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

On XX/XX/2019, I requested a free credit report through Experian online and received the report immediately. I was not able to get my FICO score through the " free '' process and was given the option of signing up for credit monitory services for {$1.00} for 10 days and then {$21.00} monthly thereafter. The website said I could cancel anytime. I had no intention of continuing the monthly payment option and tried to cancel my account within the 10 day window. I called Experian at XXXX in an attempt to cancel my account but there was no cancellation option available on their outgoing messages and I was unable to cancel my account. I then went back to their website to try to cancel but just went around in circles and it appears that Experian 's website is, I believe, intentionally misleading and I was unable to find a way to cancel my account. However, there was an email address that one could submit a cancellation request to and I sent the email out to support@e.usa.experian.com on  XX/XX/2019 requesting immediate cancellation of my account. I included my Experian account number in my email but I did not receive an acknowledgement. Later, on/a XX/XX/2019, I received a charge on my credit card for the {$21.00} monthly charge. On XX/XX/2019, I went online again to my Experian account and found more information about how to cancel and I noticed that the phone number for cancellations, XXXX is different from the basic customer service number, XXXX. On XX/XX/2019, I called them and talked to an agent who said that she would cancel my account. I explained that I had problems with their website and that I had sent an email requesting cancellation and that I felt I should get a full refund of the {$21.00} but the agent said that was not possible since they don't give refunds. She said they would cancel my account as of the next billing cycle. 

I believe that Experian 's website and customer service contacts are intentionally misleading and lacking any easy cancellation procedures and therefore, I should receive a full refund of the {$21.00} charge.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation XXXX XXXX ending in XXXX XXXX I am writing to express significant concerns regarding XXXXXXXX XXXX  recent reinvestigation results on the account associated with my name. XXXXXXXX XXXXs failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

XXXX allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that XXXXXXXX XXXX  actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt. 

XXXXXXXX XXXX failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues. 

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process. 

Thank you for your prompt attention to this matter. 

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

Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Discover account my husband had before he past away is listing ME as a user of the account. I was not a user of his account. He died of XXXX XXXXXXXX XX/XX/2017. I attempted thru the debt service I used to fix this problem, however Discover continues to list me as a serious delinquent and I am not the account owner.
Product: Credit card or prepaid card

I filed a dispute for an erroneous charge from XXXX for {$320.00} on XX/XX/2019. After following up with Citi, the deadline for contesting XXXX 's response to my dispute. I called on XX/XX/XXXX and a Citi representative indicated that I could have an extension on the deadline of XX/XX/XXXX for supplying supporting documentation. I called on XX/XX/XXXX to follow up, and was told that my documentation had been received too late and that no extension could have been granted since the federal government regulates the dispute process. 

For this reason, I contacted XXXX directly and was issued a refund. The refund was issued to and received by Citi on XX/XX/XXXX. I was informed by Citi that the refund would be processed in 7-10 business days. After this time passed, I followed up and was told something was wrong and the refund would be processed in 7-10 business days. On XX/XX/XXXX, I called Citi again and was told that the refund would be posted in 2-3 business days. On XX/XX/XXXX, I called to follow up and was told that an exception had been approved on XX/XX/XXXX, but that my refund would not be posted for 7-10 business days. I do not believe that my refund will post ever after being continually delayed by Citi Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from XXXX  XXXX bank asking me if I have applied for any XXXX  XXXX XXXX credit card and I told them no. But a hard inquiry was left over on XXXX of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX XXXX  XXXX XXXX XXXX and XXXX. 
For Experian of showes few items On XXXX if showes XXXX items Like credit XXXX, credit plus, XXXX  XXXX, XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).
Product: Credit card or prepaid card

Hello, I have filed XXXX complaints with cfpb last year regarding bank of america not properly returning my funds to my account after giving police reports, identity theft docs and statements stating that my car was broken into when I was living in My car.. all my identification.. birth certificate, GOV ID, social Id.was stolen and was then later used to pull out funds that was already waiting for from previous fraudulent activities. They credited my account and money was stolen. I never received it. But got a letter stating case resolved .... money was missing. 

This claim has been open since XX/XX/ and they have been denying the claim for XXXX up until today. 

I've been fighting to get this straightened out and back in XXXX of XXXX  on the XXXX they stated it was denied once again. I asked for a reconsideration and they ended up putting the claim on an XXXX, the claim has been pending ever since, no update or anything until XXXX. They credited my account XXXX $ but not XXXX They denied the claim for XXXX But gave me credit for another claim. 

I am beyond furious ... .. this is destroying my life. I need this money ASAP. 

I have been waiting soooo LONG and I have been very respectful and patient. 

I can't handle the mental trauma I'm facing anymore ... .... I'm getting my hopes up only to find out my claim sis being denied. 

I can't receive mail. I'm homeless and I have health problems and alot of doctors appointments to go to ..... I live in my car and can't afford to take care of myself right now .... I'm currently having car problems and can not drive. It's one thing after another and nobody is helping me. 

I've giving police reports and all back in XXXX of XXXX .... it's XX/XX/XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint stemming from the Equifax security breach reported in XXXX 2017.
I have had to place a fraud alert on my credit history with all credit bureaus. This is going to cause delay in the financing process as I am currently working to purchase a home in a highly competitive market. Sellers in my area are closing from many many offers from buyers and time to close is becoming a huge differentiator in this market. Due to this incident, my time to close will likely be delayed due to the fraud alert requiring additional verification on any credit inquiries. This can make the difference between my family being able to purchase the home of our choice or not. 

As this was a direct consequence of what appears to be negligent security practices on the part of Equifax, it is not out of the question to ask for some remuneration to offset the possible lost time and lost opportunity that we will now experience in buying a home.
Product: Credit reporting or other personal consumer reports

Errors showing late payments appear on my credit report, which isnt reflective of my usual payments. Kindly fix.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, 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 shalli ) 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. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXXXXXX XXXX XXXX  - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Student loan

My husband and I took out a federal funded consolidated student loan to put our son through college. Our initial loan in XX/XX/XXXX was for {$120000.00}, now on XX/XX/XXXX is {$130000.00}. Also, in total we had a XXXX loan, XXXX loan and XXXX loan. We paid off the XXXX and XXXX loans totaling approximately XXXX. I would like to know how the loan increases and not decreases. We do n't mind paying off the loan for a college education, but paying {$170000.00} in interest is ridiculous. I have written to XXXX XXXX ( Navient ), Senator XXXX XXXX, XXXX XXXX XXXX Department of Education, Senator XXXX XXXX, XXXX XXXX, XXXX XXXX, President Barack Obama and the XXXX with no help, just automated letters received. I went to XXXX to see it I could apply for a loan and an interest adjustment and they told me that because my husband did not have a college education, they could not give me a loan. We are middle class and struggle every month of make the payment of {$1000.00} for this student loan. My son also has his own loan with XXXX XXXX for XXXX. He lives on his own out of state and struggles to pay something every month, and is always being harassed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. 

FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chase Bank 9 month lock on a CD at 5 % equals {$1200.00}. 
Coming to maturity XX/XX/year> and they want to pay me {$9.00}... Yes they want to buy me a cup of coffee after using my {$25000.00} for the last 9 months!
Product: Credit card

I had to flee a XXXX XXXX situation leaving me with no income, housing or way to provide basis necessities to myself and my XXXX  at the time. I received my taxes in XX/XX/year> and immediately reached out. I made a payment of {$500.00} but was told that made me unqualified for hardship due to financial reasons. I tried to reach out several times with no success. This debt is negatively impacting my credit report even though prior to leaving the XXXX  XXXX situation abruptly I had 100 % payment history.
Product: Credit reporting or other personal consumer reports

I received a derogatory hit to my credit, a cellular phone was purchased and went in to collection, I have never had any account from XXXX XXXX XXXX XXXX
Product: Debt collection

I had two accounts with XXXX XXXX  ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was XXXX XXXX XXXX XXXX XXXX, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XX/XX/XXXX I received letters stating that my accounts had been sold to D & A Services. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXXXXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked XXXX, XXXX  and Transunion numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.