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

i recently reviewed my credit report and noticed that this account was not reporting accurately. i had no late payment and it shows as a charge account which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX. with highest balance of XXXX XXXX and it was opened on XXXX. XXXX. XXXX this account is showing false information so i ask for an investigation on this account across all three major credit bureaus.my social security number is XXXX.
Product: Debt collection

I have a co-signed car loan with Carmax. I am not even 30 days late, and will not be 30 days late. They continue to repeatedly call myself and my co-signer more that 5 times per day. I told them they will be paid, there is no need to keep calling.
Product: Mortgage

I contacted New American Funding ( NAF ) around this date XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested to remove the insurance and escrow from my account. I contacted NAF by phone in XXXX and XX/XX/XXXX, and they stated I would receive a response via mail within XXXX business days. I have not received anything. XX/XX/XXXX, contacted NAF by email with the same request. NAF responded XX/XX/XXXX and said I would recieve a response within XXXX business days. I have not recieved a response.
Product: Credit reporting or other personal consumer reports

The account for XXXXXXXX XXXX is reporting late and was never late. This items needs to be fix on time.
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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/DEPT OF ED : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 
Remove as soon as possible!

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, credit repair services, or other personal consumer reports

Someone has my information and attempting to open accounts in my name. This is fradugelent activity & I attached identity theft report.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed that I had lost my credit card. I immediately reported it lost and requested a new credit card from Bank of America. I received e-mail notification that a new card would be mailed to me. I did not receive one, and Bank of America did not put a freeze on the account. 

On XX/XX/2020, after the XXXX holiday, I logged into my Bank of America account online. There were in store charges in excess of {$3000.00} made during the holiday week on the card. I promptly called to report the fraud, to understand why the account had not been frozen, and why I had never received a new card in the mail. They were very apologetic, froze the account, and issued a new credit card number. They also opened a fraud dispute and temporarily credited my account. 

After 30 days, I received a notice saying that my fraud claim was denied because I had made purchases at these vendors in the past. However, that is not true. Whoever had my card spent ~ {$2000.00} at XXXX XXXX, which I had not been to in recent memory. In addition, {$600.00} at XXXX, and my phone provider was XXXX at the time. I explained the facts again, and the fraud agent opened an appeal case. 

After 30 additional days, I received a second notice that the claim was denied for the same reason. I called once more, and explained the facts. I did not have the card in my possession, as I had reported it lost prior to any of these in store purchases. The fraud agent then instructed me to file a police report, which I had not been instructed to do until this time. 

I then filed a local police report, and submitted it to the fraud department. Some time later, I received yet another notice that the claim was denied for the same reason as the first two times. 

Ultimately, I ended up paying for the fraudulent charges because it would be too expensive to hire legal counsel. It is aggravating that a very reputable financial institution would handle a fraud claim in this manner. I have since transitioned my core banking to a local credit union, and will soon close all accounts held with Bank of America because of how this claim was handled two years ago. I was recently made aware that I could file a complaint with the CFPB so that at least my experience would be on the record.
Product: Credit reporting or other personal consumer reports

I declared bankruptcy in XXXX and had a vehicle loan through XXXX XXXX XXXX. This vehicle was not discharged through bankruptcy, it was paid in full. I have sent a letter from the finance company that says it was paid in full, but the credit companies refuse to change it from discharged in bankruptcy status to paid successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent derogatory entry was submitted to XXXX on XX/XX/. In response XXXX dropped my credit score from XXXX to XXXX. On XX/XX/XXXX the creditor submitted a removal request to XXXX. While XXXX did remove the derogatory entry they have not adjusted my score back to where it was. They refuse to provide me with any information as to why. This is preventing me from getting preferred interest rates on multiple transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim from the XXXX XXXX  XXXX Breech. I filed a complaint against Experian Credit with your company in XXXX for twice adding fraud alerts to my credit report without my permission and no fraud taking place. They have twice taken my ex husband XXXX XXXX XXXX XXXX bill and added it to my credit so they could illigally add fraud alerts to prevent me from buying a car. They are obsessed with my financials which is non of their business and have done everything to prevent me from getting credit. They have stated I changed my phone number which is not true. Experian has kept nearly 15 phone numbers, fraudulent addresses and credit files on my report knowing that it is fraud. Experian partnered with XXXX XXXX ( XXXX XXXX  ) to bully me so I cant pay my bills and lock me out of the system from ordering merchandise. They have left fraudulent car loans on my report after they were removed, refuse to send me statements and continue to do everything to prevent me from reporting positive. My credit was XXXX before Experian placed the first illegal fraud alert back in XX/XX/XXXX. It is XX/XX/XXXX and I am battling the third illegal fraud alert they added because they feel they can and do not care how it impacts me from buying a car which is not their business. I pay my rent, my bills and again my finances are not their concern. I got a secure credit card which is why they are doing everything to harm me and my credit. I want the illegal fraud alerts, addresses and phone numbers removed from my reports. They are the only credit bureau to continue harassing me.
Product: Mortgage

Freedom Mortgage sent me a bill for increased escrow charges, gave me the option to pay shortage or raise payment, I sent them a check for escrow shortfall, they did not credit it and raised my bill. after contacting them three times they fixed escrow lance and then charged me a late charge because they billed me for the higher monthly rate. I made my normal payment on time but they still show my bill unpaid on line. 

I pay through Bankers bill pay portal and I have two years of records of onetime payment to prove it. This firm is quite predatory and does everything it can to XXXX up payments!
Product: Money transfer, virtual currency, or money service

My account XXXX was terminated by a hacker. i m a XXXX  and XXXX  for more than 15 years with paypal and XXXX my the account was hack the money gone the account closed .Had to open another account same email and owner.Want the money for this transactions : there are 3 transactions I dont play on line video games Invoice ID : XXXX XX/XX/2020 XXXX XXXX Transaction ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX Transaction ID : XXXX for XXXX EUR to XXXX XXXX XXXX is a fraud. 
Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is a fraud Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is fraud I m a senior with limited income please help. Canot make phone calls to paypal lines are down for the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to Register with XXXX XXXX via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized XXXX XXXX in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with TransUnion, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of TransUnion when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas TransUnion has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

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

I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all XXXX credit bureaus dropped my credit score by XXXX points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding inaccurate and unverifiable information on my credit report despite multiple previous disputes. Equifax failed to properly investigate and correct these inaccuracies. The accounts in question have reporting inconsistencies across different credit bureaus, and Equifax has not provided sufficient documentation to validate their reporting. I request removal of these inaccuracies from my credit file. 

Below are the accounts and inquiries I previously disputed, which remain inaccurately reported on my Equifax credit report : XXXX XXXX XXXX Accounts ( Multiple Accounts ) Account Numbers : Ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX Issues : Incorrect reporting of late payments, inconsistencies compared to XXXX reports showing no late payments. 

XXXX XXXX, XXXX ( Revolving Account ) Account Number : Ending in # XXXX  Issue : Reported as 120 days or more past due despite a {$0.00} balance. 

XXXX XXXX ( Installment Account ) Account Number : Ending in # XXXX Issue : Incorrect late payments with no proof of missed payments. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : Ending in # XXXX Issue : Inaccurate late payments with no proof provided. 

XXXX XXXX ( Open Account ) Account Number : Ending in # XXXX Issue : Reported missed payments and overdue balance of {$930.00}. 

Unauthorized Inquiries Companies Involved : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX Consume ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Multiple Inquiries on XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Issues : I did not authorize these hard inquiries. My previous disputes failed because Equifax did not provide proof of authorization.
Product: Credit reporting or other personal consumer reports

I was in debt with Discover years ago in the amount of {$1700.00}. the credit bureau shows amount of {$1900.00} that Discover them self is not familiar with, but still keeps it on my report we had made a settlement with about remaining balance of being XXXX over a year ago and have a letter proving that. This had been disputed in a year span and no change in my credit score and Discover has no information of the balance it being {$1900.00} But still keeps it on my report the account that is being disputed about {$1900.00} doesnt have any last four digits of the account number which should be XXXX.
Product: Consumer Loan

I own a XXXX BMW X5 with VIN XXXX. The vehicle was purchased in XX/XX/XXXX and was financed by BMW Financial Services. Recently I made an inquiry to the lender to payoff the balance and possibly transfer the car to a family member. However, according BMW Financial Services, they will not be releasing the title to me upon receiving payoff, due to outstanding ( unfinished ) recall. Upon further discussion with the manufacture and dealer, I was told that, although the recall notice was sent to me in XX/XX/XXXX, about a year ago, the dealership can not complete the repair due to parts shortage. Furthermore, I was informed by BMW today that the soonest I can receive the parts is XXXX, another 6-7 months from now. The reason for the lender 's refusal to release title was referred to NHTSA 's Stop Sells order related to the recall. However, I can not find any information from NHTSA that prevents the lender to release clean title. It is NOT a sale, simply a loan pay-off. 

I feel it is unreasonable for a lender to withhold title even after receiving full payment.
Product: Student loan

They drafted XXXX student loan payments that were supposed to be refunded. In total, this is roughly {$2000.00}. I requested a refund on XXXX XXXX XXXX with an expected turnaround time of XXXX business days. It has been 165 days. I called today, XXXX and was met with brash customer service void of responsibility or empathy. She simply stated that they were busy and that it could be another XXXX business days. At this point, I feel like this company is delaying refunds until they are shut down completely and I want my money back ASAP. It took me XXXX minutes to receive this response today. I have emailed but I don't expect a competent or satisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.
Product: Credit reporting or other personal consumer reports

I've sent a letter to all XXXX bureaus with laws backing my request. Haven't heard a response or seen an update on my report. I've attached a copy of the letters I've sent to them certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts. 

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors. 

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors. 

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon. 

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, XXXX XXXX
Product: Mortgage

Was on forbearance until XX/XX/2023. Applied for mortgage modification. Was approved after agency took over 30 days to respond. The agreement received had incorrect spelling of husbands name. Reported it asap and too over 14 days to receive new agreement. Notorized agreement but was not accepted by mortgage company because second las name was written as an initial and not written. Was not aware until I spoke to relations specialist XXXX XXXX, because I never even received a letter. New agreement received and sent back notorized asap but was rejected once more because they could not differentiate a letter on my husbands written name. Now they are not explaining what I should do next as I am entitled to this modification that was already approved. So far I have not received anything in the mail.
Product: Credit reporting

The reply from Equifax WAS NOT the CORRECT RESPONSE from my complaint XXXX. 

1 ) The issue complaint Equifax to remove XXXX from my credit reporting just like Equifax removed other creditors from my bankruptcy Chapter XXXX. 
2 ) I did not had to contact my other creditors to have items removed from my bankruptcy, however, Equifax did removed other creditors that was associated with my bankruptcy. 
3 ) Equifax refusal to correct this problem is a clear action on their part of unfair credit rating with discrimination damaging my credit rating. 
4 ) Equifax refuse to reply with the correct response also clearly is action that they do not want to correct the issue with my credit rating. 

( see attachment : cover up other creditors to prevent Equifax from adding back other creditors on my credit report or committing another unfair action against my credit report ) Thank you 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. 

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 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 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 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 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 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 15 U.S.C 1861 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed physical copies of my original bankruptcy filing to Experian, XXXX, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my hospitalization and health issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. XXXX reported the bankruptcy as " verified '' 3. Experian had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of XXXX.