23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Installment account needs to show up on my TransUnion report as well XXXX XXXX XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my TransUnion credit report as your site says it will. 

You clearly state Credit Builder Loan ( optional add-on ) reports to TransUnion and XXXX. We require 1 successful payment before reporting. 

The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and TransUnion it shows on XXXX it needs to show on TransUnion. 

Please see attached - complaint - drivers license - social security card - address Please have this report to TransUnion at once.
Product: Mortgage

I am seeking your help because my mortgage company is refusing to help me avoid foreclosure, it is now over 9 months since I was laid off and bmo Harris bank told me that they were going to help me modify my loan. 

Now after several months under review working XXXX, they just told me that they are not going to help me avoid foreclosure because it is not on the best interest of the investor to help me or my familyPlease help!!!!!!! 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these is the inquiry : XXXX  - XX/XX/2022
Product: Vehicle loan or lease

In XXXX of this year, Bank of America posted false information on my credit report and refused to remove it despite multiple written requests. Therefore I began paying off the loan early as I do not wish to do business with a company like them. 

On XXXX XX/XX/year>, I made the final payment of {$4800.00} to pay the principle of the loan balance and be done with them. I was expecting to pay $ XXXX {$20.00} in interest afterwards to officially close it out and never have to deal with them again. 

On XXXX XX/XX/year>, they drafted my personal checking account for {$600.00} and removed my online access to view statements, payment history, request the title, etc.
Product: Credit reporting or other personal consumer reports

I reached out to Experian to dispute items on my credit report. First off the companys placing account on my credit report without giving me an opportunity to dispute the debt. I asked Experian numerous times in the last 60 days to provide the documents used to verify the accounts and I get nothing in return
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the Credit Bureaus Experian continues to give me a difficult time after years of good credit history. I've complained regarding not having online access to my report. I've logged in and now can't dispute online. I get a message " Due to Security reasons we can not process your dispute online. '' I've contacted them on the phone and the representatives will continue to ask the same questions over and over and will tell me it will take up to 45 days to process disputes but results come back two-three days later with unchanged results. I'm an XXXX and it's difficult calling them during the week when I have a classroom full of students. I wanted to uploaded my student loan forgiveness documents and could not upload. This balance is paid in full. I was forgiven due to paying for loans for XXXX years most on schools that were closed. Experian sent congratulations letter, however, put balance back on report. Also, a company they are working with XXXX a third party debt collection agency has falsely reported {$620.00} on my reports with no documentation I requested and have since changed dates and the placed their name and along with original creditor 's name. I did not have an account with original creditor. The representative knew this information was added and yet tells me it will take up to 45 days to remove. It has now been several months and still there. Something has to be done. Experian continues to give me a difficult time. I've tried disputing an address that isn't mine. XXXX XXXX XXXX which is a home. I've always been in an apartment due to student loan debt being paid. I need these accounts removed and student loan balance shown as {$0.00}. I have documents from Dept of Education and XXXX but could not upload. The other Bureaus worked just fine and have updated. Experian report # XXXX shows latest updates and tells me to call XXXX.
Product: Checking or savings account

At times I was over charged for fees I have been a customer for a long time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : XXXX XXXX XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. 

ACCOUNT NAME : XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, XXXX of XXXX. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. 
I HAVE NEVER BEEN LATER ON THESE ACCOUNTS I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking XXXX per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Mortgage

We applied to refinance with Chase Mortgage and went through normal application procedures after we were approved, which included ordering an appraisal for our home. I reached out several times to the loan department and didnt hear back in a timely manner. So, I shopped around and found a better rate with XXXX XXXX  who offered better loan terms and lower interest. Recently, we are finishing closing our loan with XXXX XXXX, but because we didnt go with Chase they are refusing to release the appraisal report and transfer rights to the report to the lender we are working with. We paid {$500.00} for this appraisal up front.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened 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
Product: Credit card or prepaid card

City Bank Shop Your Way card. Last month my bill was {$220.00}. after making a {$100.00} payment on time, my balance is {$200.00}. I have been upset with this card since Sears closed. I closed it XXXXwo months ago. And the still manage to make me mad. 
Payment Date *** Payments Max Balance *** SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$100.00} XXXX {$100.00} SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$100.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY XXXX - XXXX XX/XX/2022 {$75.00} XXXX Online Banking Transfer To XXXX CNS XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$150.00} XXXX SHOP YOUR WAY XXXX - PAYMENT XX/XX/2022 {$480.00} ( Returned ) tried to Pay In Full SHOP YOUR WAY XXXX - PAYMENT XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$75.00} XXXX {$1200.00} {$1100.00} {$100.00} What's really disheartening about this is the fact that I've only really purchased about {$550.00} worth of product. 
I hope you can recommend something for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Student loan

Trying to get a lower payment and after ruining my daughter 's credit and the co-signer 's credi t Navient, fina lly speaks with us. Now, they offered 2.5 % and a loan payment of {$130.00}. Between a few people trying to help with this, there is no automatic payment from a checking account. IT will be see who can pay or help for the month. They are not accepting this! Really, after not negotiating and talking down to us for numerous months, they wo n't accept this payment without being an auto payment? Now that credit had been demolished, on ca n't even qualify to refinance via another loan company. They should be sued! Unreal.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone XXXX breach has cost me my life
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a natural, living human. XXXX is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. XXXX has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give XXXX written permission to furnish these accounts, nor did I provide XXXX in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXXXXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). A company I have never heard of, nor have completed any business dealings with.
Product: Debt collection

I have received a letter from First National Collection Bureau stating that I owe them {$4200.00} for a XXXX XXXX credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from XXXX.This was XX/XX/XXXX. Even if this is mine from XXXX it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by XXXX XXXX, So with that said I believe this is a violation of the FCRA or at the least a violation of XXXX State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an XXXX resident the company must be registered and licensed by the state of XXXX, which this company does not posses, Therefore First National Collection Bureau is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of XXXX.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County XXXX. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of XXXX AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to contact USAA to have them remove an account that shows a balance of {$550.00}. What happened was I lost my card and I guess when that happens they open a new account. So I have this random account that is 50 % of the limit that is hurting my credit and showing a payment is due. I have disputed the item twice with all three bureau. It looks like XXXX removed it but it is still showing on both XXXX and XXXX. This has been going on for over a year. I figured I should submit a complaint because I need this fixed.
Product: Credit card

Ask for debt validation and purchase of debt which the company has failed to provide multiple times. Disputed with XXXX and still comes back valid although there are multiple inaccuracies.
Product: Credit reporting or other personal consumer reports

Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, XXXX, Experian and XXXX regarding my XXXX XXXX XXXX account XXXX In XXXX, this account was closed and the balance reached was {$0.00}. XXXXXXXX XXXX XXXX allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.
Product: Bank account or service

Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.
Product: Checking or savings account

Wells Fargo didn't pay me {$300.00} Checking bonus when I meet all the requirements. When I called customer service, I was told I need to go to a branch to discuss with a banker. But I opened the account online instead of in a branch.
Product: Checking or savings account

I have called and initiated tickets for this to be resolved by SoFi all to receive emails back stating the issues were resolved but they are definitely not! Every single transaction has been declined. When I spoke with a customer service representative on XXXX XXXX, I was told that they were having security issues, that they didn't know when they would be resolved, and to put in a trouble ticket. I received an email from SoFi on XXXX XXXX stating that the issue was resolved. On XXXX XXXX I tried to buy groceries and my transaction was declined. There is no issue with funds available. I can not pay for anything and SoFi is my primary account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquirys delete and remove asap. These are not my inquiries Im tired of keep calling theses companies asking them to remove these inquiries n companies wonder why I put fraud alert on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX
Product: Debt collection

Received notification from XXXX XXXX XXXX that I owed a debt previously owned by XXXXXXXX XXXX that I believed to have been settled ( believe account was settled for approx. {$900.00} payments reflected on old bank statements ). I sent a certified letter to the address on the notification asking for an account statement or complete history reflecting name, last four digits of the account number at the time of charge-off and the charge off balance or claimed balance including any post charge off payments. As well as other information such as transaction history and evidence of the transfer of ownership. The reason I asked post charge off payments because this company falsely reported payments to lengthen or reactivate debt. I never received the requested information but was served a summons. Even the exhibits that are attached to the summons do not include the alleged payments I was supposed to have made. Exhibits shows two statements. One from XX/XX/XXXX showing payments I did in fact make ( shows on my bank statements ) and another from XX/XX/XXXX showing no payments. Company falsely reported I made payments on this account in XX/XX/XXXX after they supposedly acquired account in XX/XX/XXXX. Also sent someone to my house to photograph my property.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts XXXX XXXX XXXXXXXX XX/XX/XXXX {$590.00} XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

Equifax, XXXX and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.