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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Charge Off XXXX XXXX {$4100.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} Date Open : XX/XX/XXXX Collection XXXX  XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$1800.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} Date Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} Date Open : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$4400.00} Date Open : XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} Date Open : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Open : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$0.00} Date Open : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My loan servicing was transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to Specialized Loan Servicing , LLC, effective XXXX XXXX, XXXX. This was stated in a letter from XXXX dated XXXX XXXX, XXXX. My understanding is that I was to have received notice from Specialized Loan Servicing as well at least 15 days before the transfer. However, as of today, XXXX XXXX, XXXX, I have received no communication from my new servicer. 

I called Specialized Loan Servicing today. After a 15-minute wait, I spoke with a woman who was very polite and helpful with information I asked for -- she gave me my loan number, confirmed the payment address, and said I should be receiving a " welcome packet '' in XXXX to 8 business days. I do n't require any action at this time. However, I thought it important to point out that the company did not meet the notification requirement for a loan servicing transfer.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING COMPANIES WE UNAUTHORIZED TO OBTAIN ACCOUNTS IN MY NAME. THE ACCOUNTS LISTED ARE NOT MINE 
Account name
XXXX XXXX XXXX
Account number XXXX

Account name XXXX XXXX XXXX
Account number
XXXX

Account name
XXXX XXXX XXXX
Account number
XXXX

ACCOUNT NAME 
XXXX XXXX
Account number
XXXX  
THESE INQUIRIES ARE UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 a fraud charge of {$71.00} posted to my Ally Bank checking account under the following name XXXX XXXX XXXXXXXX XXXX XXXX. I contacted Ally Bank about this charge and they issued a new debit card, but I have not yet received a reimbursement for {$71.00}. It seems that across social media, many Ally Bank customers are complaining of similar fraudulent charges and Ally Bank has not announced the degree to which there was a breach. As customers, we deserve to know what is going on with our money and quickly receive reimbursements for fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a debt that XXXX removed a long time ago because creditor was not able to validate debt in the timeframe given. 

The FCRA states debt must be removed if not validated and XXXX did just that. 

Experian is still reporting this collection account on my credit report from the company. 

XXXX Outsourcing balance of {$4700.00} This is a violation of the Fair Credit Reporting Act as Experian must Follow Suit and remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Citibank credit card was closed in around XX/XX/2018, XX/XX/2018 with credits from Citibank due to them mismanaging my credit card account the account was paid in full. They are report inaccurate information on my credit file I have reach out to them to adjust the inaccuracies they have not. 
they are showing numerous late payments on my credit file which is in the attached files along with the letter showing the account was satisfied on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

My XXXX, Transunion and XXXX reports show ( XXXX ) address that are incorrect : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The payoff process used by USAA breaks the XXXX XXXX credit card XX/XX/XXXX. I made payments to the credit card for XXXX from XXXX time frame and all payments were applied to a balance transfer rate of 1.9 % instead of the 18.15 % interest rate. Anything over the minimum payment is to be applied to the highest interest rate on the account. Furthermore, I went back to previous statements dating back years and discovered USAA charged full monthly interest on purchases even if the purchase balance existed for a 5 days ( for example ). Over a period of years, both of these equate to large quantities of interest being wrongfully charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Experian removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit card

I openend and XXXX XXXX credit card that is linked to Chase Bank in XXXX of XXXX. I make online payments multiple times per week and have not had an issue with payment activity until this week. I made an online payment on XX/XX/XXXX of {$3700.00} and another on XX/XX/XXXX for {$700.00}. I have a credit limit of {$8700.00} and with these payments I should have over {$5000.00} in credit left on my card. Yesterday and today, XX/XX/XXXX, XX/XX/XXXX, purchases are being declined though even on the app it is showing that my balance is {$3500.00}. I called the XXXX # and when I entered the last 4 # s of my card, the system put me to the fraud dept with a message that they were closed and to call back tomorrow. I called again and didn't enter anything and got to an agent who informed me that they can hold my payment and not apply to my account- though it shows applied in the app - for 7 days, meaning I can not use my card for up to 7 days, though I have paid in advance. This is completely unacceptable.
Product: Credit card

XXXX ( XXXX ) XXXX This number calls me almost every single day, twice a day. Starting XXXX I receive a call. I never get left a voicemail. When I have picked up in the past there has been static. One day I picked up and a robocall for Citibank was announced and I hung up.
Product: Consumer Loan

I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit scores via XXXX XXXX. It showed a 52 point drop from XXXX to XXXX. The message on the site was that a note was reported by XXXX that I have an account in collections. I do not have any accounts in collections. This is the second credit reporting bureau I have had to dispute recently added derogatory notes to my report which are not accurate. These so called notes are causing my score to drop and at this time I will be closing on a house in XXXX and I need my score to reflect what if actually is .I called XXXX and I was on the phone for an hour for them to tell me that it seemed like identity fraud where it was false reporting on their part. Equifax needs to check facts before they put derogatory notes that are not valid on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In the file below are accounts that I have no knowledge or didnt give consent into opening. As you can see there is a letter in my file with a utility bill showing proof of current residency. I am a victim of fraud & would like proof of each account being held as me consent or signing for it.
Product: Checking or savings account

On XX/XX/XXXX I opened up a savings account with Capital One. I transferred {$15000.00} from my personal bank account into this new Capital One savings account called XXXX XXXXXXXX. 

Several weeks later, sometime in mid XXXX, I noticed a message on the app regarding this Capital One savings account. The message on the app said '' you are funds are currently not available for withdrawal. Please call us at XXXX. '' I tried to call this number at least once or twice in that week and did not receive an answer. No person answered the line. 

I called again on XXXX XXXX and finally spoke to a representative and then the manager, both who told me the appropriate department that I needed to speak to in order to remove the hold on my savings account was not available that day. 

I called again on XX/XX/XXXX and again spoke to a representative. Again they told me the security department was not available to speak to me. So my savings account remained frozen. 

On XX/XX/XXXX, I called the security department directly. I got disconnected first time. So I Called again -- -- second guy hung up. Called a third time and spoke to XXXX ( # XXXX ) Put me on hold for XXXX min when I asked what I had to do in order to remove the freeze on my savings account. 

She sent me a link and said that I needed to upload my driver 's license to verify my identity. I did that. We also called my bank which is where I had transferred the {$15000.00} from and we spoke to one of my bank representatives to further verify my identity.

At that point, it was my impression that I was done doing everything I needed to do in order to have access to the money in my Capital One savings account.

However, I checked my account several weeks later and there was still a hold on my savings account. So on XX/XX/XXXX I called Capital One again and asked them why I still had a hold on the account. Even though I had already verified my identity. The representative told me that I needed to go in person to a Capital One brand and verify my identity in person with my driver 's license. 

On XX/XX/XXXX, I went into a Capital One branch and spoke to a representative named XXXX about the situation. He found my Capital One account on his computer and was able to verify my identity using my driver 's license. However, he had to go on the phone with somebody else from Capital One and this woman told me that although I had gone in person with my ID, my savings account frees still could not be removed. She said something about meeting further investigation before the freeze was removed. 

I told her this was unacceptable, as I had put my money in that account 3 months ago now. And I also verified with XXXX that during the 3 months that my XXXX XXXX dollars has been frozen in the Capital One savings account, I have received {$0.00} in interest on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has erroneously deleted an address that should be included, I had resided ( rented ) from calendar year XXXX to XXXX as follows : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. 

I recall that error being done XXXX and XX/XX/XXXX when I was attempting to remove an address I could not recognize ( XXXX XXXX XXXX XXXX, CA XXXX ) that did not belong to me. Experian deleted erroneously a correct address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CA XXXX ) the XXXX address and it was not corrected, included back in my report as expected. It was revealed and noted during one of the communications ... 

I called recently, and I was told that they can not include any addresses that banks do not report. I found an Experian report I had kept from XX/XX/XXXX as a back up evidence that in my prior reports, the XXXX address Experian claims was never reported to them, was included and it was removed erroneously XX/XX/XXXX by an Experian employee in lieu of another address I had requested to be removed. 

Please add my address as shown above, to have an accurate report of list of addresses I have leased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CRA ; CFPB ; Please see the attachments below and you will notice why I'm so sad right now. It's no way that these accounts were previously investigated based on my request. They've failed to comply with my request as a consumer and they continue to report those items with multiple inaccuracies, incomplete, misleading and inconsistent with payment history, different and questionable balance, past due amount on collection accounts, etc. I believe some of these accounts pointed out were involved in previous litigation and they must be removed from my credit report. I'm stressed and i'm getting alot of anxiety seeing my request going neglect. Also, The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they arenot reportable as per the FCRA, since they are inaccurate. 

******NON-COMPLIANT NO PROOF OF TRUTH!!! DELETE! FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law XXXX XXXX : Account # XXXX ; COLLECTION Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX *****
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint against this company ( Transunion ) on XX/XX/20 for repetitively reporting inaccurate information to my credit report subsequent to me contacting/notifying them several times in regards to this matter. My most recent complaint resulted in the company accusing me of using a credit repair company and also refusing to investigate my claim. I am not now, nor have I ever used a credit repair agency. The accounts in question do not belong to me and are not related to any transaction that i have made. They are the result of identity theft. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information that appears on my report, also, that the credit reporting agency must conduct an investigation. This company blatantly violated my rights.
Product: Checking or savings account

I purchased a 12 month CD on XXXX to expire on XXXX in the amount of {$240000.00} account no. ( XXXX ) from Marcus by Goldman Sachs. I asked if I was able to withdraw my interest at that time which was {$4700.00} without a penalty and they said yes, I gave them permission and they transferred that amount into my Chase checking account only {$4300.00}. When I inquired about the short fall nobody could give me a reason. Soon after that transfer was made the account was liquidated and a {$3000.00} penalty was charged from what I was told. I did not give them permission to liquidate the account. I have made several calls to Marcus and have spoken to 15 customer supervisors & nobody has been able to answer my question of who authorized the liquidation of the account or has been any help I would appreciate any help that you can provide to assist. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

according to consumer rights, there are several violations, please address violations.along with blocking and removing from report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with XXXX XXXX and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. This is unacceptable.
Product: Student loan

I received a letter from MOHELA dated XX/XX/year> about a student loan ( acct num XXXX ) that is apparently in my name, but which I never opened. I have never had a loan or account with MOHELA, or with any other student loan provider, so this loan must have been opened fraudulently. I mailed a response to that effect to MOHELA on XX/XX/year> and I haven't received a response. I received a quarterly loan update letter dated XX/XX/year> which I responded to on XX/XX/year> saying that this was not my account and must be fraud, and I haven't received a response. I received another letter dated XX/XX/year> amount an enrollment status change.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
Product: Payday loan, title loan, or personal loan

I paid off the loan on XX/XX/XXXX. At that time I called the company and they had indicated that I had overpaid by {$94.00} and that I would get that balance in the form of a check within 30 days. 30 days passed and I received an email stating that my next payment was due on XX/XX/XXXX. I contacted them on XX/XX/XXXX and the representative I spoke with stated that the payment message was a mistake. On XX/XX/XXXX I tried to use my bank card and was denied because there was a pending ACH hold on my bank account from Net Credit. I will contact them again today when they open and ask them to erase my bank account information. Also, when i call they state that all calls are recorded for QC purposes. Also, I can not get a paper statement or a pay off notice from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.