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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft TBOM/VERV FA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft SANTANDER CONSUMER USA Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

XXXX XXXX, bought a debt from XXXX XXXX, but they have two different amounts on credit for the same company on my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that Experian thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : XXXX : XXXX late payment in XX/XX/year> Experian : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy. 

Requested Action : I request that Experian perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went into the bank in 2020 and was made aware that the account would be closed. I spoke to bank employees and customer service while in the bank. The check they said would come never did.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Crediting Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit repot, 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 evidence to furnishers, accepting unreliable 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 standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and two kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over 50 times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, EQUIFAX already repetitively getting data breaches from them shows : intersections, EQUIFAX XXXX XXXXXXXX XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all FRAUD NOT DONE BY ME OR ISNT MINE ALL EQUIFAX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO EQUIFAX XXXX XXXX the last 2 years. XXXX wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$650.00} 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 XXXX  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: Credit reporting or other personal consumer reports

Sent information to Experian to have removed due to data breach need this removed asap
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXXXXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Credit card

I am writing to file a formal complaint regarding the XXXX XXXX American Express XXXX XXXX. I applied for this credit card in XX/XX/XXXX, with the understanding that I would receive XXXX Membership Rewards Points as part of the welcome offer, which was a significant factor in my decision to accept the card, despite its steep {$690.00} annual fee. 

I completed the application with care and attention, and as a XXXX XXXX holder, I was diligent in reviewing all the information provided during the application process. I had thoroughly researched whether the card was worth the high annual fee, with the primary incentive being the promise of the welcome points. 

However, I was never informed that I did not qualify for the XXXX points, nor was I given any indication that I would not receive them. I spent over {$8000.00} on the card within the first XXXX months, meeting the spending requirement, and yet when I contacted American Express customer service on XX/XX/XXXX, to inquire about the points, I was shocked to learn that I did not qualify for the welcome offer. This was the first time I was made aware of this issue. 

To make matters worse, by this point, American Express had already charged me the {$690.00} annual fee, and I was told that it was too late to cancel the card because it had been over 30 days since my application. I had never received any clear communication or notification prior to this date about the disqualification from the welcome offer. 

I have since come across online forums where others have reported similar experiences, mentioning a small, potentially hidden XXXX XXXX XXXX the application process that allegedly informs users of disqualification for the welcome offer. It is unclear to me whether this popup was blocked by my browser or if the text was intentionally small and difficult to notice. Regardless, this was never made clear during the application process, and I feel misled. 

Given that I have now paid the high annual fee and received no benefits in return, I feel this situation amounts to a deceptive practice, and I am concerned that American Expresss application process is intentionally designed to mislead consumers. 

Additionally, I am now in a position where canceling the card could negatively impact my credit score, and I am left with no tangible benefits despite fulfilling all the necessary requirements. I am seeking assistance from the Consumer Financial Protection Bureau to address this issue and to help ensure that American Express is held accountable for its practices. 

I have already contacted American Express customer service twice and engaged in an online chat, but I was informed that it would be extremely unlikely to resolve the issue. I would greatly appreciate any help or guidance from the CFPB in this matter. 

Thank you for your time and attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open : XXXX XXXX Amount : {$1500.00} Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I can not link my PNC BANK ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.
Product: Credit card or prepaid card

American Express Delta SkyMiles Card I had a promtional offer on my card with the promotions below : 1. XXXX statement credit ( on pic ) 2. XXXX bonus miles ( on pic ) 3. 12 months intro 0 % APR ( told on phone ) I have not done balance transfers, never closed amex cards, first time card holder, never missed any payments, high credit scores, applied and did not receive notification did qualify
Product: Mortgage

I have an escrow account mr. Cooper failed to pay my homeowners insurance. Their was a fire on my property and they agreed the mistake was on their end. They also said they will correct situation. As of XX/XX/2022. I have been strung along, hung up on and given the run around. They put blame on the insurance company they purchased for their fault in laps ( XXXX ) The insurance company places fault on mr. Cooper. Now no one answers my calls and the phone number for mr cooper is now on a loop where only way I can contact someone is on automated service and no live person. Plus I received XXXX statement for an extra XXXX dollars.
Product: Mortgage

I received a call regarding my prior complaint from XXXX. According to XXXX, Nationstar is servicing a loan on behalf of rightpath servicing, and XXXX does not know if I am on a new note which I never signed. I received a foreclosure letter with XXXX listed, but the letter did not come from XXXX, I was told. The Current mortgage is with Nationstar and rightpath, i was told by XXXX, but, they do not know who owns the loans. Nationstar stated that a private investor owns the loan and that this private investor will not speak with me to work it out. I never received contact information for the current lender from rightpath. 
As of today, XX/XX/XXXX On the settlement statement its only XXXX XXXX name and XXXX said that they would download the original documents to their website for me and my attorney to review. The Mortgage deed has both names, according to XXXX XXXX CEO office will send the documents to XXXX for me. 

The lender has to talk with me if Im on the mortgage, XXXX said. Im on the deed. Im on the title. And all other documentation when the loan was taken out will be sent to me .He doesnt know if there is another note out there. They have info from XXXX. 
Im not on the note. The only note he could find shows XXXX XXXX only. That was sent to me.
Product: Debt collection

The company originally contacted me via phone in early XXXX attempting to collect a debt for XXXX XXXX in XXXX, MO. I requested they verify the debt to me and to provide documentation. They provided no verification or documentation, and I heard nothing from the company until I found the alleged debt on my credit report in early XXXX. 

In early XXXX, I again contacted the company requesting verification of the debt. The first person I spoke to there told me they weren't required to provide any documentation or verification. I then contacted the state attorney general who confirmed for me that, in fact, the company was required to verify the debt and provide documentation. I contacted them again requesting verification of the debt. They told me they had no documentation of the debt, not even a copy of a bill, to show the debt was real. I asked for the collections statement to be removed from my credit report, but they would not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt sold to National Credit Adjuster this debt is old. They are reporting this debt as new. I have disputed this debt with the credit bureaus with no success. This aged account should be off my credit profile. They are reporting the debt is 3 years old but it originated over 8 years ago.
Product: Credit reporting or other personal consumer reports

I found out last year, approximately around XX/XX/year>, that there was jobs from XXXX and XXXX that I have never been employed with or paid by. It has that I received money and didn't pay taxes. I made a police report because my identity was stolen. I don't have credit cards and under my name is a lot of companies. My information also has been leaked during numerous data breaches from a few places. My old doctor office in XXXXXXXX XXXX XXXX, called XXXX XXXX XXXX XXXX. It also happened from places doing background checks on me for employment. It also happened from XXXX XXXX. I've now been sued, in so much debt and the people calling me to try and collect payment and they haven't been any help. The companies where these breaches have leaked my information haven't offered any assistance. I heard about when our information is leaked during data breaches, that we are supposed to have everything removed from our credit report within XXXX days. I can't get any help. Are you able to please help me?
Product: Prepaid card

I have been with Netspend for over 2 years in which I mainly used for direct deposit from my company and to pay my rent. I had 2 inaccurate charges on my account so I disputed boh as suggested by the agents that assisted me over the phone. XX/XX/XXXX my account was closed without proper communication to me. I called them and asked why my account was closed the lady stated suspicious activity and stated a check will be in the mail and it takes 10 business days. XX/XX/XXXX my rent is due and then after the XXXX it 's considered late and an eviction can be filed plus late fees. I asked if the check can be overnighted to me but he company would not resolve the issue at all. I have XXXX small children and if I lose my place due to the wrong doings of this company then that would be very unfortunate on my behalf. Please assist
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023 I reached out to Equifax regarding an address change. After speaking with them, changes were made to my account, causing my score to drop over XXXX points. Most of the items that were showing were unable to be disputed as once I would go to the dispute center those items weren't on my report, yet they were impacting my score. I have made numerous calls, closed my online account and opened a new one and this has not been resolved. There is nothing I can see on my report that would lower my score to what is showing. Whenever I call I get someone in another country reading a script who is unable to resolve my issue and only transfer me from person to person with no resolution. Cases have been created with no follow-up and no resolution.