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

XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.
Product: Payday loan, title loan, or personal loan

I completed an application and was approved for a personal loan with Lending Club on XX/XX/2018 for the amount of {$3000.00}. Before Lending Club was to deposit the amount into my checking account they had a simple verification process. This process seemed standard and included a few small deposits of less than {$1.00} to verify the account information. I did not receive these deposit amounts into my account in the time suggested and got an email notification on XX/XX/2018 that I had received the loan amount which was incorrect. 

I promptly contacted Lending Club support to make sure that everything was done correctly on my account via their website support form. They told me to update my account info in my online account and I waited for further instructions or the deposit. I successfully received the standard test deposit of {$0.00} and a withdraw of the same {$0.00} on XX/XX/2018 but not the loan amount. 

After a couple business days I contacted them again through their support form on their website. Lending Club support emailed me back on XX/XX/2018 and provided a temporary number at which to call them back. This number did not work shortly after we completed the phone call. I was instructed to contact my bank and get fax information for Lending Club support to use. I retrieved the information and gave it to Lending Club via their website support form. 

I had no updates, after this, and again requested support via the Lending Club website support form again most likely around XX/XX/2018. Their support system emailed me back with a generic wiki message that had nothing to do with my account on XX/XX/2018. On XX/XX/2018, having heard nothing else from them, I returned a message to them directly emailing XXXX. 

Lending Club support then contacted me back via email and we have an email chain from their message on XX/XX/2018 to XX/XX/2018. This communication was basically Lending Club support trying to contact my back and also myself contacting my bank trying to verify what happened and what transactions did or did not occur. I followed up with an email on XX/XX/2018 and have not heard a response or concern from Lending Club since. 

In conclusion, I have not received the promised loan amount to date. We confirmed with my bank, XXXX, that they did not receive any deposits from Lending Club either into my account or into the possible alternate account that was the incorrect account number at the start. Lending Club keeps not being clear about what happened and their support is not adequate to solve this issue. 

Again, my bank to be deposited into is the XXXX XXXX XXXX XXXX XXXX. Their support has records of the calls and the conversations about the Lending Club issue as well. 

So that my personal credit is not affected by this, I have been making the automatic monthly payments to Lending Club even though I have not received the loan amount that I am paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. Earlier this month I disputed the delinquent account with Equifax. They updated my credit report, but instead of showing 'paid in full ' or 'removed ' ( which XXXX did correctly ) they updated it to say it was accurate. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Equifax is complicit for not removing it.
Product: Credit reporting

My inquiries fell off but then they were reinserted and I never got the five day notice ( which is as FCRA violation ). The inquires are as follows : 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, credit repair services, or other personal consumer reports

From XX/XX/2022, until XX/XX/2022, I have been trying to unfreeze, my credit, and update my name, which has been legally changed, in a US Court. Equifax XXXX. has repeatedly lost my documents, put me on hold, for hours, at a time, refused to send, my call to the appropriate department, and lastly claims that I haven't gone through identity verification, when I have. It, all, seems to be a game, over, something, very, simple. I have a state ID, proof of social, proof of address, and a judge 's order. Equifax refuses to receive the judge 's order, as proof of, my legal name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX, I settled two accounts with HSBC Bank XXXX However, they still show up on my XXXX credit report as " Charge Off ''. 

***On XXXX XX/XX/XXXX, I filed two disputes with XXXX  XXXX and I received word on XXXX XX/XX/XXXX that both investigations had concluded. For each case, XXXX reported that HSBC confirmed that the reporting was already accurate. 

***After several conversations with XXXX representatives, I contacted HSBC . A person called " XXXX '' in their Recovery Department, verbally told me that the reporting had formerly been inaccurate, but that they had sent a correction to HSBC on XXXX XX/XX/XXXX. He offered to send me letters explaining the change. 

***On XXXX XX/XX/XXXX, I received two letters dated XX/XX/XXXX from HSBC . Each stated that my " credit bureau report will be updated to reflect the following 'Charge-off : Settled for less than the Full Balance '. '' ***My XXXX credit report continues to list the accounts simply as charge-offs. 

***I contacted both HSBC and XXXX again after receiving the letters. 

***HSBC representatives told me that they had sent further information to XXXX on XXXX XX/XX/XXXX ( after the closing of both disputes ), but were unable to tell me what information had been sent. 

***XXXX  representatives told me that they could tell me the updated information for a fee. However, when I explained that I was already viewing my free consumer credit report from today 's ( XXXX XX/XX/XXXX ) date, the representative told me that any information she gave me would be exactly the same as what was reflected there. 

***As it is my understanding that accounts listed as " charge-offs '' are considered to still be owed, I want my report updated to reflect that both accounts have been settled.
Product: Mortgage

We purchased our home XX/XX/XXXX and M & T bank was assigned as our mortgage company. We recently discovered on XX/XX/XXXX that our monthly mortgage payment has increased by {$310.00} a month without any notification via letter or email from M & T bank due to our taxes and homeowner 's insurance increasing by {$1300.00} for the year. However, M & T bank created a reserve escrow account in which they are collecting {$3800.00} for the year rather than {$1300.00} which is a difference of {$2400.00} extra. They said they do their escrow analysis every XXXX but we NEVER received any correspondences from M & T bank that our monthly mortgage payment would increase due to a reserve escrow account until we logged into our account on XX/XX/XXXX to make a payment and discovered it increased. Then when we called M & T bank on XX/XX/XXXX we discovered that we were supposed to have received a refund check in XXXX of XXXX for {$540.00} that we NEVER received! This was due to paying over in our escrow as well! M & T bank said they would reissue the check for {$540.00} this month to us and that we will go through the same process again next year for this years overpayment in escrow! They are charging us DOUBLE in escrow for the year what we need to pay!! My husband is a Veteran of the XXXX XXXX and this is a VA home loan and we have NEVER experienced anything this shady before! We have been with XXXX XXXX, XXXX XXXX and a bunch of other lenders and this is the first time we've encountered anything like this! Please help us!
Product: Credit reporting or other personal consumer reports

To Whom It Make Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. 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 enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Consumer Loan

I declared Chapter XXXX bankruptcy in XX/XX/XXXX as part of my divorce proceedings. The debts included in the bankruptcy were discharged in XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX Firm in XXXX, OK was my attorney for these actions. I had a loan through Honda Finance at this time. It was communicated to Honda Finance that I intended to keep my car and continue paying on the loan and the loan was not included in my bankruptcy. Two years later, I have discovered on my XXXX Credit Report that Honda is reporting that my loan was closed and is reporting that my account status is derogatory. Meanwhile, I have been paying Honda Finance {$320.00} per month every month in the belief that I was paying off my loan and helping to rebuild my credit. A call to Honda Finance was answered by someone who was completely unhelpful and refused to offer any assistance whatsoever. Honda Finance apparently believes that they can do whatever they want, regardless of what the law says. I informed my attorney, XXXX XXXX of this situation and he advised me that Honda is in violation of the Consumer Fair Credit Act and directed me here to the Consumer Financial Protection Bureau. XXXX XXXX is willing to represent me in a lawsuit against Honda Finance, but I would like to avoid such a costly and time-consuming endeavor. I am hoping that you can investigate my case and, if the situation warrants such an action, force Honda Credit to do what a solitary individual citizen apparently can not - follow the law and refrain from screwing people just because they think they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identiy stolen in XX/XX/2020. I have contacted TransUnion about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not remove them.
Product: Debt collection

On XX/XX/2021, a collection of {$1300.00} was placed in my name on my credit profile from an unknown debt collection agency identified as Complete Credit Solution with no prior notifications sent to me via mail, email or phone. Since then, I have disputed this debt multiple times with all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX who have only stated that the debt was confirmed with no actual investigation or documentation sent to me for confirmation. I have also sent notarized and certified letters dated XX/XX/2021 for all 3 credit bureaus and XX/XX/2021 ( with an estimated arrival date of XX/XX/2021 ) to the debt collection agency and all have since refused to send me documentation of this alleged debt or their investigation methods to which I have no knowledge of creating. 

I have been the victim of identity theft numerous amounts of time and there is even a notice on my credit reports to identify all information and without proper confirmation this constitutes fraud and another case of identity theft. This debt has been on my account for over 6 months and has caused me great distress as I can not acquire vital loans or new lines of funding needed for the my financial future. 

Below are the certified receipt numbers for reference : Complete Credit Solutions # 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 Please look into this matter as soon as possible.
Product: Credit card

Identity stolen and some charges to my account I didnt make.Send email to customer service no response
Product: Checking or savings account

On Friday, XX/XX/year>, I discovered multiple unauthorized charges on my SoFi Checking account, totaling {$3600.00}. I immediately reported these transactions to SoFi on the same day. When I followed up on Tuesday, XX/XX/year>, to inquire about the status of my dispute, I was informed that the claim had been denied on the grounds that no error occurred. 

Given the timeline, it is highly unlikely that SoFi conducted a thorough investigation of my dispute within just three days, leading to the conclusion that no error took place. It appears that my dispute was dismissed without a comprehensive review of the fraudulent activity. As a result, {$3600.00} of my hard-earned money remains unaccounted for.

I am requesting that SoFi reexamines this matter with the diligence it deserves to ensure a fair and accurate resolution.
Product: Credit reporting

On multiple occasions I have disputed information with Equifax and recently I have put in writing as I have on multiple occasions asking to be provided with whatever documentation they are receiving from the creditor that is verifying the information and during my last call with them acknowledge receiving such information but said they do n't have to comply in so many words I 've requested many things of them in writing and each and everytime they say they do n't have to provide it to myself.
Product: Consumer Loan

Took out a home equity line of credit with XXXX XXXX in XXXX. In XXXX, XXXX XXXX transferred the servicing of the loan to Ocwen Loan Servicing , LLC . The principal balance of {$0.00} was noted by Ocwen in a letter on XXXX/XXXX/XXXX and the account was closed on XXXX/XXXX/XXXX. I received a letter from them stating that they were drafting a Satisfaction document to send to the county for Lien Release/Satisfaction on XXXX/XXXX/XXXX. To this date this has never been done. Ocwen is telling me that they have not received all necessary documents from XXXX XXXX to complete the process and XXXX XXXX claims they do n't know what Ocwen is talking about. And I still have a lien on my house!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. XXXX XXXX informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused XXXX XXXX to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. XXXX XXXX admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. XXXX XXXX also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If XXXX XXXX would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} XXXX, XXXX, AND EQUIFAX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.
Product: Money transfer, virtual currency, or money service

I received an email from my bank about suspicious activity on my account. There were multiple attempt to buy bitcoin with my debit card on Coinbase, a company for which I have no account. They tried multiple amounts {$1.00}, {$50.00}, $ {$100.00} .... and the only one that went through was the charge for {$100.00}. I talked to my bank and they said that they could try to get my money back through dispute form but there are no guarantees of actually recovering the funds. I called my states Department of Financial Institutions to also get some advice and was told that the process would XXXX long>. I just thought that this would be a better platform to help. I have tried several numbers and several chat platforms that supposedly belong to the company with no success. Since I don't have an account I can not receive any type of LIVE help. Please advise next steps.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I ask this inquiry to be removed it is violating my right as a federal consumer under the FAIR CARES ACT 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST XXXX LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # XXXX - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 



INQUIRY NAME XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX 2026
Product: Debt collection

This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.
Product: Debt collection

According to the fair debt collection practice act the collector is required to send notice of written debt validation within 5 days of the first contact. Choice recovery failed to comply they also failed to validate my debt after I sent them a debt validation letter. I spoke with a supervisor XXXX XXXX a XXXX XX/XX/XXXX who I informed that I replied within 30 days to the invoice sent with a debt validation request and I have received no information so why are you reporting to my credit. XXXX stated they have 45 days I then stated ok I mailed the debt validation within the time frame, he stated he did not know the date on the letter that I sent but they did receive it. I asked to talk to someone who could view the date he would not transfer me. This company does not follow rules or laws there XXXX communication to me was XX/XX/XXXX and it was a bill/invoice they NEVER followed up within XXXX business days and sent a debt validation letter. I am still waiting for the validation after my request/
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida [ XXXX XXXX XXXX XXXX ( Finance ) is listed XXXX times XXXX XXXX  is mentioned please have these companies present current contract and have them remove this please. ] Fraud Department [ XXXX XXXX XXXX, XXXX, TX XXXX ] XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute of Fraudulent Inquiries Dear Ftc Identity theft message will be forwarded to the cfpb. 



I am writing to dispute fraudulent inquiries on my account, which I discovered were made by your company. I am a victim of identity theft, and I did not authorize these inquiries or any other transactions related to them. I request that you immediately remove the fraudulent inquiries and any related charges from my account and cease reporting the inaccurate information to all nationwide credit reporting agencies ( CRAs ). 



Enclosed is a copy of my Identity Theft Report supporting my claim, along with a copy of my credit report highlighting the fraudulent items associated with your company that are the result of identity theft. Additionally, I have included a Notice to Furnishers issued by the Federal Trade Commission, which outlines your responsibilities under the Fair Credit Reporting Act ( FCRA ). These responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that fraudulent debts are not sold or transferred to another party for collection. 

XXXX XXXX XXXX XXXX ( Finance ) is listed XXXX times XXXX XXXX  is mentioned please have these companies present current contract and have them remove this please. 

Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : - Identity Theft Report - Proof of identity : Copy of my drivers license - Credit report with disputed information indicated
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 


XXXX : XXXX XXXX XXXX A XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX