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

Experian recently investigated an account on my credit report. I disagree with the findings and the fact that the account is still on my report. This account is affecting my ability to obtain credit due to its inaccuracy. Please promptly Re-Investigate the following account XXXX XXXX XXXXXXXX. Please act in accordance with the Fair Credit Reporting Act, Public law 91-508, Title VI- Section 611 ( a-d ) when dealing with this matter. After investigation is finished please provide me with all business names and addresses that you used to verify this information so that I can follow up with them to verify. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, a collection company, re-aged an account and reported inaccurate and false information to TranUnion and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to XXXX XXXX XXXX  during XXXX. 

XXXX XXXX XXXX  reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year XXXX.
Product: Student loan

I'm a Teacher and have been in repayment status since I graduated college in XX/XX/XXXX.  I've maintained consistent, full-time, qualifying employment and have never missed a payment on my loans. I've behaved in such a fashion to ensure my eligibility for the Public Service Loan Forgiveness ( " PSLF '' ) program.

This year, I became eligible for the program and began to inquire about how many payments the lender has recorded that I've paid. After several calls to customer service, I couldn't get a clear answer. Rather, they initiated a payment review in XX/XX/XXXX. I called today ( XX/XX/XXXX - Spoke to XXXX ID XXXX ) and was informed the payment review still hasn't been completed. I was told that the payment review is indefinite and could take months or even years to complete. I was also informed that while my account was under payment review, I would NOT be eligible for the PSLF program. 

I asked for a timeline of when the lender expected the payment review to be completed ; they indicated they did not know. The lender said once a payment review is initiated, it can not be stopped or cancelled and has to run its course. I pleaded with the lender, asking for this process to be escalated, to no avail. I also explained that the lender is holding my account XXXX and keeping it in limbo ; meanwhile, we're paying interest and payments as required by the terms of our loan. We simply can not make an informed decision about how to proceed with our loans ; whether or not we should refinance them to avoid paying excess interest, or stay the course with the PSLF program. 

I recently applied for the PSLF program and was denied, showing that I only had made 31 qualifying payments. I then applied to the Temporary Expanded PSLF program and was subsequently denied because I hadn't made 10 years of payments. Despite the lender 's reasons for denial of both programs, I boldly attest that I've been paying on my loans, consistently and without delay, since my graduation from college XX/XX/XXXX. Ten years. 

I've done all that I can do up to this point. Our only recourse beyond this complaint is to move forward with civil litigation. Our hope is that this complaint will aid us in obtaining the relief we desire.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof. When questioned about this, they decided to not provide proof at all. 

I sent them another certified letter delivered on XX/XX/2020. To date, they have not provided proof of their investigation. They've had over 60 days to send me proof, and they have consistently ignored my requests.
Product: Checking or savings account

BOA closed my accounts on XX/XX/2023, following their investigating of disputed charges. After having not received my funds I went to the local branch Bank of America XXXX XXXX XXXX XXXX, NJ XXXX. I went to them on XX/XX/XXXX. Together with the associate we called risk security at which point I filled out a hardship case. I was told that I would get my money within five business days. I clarified the amount that I was expected to get for both my checking and savings account and was told I would receive a certified check. Today on XX/XX/XXXX, I was told that the account is still under review and any check that I receive would be through the mail. The fraud charges for which BOA was investigating totaled {$460.00}. In the meantime they are holding my money amounting to sum {$12000.00} in both my checking and savings account. BOA has every right to close my accounts ; however they have no right to keep me from my money for over three weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions has been reporting an account delinquent that never was. According to statements and printouts from the bank the account is current. There are late fees that are passed due but payment has been made before being 30 days. Regions back office and branches can not figure out why the systems do not match up. This is affecting my credit and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a fraudulent bankruptcy on my credit report and Credit Reporting Agencies refuses to investigate and block the fraudulent item from my report.
Product: Credit reporting or other personal consumer reports

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move f
Product: Vehicle loan or lease

I tried reaching out to this company requesting information. I gave them the address of the prison I was in so we could communicate. They never got back in touch with me. I am trying to buy a home and this is killing my credit. I have asked Credit Accepatance to remove this from my profile with no luck now I amtrying to file a fraud since I didnt open this account
Product: Debt collection

On XX/XX/2023 a XXXX page fax was successfully transmitted to Express Collections The fax. included a cover page, Identity theft affidavit, a police report and a letter expressing the collection was a result of identity theft. 

On XX/XX/XXXX, I contacted Express Collections and was informed that I needed to prove that there was some actual investigation regarding this collection and that the documents faxed would not be sufficient to remove the collection. She stated that an identity theft affidavit along with a police report would not be enough. She needed something stating that the police was investigating the matter. 

I have followed and met all requirements according to FCRA and FTC. I have no contract with Express Collections and therefore, owe nothing more than what's been provided. 
They are disregarding the law.
Product: Credit reporting or other personal consumer reports

Hello! so according to the texas child support attorney office they dont have to abide by and laws. on XX/XX/year> i reached out to the child support office to send me the terms and conditions saying you guys can report my information and any agency without my consent they could not provide and according to U.S CODE 15 1681C IT IS ILLEGAL and i wanted it removed they response was get an attorney. so i asked Experian, XXXX, and XXXX to have it removed i got nowhere.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I was alerted by my XXXX XXXX that my credit report through Equifax was unable to be pulled. 

XX/XX/XXXX, after numerous calls and being transferred to different departments just for the call to be disconnected. I was finally able to get someone on the phone to figure out what was going on. My birthday year was changed from XXXX to XXXX, I was able to upload my drivers license via website and that was verified. Now XXXX, same issue there's a block somewhere, I sure haven't placed a block or a freeze. Called again, this time it's my address being flagged as fraud!! I was told the only way possible yo get this fixed is to send them a copy of my driver 's license and social security card, as well as a utility bill. That is not at all secure, which can cause even more issues. I asked for a better, more secure option and was told to send it by priority mail. 

I'm paying substantially more for everything because lenders can not pull my report to offer better rates. This has caused a considerable amount of unneeded stress. The only solution is to send all my information via the postal service. I can verify my identity through the IRS so much easier than Equifax. 

There has to be a better solution.
Product: Debt collection

They contacted me and identified the debt amounting to {$740.00} and I never received information to verify and validate the debt.
Product: Mortgage

Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year XX/XX/XXXX and XX/XX/XXXX. Our property insurance is included with our mortgage payment and has never been late, Instead of paying XXXX XXXX charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee XXXX and spoke with XXXX XXXX and XXXX and requested a escrow statement and was advised that because I have a chapter XXXX bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is not part of bankruptcy and the mortgage payment has been paid on time for the last XXXX years. I also do not have access to my account online to be able to keep track of my payments. Customer service and the insurance department refused to give me any information regarding my account and I am concerned that my hazard insurance will not get paid.
Product: Mortgage

My mortgage has been services by Loan Care, XXXX XXXX XXXX, XXXX XXXX, VA XXXX since XX/XX/XXXX. I attempted to log into their system in XX/XX/XXXX to make a payment. The system would not allow me to log in using the credentials I had been using for the past 11 months. When I contacted Loan CarXXXX they would not explain why I was unable to log in. Someone was supposed to contact me to resolve the system issue but no one never contacted me. Today, I again attempted to log in and was still unable. When I contacted Loan Care again, I was told by their Customer Service department multiple people were unable to access their online accounts. I am concerned based on what seems to be low levels of security as well as the fact my access and other customer 's access was shut off that they may have breached. I would appreciate it if someone would be able to investigate my concerns.
Product: Checking or savings account

Original Complaint : I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on XX/XX/XXXX because I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the runaround and just want my money back. -- - This is my second complaint to CFPB. My money is still missing! I got a letter from US Bank that they could not locate a record of the transaction and closed my case. I contacted XXXX again and they told me to contact US Bank again. From XXXX : On our end, the transaction was delivered successfully to them. It's just that in this case the money went out of XXXX and it's on their end the issue. XXXX Number : XXXX Transaction Trace Number : XXXX Transaction # : XXXX US BANK TRANSFER TRANSFER Transaction ID : XXXX -- - I attached the response from XXXX XXXX With additional trace number : # XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed had i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to recieve any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within 30 days this has been over 3 months and still have conflicting information and have not provided proof this belongs to me. 

I am contacting a lawyer to represent me if this is not addressed and account is removed from my credit report for emotional distress and punitive damages due to not being able to purchase my home from this false account i never took out.
Product: Mortgage

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


SELECT PORTFOLIO SER XXXX
Product: Debt collection

I was called today by a person claiming to be from this bank! There is no reason for notbwriting to me! I consider this telephone call an annoyance at best and harassment at worst!
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I have no idea why they are there. I review my credit report regularly, but this time I encountered discrepancies I hadn't seen before. I even refreshed my browser, thinking it might be a minor glitch, but the accounts were still there. Therefore, I request a thorough review of the documents I have provided to prevent any further concerns.
Product: Vehicle loan or lease

On XX/XX/year> PenFed ( Pentagon Federal Credit Union ) sold my debt to a collection agency. I have tried to no avail to obtain a letter from PenFed confirming that they have no interest in the debt. However, PenFed is claiming that there is a {$42000.00} debt remaining after the debt was sold. It seems that PenFed is accepting money from the collection agencies while attempting to collect from the consumer as well. 

This is fraud, they are doubling dipping.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I opened an account with a firm for a small purchase from XXXX 's bridal. I had payment installments that were due each month on the XXXX and they have all been paid in full my payments were automatic and should've came out of my account and according to them, they marked my account as 30 days past due My final payment I made on the account was XX/XX/year> in the amount of {$110.00} as of XX/XX/XXXX they reported my account as 30 days past due and it's showing on my credit history that I have an outstanding balance in the amount of the {$110.00}. I don't have an outstanding balance I have closed the account I have submitted this form numerous times, and it's saying that it will remain on my credit report. I have worked very hard to get that XXXX XXXX up and for this to happen, and nothing being done about it. I am very disappointed and this is causing financial issues on my end. I tried submitting photos to show proof that it was paid off, but it wasn't allowed. I really need this resolved.
Product: Credit card

Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$7600.00} ACCOUNT NAME : COLLECTION ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$570.00} The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX , MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NH XXXX
Product: Debt collection

National Credit Adjuster fail to provide me with the original contracts Title USC 1681 ( XXXX )