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

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX Addresses : The following addresses are incorrect and should be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following address should be added : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to my car situation and not being able to get a rental due to losing my job etc. I want a better car payment. I was able to get some extra cash by paying extra on my car payment but I still lost a good paying job. Plus having XXXX XXXX, daycare is not cheap.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

A PAYPAL CREDIT line was opened fraudulently under my name. I have contacted the company, Syncrony Bank with whom the account was opened with numerous times and apparently the charges where made with the use of an old last name and a very old address. I'm an not aware of any of these charges and should not be held responsible. These charges were made fraudulently.
Product: Credit card

I booked and paid for a stay at XXXX XXXX through XXXX for XX/XX/XXXX. On XX/XX/XXXX, I decided to extend the stay and asked the hotel front desk. The next day I winded being charged by XXXX that XX/XX/XXXX. I called that hotel, and the manager told me I ought to be seeing a refund in days. But I never did. And I could not get her to respond back to me in writing. I asked CapitalOne to dispute the charge. CapitalOne initially denied my claims and would not allow me to dispute the charge with XXXX. They insisted that I open a new dispute against XXXX. And now they are denying the dispute with XXXX also. Like the evidence that showed I was charged for XX/XX/XXXX once by XXXX and another time by XXXX XXXX is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 14 credit card inquiries that I have no knowledge about, I am a victim of identity theft where some one opened credit accounts with my information, I filed a complaint with the police department and credit companies and also filed credit fraud but they will not remove them..dont know what else to do..
Product: Credit reporting or other personal consumer reports

I am in the process of closing on a home and was notified that XXXX XXXX XXXX reported I was late making my auto payment for the month of XX/XX/year>. I refinanced my loan and the new auto company paid the auto loan in full on XX/XX/year>. My XXXX XXXX was impacted causing me to no longer qualify for the loan and I have called XXXX on XX/XX/year>, XX/XX/year> and XX/XX/year> and have spoken to numerous departments and they refuse to send me a document advising the XXXX payment was reported in error so I can provide it to the mortgage underwriters to honor my credit score while waiting on the corrections to be applied to my credit report since they advised it can take up to 60 days for the corrections to be applied. Ive expressed this is a time sensitive issue and the seller is backing out if I am not ready to close and begged for the letter since they have faxed me other documents that dont show the info I need and they keep advising its nothing more they can do.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information, accounts and inquiries that needs to be investigated and corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While selecting options in the prior pages there were not choices which apply exactly to my situation!? 
I have a dispute with FedLoan Servicing for reporting me " 90 Days Late '' on TEN accounts without contacting or attempting to contact me in any way. 
I have 10 School Loans on my name for my son 's college education. He graduated 3 years ago and has been struggling with drug addiction. The loans ( mine and his ) were placed on " forbearance '' status since his graduation. In XXXX, XXXX, FedLoan Serv. sent me an email notifying me to log on, and extend the " forbearance '' status of my loans, based on mine and my son 's being unemployed, and I having to care for my elder mother. 
This was the last communication I received from FedLoans! 
In XXXX of XXXX my son was committed to a Clinic for XXXX in XXXX, where he presently is. Since then the family attention and resources have been devoted to his treatment. Prior to him checking into the facility, he assured me that the loans are in " forbearance '' mode. 
In XXXX, XXXX, I incidentally discovered that FedLoans have had me reported " 90 days late '' on all 10 accounts to the Credit Bureaus .They told me they SENT ME A TEXT on XX/XX/XXXX. I verified with T-Mobile that this is not true. When confronted with the fact, on XX/XX/XXXX, they ( XXXX ) stated " ..still, it is a correct reporting ''. They claim to have sent emails to my son 's ( he has not have internet access since XX/XX/XXXX ) email, being the 'primary ' in the account, while mine is 'secondary '. I am residing, since XXXX, at the only address they have on file. The phone number they have on file for me, I have had for 15 years. 
Please, let me know if I can help with an additional information. 
Thank you. 

XXXX XXXX. 
PS : FedLoan Services did offer, and provided me with a letter/statement that I am, and have been current on all accounts, BESIDES the 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AUTO is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. 
I recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. 
I respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.
Product: Credit card or prepaid card

I contacted Synchrony home 2 months prior to have the 25 % intrest rate reduced. my balance continues to increase and on an online chat I was advised it could be up to 39 percent. I checked my statement and saw it was 29 percent. im never able to get the same answer either through calling, chat, and my balance never seems to decrease.
Product: Checking or savings account

I paid {$6000.00} from my debit account to my credit card. 

Two days later the bank took {$8000.00} out of my debit account and put toward the balance of my credit card. 

I did not move this money, this is the second time that the bank has " accidentally '' done this. 

Last time you reached out to them on our behalf, they reversed the second transaction immediately. 

This time when we called them they said they'd fix it and they did not. The {$8000.00} was reversed from our credit card payment but it was not restored to our debit account. 

Our mortgage payment could not go through as a result of this. Which has now hurt our credit score.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXXXXXX appear on my credit reports as a hard inquiry that impacted on my credit score. I never authorized hard inquiry on my credit report for this company. 

Please launch an investigation into XXXX XXXXXXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXXXXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

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

XXXX  has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

Transunion account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is 13 years old and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report which reflects how this account is reporting. Please notice the STATUS DETAILS which states : This account is scheduled to continue on record until XXXX 2017. Yet it is still listed on my credit report. Experian is the ONLY credit reporting agency to report this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file
Product: Debt collection

Fraud has been committed against me and have caused great pain. I have attached information for better understanding.
Product: Student loan

I moved from XXXX  to XXXX  and I was never notified if my loan status. I received a letter in XXXX  stating that I borrowed $ XXXX and I was to pay XXXX for attorneys fees and XXXX in interest. I advised the company that I was not aware of this matter and they stated that there was nothing they can do. I moved to XXXX  in XXXX of 2009 and this notification was sent 4 or 5 years later.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 reporting or other personal consumer reports

recently reviewed my consumer report and noticed inaccurate and incorrect information reporting
Product: Checking or savings account

BoA makes it VERY difficult to make a reg E claim. Criminal!! Im a bank expert and know it shouldnt be this hard. 
They sent me an email, likely fraudulent transaction. It was. So go to mobile banking, low tran business acct. Clearly fraud. 
Tried to dispute via mobile. 
Had to go to internet banking. 
Enter last 6 DC - done Enter TIN - done Then 6 digit code via text - done Then new passcode - done And repeat. And repeat. Stuck in a loop. 
Had to call. Extended hold time. Turns out internet banking uses debit card and since debit card has a hold, you can not dispute on internet banking. 
Frustratingly on hold, message keeps saying you could dispute on mobile or internet banking. Infuriating. 
After 32 minutes hold- spend 15 minutes on a call to dispute an obviously fraudulent set of transactions ; a process that should be done via text or in mobile banking in a minute. 
Seems to me that BofA makes it confusing and difficult on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to my commenity bank/express account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by XXXX points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.
Product: Credit card

I charge XXXX Transactions to my Apple Titanium Credit Card, and notice that only with XXXX  Transactions are charges erroneously elongated, with multiple pending charges that appear to do nothing more than consume my available credit for obscene periods of time such as XXXX weeks whereas other transactions are resolved the same day, even on weekends.
Product: Mortgage

When I called my servicer and advised that my income was suffering due to covid 19. I was not offered a forbearance. All of the representatives I speak with are condescending and did not offer other options. I was told I received a one-month deferment ; I dont understand why I was not offered that when I was many months behind. The only option was a repayment plan which doubled my payments. 
Also, in XX/XX/2022 when she called in to make her repayment plan payment, her representative advised her she inadvertently removed the repayment plan and she had to start over with an initial payment of {$4500.00} vs the repayment amount of {$2300.00}. 
Why was I not offered a loan modification? They just tell me that its not an option but dont indicate a reason.