and now I am unable to upload my disputes online. 


I am XXXX XXXX, a natural person and this is me physically submitting this dispute. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 the 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. 
Please remove the following items from my credit report, immediately : This dispute is not being submitted by a third party. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the : Experian 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 of accounts are : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 included 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 inquines 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.