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

This was originally disputed XX/XX/XXXX, then again in XX/XX/XXXX. I have now reached out to XXXX and Experian once again, today XX/XX/XXXX, and they are wanting me to start the process all over again. 

Experian refuses to update my credit report stating that the account in question is still being reported as Open. I have submitted to them, a letter from XXXX XXXX, which contains the statement " The Card is no longer active and is no longer associated with the primary Card Members account. '' I would like to note that this is an authorized user account, with my wife who WAS the primary account holder - she has since more than a year ago closed the primary account so there is absolutely no way this authorized user account could be considered active. 

Neither Experian or XXXX will communicate directly with one another to resolve this issue, leaving me to go around and around with the same information from both sides, neither making any actual attempt to correct the report and resolve this issue. 

The resolution I expect is that Experian updates their reporting to state, correctly, that the account in question is closed. I expect Experian and XXXX to work together to accomplish this resolution, as I, the Customer, should not be stuck in limbo in this way with false information being provided to potential creditors.
Product: Checking or savings account

Approximately XX/XX/2021 I opened a checking account with HSBC USA. I was eligible for an account opening bonus approximately XX/XX/2021. To date the bonus has not been paid. I have made several inquires and each time I am told it is being investigated and should be resolved in four weeks. Most recently I was advised if I did not continue qualifying transactions that I would not receive the bonus. This is misleading as I should have received the bonus shortly after qualifying in XX/XX/2021. 

I have learned HSBC USA is selling some of its retail banking to XXXXXXXX XXXX. I suspect this is any attempt to delay payment of account opening bonuses until bank ownership changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Product: Mortgage

I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/2023. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by 2 %. I was told take it or leave it. I thought a modification is supposed to help you. 

I HAVE WIRED THE REINSTATEMENT AMOUNT THAT WAS REQUESTED ; {$13000.00}
Product: Debt collection

Company sent my account to collections affecting my credit worthiness negatively. This account was being payed in monthly installments already. The balance showing in this statement is also a higher amount than what was owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 Someone ran a credit report without my knowledge or my authorization.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain credit inquiries and accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 
1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized credit inquiries I am disputing are as follows : XXXX XXXX XX/XX/year>, XXXX XXXX inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these disputed inquiries
Product: Student loan

My records indicate that I paid in excess of 120 payments towards my student loans. I qualified for forgiveness under the PSLF program. FSA Aid website indicates that my loans were paid off as of XX/XX/XXXX. I continued to pay until the covid relief started. From my understanding of the rules, I am entitled to a refund for all payments in excess of XXXX. Which means I would be due a refund for payments made from XX/XX/XXXX through covid relief in XX/XX/XXXX ( XXXX payments ). Mohela states I am not due a refund. They can not give me an explanation of why/why not. They state FSA makes that decision.
Product: Debt collection

This company is harassing me on a daily basis from morning to evening by calling me repeatedly non stop every 5 minutes, 7 days per week since XXXX XX/XX/year>. However, they never leave me a voicemail.
Product: Debt collection

I HAVE ATTEMPTED TO RESOLVE THIS MATTER AND I HAVE BEEN IGNORED
Product: Money transfer, virtual currency, or money service

During XXXX of 2019 there was a bank transfer made through a platform that traded Crypto currency. Several thousands of dollars were trading without my knowledge and since then I have rectified the situation with the company and my bank PNC. However they still refuse to allow me to trade with the company when I want to.
Product: Student loan

I feel as though I am being taking advantage of for having a good credit score and making on time payments. Since entering repayment, with a payment amount twice the amount I was quoted, they have raised my interest rate 3 times. The latest is raised to 11 %. Thus after calculating my payments I will probably never pay this loan off. They are making it impossible to pay back my debt. I find myself considering default because I would benefit more from trying to lump sum buy out a settlement than ever be able to pay off this loan. If the interest rate isn't ever capped or at a fixed rate I will not be able to pay this loan off. I feel as though this is a trap to create a deeper hole of debt for students/consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX2021. And now we are in the month of XX/XX/XXXX2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when XXXX XXXX got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
Product: Credit card

On or about XX/XX/year> I asked KLARNA for my account number so I could arrange direct payments from my bank with the goal of increasing payment in excess of the minimum payment to decrease the amount of interest I would be paying. The request was made on their internal app so there is no email record. They responded on the XXXX of XXXX stating 1 ) my type of account had no account ; and 2 ) they have no mechanism for receiving bank or additional payments. 
As KLARNA is an international company with a US office in XXXX, OH, that seemed unlikely. In an attempt to negotiate, I suggested that I would simply either mail additional payments to their home office or use their internal tools to make and electronic payment. They responded again on the XXXX that they don't accept additional payments and my only option is to pay that monthly minimum or the entire amount. 
I have attached those email conversations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Yesterday I contacted my credit card company, Discover Card, to understand the calculation behind the interest charge on my XXXX statement? It is a simple question. I requested that they provide me a daily breakdown of how the balance subject to Interest Rate is determined. Yes I want Discover to be fully transparent in how they calculate that number. I also requested that they provide me a breakdown of the how annual percentage rate ( 11.99 % ) is applied to the balance subject to interest rate. They were kind enough to deny of my request however they did give me the verbiage in the credit card statement or agreement. Obviously that is not enough because it is not transparent. I am a visual person and need to physically see and verify what they say corresponds with the mathematical commentary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I already filed one complaint on this matter and the CFPB is allowing the creditor to continue to abuse me in their calling tactics. In present day and age, any number that calls from a restrictive line and states from the creditor and must provide personal identifying information is not a good sign. No creditor should ever be allowed to secretly call its customers on the phone only to tell them that they want to discuss account but can not discuss the account information unless customer provides personal identifying information. Not a good practice. Furthermore, the creditor limits the ability to pay on loan. If a certain account is not established, you can not make a payment. The customer must either do a one time special payment or establish auto-debit. Until the customer performs extra steps or calls, the creditor tracks as past due and attempts threaten and scare tactics. This firm is now engaging in bad practices and the CFPB and other regulatory bodies are allowing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting a collection account in duplicate. In fact, the referenced account has not been updated on the credit report in one and a half years, since XXXX 2015, the dispute is XXXX, partial account number XXXX, which is reporting on EXPERIAN credit report number XXXX. This same duplicate account is already reporting to a newly assigned collection agency with the name of XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX and per my consumer credit report Transunion continues to report these fraudulent accounts. I checked my consumer credit report and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX accounts are still being reported. I have stated before that is identity theft by federal law. I never have opted in or gave any credit reporting agency my written instructions to assemble or furnish any of my personal information to any company that alleges that I submitted any request to them. That is a violation of yet another federal law, my right to privacy. These companies have my personal information, and I didn't give it to them. They are just passing out my personal info to any company that make a claim that I gave them my signature to get any information. I have never consented to have my information passed out yet alone allow my personal information out for anyone asking any persons other than myself to disclose. This consumer credit reporting agency is committed fraud by assembling a report on my behalf without my written instructions. I demand that Transunion cease and desist reporting these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have not responded with an updated credit report where they have cease reporting these fraudulent accounts. I am aware that every violation is XXXX. I only want them to follow the law and remove these accounts immediately. They've had over 30 days and I still haven ; t received any update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a letter to Experian stating their violations and ask for stated accounts to be deleted,
Product: Mortgage

Ocwen has reported my mortgage two months behind to XXXX or more of the credit bureaus. The result, is I was denied the opportunity to open up a credit card account with XXXX more companies. 

My mortgage was recently modified, and I made all of the payments required. Ocwen repeatedly violates the Fair Reporting Act by erroneously reporting late payments when in fact during the process of a modification payments are placed on hold. These continuous violations create a financial hardship on me and I need them to be corrected immediately to avoid any further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX
Product: Credit reporting or other personal consumer reports

I need you to investigate my complaint as I have bee frustrated with how this has turned out. This inaccuracy has become such a huge inconvenience to my daily living and I need you to take immediate action.
Product: Debt collection

First contact with  National Credit Systems :  This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit.     Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a text from EXPERIAN giving me my one-time code. I then received two emails from EXPERIAN that my profile information was updated and the freeze on my credit report was lifted. I DID NOT REQUEST ANY OF THIS!!! ( My identity was stolen in XXXX. I filed a claim with the Federal Trade Commission and the local police. ) I immediately responded to the email and asked that they immediately freeze my report. They are able to send me emails but yet state they have none of my information! I finally got a response from EXPERIAN this morning ( XXXX ) requesting more information. I told them I would be happy to send them copies of my driver 's license, passport and a utility bill to prove my identity but provided them with what they asked for at the time. No reply yet. 

I do not understand how someone accessed my Experian account and was able to change my profile info and unfreeze my report. My current financial institution contacted me to advise there were two requests on me yesterday - from XXXX XXXX and XXXX XXXX XXXXXXXX.
Product: Mortgage

I applied for a mortgage thru Pulte Mtg. Co. and and was given a pre approval on XX/XX/2023. All along the way I supplied the information they requested and was assured all was moving along. My home was sold and scheduled to close on XX/XX/2023 and I was to close on the new home XX/XX/XXXX. 
XXXX hours prior to closing on my home and 5 days to closing on the new home, late on a Friday evening I received a call from the mtg. rep. that underwriting determined my wife and my self were only working apprx. 32 hrs per week and that required I buy down the interest rate from Interest Rate from 5.875 % to 5.125 % which would cost me a additional {$6600.00}. I am not sure why it matters if we work XXXX hours or XXXX hours our income is the income. They had all necessary paperwork they requested long before this point. I had no choice but to pay the additional money as I was legally bound to the sale of my home and commited to the purchase of the new home. Being a FHA mtg. I thought I was protected from this kind of business practice. I am not sure if there is any resolution to this but I felt it important to notify you and hopefully not to happen to any one else. I felt I was pressured and had no alternatives at this point. Thank you for help
Product: Debt collection

Since XXXX, I have received numerous calls ( 24 hours averaging every 3rd hour ) on a debt I did not create or have knowledge regarding a XXXX XXXX account. This account is over {$2000.00} and increases by a XXXX each month. 

a. I have requested verbally and by written letters ( XXXX, XXXX, XXXX first letter ) for definition of what a " Pal Pal account '' is. Is it a short-term loan, credit account with a commercial company or credit card account. 
b. I have asked when the account was created with request for copies of the original application, which should show who applied, how applied, what data/information was entered to establish its opening. 
c. I have also requested what was purchased and to where it was send/delivered/picked-up. 

To date, I have received no information other than a demand for payment, harassment and nuisance calls twenty-four hours a day.
Product: Debt collection

Chrysler Capital added a derogatory mark on my credit report ( XXXX & XXXX ) Upon further research, the debtor could not provide me with NO ORIGINAL SIGNATURES nor contract. Debtor did not verify this collection. There hasnt been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and in fact anyone can send a bill and say its mines. According to the FCRA, Chrysler Capital has violated my rights for YEARS as a consumer and I am requesting legal action to remove this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
EXPERIAN XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Hard Inquiry by XXXX XXXX Dear XXXX XXXX XXXX, I am writing to file a formal complaint concerning an unauthorized hard inquiry on my credit reports made by XXXX XXXX. Upon reviewing my credit reports from Equifax, XXXX, and XXXX, I discovered a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

I have not applied for any new lines of credit with XXXX XXXX or any of its affiliates, nor have I given permission for any credit inquiries. This unauthorized hard inquiry has adversely affected my credit score and may impact my future ability to obtain credit. 

I kindly request the following actions : Investigation : Please investigate this matter to determine how this unauthorized inquiry occurred. 
Removal of Inquiry : If no valid authorization is found, instruct XXXX XXXX to immediately remove the hard inquiry from all three of my credit reports. 
Correction of Credit Score : Ensure that any negative impact on my credit score resulting from this inquiry is corrected. 
I have attached copies of my credit reports highlighting the unauthorized inquiry for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. Please feel free to contact me if you require any additional information. 

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

I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard inquiries : XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX via XXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX ( on XX/XX/21 ), XXXX XXXX ( on XX/XX/21 ). I would like an update of my credit report after all of the hard inquiries REMOVED.