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

I have been trying to repair my credit for the last year and I am trying to buy a home, however the three credit bureau 's have been reporting different credit scores, I have been repairing because I want this cleared up and also want to buy my home. Seem like they take 30 to 40 points off my score and drops it way back down, however all my payments and credit cards are all paid up and I only get a 3 to 4 points increase that's just not right and want this fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX****** XXXX
Product: Credit reporting

Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years.
Product: Credit reporting or other personal consumer reports

I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX based on the Citi Bank new checking online promotion for a future bonus payment of {$1000.00}, I followed the application and promotion instructions as required by Citi Bank. I proceeded the application process with several phone calls to Citi Banks Customer Service group to verify the promotional offer and requirements. Upon completing the application, I received an approval with no mention of the promotional bonus offer. When I called to inquire about the missing offer confirmation, I was told that the account would not include the promotion bonus. This " bait and switch '' tactic to attract new deposits by Citi Bank is deceptive, unacceptable and unethical!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Balance Owed : {$0.00} Lste/Closed Inquiries in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Well this happened 2 years ago but I contacted them a soon as I seen the transaction had posted since I had my security alerts sent to my phone, so every time I made a purchase it would send me an alert straight to my phone, well anyway I was at work when I had received an alert that someone had withdrawn {$60.00} then {$200.00} not including the {$1.00} fee for trying to see my balance but it's weird how they managed to take my funds from my account If I had my debit card with me. Long story short like I said I contacted them and i told them what had happened they supposedly they submitted a dispute and i was supposed to receive some letters in the mail regarding the incident but I never received anything and I've tried to contact them almost every day but couldn't get thru to them now it's been like I said 2 years and now they're telling me that they can due anything about it but see thats not fair cause I told them a soon as it had happened. Is there any possible chance for me to still get my funds.
Product: Credit reporting or other personal consumer reports

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Product: Student loan

Loan Original Disbursement - {$21000.00} - Payments made towards Loan - {$14000.00} This loan has been on repayment and throughout time I have paid off {$14000.00}. However I still have an unpaid principal amount of {$32000.00}. The interest rate, fees and terms seem to be a scam. My remaining balance after interest should be hovering around $ XXXX instead it is nearly {$33000.00}. The loan is making around {$25000.00} if I pay off the loans currently OR if I continue to pay off the loans the company is making nearly {$36000.00} off of a {$21000.00} original disbursement. This is disheartening as the {$14000.00} payments that have been made seem to have gone no where except to a entities pocket. Please inform me what can be done to bring my remaining balance to a manageable number as I have nearly payed off the original disbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed that there are some invalid inquiries on my credit file. These are affecting my credit health drastically and are detrimental to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 of information 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 a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance 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. 

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 XXXXXX/XX/year>
Product: Mortgage

I submitted a short sale on my property a few months ago to my mortgage servicer Wells Fargo. Wells Fargo countered the offer 5 weeks ago, the buyers countered back. The offer is almost the appraised value, off by maybe {$2000.00}. Wells Fargo will not reply now to phone calls or emails. Its been nearly 4 weeks with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, Experian, and XXXX  that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Mortgage

On before XX/XX/year> I never received my notice to cancel per XXXX  and a loan servicing never filled out XXXX form for foreclosure which makes foreclosure invalid
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I have sent in Multiple disputes about following items on my credit report. and I am getting Extremely furious that nothing is being done, those accounts I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Furthermore, I have attached a police report and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XXXX   XXXX   XXXX  my Transunion credit report is showing my loans twice.   I am in the process of consolidating my student loans with  XXXX   XXXX , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping my  credit score ( FICO  )  XXXX  points!!   I can not do another dispute with Transunion due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score wa s disheartening.     I need to have these "   XXXX   XXXX   '' removed from my report ASAP.     Thank you.
Product: Credit card or prepaid card

I changed my address on file with this lender as I am temporarily living abroad at the moment and it would make it easier for me to receive my mail. Much to my surprise, when attempting to use my card, it got restricted. I attempted to reach out to FNBO twice and I was told everything should be okay and my activity would resume within 2 minutes time. When that did not happen, I contacted again to be told in a derogatory tone that someone living in XXXX ( this was referring to me ) had attempted to call multiple times before about this matter and that my account was still on hold. I would like to add that I passed every single verification question presented to me. 

Much to my surprise, my account has disappeared from my online area and I am being told that a research department needs to review the fact that I have a foreign address. And that I attempted to do a transaction larger than my credit line ( {$3000.00} attempted transaction when my credit line is of {$2800.00} ). For this lender, these are " red flags ''. 

Since opening this card in 2017, I have never been able to get a credit line increase with this lender. I have consistently experienced a discriminatory tone when speaking with FNBO representatives due to my XXXX name. My account is equally frozen or restricted whenever I travel despite maintaining a consistent payment history. 

I do not think this is acceptable and I believe I am facing credit discrimination. 
I have heard the lender make negative comment about my national origin ( XXXX ) and I being refused access to my credit card even though I qualify for it. I have passed every single verification question presented to me and it is my belief that I am being denied access to my credit card account for discrimination reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penny Mac reported to the credit bureau that my mortgage had many months of missed payments along with my loan not being payed off. This has become an issue in my new loan for another home. As this loan is payed off and penny Mac said I made all payments. Called pennymac multiple times to get a letter and they can not fix it. They said they would call credit Bureau however did not update me with any information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Debt collection

I checked my credit report and there are 2 negative inquiries that are affecting my credit situation, it is showing medical debt collection, I first contacted XXXX XXXX XXXX to ask about this because I have been paying my medical bills directly onto the website ; I have not seen this last amount, so they told me that the account went to the collection agency Accounts Recovery, phone XXXX. 
I need this debt to be out of my credit report.
Product: Credit reporting or other personal consumer reports

Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the XXXX Credit Bureaus conduct an investigation into the fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On or about XXXX, XXXX my wife was approved for a new car loan from JP Morgan Chase, of which I am the co barrower. Ach payments were set up to have been automatically withdrawn from our joint XXXX XXXX checking account by my wife, in order to never be delinquent on the new car loan from JP Morgan Chase. Chase did in fact receive the payment for XX/XX/XXXX from XXXX XXXX without any problem. However the payments for XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, once issued by XXXX XXXX, and received by Chase Bank was not accepted by Chase, and without any notification, nor explanation, the payments for the above stated months were all returned to XXXX XXXX! This error which has been caused by Chase, currently appears on both my wife 's credit, as well as my own, which has adversely effected our credit score! My wife 's credit score was over XXXX points, and my score was over XXXX points. We now are being punished for a problem that was caused by Chase, and not by my wife, and I. Almost all of our credit cards have been reduced to {$500.00} because of the appearance of being delinquent which has been reported on the credit reports. And our ability to obtain any personal loans, have been impossible to obtain, again because of what Chase has reported to the credit companies. I have tried several times to resolve this issue with Chase, by having 3 way phone conversations between XXXX XXXXXXXX XXXX JP Morgan Chase Bank, and myself, but to no avail. Representatives from Chase have even told me that if I could provide documented proof of their error, they would in turn contact the 3 major credit companies with the updated and correct information, and that they would have the report of delinquency removed from my wife, and my credit report. and after I have gone into a Chase branch office, and provided them with photographic proof of Chase Bank 's error twice, this promise has not been fulfilled. Please note, that once I became aware of these actions caused by Chase Bank... I paid the account out of my Chase checking account in XXXX of XXXX, which brought the account to the status of current, and it has been current since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX was Removed and deleted off all three credit bureaus and now theyre reporting a new account with a new balance on XXXX Experian and XXXX XXXX I already requested a proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. I never received it. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account NumberXXXXXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 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. 1681s-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: Student loan

They give the run around refusing to give me data when they made so many mistakes.Making changes to work against me and my family causing hardship.
Product: Mortgage

XXXX Mortgage informed me that my taxes increased from {$6700.00} to {$16000.00}, which was incorrect. This mistake caused my escrow account to go negative. They told me they would correct the error by adding the overage amount to my mortgage payment over XXXX  months. I followed this plan and have made XXXX payments so far, but I was never credited for the corrected amount. The following year, they repeated the same process, adding an additional XXXX payments to the existing XXXX, yet again, I did not receive any credit. Now, in the XXXX  year, they are claiming there is another error and plan to increase my mortgage payment by {$470.00} to address the issue.