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

For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and I have no knowledge of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking through my report and I still notice the accounts that I've previously filed 609 on the following : XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts and addresses listed on my credit report that I have no knowledge of and that are NOT related to me.
Product: Credit card

Hi, I purchased a XXXX bike on XX/XX/XXXX, using a XXXX no-interest promotional financing offer through Synchrony Bank. The promotion expires on XX/XX/XXXX, and as part of the deal, I was given a XXXX grace period to pay off the balance, which ended on XX/XX/XXXX. 

During this grace period, I made XXXX payments : {$200.00} on XX/XX/XXXX {$800.00} on XX/XX/XXXX Even though I made these payments within the grace period, Synchrony Bank hasnt applied them to my promotional balance. They told me I need to call back to ensure the payments are applied correctly. Ive asked why I need to take these extra steps when Im paying within the grace period, but I havent gotten a clear explanation. It feels wrong that I have to intervene when the system should be able to automatically apply the payments to the right promotion. 

I was also told that theyve submitted a request to get the charges waived, but its not guaranteed. This doesnt seem fair to me, especially since I went online and made the payments. I shouldnt have to call customer service to make sure my payment gets applied to the promotional balance, especially since Im following the rules and paying within the grace period. It feels like this defeats the purpose of making the payment online in the first place.
Product: Student loan

The interest rate and charges are WAY to high, I have been paying my loan for years, 8 to be exact and it has not even put a dent in my balance. I am getting no where on this, and don't see the light at the end of the tunnel, I am very frustrated. Please help me! Also, not to mention, this is the 3rd time the loan company has switched or transferred names.
Product: Credit reporting or other personal consumer reports

The following items on my credit report are incorrect, and despite repeated attempts to correct them, they remain unresolved. 

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> I have provided all necessary documentation, yet no action has been taken to fix these mistakes. This negligence has directly impacted my financial stability, and it is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverifiable or inaccurate information. I expect a full investigation into these items and immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times ed financial with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to XXXX theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Product: Checking or savings account

1. On XX/XX/XXXX check written by me to XXXX XXXX XXXX For {$120.00} for XXXX XXXX XXXX to be delivered to XXXX XXXX XXXX. I have done this once before. 
2. I discovered on XX/XX/XXXX, that the check had been altered to {$420.00} and spoke to my banker in person who filed a claim that he faxed in that day to the bank. ( " Declaration of Unauthorized Endorsement or Altered Item '' ) 3. I received a letter from Chase sent XX/XX/XXXX asking me to fill out more information about the claim which I then sent in by mail to the XXXX XXXX office. I filled in the information that it was an altered check. Sent by mail on XX/XX/XXXX. 
4. On XX/XX/XXXX I received a second letter asking me to send in the same information as I sent on XX/XX/XXXX. I resubmitted the " Declaration of Unauthorized Endorsement or Altered Item '' form by fax on XX/XX/XXXX. Also received a letter confirming that my old account had been closed ( at my request ) to prevent further fraud. A new account was opened. Called XXXX and was told that the form was received. I filled in the information that it was an altered check. 
5. On XX/XX/XXXX I called and was told it was still pending. 
6. On XX/XX/XXXX I called my banker and was told it was still pending. Chase said the claim was started on XX/XX/XXXX and it would take 90-120 days to process. I said I would check back after XX/XX/XXXX. 
7. XX/XX/XXXX I asked my banker to check on the claim and she said she would call me back. 
8. XX/XX/XXXX banker called to say that the fraud department had not received the " Declaration of Unauthorized Endorsement or Altered Item '' form that I have already sent in three times - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I gave a her a copy of the form that was previously filled out. I asked for a meeting on XX/XX/XXXX with the Branch Manager.

9. On XX/XX/XXXX I left a message for banker and the Chase Branch Manager about when our meeting would be held. Also called the fraud claim number again at Chase, and was told that they were still awaiting a response from XXXX  XXXX XXXX ; if they don't hear from XXXX the claim may never be resolved. Then I called California Department of Financial Protection at XXXX who referred me to Office of the Controller of Currency ( XXXX ). I filed a complaint online with XXXX on XX/XX/XXXX. XXXX {>= $1,000,000}. I also filed a complaint online with the XXXX XXXX XXXX the same day. 
10. On XX/XX/XXXX I submitted a complaint to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX : {$0.00} personal These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

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

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 606 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquirer 's that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Experian is stating that " inquiries are a factual record of file '' How are these factual when I have contacted the creditors and have no account. 

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: Consumer Loan

See Case # Case number : XXXX Please add and Re-vise- This debit which they are attempting to collect is past the amount of time to collect by Illinois law XXXX and this agency is selling-off my debit as a possible current debit with wrong info and amounts, without advising me with any info or proof. Rather they find it easier to harass by phone calls in the past- at all hours of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - CARD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.
Product: Checking or savings account

My car was broken into, and Somebody stole my Identity and put fradualent checks into my account etc. they had access to my phone because it didnt have a code now I have this on my credit and I cant bank any bank accounts. Its thru bank of America I told them and they didnt do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to place a security freeze on my Experian credit report via their website at https : //www.experian.com/freeze/center.html I tried to do this three times, all unsuccessfully. Each time, the website stated that I would need to provide a police report in order to place a freeze. I do not have a police report, as I am not a victim of identity theft. However, under the Economic Growth, Regulatory Relief, and Consumer Protection Act, a law enforcement report is not necessary to place a security freeze.
Product: Mortgage

Wells Fargo still has not explained how the mortgage on my house has not changed in the past 13 years since we have been paying on it. They are a cheat company who misrepresents themselves and do nothing but cheat and lie to customers. I want an explanation as to why our morrgage has not changed in 13 years ... ..it should be less than what they say it is and they are basically having us pay 5 times the actual house cost with their lies and so called loan modifications. Our original loan for the home was not through them since I never trusted this company and I would like my mortgage sold to another company.
Product: Credit reporting or other personal consumer reports

A lot of addresses and names on the report are inaccurate and do not belong to me. I have not lived at some addresses nor have I used the names listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.
Product: Vehicle loan or lease

I leased a car from XXXX and it ended up being a horrible problem. It started having problem after problem which made me have to fall behind in payments due to having to fix the repairs. It was repossessed in XX/XX/2022 and I have tried to see what the next step was, they sent a letter saying the money made from auction will go towards the balance remaining owed. Then after that I will be responsible for remaining balance.
Product: Credit card or prepaid card

I dispute all charges after XX/XX/XXXX when I paid my balance off in full. Barclay 's has created a situation where I am unable to access, pay or review my account online or access a representative by calling. 
On XX/XX/XXXX2021 I paid off my entire balance ( {$2100.00} ) from the XX/XX/XXXX2021 bill that was due XX/XX/XXXX. 

In XXXX, Ireceivedan email saying my statement was ready and that my balance was {$23.00}. I expecteda {$0.00} balance, so I went to check the statement online and was locked out of my account. Since then, I have been trying to get through to customer service or into my account at least once a week. I have remained on hold for customer service for periods of time from 20 minutes up to 1.5 hours before needing to hang up so that I could return to work. 
Today, I started at XXXX, this time hoping to achieve a resolution by going through mastercard. The representative reached out to Barclays on her end, but said they wanted to speak to me live. She called me back with a live Barclay 's agent @ XXXX. The agent says I have a {$23.00} interest charge on the XXXX bill but is not explainingto me how I have interest on a {$0.00} balance. He continues to explain my current balance is now {$80.00} something dollars because of late fees since XXXX. I say that I dispute these charges and ask him to waive the fees. I am told that he can't waive any fees until security unlocks my account, I'm then put back into thequeue that no one has answered for the last 2 months. 
I'm left on hold for an hour, causing me to miss several work calls and finally having to hang up at XXXX without anyone ever getting on the line because I had a work meeting. 
The Barclay representative seemed well aware of how customers have not been able to get through and was even making jokes, wondering if anyone was working over there. 
I have not been provided with a statement of charges and their poor faith practices are putting my credit in jeopardy.
Product: Credit reporting or other personal consumer reports

I have several inquires on my credit report from being a victim of identity theft
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureausExperian, TransUnion, and Equifaxregarding issues I have encountered in relation to my credit report ( s ) and the handling of my personal information. Despite my repeated efforts to resolve the issue directly with these agencies, my concerns remain unresolved, and I seek the CFPBs assistance in addressing these matters. 

Issue Summary : Incorrect or Inaccurate Information : On [ insert date ( s ) ], I reviewed my credit report ( s ) from Experian, TransUnion, and Equifax, and noticed [ briefly explain the issue ( s ) e.g., incorrect information, accounts that do not belong to you, wrong balances, outdated information, etc. ]. I have made multiple attempts to dispute these discrepancies directly with each bureau, but the errors have not been corrected. 
Failure to Investigate Disputes : I initiated a dispute with each credit bureau on [ insert date ( s ) ], providing the necessary documentation to support my claim. However, each of the bureaus failed to conduct a thorough and fair investigation or provide me with adequate feedback regarding the status of my dispute. [ If applicable : Provide specific details about the dispute, including any reference numbers or case numbers you have. ] Failure to Provide Timely Response or Update My Credit Report : Despite multiple requests for updates, I have not received timely responses to my dispute inquiries. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to respond to disputes within 30 days, but I have experienced significant delays without adequate explanations.

Other Specific Issues : [ If you have any additional specific concerns or details that apply to your situation, please add them here. ] Actions Taken : I have already taken the following actions to resolve this issue : Contacted Experian on [ insert date ] via [ phone/email/mail ] to dispute [ describe issue ].

Contacted TransUnion on [ insert date ] via [ phone/email/mail ] to dispute [ describe issue ].

Contacted Equifax on [ insert date ] via [ phone/email/mail ] to dispute [ describe issue ]. 
Despite these efforts, the issues persist, and I have not received a satisfactory resolution from any of the credit bureaus. 

Desired Outcome : I request that the CFPB investigate this matter and take appropriate action to ensure that : The inaccuracies on my credit reports are corrected immediately. 
The credit bureaus comply with the FCRA by responding promptly to all future disputes. 
The credit bureaus provide clear explanations of the actions they take to resolve disputes. 
[ Include any additional requests, such as a correction of your credit score, compensation for damages, etc. ] I appreciate your attention to this matter and trust that the CFPB will help ensure that Experian, TransUnion, and Equifax adhere to the law and correct the errors on my credit report.

Thank you for your time and assistance. 

XXXX XXXX