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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The account name : XXXX with the erroneous late mark for XX/XX/year>. The furnisher has already updated the negative mark into positive one with also sending a confirmation letter of the update reflecting I have never been late. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic misrepresentation such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has not corrected disputed item despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to correct the disputed account, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.
Product: Credit card or prepaid card

Chase increases my APR several times a year without any notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we first serviced our mortgage loan on XX/XX/2015 with XXXX XXXX, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from XXXX XXXX stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from XXXX XXXX stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on equifax the information is not reported correctly. On XXXX and XXXX it is correct. Equifax clearly states my first deliquent with XXXX XXXX was XX/XX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

We opened an escrow account with another company. By direction of the joint owners, two disbursements were made by US Bank. US Bank advised that one of the disbursements were made in error. We advised US Bank that both disbursements were made and error and sought to correct both errors. US Bank only wants us to correct one error. Not correcting both disbursement errors will result in our company being defrauded by the other joint owner of the account.

The escrow account administrator has failed to act in an impartial, fair manner to correct both erroneous disbursements.
Product: Debt collection

On XX/XX/XXXX capital management services LP sent me a notice of debt verification. I asked for debt validation. They could not provide it, they forwarded my request to original debtor. I then filed a complaint through your company. Assuming the original company was trying to collect debt from me. They dropped capital management from collecting the debt. They then became the original creditor and original creditor. However, payment could only be remitted to XXXX XXXX XXXX, which is a parent company of XXXX XXXX XXXX. However I do not have a standing contract with XXXX XXXX   to pay anything. Therefore I am at liberty to say that XXXX has commited fraud. They charged off account, sold it to CMS, took it back and is now letting XXXX XXXX handleXX/XX/XXXX.I DO NOT HAVE A CONTRACT WITH XXXX XXXX. Let it also be noted that XXXX XXXX purchased the XXXX XXXX XXXX XX/XX/XXXX. I am sending a copy of this complaint to the XXXX as well. Thank you for your time. Also CMS was originally on my credit report but was withdrawn when XXXX   noticed I was trying to take action against them.
Product: Prepaid card

XX/XX/XXXX I checked into XXXX XXXX XXXX XXXX and made a {$100.00} deposit with my Sofi debit card. In the last 5 years I have stayed in casino hotel 's hundreds of times and I also know XXXX pretty well. I know from experience and saying that I know that if the charge is pushed back in the same amount then the hold on the deposit can last up to 30 days. Therefore I ALWAYS have room charges and upon checking out I always go to the front desk and ask for a reciept. 

When I ask for the reciept the frontdesk always pushes back the remaining funds. This is what happened and states very clearly on the reciept that my card was sent back {$71.00}. Being a prepaid account and under industry standard and prepaid account rules the bank is not allowed to keep a hold on these funds as the credited amount went back instantly just as did the funds leave the account. The hotel is still allowed a chargeback after such credit anyways. 

The whole point is that I've had several accounts in the past and before I could even make it to my car the money is always back in my account. I have reciept showing the money was sent back.. 

I have chatted twice with support and both times I was rudely cut off and given some bs excuse why the money wasn't back. These customer service agents are a wall for these companies and they will tell you the there are no supervisors. I shouldn't have to do this or even right these complaints but it's now the governments job to play customer service agents for these companies that exporting jobs from the US to overseas and the government has to pick up the slack and that's wrong. 

The {$71.00} should be in my account immediately so I can open accounts elsewhere and close this one. 

I also have disputes with several transactions with them as well that are past the 10 day limit without a credit to my account or an email with explaination.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

A qualified written request was submitted to the lender on  XXXX / XXXX /  XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two Chase accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name XXXX XXXX also known has XXXX XXXX has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 

XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

When I was using Zelle I sent the wrong person money Zelle didnt let me get the money back there was nothing I could do about my XXXX XXXX which made me get kicked out my house now Zelle has a button where it says are you sure you want to send this person money I always was getting scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a really tough time with XXXX XXXX XXXX credit card. I had two accounts with them which went in to collections and eventually charged off. Upon checking my credit I have been trying to pay off all my debt. I contacted them XX/XX/2020 to try to pay what I owe them and they informed me that there collection agency is Jefferson Capital and I needed to contact them first to pay and then Jefferson capital would report the two payments to them and they would update the accounts on my credit report to a XXXX balance. I paid Jefferson Capital that same day settlejng the debt for less than total amount which satisfies the debt. Jefferson Capital then emailed me two letters stating both cards have been satisfied and now have a XXXX   balance and they would be letting XXXX know and they would update the credit. A few days passed and I noticed XXXX updates one of the accounts with the amount of the payment and still showed a remaining balance which is not what I was told would be done. I called XXXX yesterday and the rep told me they only show one payment being made and there was still a balance and that Jefferson capital hasnt notified them that what I paid settled the account. They never saw the second payment at all and they were made the same day. I called Jefferson capital back and after talking to a supervisor she informed me that XXXX sold them one of the accounts and that is why they only see one payment on there and that they were not obligated to report the other payment to them. She also said they already notified them the other debt was settled. This is all completely insane at this point. Im being given the runaround at every angle. I have settled both accounts which they are both reported on on my credit report by XXXX XXXX XXXX   but if Jefferson capital will not notify them property then the debt will continue to be reported on my credit from XXXX with. Balance when that information is incorrect. I called XXXX XXXX back several times and they were being very rude to me and one person even hung up in my face. This is very upsetting. These are the only negative marks in my credit and no one seems to be helping me. XXXX shouldnt even be reporting one of the accounts at all since it was sold and they should be deleted. At the very least the other account needs to be updated to XXXX   balance because the debt has been paid but they are not doing things properly and this is not right. After I paid both accounts they asked in that same phone call if I wanted to open new accounts with XXXX and after all this there is no way in XXXX that would happen.
Product: Credit reporting or other personal consumer reports

I am trying to dispute inaccurate credit reporting for a XXXX XXXX XXXX. From the inception of our loan, we have never missed or had late payment, yet for the last couple of months ( XXXX and XX/XX/XXXX ) a late payment has been reported on our credit account. We had a {$1900.00} balance left on our account when the car was declared totaled after an accident. XXXX subsequently sent Lentegrity a check in the amount of {$1900.00} on XX/XX/XXXX to completely pay off the car. As a matter of fact, we had made our regular payment of {$170.00} on XX/XX/XXXX, yet a late payment was still reported. By that time, the account was completely paid off, yet they reported it as a profit/loss write off which consequently came up as derogatory on our credit report. This incorrect reporting caused a tremendous drop on our credit scores. Both my daughter and I have been calling for the last month and a half to get this issue resolved, but no one is ever available or has bothered to call us back. We have also filed disputes with each credit bureau. One is still pending and 2 came back as no change, which is absolutely false being that we had no late payments, and the insurance completely paid off the car. XXXX and XXXX are reporting write-off or profit loss, and XXXX is reporting that as well as late payments. This is completely false and the company refuses to take my call to revise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, 2022 XXXX XXXX  XXXX Balance XXXX {$130.00}
Product: Debt collection

Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX. 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX 








Card Bank Transfer Credit or Debit All fields required. 




Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

my information was used fraudulent with my consent to open account under my name and social sercurity number.
Product: Credit reporting or other personal consumer reports

Your company placed inquiries on my credit report that I did not authorize, and its creating issues with my credit that I shouldnt have to deal with.
Product: Payday loan, title loan, or personal loan

I am trying to apply to loan for school. It states that XXXX is not able to link my account.
Product: Checking or savings account

Bank of America has put a completely unreasonable, 7 business day hold on my funds from a deposited check into my personal account. I tried to rectify this every day with them, both in person at their branch and then on their customer service line as was advised to do by their branch manager. 

On the second day of the hold, I was made aware by the institution whom the check was written on that the funds had cleared their bank and that they even had a visual copy of my deposited check. I called Bank of America back with this news and they told me that they were sitting on the funds in their possession, and intended to for the full 7 business days as was their " right for risk management purposes. '' This is outrageous given that 1 : they now have cleared funds and 2 : I have a long history of receiving checks against this specific institution in the multiple {$100000.00} 's over the course of a 5 year relationship that have never once bounced. They are holding my money hostage and causing me financial harm, since I can not pay my general contractor.

I told Bank of America that there was a manager who was willing to get on a phone call with them to verify funds, but BofA told me that this was against their corporate policy. Conveniently for them, I now need to take out a high-interest cash advance from a credit card to float the time between my funds clearing and the hold, while they retain my funds overnight for a week. I made the Bank aware of this stress and they told me " I could complain as high as I wanted, nobody would do anything about it. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Dispute and on XX/XX/2019 it was removed by Equifax. On XX/XX/XXXX they resubmitted the item on my report.WITHOUT send or Notifying me in any way! FCRA says I am supposed to be notified within 5 days. I never received anything! XXXX and XXXX, are not doing this ... ONLY EQUIFAX!!! 

XXXX XXXX XXXX {$280.00}