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

Experian has my credit file mixed with another person, someone who has a similar name but a different gender. My name is XXXX. I am not only being penalized by Experian for their mishap, but I have no XXXX XXXX and I'm being advised that I'm unscorable due to my being deceased. I am alive, and I mailed a XXXX  letter, my XXXX, and my Social Security card proving I am not deceased. Experian ignored these notarized and official documents and nothing changed for over a year. Experian is allowing a company called XXXX XXXX to report on my report for someone else, but I am not that person, nor am I dead. I have filed disputes, and my next step is legal action. I want XXXX XXXX removed from my profile along with the name that is not mine, which is not my XXXX. I am being denied credit because Experian refuses to update this information. I want it updated ASAP. My dispute with XXXX XXXX should be resolved by XX/XX/2024, based on the XXXX XXXX allowed.
Product: Credit reporting or other personal consumer reports

Experian score XXXX, XXXX XXXX, and XXXX XXXX. Notified that I have been named in more then a few data breaches, social security number on the XXXX XXXX  for what or how ... Experian is reporting Fed Loans that has been cleared - Social Security XXXX XXXX ( diagnosed with XXXX XXXX ). This is all about The credit Reporting False Information Causing Me Financial Hardship. Please stop the reporting of incorrect information. 


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

In XXXX and XXXX I sent a Police report to Transunion for identity theft. They refused to do a proper investigation and allowed the fraudulent charges to remain on my report. XXXX and XXXX XXXX remained on my report years later. I dont think I should be responsible for identity theft charges as a matter of fact I am not responsible. XXXX is back on my report. Ive filled several disputes asking that Transunion delete the name XXXX from my credit report and the address XXXX XXXX XXXX XXXX XXXX because they are tied to fraudulent charges and accounts in my name. I have provided them with Divorce Decree, Police Reports, Social Security Card. Transunion is very nasty on the phone when I contact them about these issues. Not only is the name XXXX and the address connected to fraudulent charges and transactions but XXXX XXXXXXXX. Transunion has 16 inquiries on my report that I have disputed and they refuse to remove them and they were inquiring on the name XXXX XXXX and that isnt my name. 16 inquiries in 30 days from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

New York state had one orginal file of my mom 's first husband of XXXX XXXX XXXX who is XXXX over 700 listings and retailers wrecked on his documents attached to my documents in New York state. 

Federal not interested anymore in New York state, and won't marry into New York state New York state also frauded my family 's documents of XXXX and XXXX and XXXX and frauded using XXXX frauding my birth certificate long form of Indiana State They also let family 's bother me documents as XXXX XXXX menus and products. Federal not interested. 

Washington, Maine and Massachusetts and Rhode island and Pennsylvania and new Jersey and Delaware also frauded my documents and families documents when only XXXX XXXX XXXX was from Pennsylvania state and XXXX XXXX XXXX XXXX was from Pennsylvania state. 

Others frauded using XXXX and XXXX and XXXX and XXXX and with business permits and XXXX XXXX in all of those counties Washington State and Massachusetts and Rhode island and Pennsylvania and New York state fraud my documents.. my birth certificate of XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX XX/XX/1972 isn't from those state. 

Maryland also pulled frauding scams using my documents and Nebraska and Mississippi and Kentucky and Montana and Ohio and IA state really bad. 

Others frauded my documents using food products and receipts and tv shows. 

XXXX and Florida State and Nevada state pulled none stop frauding scams using my credit files as tv shows scripts and radio till you had to turn off the tv. 

Others pulled frauding scams using cops tv shows media scripts frauding my documents..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked XXXX, XXXX XXXX and equifax, to report accurate information regarding this XXXX account and they keep saying the information is verified in compliance, when the consumer law states they have to report 100 % accurate information but there's obviously not a human looking at my dispute. 

PLEASE SEE THE ATTACHED DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote a dispute letter to Equifax uploading proof from the United States XXXX XXXX stating that they do not report my XXXX XXXX XXXX to any Credit Reporting Agencies. Inlcuding not all Equifax, XXXX, XXXX, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of XXXX XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Home Depot/ Citibank is not adhering to the protection order for credit reporting under the statute below, SEC , 4021 Credit Protection During Covid-19. I contacted Home Depot customer service on XX/XX/XXXX, over the phone on a recorded line. I was told that the COVID-19 pandemic ended in XXXX. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquires are : XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

Equifax 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed some inquiries that are not mine
Product: Bank account or service

We opened an account with PNC earlier this week and they turned around and closed our account. My wife got a check from XXXX XXXX fro money that was left to her from her Dad. We went to the PNC in XXXX NJ to open an account. We told them up front we think we owe money and if we do we want to take care of that and open a new account. 
The opening of the account was approved b y the branch manager. with {$100.00} of the {$20000.00} check being clearded right away. then two days later Yesterday the entire check was cleared. Then they took out what was owed to them. then turned around and closed the account. they said corporate looked at the account and decieded to close it because of activities from past accounts. I said well what was owed was paid so I do n't understand what your talking about
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Mohela sent me on XXXX an Auto Debit payment Confirmation. which I believe is a Statement. The statement has a date of XXXX  But this was not sent to me until XXXX 
I was on REPAYE and was moved to SAVE. During this my tax filing status and number of dependents was changed from Married Filing Jointly with Three Dependents to Filing Single. This changed my payment from {$0.00} to {$370.00} a month. On XXXX I sent a message via Mohela website explaining their error and recieved a confirmation I would hear back in 3 days On Monday morning 9/25 I called and after 4 hours and three escalations I spoke with someone who understood their error. The CSR filed their error and said I would receive a response in 2 or 3 days. On XXXX  Mohela withdrew the incorrect {$370.00} from my account. I messaged requesting the correct calculation and a return of my {$370.00}. I have not heard back.
Product: Credit reporting or other personal consumer reports

Hi there, I hope this message finds you well. I am writing regarding a wrongful charge on my credit card by a merchant, which resulted in my only late payment on my credit report. 

In XX/XX/year>, I attempted to cancel my subscription with the company XXXX. I clearly remember clicking the " Cancel Subscription '' button. However, instead of canceling, XXXX adjusted the frequency of my shipments to once every XXXX months. Since I was using this card solely for this service, I stopped checking it after canceling the subscription, as there were no charges. Unexpectedly, after XXXX months, XXXX charged me for their products, resulting in a late payment. 

This is the first blemish on my previously perfect credit history. 

I have been trying to resolve this issue with XXXX, but they refuse to help and insist that a chargeback can only be initiated by the financial institution. I have spoken to several XXXX representatives, but they can not assist since the charge dates back to XXXX  They are not the only ones that can request a chargeback, because XXXX is telling me that they can not do a chargeback on themselves. Essentially XXXX is blocking me from filing a dispute. 

Please help me rectify this situation. I am trying to buy a home and do not want to incur thousands more in interest due to this small blemish on my history. I aim to remove this late payment and qualify for the best rates possible. 

Thank you for your assistance.
Product: Mortgage

I entered into a Covid forebearance plan with XXXX XXXX servicing in XXXX. The mortgage was then sold to XXXX XXXX XXXX and the forebearance plan continued until XXXX of XXXX when the plan reached the end of the allowed time. I reached out to XXXX to explore options for repayment of the forebearance and they informed me that the loan had been sold to Residential Credit Opportunities Trust VII-B at the end of XXXX and that I would have to contact them for options. This was the first time I had been made aware of the transfer of the mortgage to residential credit opportunities trust VII-b. I contacted them and asked what options were available to me for repayment of the forebearance and they told me that they were just the servicer of the loan and that they didnt have any options available to me. They said that they would foreword my request to the proper people and that they would be contacting me within 10 business days with my options for repayment. I was told that I would receive a phone call and an email with these options, I never received either. Ive tried to contact residential credit opportunities trust VII-b several times since then and they always put me through to the case manager where I always get their voicemail and they wont return any of my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years, I have been investigating my credit report and this process has caused severe depression upon me as XXXX, Equifax, and XXXX XXXX reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the XXXX reporting agencies varies tremendously. XXXX consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by Equifax. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.
Product: Credit reporting or other personal consumer reports

Experian ruined nearly perfect credit score by allowing a fraudulent collection against me by a dubious medical bill collection agency. I am a XXXX XXXX and receive all my care from VA so I dont receive medical bills. Therefore any claim from anyone for medical debt is a fraud. I shared this information with Experian and they ignored me. I paid for Experians credit monitoring protection and they failed to protect my credit. I was almost to XXXX and it dropped to nearly XXXX. I have lost faith in Experians ability to protect me as a consumer and I need help. Please. I am on a fixed income from the VA and this ruined my credit and I have no way of getting aid because of Experians cold error in judgement.
Product: Credit card or prepaid card

This is another complaint about this merchant deceiving and ripping customer, please see attached list of transactions where you will see 2 issues : 1. Synchrony  agreed to COVID-19 support and promised not to add late fee but they still charged late fee. 
2. There is a {$43.00} charge each month for card security that i never added to my card. I do not know how long they have been adding these charges to my making my total balance to almost the same even after making monthly payments. 

Synchrony must be investigated, if not then I will take my own action against these thieves.
Product: Debt collection

I contacted the debt collector and they sent over a leter saying they verified it. They did not send anything else to say what they did to vefify it. ALl 3 credit bureaus did not provide any proof either.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience redress for these violations
Product: Student loan

I have had 2 major incidents with Nelnet loan holder and want my formal complaint to be received and reviewed with care. The first issue was when my payment of {$45000.00} disappeared from my payment portal and yet the money was transferred out of my account. It took Nelnet 2 months to reflect the payment and in the first 2 hours on the phone they refused to provide any documentation that payment was received and would eventually clear. It was only after being transferred 3 times and in the later half of the 2nd hour on the phone was I finally able to get some documentation the payment was processing. 

Now, having paid all my loans in XXXX of this year, I saw a notice that I now had {$1000.00} due. This was an alarming error. I called and was again on the phone for 2 hours to finally be told it was an error and a ticket to correct the error was getting issued. No documentation was provided to me. I was told it would take 6 weeks to reflect the correction. No apology. I can't help but think this error of a new FALSE balance due is happening on other accounts and it seems like fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausEquifax, XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. 

2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA. 
3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Credit reporting or other personal consumer reports

in accordance with the FCRA XXXX account account XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Credit Inquiries Fraud XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXXXXXX XXXX XXXXXX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada XXXX XXXXXX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXXXXXX XXXX XXXX XXXX XXXX no autorizada 15USC 1681 Section 611DELATED