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

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that XXXX XXXX had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted XXXX XXXX to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

XXXX XXXX customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where XXXX XXXX admits having issues with their payment system when they updgraded in XX/XX/XXXX.

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XX/XX/2020 I got hit with a hard inquiry from XXXX  XXXX. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you
Product: Debt collection

I am filing a complaint against XXXX for failing to properly investigate my request for securitization verification, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), which requires a thorough investigation and the provision of documentation for verification. 

Details of the Situation : Account info Account nameXXXX XXXX XXXX XXXX Account XXXX Request for Securitization Verification : I submitted a request to XXXX to verify the securitization status of an account listed on my credit report. My request was based on the need to confirm compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that credit reporting agencies must provide documentation proving each transfer and ensure proper securitization of the debt. 

XXXX XXXX : XXXX responded by verifying the account as accurate and meeting FCRA guidelines, but they did not provide any supporting documentation or records regarding the account 's securitization or the transfers that occurred. They failed to provide evidence proving each transfer and compliance with proper securitization protocols. 

Failure to Comply with FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes an item on their credit report, the credit reporting agency is required to " reinvestigate the disputed information '' and provide " all relevant information '' that substantiates the information being verified. By failing to provide the requested documentation on the securitization process and transfers of the debt, XXXX did not properly investigate my dispute or provide the necessary evidence. 

Securitization and Transfer Documentation : I specifically requested documentation that proves the securitization of the debt, along with records for each transfer of ownership, to ensure that all proper transfer protocols were followed. 15 U.S.C. 1681i ( a ) ( 5 ) requires that such documentation be provided when the consumer disputes the information, and XXXX has failed to comply by not providing this information. 


Impact : XXXX failure to provide any documentation related to the securitization of the debt or the transfer of ownership of this account means that they have not fulfilled their obligations under the FCRA. This has left potentially inaccurate information on my credit report, which negatively impacts my creditworthiness and financial stability.
Product: Debt collection

I sent several dispute letters with no response. Also reported them and they told the agency that they have provided information. They haven't. Since XXXX XXXX purchased this account I need to see purchase agreement, breakdown of charges that meets what they are requesting. So I can verify its mine with the original company.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!
Product: Mortgage

My husband and I want to take advantage of low interest rates and decided to apply for a refinance of our second mortgage. 

I contacted a local branch of Bank of America because we prefer dealing with local representatives. The Bank of America loan representative contacted me via email with a link to apply for mortgage. 

The application was a long process but at no point did it ask what amount, or type of mortgage we were applying for. 

After submission of the application I contacted the representative by phone who then informed me Bank of America does not finance second lien holder position unless they are the holder of the first lien position. 

No where during the application process did it disclose to us, the applicants, that Bank of American does not finance second lien holder position. Which is deceptive. 

Both my husband and I have now have a hard inquiry to our credit report which negatively impacts our credit score and our chances of re-finance with another institution. Additionally, the impact of a hard inquire can result in a higher interest rate product. This is unacceptable. 

We need Bank of America to remove this hard inquiry as soon as possible so we can apply for a mortgage at another institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I HAVE ASKED XXXX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. XXXX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I received a targeted offer from Discover bank to receive a {$300.00} bonus however after fulfilling the terms of the offer, they would n't give me the bonus and stated that I was not part of the offer.
Product: Mortgage

Before COVID-19 hit CO too hard, my husband and I called our mortgage lender ( US Bank ) to find out if they had any programs in case we ended up needing one. We just wanted to know what our options were and said we would call back if we wanted to pursue one. A few days later we received a letter from US Bank ( dated XX/XX/2020 ) informing us our mortgage had been placed on a forbearance until XXXX and they would be reporting to the Credit Bureaus. We did not consent to this forbearance and did not want it. We immediately called US Bank and asked to be removed. They required that we write them a letter and send it to them ( via email ), which we did ( sent XX/XX/2020 ). They received and processed the letter, yet failed to remove us from the forbearance. We continued to pay our mortgage on time as originally agreed, and had to do so manually as they disabled our auto-pay due to the forbearance status. Thereafter, my credit score dropped 100 points due to a remark on my credit report from US Bank because of this forbearance. After a great deal of hassle, US Bank claims they have removed us from the forbearance and submitted credit corrections. XXXX updated my score ( increased 102 points overnight ), but XXXX did not. ( I do not have quick access to XXXX score ). I have checked again today, XX/XX/XXXX, and my credit score on  XXXX has once again dropped 102 points due to a US Bank Mortgage remark. My husband 's credit has been negatively affected as well. As a result of my credit plummeting due to their carelessness, we have been unable to even consider a refinance ( currently very low rates and wanting to get away from US Bank ),  purchase a new vehicle, or seek any new credit. I am waiting for a comprehensive list of documents and call records from US Bank, which I highly doubt I will receive without your help, or without a subpoena if it comes to that. My husband and I pay very close attention to our accounts and to our credit so we were able to catch this early ( still been going on for months ), but I fear for how many people this has happened to who haven't been paying as close attention and what damage this could do to someone's credit, especially with autopay being disabled and the bank making decisions on behalf of people without their knowledge or consent. Even more upsetting, this is happening at a time when we are all financially vulnerable due to COVID-19. We have no recourse but to hope the bank follows the rules ( which they have already failed to do ), and to seek help from our AG ( complaint filed ) and CFPB.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get a copy of my credit report. I have not been able to receive a copy of my TransUnion credit report for years and decades. When I am able to login, TransUnion refuses to allow me to update my address or other personal information, claiming that they are just not really sure if it is really me. The latest thing that TransUnion has said is that they have postal mailed a copy of my credit report to a long-ago previous address. Their response, to postal mail my credit report to a long-ago previous address, is ludicrous and criminal. TransUnion won't let me see my credit report, but they do eagerly send it to strangers who are living in places where I lived long ago. I have told TransUnion that I have a new address. They said they mailed my credit report " to the address they have on their record ''. They refuse to allow me to update my address or other personal information on my credit report. I am the only, only person who has any authority to say what my address is. TransUnion refuses to allow me to report my address, and also postal mails my credit report, which I haven't seen, to strangers who are living in apartments where I previously lived. This is one example of how TransUnion encourages and assists in fraud, identity theft, criminal activity, and corruption.
Product: Debt collection

On XX/XX/XXXX, I noticed presistant credit items that were not mine. I have had my identity stolen a few times ; once by a roommate I had in XX/XX/XXXX. That roommate racked up medical bills in my name, using my family information that she obtained by being a roommate with my Aunt and myself. 
Then again, my identity was stolen by a XXXX  XXXX who started giving out my personal information on XXXX, used my identity/ photos to catfis me, and gave it to his XXXX friends on the dark web from XXXX present. 
I didn't know my rights and felt powerless. 
I started reporting this activity ; whilst still getting my life on track, on XX/XX/XXXX. 
I received letter from bankruptcy attorneys and scam type calls incessantly. My friends and family have been consistently harrassed via debt collectors. 
Earlier this year, XX/XX/XXXX debt collectors found out where I live by stalking my residence and gave my information to scam- type bankruptcy lawyers. When I refused to file bankruptcy because these are not my debts ; XXXX XXXX  was the first debt collector to file suit. I was getting prepared to defend myself, as I can't afford a lawyer, when Covid19 stopped everything ( court date was for XX/XX/XXXX ). 

On XX/XX/XXXX, the credit agency Action Collections sent me a letter that they were going to pursue charges. I attempted to reach out via letter a few times to tell them to stop, that this isn't my debt and to  please stop- I can't afford food, I'm XXXX not XXXX  ( as the medical bills indicate " XXXX  '' ) and these medical bills are from malicious people stealing my identity. They did not listen. I am writing this report and sending them a third letter to please free me from this. 
Please help!
Product: Credit reporting or other personal consumer reports

Requested for this to be investigated properly and how were they able to verify this said information. They have not yet provided any of the requested information nor properly investigated this alleged debt. if they properly did so they would of seen all the errors on this debt
Product: Credit card

I have been unsuccessful in getting Capital One Credit Card to refund to my Capital One checking account an overpayment that was made to my credit card in XXXX 2016. On XXXX XXXX, 2016, I noticed a double payment to my credit card had been made from my Capital one checking account. ( How that happened is another story ; suffice to say Capital One 's online payment system does not prompt you to verify either the amount of the payment or that you in fact want to make a payment. It just processes the payment for the full amount due as soon as you click in an email the " PAY NOW '' button. That seems to be a major flaw. ) In any event, on or about XXXX XXXX I called Capital One and asked for a refund of the extra payment amount. They agreed to do so. On XXXX XXXX, 2016, they debited my credit card for the overpayment, but the money was never refunded to my checking account. However, on XXXX XXXX, 2016, the credit card division surprisingly reapplied the amount back to the credit card. When I called on XXXX XXXX to inquire, they claimed that I had instructed them to re-apply the funds back to the credit card -- something I never did. I again asked them to refund the overpayment back to my checking account. On XXXX XXXX they again debited my credit card account. But as of today, XXXX XXXX, the refund is still not in the checking account. After 1.5 hours on the phone with them today, I was told that on XXXX XXXX all that happened was a " request to initiate an investigation '' as to whether the funds should be transferred, a process that takes 5 calendar days and, if approved, the transfer would take an additional 5 business days to appear in the checking account. However, no one at Capital One, either in banking or in the credit card division, could verify that the transfer had been approved. I have lost confidence that Capital One 's credit card division can handle this seemingly simple request, and ask that you intercede on my behalf. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted written documents to dispute invalid inquiries from my credit report.
Product: Debt collection

Midland Credit Management summoned me a XXXX XXXX case no. : XXXX on XX/XX/2023 at my XXXX residence and they put me as one of my employees- XXXX XXXX XXXX XXXX They required to serve an Answer to Writ on Midland Credit Management , Inc within 20 days. Since I dont have any idea of what is happening, I dont feel comfortable to provide all her personal information to them. However, if I am failed to do so, XXXX XXXX will be the one to take care of the loan. This is absolutely ridiculous. I would like to officially file a complaint against them. Thank you so much for your help!
Product: Credit card or prepaid card

This concerns a credit card issued by Synchrony Bank ( XXXX XXXX XXXX, XXXX, PA ) to pay for a home improvement. The card was advertised as an interest free card, when in fact it is a deferred interest card. The period ended in XXXX of this year and there was no direct notice of the end of the deferred period beyond a notices on the monthly statement that was not very prominent. I also made payments, above the minimum, online not paying much attention to the hardcopy statements. There were no warnings about the end of the deferred period online. When I went to pay the monthly charge online I notice that the balance had changed by {$5700.00}, the amount of the deferred interest. When I called Synchrony to ask about the charge and explained that I had every intention to pay the balance due to avoid any interest charge, they were completely unwilling to consider removing the charge and consider that their online notification at the end of the deferred period was absent. This deferred interest card product preys on consumers that don't pay attention to hardcopy statements or pay online. Such products should be illegal. 

XXXX XXXX XXXX, XXXX
Product: Debt collection

Contract Callers, Inc. reported a {$760.00} amount collection to Credit Bureaus for City of XXXX that I have not done any business with. They have been reporting it to Credit Bureaus since XXXX XXXX and I found out later about it when my 2 XXXX XXXX cards, 1 XXXX Card were closed due to collection during COVID-19 Pandemic and later my loan requests were denied. 

I contacted Contract Callers, Inc. several times but they were not able to locate this account in their system. I provided them my Social Security Number, Phone Number, Address and whatever they asked to search the record but they were still not able to locate any record. I asked them how did they report to Credit Bureaus if they were not able to locate any records but they were not able to answer and insisted that they did not have any accounts to report under my social security, phone or address. This has caused severe financial hardship on me. 

During my last conversation with Contract Callers, Inc. on XX/XX/XXXX ; they couldn't locate any records and refused to take care of it. FOR RECORD, I DID RECORD THE ENTIRE CONVERSATION.