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

I have to refile this complaint to FACTUAL DATA because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX . My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.
Product: Credit reporting or other personal consumer reports

I am reaching out to request assistance with a goodwill adjustment request I submitted to XXXX regarding a late payment recorded on my credit report. Due to a positive XXXX test and the associated financial hardship caused by the pandemic, I was unable to make a timely payment on my Bank of America account XXXX XX/XX/year>. 

In my communication with XXXX, I requested the removal of this late payment from my record as a one-time goodwill gesture, noting that this incident was an anomaly in my payment history and does not reflect my typical financial responsibility. I have attached a copy of my letter to XXXX and a supporting document ( positive XXXX test ) to substantiate my request.
Product: Debt collection

In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Experian Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. I've sent Experian Consumer reporting agency several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Experian to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report
Product: Credit reporting or other personal consumer reports

I WAS LOOKING AT MY REPORT AND NOTICE THERE WERE SOME THINGS THAT WAS NOT CORRECT. I SENT A LETTER TO XXXX, XXXX, AND EXPERIAN ON XX/XX/2024 HERE IS MY TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. IT HAS BEEN 90 DAYS SINCE THE CRA 'S HAVEN'T RESPONDED. THAT IS A VIOLATION OF 15 USC 1681i ( a ) ( 1 ) ( A ) UNDER 15 USC 1681i ( a ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( f ) AND EXCEPT AS PROVIDED IN SUBSECTION ( g ), IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OFINFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY DIRECTLY, OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE AGENCY SHALL, FREE OF CHARGE, CONDUCT REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDDANCE WITH PARAGRAPH ( 5 ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 
REMOVE THESE ACCOUNTS : 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 card or prepaid card

I order a transmission on XXXX XXXX. For a company XXXX. XXXX XXXX sale person..I order the transmission. He say it be delivered next week XXXX XXXX XXXX. It didn't came .I call his number XXXX .disconnected. So I found the business site called there number .disconnected.. 
So.I was scam no where to find..I call cash app there tell me. Sorry to here the we get back you money.refunded. .My have to wait XXXX Business days.that was form XXXX agent..as I wait I call back to see what happened. A different agent tell me I can't get my money back.which make no sense there policy says if there's a scam they will return your money. At the same time it say no it .So it sound like Cashapp scaming. People 's .It insurance by there bank for scammer protection.The just how banks works. 

Anyway .I even show them on my account it show it was refunded on XXXX XXXX.But I never see it. .I told them all I get is a rerun to the policy page from every other agent about no refunded if it a complete or cancel order.even tho I show them in writing you do. This is form of bank discrimination I feel like. You have insurance for scam protections but it's only for certain people that's not fair. All I wanted is my XXXX back. It show it was refund in my account but I never see it in my account.There have problems with XXXX  phones which I have an XXXX  phone so maybe that's was the problems I was telling them that didn't show up in my account.. Your see all the info ... Cash app having a lot of problems..just need to fix and be fair to all people 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from  XXXX + to less than  XXXX . US Bank reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due. US Bank has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 60 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. 


XXXX 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 XXXX
Product: Money transfer, virtual currency, or money service

Shut down my Venmo account on XX/XX/19 with no explanation and said they are NOT giving me my money in my account back. I have emailed them back and forth and they will not refund me my {$1200.00} and no explanation
Product: Checking or savings account

ON MONDAY XX/XX/2021 I RECEIVED A NOTIFICATION ON MY BANKING APP, SAYING MY PASSWORD HAS BEEN CHANGED, SO I CLICKED ON IT BECAUSE I'VE NEVER CHANGED MY PASSWORD THAT DAY, BUT IT DIDN'T LET ME LOG IN, BECAUSE THE PASSWORD WAS WRONG, SO I CALLED THE BANK RIGHT AWAY TO FILE A COMPLAINT, BUT FIRST I CHECKED MY BALANCE THROUGH THE PHONE AND IT WAS XXXX DOLLARS, WHICH WAS NOT RIGHT, I WAS MISSING XXXX DOLLARS, SO THEY FILE A FRAUD REPORT AND EVERYTHING, THEY SAID THEY WERE GOING TO INVESTIGATE THE FRAUD, THEN NEVER HEARD BACK FROM THEM, I CALLED ON THE XXXX OF THE SAME MONTH, JUST TO FIND OUT THEY ALREADY CLOSED MY CASE AND NOT GOING TO GIVE ME MY MONEY BACK, ACCORDING TO THEM BECAUSE I SHARED MY PERSONAL INFORMATION AND THE SCAM IS MY FAULT, WHICH IS NOT TRUE, SO I TOLD THEM I WOULD LIKE TO RE OPEN THE CASE BECAUSE I DONT THINK IS FAIR THEY JUST TAKE MY MONEY LIKE THAT, BUT THEY SAID ITS CLOSED AND I CAN'T DO ANYTHING ELSE. MY BANK IS WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, XXXX  and XXXX, and Citibank, NA XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX  of each month. In this instance a payment of {$230.00} was made and credited to my account on XXXX XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XXXX of XXXX but was and has never been 30 days late. In XXXX of XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and Citibank has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX XXXX XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX  XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX The following inquiry was no and should not be reporting.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX. I got an alert telling me there was a new credit inquiry. I immediately logged into my XXXX XXXX account and saw one main financial was listed as a hard hit. I also saw I was approved for an XXXX loan as I investigated further i saw it was for a loan that was secured and required a car title. First of all I would never apply for a secured loan and especially for one requiring a car title how can I do that if I dont even own a car. I reached out to the company and requested it be removed from my credit report.
Product: Mortgage

Subject : Problem related to inability to obtain a loan modification I have been working with BMO Harris Bank ( BMO ) to obtain a loan modification, since XX/XX/2021. Unfortunately, they have been uncooperative and unwilling to assist me. 
The process of requesting a loan modification began in XX/XX/2021 and I have submitted documents that were requested by the bank on many occasions. Some of these occasions included : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called on several occasions to find out the status of my application and wrote directly to find the status of my application as well. The last call I made I was informed that my application was denied on XX/XX/XXXX ( I believe ) because I did not provide a copy of my contract with my current employer. 
This information was not initially requested from BMO so it is unclear to me why the rules suddenly changed. I included in correspondence with BMO on XX/XX/XXXX, stating that I could not provide a contract with my employer, because I did not sign a contract. I have never been provided with a signed contract and Georgia is a " right to work '' State where an employer is not obligated to provide XXXX. In addition, I provided BMO with my bank statements showing the deposits of income received from this current employer. My monthly paystubs were also submitted to BMO reflecting the money received as well as a W2 and the pay schedule issued by my employer.

BMO failed to take the time to contact me for additional information and clarification knowing that I had been working with them consistently since XX/XX/2021. It appears that BMO 's tactic was to deliberately deny me rather than to communicate what was needed. Their reluctance to assist me during a time when I was cooperating with them gives the appearance that there were other motives for their denial.

Suddenly, I received a new application stating that I must complete the same extensive paperwork again. It makes no sense when the circumstances will still be the same and it appears to me that this is being done to frustrate me so that I will become discouraged. Instead of making it very difficult for me, BMO should be providing me with help. This practice of BMO is unacceptable and denies some customers an equal and fair opportunity to receive a loan like others. I am requesting that this matter be investigated and their practice of denying " without asking '' stops. 
It takes a lot of time to complete the loan paperwork as well provide the requested documentation for it to not be taken seriously. I spent numerous hours gathering documentation and there should be no reason for their denial. 
Your assistance is requested to receive fair opportunity to get loan modification. Thank you very much for your time and efforts.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer 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 consist of Loan account and multiple inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned Charge-Off account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

inaccurate reporting... XXXX was included in bankruptcy XXXX XXXX filed which is discharged please delete and remove in accurate reporting XXXX XXXX was included in XXXX XXXX which is discharged please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate XXXX XXXX XXXX  XXXX inaccurate XXXX XXXX XXXXXXXX XXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX XXXX {$420.00} not mine XXXX XXXXXXXX XXXX {$420.00} not mine XXXX XXXXXXXX {$870.00} not mine
Product: Credit reporting or other personal consumer reports

I am requesting that review my credit profile and identify any inaccuracies in the listed accounts. I understand that complete compliant reporting is mandatory, and any disputed allegations associated with a non-compliant account are not compliant if not proven to be true, correct, complete, timely, or mine. I request that remove any challenged or disputed misinformation immediately by fully deleting each instance, including any aspects of the unproven reported chicanery. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX I do not authorize the bureau to report non-compliant information and you must comply. 

I am now enacting my consumer and civil rights to demand that XXXX remove any non-compliant information through full and permanent deletion or provide adequate testimony to document your compliance with XXXX XXXX data formatted reporting regulation standards. Failure to remedy this will lead to my rightful civil actions to seek monetary resolution via a court in my jurisdiction. 

Please provide information on how you have verified these items, along with physical proof of verification. No entity may include adverse information that lacks physically verified validity of truth, accuracy, completeness, and compliance to XXXX XXXX standards. I appreciate your attention and cooperation in bringing my credit report into 100 % complete compliance.
Product: Credit card or prepaid card

TD retail sent a letter in the mail stating an credit card was opened. I called to state it was fraudulent, and tried to go through fraud dept to dispute. After multiple phone calls from collections, I blocked the number. Roughly 30 days after the first report, I received my first letter in the mail stating I still owe money. After dealing with 5 people and 3 different phone numbers, I was told an affidavit was mailed to me, which I never received, and since it never was filled out and returned, they denied the claim and are asking for funds. Going through the entire process again and not feeling confident.
Product: Debt collection

This company started contacting me in XX/XX/year> by email claiming I owe them a debt of {$66.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

Began receiving collection notices XX/XX/year> from Jefferson Capital Systems for XXXX account ending in XXXX. Never received late notices from XXXX after numerous requests by phone to send to me. Jefferson Capital Systems file # XXXX began sending notices and made repeated harassing phone calls after asking for XXXX confirmation of account, detailed info requested, XXXX asked to stop all harassing calls. Told me that my credit would damaged, they would contact my employer ( I'm on soc sec XXXX no employer, they would contact my landlord and inform them of debt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX datedXX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.
Product: Mortgage

I received a delinquent tax notification from my county that my taxes were not paid. Ally Bank asked me to send them a copy, I did so and they said they would make payment and that I wouldn't be liable for the penalty. I see that my tax payment was deducted from my account on XX/XX/2022, but as of today XX/XX/2022, it has not been credited by XXXX XXXX, CA. I spoke to the county last week and they said that they do not have any record of the payment. I have asked Ally to send me a transaction ID or some other proof of the transfer to see if there was some error in the account numbers or something but they keep responding by email that they have made payment and I need to follow-up with the county. I have been trying to get this resolved for 2 weeks now and they are not acknowledging there is a problem.