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

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$32.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian Credit Bureau representatives are extremely difficult to reach. My credit score decreased approximately 150 points a year ago when my daughter defaulted on her XXXX card and they wrote the debt off. I have been increasing my score steadily since then. I have never, ever paid any account late since the beginning of my credit history. Last month, my Experian report stated that my credit limit decreased. They didn't explain who reported that information and, as I said earlier, reaching them is nearly impossible. I would like to know why my other credit bureau scores are much higher while Experian remains much lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Equifax on three occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XX/XX/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 XXXXXX/XX/XXXX ; < -- ( That is not a typo ; that is how it is spelled out on my credit report ) ; XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per 15 U.S. Code 1681b. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the following complaint was filed ... This XXXX  XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this inaccuracy. XXXX and XXXX  have also been notified to correct the false information but have not. Company responded on XX/XX/XXXX. " In your submission, you indicate the XXXX XXXX XXXX XXXX ( XXXX ) account XXXX is paid in full and not open or in a payment plan. You indicate USAA, XXXX, and XXXX  have not corrected this as requested. You ask USAA to report the account as paid and closed. In XX/XX/XXXX, USAA contracted a joint auto loan ending in XXXX for you and Mrs. XXXX. On XX/XX/XXXX, we received notification of a Chapter XXXX bankruptcy filing for you and XXXX XXXX. On XX/XX/XXXX, the loan was charged off for {$13000.00} in keeping with our procedures for debts in bankruptcy that have had no payments in 60 days. From XX/XX/XXXX, to XX/XX/XXXX, multiple payments totaling {$13000.00} posted to the loan, paying it off. '' My question is, " If the loan is paid off, why can USAA not report the loan as " paid '' and " closed ''? Why does USAA continue to obfuscate? The facts are plain to see, the loan is paid and should be reported as " paid '' and " closed ''.
Product: Mortgage

Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Transunion 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2018, I received post card stating Transunion, XXXX and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX
Product: Checking or savings account

The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Bank of America will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a loan from this company on my credit report, and I have never gotten a loan from them. I believe it is identity theft. I contacted them by phone 3 times. The first time they gave me a number to a sales company. The second time they hung up on me when I told them this was not my account. The third time they hung up on me when I requested proof of the loan in my name, as I have never gotten a loan. I called a 4th time and couldnt get through to anyone. I disputed this on my credit report, and they verified it is mine. So I am trying to get all the proof I can of this loan so I can dispute again, and file for identity theft. I will be filing a police report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXTHIS IS NOT A DUPLICATE COMPLAINT- I HAVE ADDED NEW INFORMATION REGARDING AFFIRMS ILLEGAL REPORTING PRACTICES AND FOR FALSELY STATING ONLINE THAT IF THEY REPORT TO CREDIT THAT THE FULL PAYMENT HISTORY WOULD BE REPORTED - XXXX  CAN'T JUST PICK AND CHOOSE WHO THE XXXX IT WANTS TO REPORT AND WHEN. XXXX XXXX  is currently reporting ONLY after a late payment was made on an account that wasn't ever late - and they only reported the " late payment '' month and going forward on my credit, in spite of having these loans for quite a long time, which was never reported until I was supposedly late on a payment, which I absolutely was NOT late, period. Additionally, one of the accounts in question was fully refunded back to me and was on two week payment terms, not month to month, yet they reported it as a month to month payment. 

**PLEASE SEE THE ATTACHED SCREENSHOT OF XXXX XXXX WEBSITE- IT CLEARLY STATES THE FOLLOWING : " Reporting to credit bureaus XXXX currently reports some loans to Experian and may report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which may impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. 

Please refer to the " Credit Reports and Monitoring '' section of your loan agreement for more details. Your loan agreement can be found by selecting Loan terms under the Details section of your loan in the XXXX app. '' LIE # 1 : " If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. '' LIE # 2 : " XXXX  currently reports some loans to Experian. ''
Product: Credit reporting

I am filing this complaint because Equifax has ignored to provide me with documents that their company has on file that were used to verify the accounts I disputed. Being that they went past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX
Product: Student loan

I have XXXX private loans through Navient. 4 of them were for the XXXX XXXX -- a school that Biden recently cancelled-my Federal loans were included in this. Navient claims private loans are not included and I am wondering how this is possibly fair? Private loans were acquired for this school because I could not get enough Federal Aid to attend. The Private loans have an outrageous interest rate-for example I have been paying for 16 years and the balance of a XXXX origination loan is now XXXX!! How is this legal? Are there any actions I can take? 
Additionally, I recently went on XXXX XXXX  and asked Navient numerous times for programs to assist with payments as I am getting 40 % of my pay and they refused until I missed a payment and they reported it to credit bureaus bringing my score down XXXX points as I have XXXX loans with them. Now that I was reported late and my credit destroyed they will offer a lower payment program. How is this legal? 
Thank you, XXXX XXXX
Product: Mortgage

Due to losing my job during the pandemic, I have reached out to my mortgage servicer 3 times for help through loss mitigation. Prior to losing my job, I was never late with a mortgage payment. After finding employment at the end of XXXX, I experienced a decrease in my annual income so I reached out to my servicer for help. They closed my case twice due to my account being current. My mortgage was being paid thru a program called Hardest Hit Alabama. I applied for assistance when I was unemployed so my account was current until XX/XX/XXXX. I had to file bankruptcy in XXXX of XXXX BUT NOT ON MY MORTGAGE. IT WAS CURRENT. I only filed on my revolving debt in order to be able to afford my mortgage payments. Again in XX/XX/XXXX I reached out for help thru loss mitigation but my servicer closed my case due to my account being current. I was not able to make my mortgage payments when my assistance with HHA was up in XX/XX/XXXX. I reached out to my servicer again and have gotten the run around since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and I have had a 3rd loss mitigation application in for review since XX/XX/XXXX. As of today, XX/XX/XXXX, the status of my mortgage account says " active loss mitigation '' but an attorney has looks to have initiated foreclosure proceedings. My servicer has never once mentioned foreclosure to me and not once have they tried to contact me. I have contacted them many, many times for information and I am getting the run around. I have proof of everything written in this statement.
Product: Credit card

In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Bank of America. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Bank of America regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on EQUIFAX as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}
Product: Credit card or prepaid card

Credit Card HoldeXXXX Citi Bank has agreed that the purchases done were fraudulent. Citi Bank agreed to remove the fraudulent charges and did so in a timely manner. But due to my wallet being stolen alongside my new credit card, Citi Bank decided to bring back the past fraudulent charges and has refused to take them out from my account.
Product: Credit reporting or other personal consumer reports

Greeting, Around XX/XX/XXXX We requested for a mortgage payment with XXXX XXXX mortgage, the company currently holding our Mortgage, to put XX/XX/XXXX and XX/XX/XXXX payment at on the end of our loan. We ask this because we had a medical emergency. They agreed and told us how long it would take, and started the process. after they approved to put a payments at the end they came up with a payment plan, in which then our payment would be {$1500.00} per month for XXXX months. Starting XX/XX/XXXX We started our new payment plan. Then on XX/XX/XXXX, XXXX XXXX loan company contacted us saying our mortgage was being reported as late and did we need help. I responded and told them we are not late and I will get with XXXX XXXX. I called them the same day and they assured me we were not late and not reported as so. 
We got another email from XXXX that stated the same thing we bein reported as late. When I called back I got another associate and she stated that as long as we were on the program we would be reported as late. why didn't they tell us that before offering that program we would have never accepted it. I told them to remove us from the program, and remove the late from our credit report, because technically we have not been nor or we late on any payments. XXXX XXXX Mortgage has done a great injustice to me and my family by putting us on a destructive program that was never meant to help us, but to put us in a debt so deep that it would be hard to climb out of, and destroy our name and Credit Rating! I have lost clients and business deals because we are being reported late on our mortgage. It is a very stressful situation and we want it removed from our credit file as not to cause anymore damage. We believe XXXX home is a deceitful company and prey on elderly Vulnerable people. We did reach out to the Chief finance XXXX XXXX XXXX but have had no response as of this day.Please help, XXXX write this horrible wrong Thank you in advance XXXX and XXXX XXXX
Product: Debt collection

I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line. 
I need assistance with this company since they are unfair with their credit practices. 

The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID. 

THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE!
Product: Debt collection

Repeated phone calls from spoofed numbers after cease and desist was initiated by me. Company needs to be held reliable for deceptive tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Product: Credit card

In XX/XX/2023, I obtained an American Express XXXX XXXX Credit Card, primarily attracted by its advertised benefit of XXXX XXXX enrollment, a significant feature for a card with a {$650.00} annual fee. However, since then, I have been unable to register for the XXXX XXXX due to ongoing technical issues. 

I first contacted American Express regarding this issue in XX/XX/2023. In response, I received a case ID, XXXX, with assurances that the problem would be resolved. After noticing no progress, I reached out again, resulting in a second case ID, XXXX. Despite these interactions, the technical issue persists, unresolved for over three months. 

During this period, I have had seven flights where I could have benefited from the XXXX XXXX access. The inability to utilize this promised benefit has been a significant inconvenience and a failure to deliver the value that was a major factor in my decision to choose this card. 

The American Express team continuously claims that resolving this issue is their top priority. However, the prolonged duration and lack of effective resolution have been disappointing. This experience has significantly impacted my view of American Express and the trustworthiness of the benefits they advertise with their high-fee credit cards. 

I seek immediate attention to this matter, a swift resolution to the XXXX XXXX registration issue, and appropriate compensation for the months of lost benefits and inconvenience.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered errors of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting a thorough investigation into these discrepancies and ask you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as paid on-time, as I have consistently upheld my payment obligations without any delay. I have tried to resolve this issue with the creditor and they have failed to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.