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

I'm a victim of identify theft. Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. these accounts have been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when TransUnion got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet TransUnion says that they can't provide the information as they don't have to but also can't remove.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX Capital one bank XX/XX/2024
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau XXXX and they continuously report this fraudulent account to my credit report. 

XXXX # XXXX XXXX to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Credit card or prepaid card

I utlilzed one time higher then my limit on a business card ( during holiday season ) and they closed all my account even my personal accounts!! Without working with me at all.
Product: Mortgage

I was approved for a HELOC through my credit union. When they did the title search it turned out that the original mortgage company XXXX XXXXXXXX XXXX who then sold my mortgage to New Rez, recorded my mortgage twice with XXXX XXXX New York. On my home title it lists the same mortgage XXXX so it appears that I have XXXX mortgages. One was recorded XX/XX/XXXX and one on XX/XX/XXXX. XXXX XXXX can not be reached at all. It is not possible to speak with anyone. New Rez holds my mortgage currently and no one will get on the phone. On XX/XX/XXXX I was told to send an email requesting a return call. No one has called. I am desperate to have this issue resolved. I am in the process of purchasing a new home and I am going to lose a large down payment. All I need is a letter stating that the second recording of my loan is satisfied its so simple but no one will put me through to anyone. Please help.
Product: Debt collection

I had a credit card with American Express. I am going through hardship and need some help from American Express. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from American Express on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. 
On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called XXXX XXXX Firm stating they were representing American Express. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that American Express told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by American Express. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to American Express, filed in XXXX XXXX MN. 
I never got clarification on who was handling the account. American Express never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. 
I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history as soon as possible.
Product: Vehicle loan or lease

I called and explained my hardship to the company and they said that they could not help me and that they didn't refi or modify their loans.
Product: Credit card or prepaid card

Hello XX/XX/2023 I had a balance of {$1900.00} from Nordstrom Mastercard XXXX XXXX I paid {$1000.00} of said balance making current balance {$900.00} It took Nordstrom 21 days to update my account when the FAQ says it takes 1-2 business days to update. I called customer service TWICE and was told they are holding my payment for whatever reason and will update at their earliest convenience. 

XX/XX/2023 my account was updated to show balance of {$940.00} due to interest. 

On XX/XX/2023 I was told my credit limit decreased from {$2000.00} to {$1000.00}!! I have not received NOTHING from Nordstrom I was informed by XXXX! I called today and spoke to a supervisor and she could not explain why they HELD my {$1000.00} payment for two weeks. She told me due to my report in XXXX they decided to decrease my limit. But in XXXX I made that payment and they choose to not reflect my balance until she decided to decrease my limit. Now my card utilization is at 100 %!!! Not only did they affect my recovery and have also lowered my credit score! They are even still demanding I pay my balance of {$940.00} after theyve done this to me!! I was dealing with a hardship but can financially afford to pay my balance off while maintaining a utilization under 10 %. I was my credit limit rectified and back to {$2000.00}. Customer service and supervisor was extremely rude and as a loyal customer I was disappointed. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by XXXX a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.
Product: Mortgage

The company 's website does not work at all and keeps giving error messages upon login. The company continues to have issues ongoing and I was assessed a {$30.00} fee due to one of their website issues. I CAN'T EVEN LOG IN TO PAY MY BILL. NOBODY ANSWERS WHEN YOU CALL OR YOU GET SOMEONE WHO IS COMPLETELY CLUELESS AND UNHELPFUL.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had did many complaints with bank of America and is ongoing thing. i feel my identity been robbed of my credit card i want a full investigate because i did so many complaints and never was resolve. i been a client of bank of America two decades i never paid late. and i don't know my bills doesn't get low. my ability i cant i need to now who is robbing my credit and the minimum is XXXX but i pay XXXX every month to get off the amount of money i owed. to get of my debt but what i see the account don't get low i see something not right i be paying i already try talking to bank of America about my complaint of my credit card but still nothing gotten resolve. also i call the credit card number i speak to the operator and still they don't resolve my complaint. i need a full investigation whats going on i feel my identity been robbed. please thank you.
Product: Debt collection

According to the FCRA section XXXX it is illegal to report information on my credit report without my permission.
Product: Checking or savings account

TD bank, checking account opening bonus {$150.00} Received a mail in my mailbox as they say give me {$150.00} bonus when opening a checking account and finish a direct deposit totaling {$500.00}. 

Finished it several months ago, but no bonus posted. Tried to call them a lot of times, they said the bonus will be posted in 90 days and told me to wait. 

Then after 90 days, tried to call them again, they said Im not qualified for the bonus because I have to meet the mail requirement which is the mail has to be under my name. 

As far as I know, the mail said dear resident, if they say my name is not resident, that will make me laugh a lot. Also, they never told me all of these until last week. Its totally fraud.
Product: Debt collection

XXXX XXXX XXXX , XXXX Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on X/XX/2017 # XXXX where a pay as agreed status appears as an adverse account XXXX XXXX XXXX. You had 30 Days to complete your investigation into this problem. You are now in violation of the FCRA and must delete the account immediately. Your company will be sued for violation and defamation in court if this matter is not handled in a timely fashion.
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 15USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation 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 supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Hello, I was told by Synchrony Bank I would be fully refunded for all of the payments that were made towards my account ending in XXXX. I have yet to see a full refund from this company. The total of all payments from XXXX - XXXX is {$6000.00}. I will provide the documentation for reference. 


Thank you, XXXX XXXX
Product: Credit card

I received a negative hit on my credit report on a credit card I did not open. This Bank of America card was opened and mailed to an address I had not lived in for almost a year. I called Bank of America on XXXX and registered a complaint. I asked who authorized and was not provided an answer. I was assured it would be handled in 30 days and I would receive a report/confirmation in the mail. 
XXXX has dropped the negative hit. 
NOTE : Amount owed on credit card was annual card fee and penalty. 
XXXX has received another report from Bank of America-60day late- and score has further dropped. I called XXXX to dispute. I called Bank of America back on XXXX and was advised to wait until the end of the 30 days, should be cleared by XXXX. They stated request still processing/being investigated. 
I called Bank of America today as XXXX credit reporting still has a negative 2 payment late strike. I was told by Bank of America that I DID NOT report fraud on XXXX, but I " simply talked about a credit card that wasn't mine '' They are now stating they have up to 90 days to investigate and it could take even longer. 
I asked to speak to someone to review this misinformation and was told I could only speak to the person on the phone and there was no recourse but to wait until Bank of America investigated and decision was made. 
I have no idea what decision they are referring to. I did not open this card and was mailed to an old address. Nor have I received any statements, ever. 
Bank of America opened this account without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXY XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I purchased a XXXX recliner. Their Sales Associate, offered me a 14 % discount if I opened a credit account. So I agreed, and purchase several other items as well. The paper bill arrived on XX/XX/18 and it was paid in full on that very same day, online, via my Bank. 
Sometime later, I used my credit card again, to purchase a gift for a friend. I dont remember what date that was, since Ive never received a bill for it. And since I never received a bill, I totally forgot about it. I was made aware of it, when I received an email on the evening of XX/XX/2018. I called the number indicated, but the offices were closed. I called back the morning of XX/XX/2018, and was told that I owed an overdue balance of {$100.00}. which was a total shock to me. That amount was the total cost for a {$49.00} purchase and two months of late fees. 
Well, I never received a bill. Apparently, the e-bill went to my Spam folder and disappeared after a few days or so, because I never open spam mail. I never received a late notice in the mail. And I never received a courtesy call notifying me of an overdue bill. I had no idea this was going on. As soon as they made me aware of it, I paid the {$49.00} that day online, via my Bank. I called the Credit Department back again, yesterday, requesting that they remove the late charges and the 30-day delinquent post on my credit history ; they agreed to remove one of the late charges but were unable to remove the delinquent post. So I immediately paid the remaining late charge of {$22.00}, and my account is now paid in full. I was directed to contact their credit department in writing to dispute this erroneous delinquency, and request the removal of the 30-day delinquency of my account. All of this has been a result of miscommunication, as I would never intentionally NOT pay a bill that I owed. They have flatly refused to do so.
Product: Credit reporting or other personal consumer reports

These accounts are not mine- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score on XXXX and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank of America Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to XXXX, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank of America Credit Card. I filed a dispute on XX/XX/XXXX, but XXXX claims the account is in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Experians Mishandling of My Credit Disputes Dear CFPB, I am writing to formally express my concern and frustration regarding Experians improper handling of credit report disputes, which directly aligns with the allegations outlined in your recent lawsuit against Experian. As a consumer who has been personally impacted by these practices, I feel it is imperative to share my experience and seek your assistance in ensuring that my concerns are addressed. 
Over the past few years, I have submitted multiple disputes to Experian regarding inaccuracies on my credit report. Despite providing clear and supporting documentation with each submission, Experian has repeatedly failed to properly investigate my claims. Instead, the disputes were resolved in a manner that appeared superficial and lacked a thorough review of the evidence provided. Furthermore, some of the inaccuracies that were previously deleted have been reinserted into my credit report without proper notification or justification, compounding the harm caused to my financial standing. 

These errors have caused undue stress, harmed my ability to access affordable credit, and have impacted my financial stability. Experians apparent failure to conduct meaningful investigations and its repeated reinsertion of inaccurate information further demonstrate systemic issues in its dispute-handling processes. 
I am seeking your assistance to : Ensure Experian conducts a comprehensive and impartial investigation into my disputes, including a detailed review of the documentation I have provided. 
Hold Experian accountable for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and for any additional violations outlined in your lawsuit. 
Advocate for systemic reforms to prevent other consumers from experiencing similar harm in the future. 

Thank you for your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if further information or clarification is required. 

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

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

I 've been paying on my loan since I came out of forbearance, interest payment, etc. for several years. I make monthly payments but the amount of the loan never decreases, not even a XXXX. I have asked for loan forgiveness programs and others to decrease payment and has been informed that I do not gualify for anything. What really puzzles me is that the loan does not decrease no matter what I pay. 
My employment and service for 40 + years have been helping XXXX. At one time, I was told if I worked in this capacity I would qualify for some type of loan forgiveness but, I have yet to see this happen. Please help me get some relief. I pay and my loan continue to grow interest and increases.