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

Someone is using my identity to apply for credit cards and inquiries. There is an account that was open without my acknowledgement nor consent. I am a victim of identity theft.
Product: Debt collection

I receive regular notifications that I owe Capital One ( creditor ) {$470.00} via XXXX  ( collection agency ) to XXXX XXXX  ( current owner ). I have been a long-time Capital One customer, don't recall an outstanding debt, was never contacted by Capital One about the debt... they know where to find me, and have checked with Capital One about it. My sense is this is a collections scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by Experian and other credit reporting companies by their reporting of information that is as they state " Hurting my XXXX score ''. 
Example : On Experian they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have XXXX accounts and that to be a XXXX High Achiever I need an average of XXXX accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my XXXX brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I've engaged in a 12 month " Repayment Program '' with Discover, that allows me to payoff outstanding debt with a reduced APR. Unbeknownst to me, Discover reported a " Derogatory '' status to all credit bureaus throughout the term of this " Repayment Plan. '' There are XXXX derogatory statuses on my XXXX credit report, from Discover, today. 

As of today, I've successfully paid down my {$17000.00} credit card limit to {$5400.00} ( 30 %. ) Despite this, I'm unable to receive new business loans because of the historical " derogatory '' reports they've made to all credit bureaus, which still remain, AFTER my repayment. Discover has also notified that my account will continue to remain " derogatory '' if I'm in poor status with another financial institution. 

My ask is ; that all derogatory marks reported by Discover Financial Services, be removed from my credit reports, because I've satisfied the debt owed to them ( within the 30 % mark. ) The current situation ( their continued derogatory reporting despite my repayment ) feels predatory ; It stops me from pursuing new business endeavors that will help alleviate my economic circumstance. I've been rejected by a few banks so far. 

REPAYMENT PLAN DATES = XX/XX/XXXX - XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have an Indigo Credit Card which is now Concora Credit. They report my balance and payments to the credit bureaus on the XXXX of each month. They have already reported my credit balance as being XXXX on XX/XX/XXXX. I had a XXXX balance. I have been using my card and plan to pay it off again before my bill is due and before they report it for XXXX. Today, I got an alert from XXXX and XXXX that the company reported my credit card balance use today again and it has brought my credit score down. Why are they reporting my usage of the card during the middle of the month. I did not think that a company can report to a bureau twice a month. This is very unfair and should be against the law. This needs to be changed with all 3 bureau. I am attaching a copy of the XXXX report to show an example. They have done this with the other credit reporting agencies also,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received charges of XXXX {$26.00} XXXX on both XX/XX/2019 XX/XX/2019 on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed four old charge off accounts with Navy Federal that are past the statue of limitations with XXXX credit bureau. XXXX upon completion of the dispute deleted the accounts. Navy Federal Credit Union reinserted the accounts in violation of FCRA after having been deleted from my credit report for months.
Product: Mortgage

We are involved in a lawsuit with a contractor that has been going on for over a year. For some reason our mortgage company, New Rez, sent mortgage statements and and other documents to the opposing attorney without our permission. We asked for an explaination from the New Rez legal department as to why this occurred. We have called several times over the past several months and have never gotten an answer. New Rez customer service and supervisors have told us they made an internal complaint on our behalf against their own legal department, but we have no way to verify this. 

We are trying to make changes to our escrow account but were told no changes can be made until the legal department says so, but they refuse to speak to us. We are not sure if this is a ploy by the mortgage company to keep us from making changes to the escrow account. Our account is frozen by legal and we want answers.
Product: Credit card or prepaid card

In XXXX of XXXX I was billed {$1700.00} for something I did not purchase. I complained to the merchant and my credit card company and as a result my credit card company gave me a credit on my XX/XX/XXXX bill. The credit card company then put the charge back on my bill in XXXX of XXXX. I sent the credit card company a letter in XXXX asking them to keep the charge off my bill, a letter which they ignored. In XXXX I called them and spoke to a representative who sent me a new set of forms to start the whole complaint procedure over again. In XXXX I sent the same letter I had sent in XXXX by XXXX mail, and approximately XXXX weeks later I received a voice mail from the company 's fraud department claiming that they had " taken care of '' this issue already, even though they added the fraudulent charge back into my XXXX bill and have since kept it on my bill.
Product: Money transfer, virtual currency, or money service

I initiated an {$8000.00} wire transfer from my local Suntrust/Truist Branch in XXXX Fl, XXXX XXXX Branch from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The Suntrust Rep as XXXX XXXX  XXXX, XXXX. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and Suntrust advised to me the funds were returned to XXXX on either XX/XX/20 or XX/XX/20. My local Suntrust Branch advises that they have been reaching out to XXXX and the {$8000.00} is " in suspense ''. I am advised by Suntrust that there is nothing I can do and have to wait. The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. The Bank in XXXX was XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX XXXX Acct : XXXX. I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much
Product: Credit reporting or other personal consumer reports

I had an account with XXXX that was charged off in 2022 and sold to a collections agency, I settled this debt in 2022 with the collection company, however the original creditor is still reporting this debt as charged off and unpaid. This is greatly affecting my credit score and violating my rights.
Product: Debt collection

The original utility was XXXX XXXX, this is a 3rd party utility that provides gas supply through the distribution of your typical municipal or private utility owner at supposedly reduced rates. All billing for their service is handled through local utility, which provides distribution and billing and pays XXXX. No payments are provided by the subscriber to XXXX, all billing is handled through XXXX XXXX XXXX ( the local utility distributor ). 

I moved from a location where i had subscribed to XXXX gas product to a new location where it wasn't offered. I received a large bill from them with a very large cancellation charge. I reached out to them to dispute this based on the fact that i moved to a location where they can't provide their service. They responded by stating they would remove the cancellation fee. This conversation happened over the phone and email confirmation of the actions. This occurred in approximately XXXX of 2022. I never received an updated invoice or bill after this interaction occurred. One year later i receive a collection letter from XXXX XXXX XXXX along with a collection account placed on my credit score. I reach out to them to get a debt verification of the owed amount. They never provided a debt verification. I reached back to to XXXX XXXX to inquire about why this went to a collection account and to address it directly with them. They provided an outstanding balance that included the high cancellation fees. I sent them the communications where they removed the fees. They apologized and provided me an updated amount without the fees. I paid this amount. I reached out to the collection agency and showed them my communications, showing that i paid the outstanding balance. For months, the collection agency, XXXX XXXX, has stalled and refused to acknowledge my payoff to the original utility. All of my communication results in them stating that they need to confirm they amount with original utility. I have multiple email communications stating i am paid in full, which they are unwilling to accept as fact. I still have a collection account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union File Number XXXX Date Issued XX/XX/XXXX contains information from a third Supplemental Information obtained by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX which should not have been placed in my Trans Union Credit Report.
Product: Mortgage

The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the different names on my credit report : EXPERIAN said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX. XXXX XXXX XXXX AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX  3.XXXX XXXX XXXX XXXXXXXX : DO NOT KNOW THIS XXXX 4XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX XXXX XXXX NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.EXPERIAN needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in XXXX paid 3 years then notified by the attorney generals office that I was a victim
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXXXXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX Name Inquirer Date XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize the following accounts or inquiries in question. Im a victim of identity theft and I dont recognize these accounts in my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Wells Fargo auto dealer services. Ive co signed for vehicle with primary joint holder and joint holder was responsible for making payments.. which was opened on XX/XX/2007 I was never made aware of account being in default.. Due to not having access I was receiving phone calls and being threatened to pay debt.. Which I had no knowledge of. The FCRA states any account thats over 11 years old or more she be considered no longer responsible and be removed off of credit report..
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports with XXXX, Experian, and XXXX after being a victim of identity theft and found erroneous and inaccurate information on my credit report. The FEDERAL Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld. There are multiple names listed on Experian and an inaccurate spelling listed on the XXXX credit report. There should only be one spelling of my name, XXXX XXXX, all other spellings are inaccurate and must be deleted. There should only be XXXX address on my credit report, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; all other addresses are erroneous and must be deleted There should not be any employers listed on my credit reports all employers must be deleted. There is an account listed on XXXX, Experian, and XXXX report as XXXX XXXX acct. # XXXX, the date of last activity is not the same on each report, XXXX XXXX XX/XX/XXXX, Experian XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, these are inaccuracies and must be deleted immediately. There is an account listed on XXXX, Experian, and XXXX as XXXX XXXX XXXX # XXXX, the date of last activity is different on each report, XXXX XXXX XX/XX/XXXX, Experian XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, these are erroneous and must be deleted immediately. There is an Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX that appears on XXXX that I did not authorize. There is an Inquiry from XXXX XXXX XXXXXX/XX/XXXX that appears on Experian and XXXX that I did not authorize. There was no permissible purpose and these inquiries must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing these two things on my credit report I pulled today. I do not recall any of these items. I did not get any services at that time and if I had it would have been covered by XXXX. 

Also I do not know what it is from, the information is not listed. No one to contact.
Product: Credit card or prepaid card

I got a credit card with Kay Jewelry store around XX/XX/XXXX, with an 18 month promotional balance for the {$3500.00} purchase. then, a few months later I purchased another item on the card. Instead of applying my payments to my promo balance, Comenity bank and kay took payment towards my balance and left me with a {$1300.00} promo balance. I was not aware that they would then charge me interest on the entire purchase if not paid off last month. I called them today as I noticed a {$1400.00} interest charge on my card. ( let 's not discuss how high the interest rate is for a {$3500.00} purchase! ) Comenity/Kay says there is nothing that can be done, despite their abusive and deceitful tactics. I called and spoke to 2 different representatives today XX/XX/XXXX and they both said they can't do anything. I asked to speak to a supervisor who states nothing can be done " because of the terms and conditions of promo. '' I can't get anyone to help. If I had known that the promotional balance needed to be paid by XX/XX/XXXX to avoid interest on the entire purchase I would have done so, but now " it is too late '' ( per Kay/Comenity Bank ) .
Product: Credit reporting or other personal consumer reports

XXXX and transition MUST report the account with EDFinancial to be reported as paid as agreed with no late payments in accordance with the corrections in which XXXX also made on my credit report. If either of these bureaus feel as if this is a request they are not able to fulfill, I request for them to include the laws they are basing their decision on as well as informing me in writing of their decision by a human and not a computer generated letter within 6 business days of opening this complaint. I have embedded evidence that XXXX corrected the issue, all I am requesting is the other reporting agencies perform the same in the name of uniformity in credit reporting and maintaining fairness in the use of credit
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. 

XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, 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 inaction violates federal law and my rights as a consumer. 
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX XXXX XXXX  the amount of XXXX was takin out every day of those dates they closed my account down without even telling me also. So unprofessional now I cant open a account with them