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

I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments.  Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} Late Payment : Former : XXXX XXXX OREGON Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

We applied for a loan with Guaranteed Rate in XX/XX/XXXX. 

Extremely unclear customer services. Never any clarity about the process. We applied in XX/XX/XXXX and 3 months later get the same answer of " you will close any day now ''. 

We have sent all required documents promptly when required. 

This should be dealt with ASAP. 

The office information is : XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX
Product: Mortgage

Had a call from Wells Fargo customer care and recovery group regarding a complaint letter we had sent regarding their mortgage application process and how badly we had been treated. When we called they informed us that they were recording the call.. We said, we are recording the call also. She said she could n't talk to us if we were recording the call. What gives? They can record us but we ca n't record them? How does that work?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance Owed : {$1300.00} XXXX XXXX Account number : XXXX Balance Owed : {$760.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform the CFPB of my status as a victim of XXXX XXXX and the resulting impact on my credit reports. During the time I was XXXX, fraudulent accounts were opened in my name without my consent, which severely damaged my credit. These accounts are still appearing on my credit reports, despite my efforts to have them removed through the Fair Credit Reporting Act ( FCRA ) Section 605C.

Below is a summary of the situation : 1. XXXX  Details : I was a victim of XXXX XXXX, during which time personal and financial information was misused by the XXXX  to open several credit accounts. These accounts are fraudulent, and I had no control or knowledge of their creation.

2. Credit Impact : The fraudulent accounts resulted in significant negative entries on my credit report, including charge-offs and collection accounts. These entries have severely impacted my credit score, causing difficulties in obtaining housing, credit, and employment.

3. Legal Protections : XXXX  XXXXs Protection Act ( TVPA ) : Under this federal law, victims of XXXX XXXX are provided legal protections, including the right to remove financial harm caused by their exploitation, such as fraudulent debts or accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) : This law enhances protections for XXXX  XXXX  by expanding their rights and ensuring that financial and legal consequences resulting from XXXX, such as fraudulent accounts, can be addressed. 
Fair Credit Reporting Act ( FCRA ) Section 605C : This section of the FCRA grants XXXX  XXXX  the right to request that any negative credit report entries directly resulting from XXXX  be blocked and removed. I have invoked my rights under this section to have the fraudulent accounts removed from my credit report. 
4. Attempts to Resolve : I have already submitted a XXXX  block request to the major credit reporting agencies under FCRA Section 605C, along with supporting documentation, including my drivers license, utility bill, Social Security number, and a Self-Attestation Form confirming my status as a human XXXX XXXX.

5. Request for Assistance : I am requesting the CFPBs assistance in ensuring that these fraudulent accounts are removed from my credit report and that my rights under the FCRA and other applicable laws are upheld. 

The accounts involved in this situation include, but are not limited to : XXXX XXXX XXXX XXXX - Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX  - Account No : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX- Account No : XXXX I appreciate the CFPBs attention to this matter and hope for your assistance in resolving this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX  XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax three times asking for them to remove a collections on my account. Each time it has come back as verified even after I have provided proof for them to delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid for a certified letter to be mailed out with return receipt for dispute on credit report. It have been over 30 days and no response. Please remove!
Product: Credit reporting, credit repair services, or other personal consumer reports

experian report # XXXX, on XX/XX/2023 dispute XXXX, please remove this account. under federal law you had 30 days to complete your reinvestigation and youve failed to comply with FAIR DEBT COLLECTION PROTECTION ACT. THIS ACCOUNT WAS ALSO REMOVED FROM XXXX PLEASE REMOVE THIS INNACURACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the XXXX  data breach. Please help me get a response.
Product: Vehicle loan or lease

I have tried making payments from my Capital One 360 account to my vehicle auto loan back in XXXX XXXX and XXXX of 2021 to my capital one auto loan account. They sometimes would misapply payments made from the checking account to the auto loan account saying they had no knowledge of the transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding discrepancies I have experienced with recent money transfers conducted via Zelle. These issues have caused significant inconvenience and raised concerns about the reliability of the platform. I have taken the following steps to resolve the issue : Verified my account details and transaction history.Contacted the recipients to confirm the issue on their end. Attempted to resolve the matter through your customer support channels, but the issue remains unresolved.
Product: Credit reporting

I called Equifax and also faxed letters with my correct address on XX/XX/2016. They continue to report incorrect address, and places of employment for me. I have never worked at the XXXX jobs listed. I was told that they corrected the information in the system, but when I pulled another credit report they are still showing incorrect information. I have sent in supporting documents by fax multiple times for verification of my name, and DL for address. These letters where typed and faxed. I received letters back stating the request is illegible. This is impossible because it was done by fax machine, and I called and spoke with XXXX representatives that assured me the matter was taken care of. But as I said I pulled my report XX/XX/2016 and they are still remaining on my report.
Product: Credit card or prepaid card

I am a first time customer with Citi Cards since XX/XX/2019 to which I accepted a Credit Card offer from Citi Cards and they stated on the letter offering I would be 0 % APR for the first 18 months. However that has totally NOT been the case at all as a matter of fact when I tried to contact them about the issue they stated they did not have that information anywhere and did Not help me further, I ended finding out about the interest rate when I received my first credit card statement and was completely in shock of the Interest Fees being applied. If I would've know about the card not offering that offer I would have NEVER accepted it. On top of that I have contacted them twice about Help I've needed during these unprecedented times of Covid-19 and yet they have continued to charge me high interest monthly rates of {$100.00} knowing very well I have been laid off since XXXX because of the Pandemic. This is absolutely insane and ridiculous they would operate in this matter when we are facing a worldwide pandemic. I have NEVER dealt with such company that tricks you with Lies, absolutely disgusting how they are Not helping their consumers!
Product: Credit card or prepaid card

Bank of America XXXX XXXX is not giving me credit, for XXXX XXXX charges, made to my card, for the months of XX/XX/XXXX ( two charges of {$55.00}. each ), XX/XX/XXXX XXXX charges of {$55.00}. I convinced them that the XX/XX/XXXX charges should be given me. Each time my card was billed by XXXX, I called BOA, and asked the agent to file a dispute for me. In XXXX and XXXX- the agent said they would, but did not follow through. 

In XXXX, I tried to activate an XXXX XXXX, for XXXX XXXX service. I called the XXXX XXXX number on the card, and told the agent what I needed to do. She said I needed to sign up for auto pay, and I gave her my credit card details. I asked for the telephone number assigned to the device, and she said I had to call another XXXX number. I was never able to get thru to an agent, on the other XXXX number, because it wanted the phone number of the device I was calling about, before it would connect me thru to a person. 
Obviously, I did NOT have a phone number -- I was calling to get one. 

I call XXXX XXXX, and explained the problem. The charge was in pending status at that time, and the XXXX XXXX  agent said, that it wouldn't charge without a phone number, and would drop off. I was charged, twice in XX/XX/XXXX, and I called XXXX XXXX  then, and asked them to file a dispute over the charges. The agent said he would file a dispute - no dispute however was filed. 

I was charged again on XX/XX/XXXX, and called again, and asked that a dispute be filed, and I again explained the problem. No dispute was filed. In XX/XX/XXXX, XXXX again charged my card. I called XXXX XXXX and the agent ONLY filed a dispute for the XXXX charge. I am due {$220.00}. in credits, for XXXX 's eroneous charges. 

I filed a complaint against XXXX with FCC.gov. The FCC gave me ticket number XXXX. The entire problem was also documented to the FCC. 

I want BOA XXXX XXXX, to refund me the full {$220.00}. which I am due. I complained at each XXXX billing. And their agent refused to file a dispute, except for the agent I contacted on XX/XX/XXXX. 

DETAILS of CHARGES : XX/XX/XXXX - 2 charges by XXXX XXXX -- {$55.00} charges -- reference number XXXX and XXXX. 
XX/XX/XXXX charge by XXXX of {$55.00}. reference number XXXX XXXX XXXX XXXX charge {$55.00}, did receive credit for this one of {$55.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) a
ny actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX 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 card

I believe the account is invalid. FAIR COLLECTIONS & OUTSOURCING needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. FAIR COLLECTIONS & OUT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 student loans listed on my Equifax from XXXX  XXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Equifax could not have conducted an investigation with an organization that is no longer functioning.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION
Product: Credit card

I applied for a XXXX XXXX  credit card with Synchrony Financial on XXXX XXXX After many transfers, I was connected with one agent that asked me for ssn, my dob, address, etc. After recording my information he put me on hold for 30 minutes to confirm the information. After 30 minutes, I was disconnected. When reaching out to Synchrony C levels, I expressed my concern that it was odd behavior and potentially took my private data and used it in an illegal manner. XXXX expressed that that was odd behavior and not part of their process and she would look into it. A couple days later I got a notification from XXXX saying that an application was attempted to be opened from XXXX XXXX I sent XXXX and XXXX to the recorded call but they never got back to me. I've repeatedly tried to contact them to get an update on the matter, but nothing. No returned calls. No returned emails. On XX/XX/XXXX, I got a notification from my bank that there was an application sent to open a XXXX credit card.
Product: Checking or savings account

I did not receive my money as expected today due to a tech issue with capital one bank however theyve been having this issue since Wednesday and they have no provided any type of information to the consumer about why the issue started and when is the issue going to be fixed, their social media team is also abhorrent with customer service as they copy and paste the same responses even though consumers have valid concerned about this tech issue theyre failing to fix
Product: Debt collection

Received a letter in the mail on XX/XX/XXXX stating I repay a debt to Citibank in the amount of {$1700.00}. I have never opened an account with Citibank and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.
Product: Credit reporting or other personal consumer reports

These hard inquiries on credit report was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with XXXX  and XX/XX/2018 with Equifax. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/2018 ( see attached ) and XXXX   since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.