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

I have had a credit freeze on my account for over 10 yrs. I went to experian for information, and noticed a statement on the online page for my account stating " your file is unlocked ''. I don't know how long this has been the case, but is definitely incorrect. 
I attempted to phone experian, but it is almost impossible to get an agent on the phone. I had to pretend that I have a child who has been fraudulently exploited before I could get to a phone prompt allowing me to ask for an agent ( after 20 minutes of trying ). They need to provide a phone number with access to personnel to resolve issues other than those provided by their automated 'phone answering system '. 
Also, upon accessing your account, the 'splash page ' ( from which you must select an option ) only provides 2 options ... .continue with my current account or upgrade to premium. To my knowledge I do not have any 'account ' with Experian . There is no option to discover what I am being forced to agree to! This seems very underhanded and provides no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I recently ordered copies of my credit reports, and i discovered numerous accounts that do not belong to me, which means that i am not the one who opened these accounts. I am a victim of identity theft. I then mailed a priority letter containing Copies of My Current Driver license, Social Security Card, FTC Affidavit, Police report & lease or previous address XX/XX/year> to all parties listed below. XXXX XXXX XXXX XXXXXXXX, XXXX, Experian and other Fraudulent accounts reporting on my credit report that has been removed. The documents received were not attached properly to XXXX XXXX XXXX  account due to the mis handling of XXXX, Instead it was improperly reviewed & closed. The documents are with in there system File # XXXX Item # XXXX confirmation # XXXX were said to be attached to the reopened dispute since XX/XX/year> but was not until today. I have put security freezes on all secondary bureaus as well. This is hindering me
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to section 609 of the FCRA im entitled to records from the credit reporting agency with regard to my dispute against XXXX XXXX. I would like a copy of the certification.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX Account Number : XXXX XXXX 's Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt claimed by Jefferson Capital System be physically verified and that I receive a copy of any and all signed consumer I have on numerous occasions ask for verification on this account that is showing on my credit report for contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$650.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXXXXXX Balance : {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Equifax disputing things on my credit report and have not received anything from them about results.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, TransUnion, and XXXX are reporting bankruptcies on my client 's credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. TransUnion is falsely reporting this information on my client 's credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Mortgage

We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice of Claim for damages XXXX claim for privacy act law violations, notice of violations of credit reporting and 3rd Party selling of private information, violations of terms and agreement
Product: Credit reporting or other personal consumer reports

I have contacted the CFPB on XXXX in regards to the account XXXX XXXX XXXX. I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet you refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report. The consumer reporting agencies are governed by the FCRA therefore if XXXX has completed an investigation and deleted this account then you also have to remove it as well. I am demanding the immediate removal of this account. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Stellantis Financial Services due to inaccurate and inconsistent reporting of my account balance to the credit bureaus The balance/amount reported to ( XXXX {$17000.00}, XXXX {$17000.00}, XXXX, XXXX {$17000.00} ) does not match across all three credit reports. They also reporting a different amount with ( XXXX XXXX XXXX, XXXX {$14000.00} ) This discrepancy is negatively affecting my credit score and financial standing. 
Details of the Dispute : Stellantis Financial Account number XXXX Stellantis FS has reported different balances to the four major credit bureaus, creating inconsistencies in my credit profile.
Product: Checking or savings account

I have a side hustle from which I have a licensed and insured trade. Everytime I make a deposit they hold my funds. Usually before a holiday or a weekend and it extends beyond 10 PHYSICAL days. I need access to my money. In over twenty years Ive never had an issue with bad checks. Clients have told me their funds were withdrawn but my money is still delayed. Please make Wells Fargo decease holding my money. Thank you.
Product: Debt collection

I have been a paypal account holder since XXXX. In XXXX, my paypal account was deactivated ( without explanation ), locking me out of my account. 

I have repeatedly to access my account, contact paypal, and have my account unlocked and have since received funds into the account for which paypal will not let me access. 

After more than 10 calls, I was finally transferred to an external party which noted I had 'collections ' on my account in the amount of ~ {$60.00}. The individual at the debt collection firm spent almost 45 minutes on the phone with me trying to understand what my collection was for. I was supposed to be provided evidence of the case, and more than one year later, have still not received any information from the debt collection agency, from paypal, or from any other source. 

I am a XXXX XXXX XXXX and have no clue 1 ) why my account was suspended, 2 ) why it has been on placed for collections, and 3 ) what is being done about the situation. I provided all needed information and requested clarity on why my account was locked and what this was for. 

Unfortunately, more than a year later, paypal will not speak to me, and transfers me ( continually ) to  an outside debt collection agency for charges I have yet to have seen, while simultaneously locking me out of my account with no explanation. 

I have no clue what charges are being referenced and have a perfect FICO score. I can no longer tolerate paypal to lock me out of my financial account with 1 ) no comment on why my account was locked, 2 ) use of a debt collection agency which can not confirm on charges posted, and 3 ) prohibit access to my account and funds. 

I need to access to my account, the funds held within the account, and interest on those funds that have been inaccessible for more than a year.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I used a B of A XXXX  card to pay for a spa cover on XX/XX/2022 from XXXX XXXXXXXX for {$350.00}. They delayed shipping, after numerous calls and emails, they have failed to send me anything. I asked for a total refund. they said they would send my refund in XXXX. I have not heard anything, and i dont expect to. I contacted Bank of America XXXX, and they are saying the date was beyond 2 months ago. 
Well, there was no way i would know how long this would be.
Product: Debt collection

This complaint is in regard to a previous complaint # XXXX to Speedy Cash. I thought it was resolved where Speedy Cash accepted the complaint by CFpd as fraud and I was not responsible for the amount owed of {$1200.00}. However now this was reported on my XXXX  report after that report of XX/XX/2021. Speedy Cash/Curo XXXX XXXX, flagged your account as 150 days past due on XX/XX/2021. XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX, XXXX XXXX XXXX ( 150 days deliquent ) balance date XX/XX/2021, Balance {$1200.00} ... I hope this can be resolved and updated on my three credit reports..surprises keep showing up.. Thank you for your further assistance in the problem of fraud, opened by some unknown person.
Product: Credit reporting

XXXX county recorder shows a lien file XXXX with a balance. an individual chapter XXXX bankruptcy discharged debt in XXXX. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX in XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.
Product: Student loan

I have tried to fix the way my additional payments are applied several times with this company. I can never pay down the principal balance because ALL of my payments are going towards interest. I also NEVER signed up for the weird graduated repayment plan that I just realized I am on, and I am being charged more interest for this. I pay my regular payment monthly, plus additional. Every payment is going to interest only. This is not ok. 


XX/XX/2020 - {$140.00} {$23.00} - applied to principle {$110.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$140.00} {$0.00} - applied to principle {$140.00} - applied to interest Again, I pay on time monthly without fail. This is so wrong in so many ways. Ethically it is almost criminal.
Product: Mortgage

Attempt to refinance loan to lower Interest only. Tried to work with Chase from XXXX XXXX Finally in XXXX of XXXX we were able to refinance with XXXX XXXX  and pay off Chase at the high interest rate of 7.8 %. Both my husband and I have great credit so have to think our last attempt to reach out to Chase several times ( I have reference letters to attach ) was due to our age??? 

Sent Chase letter of complaint XXXX since XXXX XXXX  offered us a rate of 3.25 % XXXX closing costs of {$1700.00} the only way we could get out of this high interest rate. 

Chase responded XXXX and stated they would have answer/updated by XXXX. 
As of XXXX no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bankruptcy court has placed negative item on credit file. Bankruptcy was discharged in XX/XX/XXXX, not XX/XX/XXXX Bankruptcy has been re-aged.
Product: Credit card

My Barclasys JetBlue credit card is not counting credits ( returns ) that came in after statement closed but before payment for that statement is due against the total balance that is due. Every other bank and credit card that I have used ( all major banks and credit cards ) count the credit toward the current balance due. I feel like this is a bigger issue where they could be hitting customers with XXXX and needs to be addressed by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

They run my credit without my authorization TD AUTO FINANCIE VALLY XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This account does not belong to me, and it appears to be a case of mistaken identity, fraud, or a reporting error. The presence of this incorrect information on my credit report is causing undue harm to my credit standing. 

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

I received a notification that someone had checked my credit report. When i logged into Experian, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.