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

About XXXX months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of XXXX XXXX, I'm still in that process and have not been able to secure this loan. 

The reason my loan is taking so long is because I have two 30 day lates on my credit from a XXXX XXXX credit card that I've had in my name for over 10 years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time. 

Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed.

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail.
I'm simply trying to get these two incorrect 30-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Product: Credit reporting

I obtained my credit report and discovered multiple errors. I sent a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017 and it was signed for on XX/XX/2017. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for a few days later stating that I was again requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated nor verified the public record entries on my credit report, and that they do n't report to the credit bureau. They further more stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TransUnion, and XXXX Subject : Demand for Removal of Fraudulent Credit Inquiry Within 30 Days Dear XXXX  XXXX and Credit Bureau Representatives, I am formally requesting the immediate removal of a fraudulent inquiry from my credit report, which resulted from an incident of identity theft. As the documented victim of this crime, evidenced by my Federal Trade Commission ( FTC ) identity theft report ( Report Number : XXXX ), I am exercising my rights to ensure the protection of my financial identity and credit integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the consumer credit reporting agency, TransUnion for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent TransUnion was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find attachments detailing the inaccuracies in reporting on the my consumer report and the validity of the investigation i.e letter from the XXXX court stating that they do not report bankruptcy proceeding to the credit reporting agencies. With that being known the previous complaint was closed stating the bankruptcy was verified. Who was the company that verified the bankruptcy? I submitted a dispute on a XXXX that is appearing on my credit profile to all XXXX credit reporting agencies. After doing an thorough investigation XXXX saw enough evidence to remove the item from my consumer report. This same item was verified as accurate by XXXX and Experian which begs the question was this item properly investigated by these reporting agencies. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. ( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer. 
I sent in a dispute to XXXX XXXX as well knowing that this is the secondary reporting agency that verifies these accounts to the credit reporting agencies. XXXX stated in an attached letter that they don't have record of this bankruptcy and didn't verify this account to the credit reporting agencies. 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. This information is not the same on all XXXX CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The mere fact that this account was removed from XXXX and is still reporting on XXXX XXXX  Experian is the reasonable cause to believe this account is inaccurate and should be removed from my credit profile.
Product: Student loan

Per the requirements I have been sending payment with instructions to Navient as how to specifically allocate the payment, starting with the XXXX loan ( by name and number ) and allocating all fund required to pay off that loan, and then moving to the next. I do this each time I send in a new payment. XXXX out of XXXX times I have done this, Navient has not applied the payment correctly. I have had to email them and request that they go back and reallocate the payments as I instructed in my letter. This, to me, is not only illegal, but extremely deceptive. I have followed all their requirements with each letter ( I have saved copies of each ), and yet, they continue to apply the payments to lower interest loans not specified in the instructions. Only after I send them an email threatening to report them do they re-allocate correctly. I, personally, am tired of having to do this. Navient is not only ignoring the initial instructions, they are breaking the law. I truly hope this will be looked into ; I am sure there are students who send payment and do not double check that the amounts were applied correctly.
Product: Debt collection

I have requested a breakdown of the medical debt for my son and have yet to recieve the requested information. They do not have my name correct and go into details regarding the debt without verifying my identity. 

I have informed the company that the amount is under dispute with my insurance since the initial claim had not been submitted. After I requested it breaked down a benefits They still attempted to collect a payment. I continue to receive calls as shown in my screenshot This complaint will accompany a complaintthat i'm filing for qualified emergency specialists.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the XXXX XXXX XXXXXX/XX/XXXX2023 should be updated to " paid as agreed and never late ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts that my credit was being accessed by XXXX  XXXX XXXX on XXXX. 
I immediately called XXXX today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from XXXX came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w XXXX on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX  XXXX and a few other creditors who alerted me that XXXX checked my credit again today. So I don't care if XXXX doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at XXXX who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.
Product: Credit reporting or other personal consumer reports

I have never authorized anything from this company. I have no idea what this inquiry is. Unauthorized use.
Product: Vehicle loan or lease

On XX/XX/2019 XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX  XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. 
- Overstating income for applicant # 1 in the amount of $ XXXXmo as retirement income when applicant # 1 works full time making only $ XXXX/yr. 
- Overstating housing expenses of applicant # 1 as $ XXXXmo in rent when the home is owned free and clear. 
- Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. 
- Overstating income for applicant # 2 in the amount of $ XXXXmo working as a XXXX at an XXXX XXXX  when applicant # 2 is a XXXX  speaking XXXX XXXX. 
-Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. 

Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX  's sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with First Horizon Bank. On XX/XX/2020, {$300.00} was fraudulently withdrawn from account using the debit card. I called, on XX/XX/XXXX, the bank 's customer service to report fraud. They identified the transaction as being fraud. The representative mentioned about receiving an internal email that this company was posting fraud transactions to multiple customer accounts. I was assured a credit would be posted to account. I checked On XX/XX/XXXX and the credit not posted. I called the bank again. The representative said an email was received on Wednesday that all credits should applied. I asked why the credit was not posted and was told they were in process. I asked to speak to a manager, but the representative refused to transfer to manager. After asking to have the call escalated for more information, the rep refused to transfer the call. I asked 3 additional times, then the rep took y phone number and mentioned a manager will call with in 24 hours. I have never received a call. I checked the account balance XX/XX/XXXX, and the credit for the fraudulent transaction still has not posted.
Product: Checking or savings account

The following complaint was also filed with The Office of the Comptroller of the Currency on XX/XX/XXXX. 

I recently renewed an existing Capital One CD, with a 5.00 % APY. I renewed for a 14 month term at the advertised APY of 5.30 %. The ad on Capital Ones website said that the promotional rate would expire on a date beyond my existing CDs Maturity Date of XX/XX/XXXX. Prior to my existing CDs maturity date Capital One sent me a few emails to remind me that my CD was about to mature, and urging me to Auto Renew at their promotional rate. 
In XXXX I spoke with XXXX and XXXX in Customer Service to confirm the rate, term, and renewal procedure. I was told that it would be best to renew via the Maturity Options tab on Capital Ones website. Several days prior to my maturity date, I set up the auto renewal, but continued to monitor the rate through XX/XX/XXXX. It remained at 5.30 % APY. I did not check the rate again until I did my monthly accounting on XX/XX/XXXX. 
On XX/XX/XXXX, I checked my account and noticed that they were showing my rate as 5.23 % APY. I didnt have the time to call Capital One that day, knowing how difficult it is to get through to a live person. On XX/XX/XXXX, I checked my account again, and this time they showed my APY as 5.10 %. At this point Id had enough and called Capital One. I was told by XXXX that they ( Capital One ) could change the rate at any time, for any reason, prior to renewal. Im paraphrasing, but you get the idea. XXXX did acknowledge that the promotional CD rate was still at 5.30 % APY as of XX/XX/XXXX. That call lasted XXXX minutes. 
My position is that I tracked the rate all the way to my Maturity Date and didnt see the need to track it further. I feel that I did as much due diligence as a consumer should be expected to do. My money was already with Capital One when I auto renewed at 5.30 % APY, so there was no lengthy wait for an ACH Transfer to fund the CD. Capital One contends that the rate changed at XXXX am on XX/XX/XXXX, and they were not obligated to give me a heads-up that it was going to change, or that it had changed, even though they knew I was renewing an existing CD specifically for the advertised rate. Assuming the Reps I spoke to had no idea that the rates were going to change, I believe they owed me an email, letter, or phone call, letting me know that the rate had changed on the exact date of my renewal. XXXX knows they are not shy about emailing clients when they want something.

Im not new to opening CDs, as I have opened and/or renewed dozens of them over the last 20 years. That being said, Ive never dealt with a bank so overtly unethical as Capital One. This was a prime example of a classic Bait and Switch, and judging by the XXXX of XXXX XXXX XXXX that are posted online, Capital One has been pulling this nonsense for years. At worst, their actions, or inactions, constitute a beach of law. At best, XXXX XXXX business practices and lack of ethics should be scrutinized by The CFPB. 

I have attached my CD Account Information, For some reason Im locked out of the XXXX Statement which showed a rate of 5.23 % APY
Product: Credit reporting or other personal consumer reports

I was completely stunned this morning when I discovered inaccurate accounts on my credit report, with no explanation as to how they got there. I check my report consistently, and everything has always been in order, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was some kind of technical glitch, but the incorrect accounts were still present. Now Im left feeling frustrated, and Im requesting that my documents be closely examined to resolve this once and for all.
Product: Credit reporting

Transunion would not provide me with a dispute number. I also tried to dispute it with XXXX and XXXX but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
Product: Debt collection

CIG clearly is represented by individuals who are XXXX  of the laws which govern the company. XXXX  however, does not excuse unruly behavior in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXX  account # XXXX 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 reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.
Product: Credit card or prepaid card

A credit card with COMENITY CAPITAL BANK/Forever 21 shows as an open account on my credit report but I did not open this account. I tried to call the bank to cancel and gave my social security number, address, telephone number and zip code and they did verify the account exists but said it is not in my name so they will not allow me to cancel it. I tried every variation of my name possible and they simply said that since it is not in my name, even though it was opened using all of my other personal information, they will not be able to access it without the correct name and I would have to try to cancel it through you. I don't know what to do to remove a fraudulent account using my information but someone else 's name. I tried the customer service and the fraud department with Comenity Bank and Forever 21 and they both declined helping me.