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

Request for Investigation into XXXXXXXX XXXX Reporting Practices Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating XXXX for its handling of my credit report. I have encountered numerous issues that suggest improper and potentially unlawful practices that have caused significant harm to my credit standing. 

Reasons for Dispute Reinsertion of Previously Deleted Inaccuracies : XXXX has repeatedly reinserted charges and accounts into my credit report that were previously investigated, disputed, and deleted. These items continue to reappear without any notice or explanation, contrary to the Fair Credit Reporting Act ( FCRA ) requirements. 

Incorrect Address Listings : My credit report contains multiple instances of addresses I have never lived at, despite my efforts to dispute and remove them. These inaccuracies have reappeared multiple times after being corrected, leading to confusion and potential misrepresentation of my creditworthiness. 

Failure to Investigate Disputes Properly : Despite providing documentation and evidence supporting my disputes, XXXX has failed to adequately investigate or correct the errors in my credit report. Instead, they have provided generic responses and dismissed my claims without resolution. 

Recurring Inaccuracies : I have noticed recurring inaccuracies, such as outdated or incorrect account statuses, that remain on my profile despite being flagged in previous disputes. This has led to unjustified negative impacts on my credit score. 

Impact on My Life These ongoing issues with XXXX reporting practices have made it difficult for me to secure loans, housing, and other financial services. Additionally, the repeated need to dispute the same inaccuracies has caused unnecessary stress and financial strain. 

Lender Name : Amount : {$45000.00} Issue : Loan was taken out in my name without my consent. Despite reporting this fraud to the lender and credit bureaus, the loan remains on my credit report. 

Issue : Unauthorized personal loan opened using my information. The lender did not follow up on my dispute or provide resolution.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that I had fraudulent accounts reporting to my credit. Please remove this information
Product: Mortgage

My new mortgage originated with XXXX Mortgage in XXXX of XXXX. My first payment, due XX/XX/XXXX, was paid on time to XXXX. XXXX transferred servicing of my mortgage to Lakeview Loan Servicing, subserviced by XXXX and transferred the amount I had paid them. XXXX showed this payment as a XXXX XXXX Applied on XX/XX/XXXX. The entire amount was applied to the Escrow Paid column. I then made my first payment to XXXX which was applied on XX/XX/XXXX for the month of XXXX. This payment was correctly applied between Principal - {$520.00}, Interest- {$2100.00} and Escrow - XXXX. On XX/XX/XXXX the amounts applied on XX/XX/XXXX were reversed. An additional {$520.00} was debited from Principal on XX/XX/XXXX. My next payment was applied on XX/XX/XXXX for the month of XXXX but shows with a due date of XX/XX/XXXX. On XX/XX/XXXX the amounts applied on XX/XX/XXXX were reversed. Also on XX/XX/XXXX a dollar amount of {$2600.00} shows under the AmountPaid column which is supposed to be the total amount of Principal, Interest and Escrow but those columns all show {$0.00}. On XX/XX/XXXX with a Description of Escrow Payments the amounts of {$520.00} and {$2100.00} show under the Principal and Interest columns respectively but there is no amount showing in the AmountPaid column. Those amounts however appear to tie back to the second entry on XX/XX/XXXX. It was about during this time I received an alert from one of the credit monitoring agencies I used that my XXXX mortgage was reported as being over 30 days past due and my credit score was being dinged in the neighborhood of XXXX to XXXX. I found out when I called them my AutoPay had been suspended because I was past due. I explained to them I was not past due. I had made every payment on time and the error was on their part. After many phone calls and being passed around they finally said my case would go to their Escalation Department, I would be assigned a Case Manager and they would be in touch within 7 business days. I never heard from anyone. I received an email saying my issue had been resolved on XX/XX/XXXX. I called today, XX/XX/XXXX, to find out when my XXXX XXXX was going to be repaired and was informed it would be XXXX days. This is unacceptable. XXXX made a mistake ( s ) and ruined my credit score in a day but I cant get it fixed for XXXX days??? Not right. They claim to have called me. If they did, no messages were left. I would have called. They said sent a letter on XX/XX/XXXX. I was on vacation and did not get it until returning on XX/XX/XXXX. They did not send me an email. This should be mandatory before harming someones credit score. Most people dont answer their phones today when they dont recognize the number, me included. They had/have my email. Why didnt they use it? I want my good credit restored as quickly as they took to XXXX it up. Not 60-90 days. That is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made XXXX, XXXX XXXX Experian aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. XXXX, XXXX & Experian keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX.
Product: Credit card or prepaid card

I applied to BANK OF AMERICA and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by BANK OF AMERICA. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Payday loan, title loan, or personal loan

I took out a {$350.00} Payday Loan and {$1000.00} installment loan ( contract no. XXXX and XXXX ) through LendUp in 2018. I experienced financial difficulty as the result of the government shut down and was unable to remit a payment on my loans. A male rep reached out to me regarding the loans and we discussed a payment plan and I expressed my concern regarding being charged a higher APR rate/fees when it was suppose to be lower based on my level as the result of my ladder points. I was told that he would look into it and if I made so many payments the remaining balance would be waived. I did my part and I never received an adjustment in my APR rate/fees and LendUp never updated the status of my installment loan ( it still shows that I owe when I do not ). LendUp continues to report me late to the credit bureaus which is having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Trans Union admitted in writing that they made errors on my credit report, which resulted in the decline of my credit score, causing me to have to pay higher interest rates ; they in turn removed the errors. To date they have not paid the penalties that are governed by the FDCPA which state that there are civil and criminal consequences as a result of their actions. They have received the proof of their actions and my invoice for the violations which they committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, Transunion, LLC has violated my consumer rights by reporting a Chapter XXXX bankruptcy. 

Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Product: Prepaid card

On XX/XX/year> I bought a XXXX XXXX Visa card, for {$500.00}, at a XXXX store, in XXXX, Michigan. The price, for the card, is an additional {$7.00}. After buying the card, I tried to active it, by going to their website, which is XXXX When I enter the card number, the website provides an error message, which states " A System Error Has Occurred. Please Try Again later. '' It doesn't matter how often I try, or what day it is. This website always gives this error. 

When I called the phone number, on the back of the card, the automated system says that the card number is invalid. 

I've spoken with multiple representatives. Some tell me that the card is already activated, has a {$500.00} balance, and is ready to use. Others tell me that I have to activate the card, via the website or automated phone system. When I tell them that the system won't let me, they tell me that it's the only way for me to activate the card. 

I've tried using the card, with four different vendors. Two were online vendors, two were physical stores. In all cases, the card is declined or rejected. 

Prior to buying this card, I had purchased a different one, a long time ago. That card worked, and I, recently, emptied the balance, by using it at a XXXX XXXX store, on XX/XX/year>. I then tried using this latest card, at that exact same store, less than an hour after emptying the previous card, and the card was declined. So, the card would have normally been accepted at that XXXX XXXX Store. 

This company seems to be unwilling to help. They tell me to use a system that won't accept the number. 

I've now realized that you don't have to look very far to realize that this sort of thing is happening to many, many people ; especially recently. 

Here are just a few results, after doing a quick google search : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed fraudulent information on my credit report in regards to employers : A ) Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never worked for this companies. Please remove this info from my report. 

Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX All other information is incorrect and fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AmSher Collections At around XXXX Pacific XXXX XXXX, 2017, I spoke with XXXX in the XXXX section, ID # XXXX. He told me it would take 15-30 days after payment for it to be marked as paid on my credit report. I requested a receipt after giving my credit card number and agreed to pay my debt. I also gave him my new mailing address. He stated it should take 5-7 business days for me to receive written confirmation of payment from AmSher. 

By XXXX XXXX, I had not received any receipt but had the payment to AmSher listed on my credit card statement. At around XXXX Pacific on XXXX XXXX, 2017, I spoke with XXXX and then his manager, XXXX XXXX. XXXX told me that " the letter was n't generated. '' I asked if a letter was sent out at all. " No, ma'am. '' He confirmed my new address. I asked if this was a widespread issue where AmSher does n't send out receipts. XXXX said no. He said he would escalate the issue to XXXX XXXX, Director of Operations, and the compliance officer. He also required an email where I could provide permission to contact me via email before he could send a receipt via email. 

I would like to file a complaint stating that the debt collection agency did not send a receipt for my payment, even after my request, and made me send a letter allowing permission to contact me via email before sending me anything via email.
Product: Credit reporting

I spoke with XXXX XXXX XXXX ) this morning to get an on-line copy of my credit report due to numerous errors. XXXX claims he could not send report on-line it has to be mailed. I advised XXXX that he was a liar because each time I can get in contact with Equifax ; they send the report they way I request it. I hung up on him and tried to do a dispute on-line, it states my information is wrong and to fax dispute via XXXX. I know most of the information on my file is incorrect that is why I am fixing it hopefully for the last time.
Product: Consumer Loan

i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}. 

After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX, I paid my XXXX  mortgage to the Bank of America Branch in my hometown. Last Tuesday ( XX/XX/XXXX ) I received a call from Bank of America. I did not answer it due to being at work, but I listened to the automated voicemail during lunch. I tried to reach someone on the number left ( didn't know why they called ) but didn't get anyone. I went through the prompts and found out that the last payment they have that they received from me was in XX/XX/XXXX. I called the bank immediately only to be told they could not see anything from their side. I was asked to come to the bank and bring my receipt. They couldn't find my payment from the receipt and asked to see a copy of the check I wrote. When given this information they located my payment on someone else 's account. Yes they paid someone else 's mortgage with my payment. They assured me they fixed it and I should see it by the end of the day. They even called to reassure me it was taken care of. The next day I received a call from a loan officer from the bank telling me that my payment was late and they needed it. I told her what happened and I was informed she didn't see it in her system. She said give it a day. On Friday I checked and still nothing. Also on Friday I found that the bank reported my missed ( but not missed ) payment to the credit bureau which dropped my score by 24 points. I have tried daily to get someone on the phone, but I can't get anything help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX  XXXX Ct, XXXX, CA, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Debt collection

Received a call from ( XXXX ) XXXX. The lady said her name was XXXX calling from First Source Advantage LLC. She never asked for me by name. Also the number ( XXXX ) she asked to be called back on was different than the caller ID number. I then looked up the number and read all these complaints about it being a scam. Ive never received any mail from this so called company. I would like my number removed and if need be I would like to be ceased and dismissed. 

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

In accordance with 15 USC 1681e ( b ) they are required to insure that the information they are reporting is CORRECT. Not only did they NOT insure this, but they have, even after being advised by my dispute to them and my complaint with cfpb XXXX, in which they again FAULSLY stated that their information was correct, that was a LIE. I will attach here documentation that is PROOF of their FRAUD. Their credit report shows my addresses in XXXXXXXX XXXX XXXX. I have ONLY lived in this city ALL my life. The debt was incurred in XXXX. A state which I have NEVER visited. Had they ACTUALLY bothered to actually checked for accuracy. That would have been evident to them. However, they chose to simply LIE and the CFPB chose to simply believe them WOUTHOUT demanding evidence, or demanding they provide me proof of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account has been paid off in XXXX in XXXX and its still reporting activity in XXXX of XXXX. This XXXX XXXX is attempting to reage my credit account to extend the statute of reporting guidelines. They have reported different information to each bureau and they have caused much heartache and distress due to their tactics and maneuvers to deprive me of an XXXX life by reporting misinformation ever after they've been paid Ive previously disputed this and all they did was increase the # of time in the comments of my report on how many times i supposedly paid late this is criminal
Product: Checking or savings account

My account was restricted without my knowledge, I had a deposit and found out when trying to access the funds to pay rent. I called them to find out why I couldn't use my card and was told in XXXX a letter was mailed to me with some reference code I never received they would not provide a date the letter was sent and i have been told I can't be verified by my phone number because the 3rd party public information system they use says my phone number is not mine. I am a manager at XXXX XXXX my phone number is mine it's in my name I can easily prove that to them with no problem, I have had this number on my account since i opened it, however that is not an option they said. On XX/XX/XXXX I spoke to them and was told a letter was sent yet they can't give me a date it was sent again. Today I called in again spoke to a so called supervisor in the fraud department because I still have no letter. They told me unless I get this reference number in the letter and call worth that there is nothing they can do. So I asked if they were scamming me or just stealing my money then and they said no there is just nothing they can do to help me. I do not have a branch near me the closest one is 6 hours away however I was told even if I walk in there they can't help either. They will not give me any dates when they letter was sent or from where will not tell me why this happened and this has now cause me to receive an eviction notice my kids and I will be homeless in 3 days of the rent is not paid. This is really affecting my mental health they will not even send another certified so we can track it. Please please help