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

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 


XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  I Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My home loan was sold with XXXX to XXXX and they were mailing the information to the incorrect address so I never received the information. When I finally received the notice I made the initial payments through Bill Pay and my bank XXXX. Because it was a mortgage company and not a bank checks were being mailed to XXXX by my mortgage company. The payments continued to be made by me. I received a notice from my friend at my property address in XXXX  which was forwarded to me at my XXXX  address where I reside stating the payments were delinquent. I contacted the Mortgage Company which is now XXXX XXXX as they merged in XX/XX/XXXX. I was told they would research the payments and not to worry that my credit would not be affected. I sent the documentation to XXXX XXXX to show I made the payments and yet the checks were uncashed and were in fact mailed to the correct address. I tried calling numerous times asking for a supervisor without a returned call. Then in around XXXX I pulled my credit was I was looking for a loan as saw the numerous fraudulent reports on my credit from XXXX XXXX XXXX!!! I have had my home loan since XXXX and have never been late!! This is fraudulent deceptive behaviors by XXXX XXXX to try to take my home! I could not even talk to someone to find out how much my loan payment was so I started making large payments to ensure they did not take my home. Fortunately I was in a position to do so. Had I been a retiree for example they may have been successful. I found out they sent someone to the property to do an inspection to start the foreclosure process all without NEVER getting ONE CALL IN TO ME and My calling them several times a week throughout the entire process. Below is the information from XXXX to show the payments were made. They have never been located by the Mortgage Company nor do I believe they tried There is a difference between not paying a bill and the Company not accurately applying the monies. Based on my research this is common practice for them some over 90M dollars and more coming!! 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My request is for this late notices to be REMOVED from ALL credit reports immediately!! 

On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX wrote : Hi XXXX, Please see below for Bill pay payment history and tracking from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$2400.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$2600.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$4400.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$6000.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$4000.00} XX/XX/XXXX Please let me know if you have any additional questions or concerns. 



Sincerely, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX | XXXX XXXX, Texas XXXX Direct : ( XXXX ) XXXX | Office : ( XXXX ) XXXX ext. XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Email : XXXX | XXXX
Product: Credit card or prepaid card

My citi bank ( Double Cash ) accounts in good standing were closed due to the company deciding to close the account based on credit report. 

After the account was closed, all refunds came back to the card was not issued back to the card holder. After contacting and requesting the refund to be back to the account holder, it was forcefully applied to the closed account balance. 

I have requested the refunds that I have received from merchant because of covid-19 to be sent back to me via ach or check. 

The citi bank have forcefully declined to send refunds and applied to closed account.
Product: Credit card

XXXX card no. XXXX, XXXX card no. XXXX and Chase card no. **************** are always lowering our credit limit and it is affecting our FICO score because of the maximum utilization percentage.Our maximum utilization percentage is higher because of the lowering of credit limit and it is happening frequently.Yes, we do have debts and we are making payments every month which is more than minimum payments and we are lowering our debts in a responsible manner.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ] mandates the blocking of any information that a consumer identifies as resulting from identity theft. I am trying to obtain credit and these fraudulent accounts are hurting my chances to get a car and home for my family. I have attempted many times to get these accounts removed from my consumer report. I am aware of the process in which these agencies verify information and it is not reasonable and accurate. This is fraud and it illegal for corporations to join together to participate in fraud in the guise of just doing business. These unfair practices has cost me greatly and I need to be made whole.
Product: Credit reporting or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 1 May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX  XXXX {$13000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> & XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demanded these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On NXX/XX/2019, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Product: Debt collection

I received a notification today that an item from National Credit Adjusters reported an item on my credit that is NOT MINE. The original creditor on the account is XXXX. I have never had an account with XXXX. I have disputed this account numerous times with the credit bureau 's and contacted the creditor and informed them that this account is identity theft. I have sent in the identity theft affidavit and letters to inform them that this account is not mine. I would like to request that this account be eradicated immediately.
Product: Credit reporting or other personal consumer reports

there are XXXX fraudulent accounts on my credit reports XXXX XXXX XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX, i did not open these accounts, these accounts were open woth out my knowledge XXXX XXXX XXXX XXXX  XXXX  original creditor this is not my acocunt this was open with out my knowledge and Equifax has had a severe data breach, which was leaked on thr dark web XXXX XXXX  was open up during the pandemic, my information was used with out my knowledge and this account is fraudulent, i want this account removed off my credit report, i did not open this account period rhey are failing to see how much information i have reported XXXX XXXX XXXX XXXX has open this acount aslo during the pandemic, my information was leaked because of data breach caused by XXXX and XXXX  XXXX  please remove this account it is fraudulent this account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company and they stated that they would not remove it. 

Here are the inquires : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I applied for a loan for an investment property and was approved online, then XXXX was assigned as my loan officer. He repeated quoted me a low rate without points, stating that quicken only charges a {$1200.00} lender fee. I asked him for updated rates last week and he quoted me 2.625 %, which seemed low, so I asked to confirm that was the rate for a non-owner occupied loan and he replied yes. 

When I found a property and requested that he lock my interest rate today, he was evasive and said rates had gone up. When I asked what today 's rate was, he said 3.5 %. I told him to go ahead and lock it, as I already signed the offer. He then texted me to call him. When I called him, he told me that the loan at 3.5 % would cost me the {$1200.00} quicken fee, plus XXXX points, totally over {$5000.00}. He then said he was confused and thought I was going to occupy the house. The loan I applied for was marked as an investment property and XXXX knows that I live in Idaho and work in Idaho and was looking at investment property in XXXX XXXX. Today, he said he would not be able to honor any of the loan terms he earlier had quoted and could not do the loan at XXXX points, as he told me he could on several occasions. I spoke with XXXX XXXXs manager, who told me he was not sure if XXXX was deliberately dishonest or confused. He also said that XXXX should have known that I had applied for an investment property loan, as it was all over the documents in my file. 

Quicken loans offers a {$1000.00} guarantee that they will close your loan. I am looking for another lender unless Quicken honors their original fee quote. Since that is not likely, I am writing to see what recourse I have. I had a similar, though not as costly, experience when quicken refinanced my primary residence a few months ago. The lender quoted me a lower rate several days in a row and said he could not lock the rate until I had all docs. in. Once I submitted docs, he said the rate went up. The same thing happened with my daughter and a friend who refinanced their homes at the same time. I understand teaser rates, but quicken loan offers are quoting lower rates and low to no costs until the day you lock, after you have already made plans with the loan and spent time uploading documents. 

Thank you, XXXX XXXX
Product: Debt collection

This is not my account I have not been hospitalized so why am I getting charged for something that isnt mine. You guys need to remove this from my credit because if you look at my credit history I pay all of my things on time. This is wrong and you guys need to delete this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Dispute at the brake pedal reporting on my credit numerous times for this amount and it has been affecting my credit for over four years now and this account has been discharged and canceled through the student loon loan forgiveness program as well as was already in for it was not never defaulted on and it was in forbearance and it was done on an income driven repayment plan and come to find out that this was a predatory lender and I have been forgiven of the student has been canceled since XXXX  acre still reporting an on my credit report and it has been negatively affecting my life
Product: Credit card

I am the primary cardholder of Chase Freedom with three additional authorized users. In the beginning of XX/XX/2023, my husband and I were traveling in XXXX California, while my XXXX daughters stayed home. On Tuesday, XX/XX/2023 at XXXX XXXX time, I received a fraud alert text message from my credit card company Chase XXXX The notice I have received mentioned that they declined {$750.00} at XXXX. I immediately contacted my daughters to ask about this transaction and learned that my older daughter lost her credit card. I then responded " NO '' to the fraud alert. I later received a message stating that they will close the card and send a new one. Two days later, I saw additional fraudulent charges on my card, I called Chase and disputed the following transactions : XXXX. {$240.00} XXXX. {$1200.00} XXXX. {$460.00} Initially, Chase took those charges out, but at the end of XXXX those charges appeared again on my statement. I called again and appealed few times, their Fraud department notified me that those transactions were valid and they closed the claim. 
During the investigation, I was told I can subtract the disputed amount and pay the rest, but they charged interest on unpaid part. All in all, my credit card was stolen and the mentioned transactions above are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to this company on the XX/XX/XXXX via certified mail on the XX/XX/XXXX and it was received.

This company made a unauthorized inquiry on my report without my consent.
Product: Student loan

I have been in XXXX for two years, and entering my third. ACS has continually, through the three years, continued to withdraw a monthly amount, and claims they have no record of my enrolling in school ( no other lender has this issue ). Furthermore, I can not get a person on the line now, because every time I try to call, the system gravely informs me that my account and social security number are incorrect, and to 'call back when I have that number. ' Again, I am entering correct information. ( Although the website says it does n't display the full account number, with is supposed to be found under a non-existent general info tab ). This is beyond frustrating, and ACS should be held accountable in some way. Please help me contact them and get this issue ( that should not be an issue ) resolved. Thank you.
Product: Credit card

Chase card services has failed to verify this debt with substantial evidence that this account belonged to me. Upon speaking with their fraud department they said my social, name and address appeared to be correct so hence the account belongs to me. It 's been a long uphill battle to clear my name & when I asked to provide me with how the account was setup and any agreements with my signature to be forwarded they are unable to produce that information. Yet they are reporting to lenders that i owe this said debt that has not been verified
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified!

I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX granted XXXX payment exetrions in 2022, and said there would be no late payments reflected in my credit history with them. A XXXX  or XXXX later XXXX reported lated payments. I asked XXXX to review the phone conversations with them, I had had, there were at least XXXX of them. However they will not, and they will not update my account to no late payments.
Product: Debt collection

Currently the vehicle was taken into custody due to police investigation. Property will not be returned. This is a case of mistaken identity and I will be exonerated from all charges.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Credit, Reporting Act ( XXXX ) ( XXXX XXXX XXXX reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided XXXX XXXX to XXXX iS, accepting Llifiabn* responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit XXXX. I am XXXX XXXX XXXX corrective action to remove or amend the disputed accounts, as Experian 's XXXX violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are failing to remove the security freeze from my credit report as well as the fraud alert from my credit report. I have requested to ask them to remove the fraud alert but, they refuse to do so, and or delay the process longer than what is needed. I asked XXXX, Transunion, and XXXX several times to remove to fraud alert and they refuse to do so via phone after I have verified my identity several times as required. Please refer to the documents attached social security number and government-issued ID with this report to prove my identity.
Product: Credit reporting

A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX and Equifax reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.