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

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then Transunion should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and XXXX  is reporting 6 unauthorized hard inquiries and refuse to remove them also ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX please fix my account XXXX dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I sent Experian a dispute regarding personal information they are furnishing that is not accurate. Experian is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information.

I have notified Experian that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with.

Experian only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Experian did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Experian is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Experian regarding my dispute. 

I did not give Experian permission to furnish this information in any consumer file or consumer report concerning me. 

I also requested full disclosure of the consumer file concerning me in Experian 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. 

I provided Experian with a copy of my ID and a current bill showing my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps old accounts listed on credit reports as if those accounts are still active. Experian is also lowering scores in order to promote Experian boost. The are constantly trying to sell goods and services pertaining to improving individuals credit which is unethical when it's Experian that interprets individuals information and dictates the score.
Product: Credit reporting or other personal consumer reports

I have been trying to access the online website of these credit bureaus so as to get a copy of my credit report but without success.

Can they please send a copy of my credit report to the address on file please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my daughter was contacted by XXXX XXXXXXXX XXXX of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted XXXX XXXX who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.
Product: Debt collection

In XXXX of this year, I reached out in hopes of getting LVNV to remove these 2 fraudulent accounts from my XXXX Credit Report. I received a letter on XX/XX/24 saying they will not remove it without a Police Report. I am attaching the police report. For the last several years, LVNV/Resurgent has been harassing me and is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with LVNV Funding and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate. This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. Please DELETE ASAP! I am in the process of closing on a Mortgage in a few days and these 2 accounts are hurting my score. I request a removal within 3 business days and for XXXX to be notified to remove it as well because they are violating my consumer laws too by not making sure this was a legal and verified debt. XXXX was supposed to remove it while they investigated and never did or provided any proof outside of a copy of my credit report that said " Verified ''.
Product: Checking or savings account

My account was charged by XXXX When they deliver items and have some on hold they add and subtract fees over and over again and they caused my account to be hit with a XXXX charge that was already paid the day I placed my order and then they hit me with an overdraft fee for a charge that was already authorized. This should not be legal.
Product: Payday loan, title loan, or personal loan

On three separate occasions I have tried to obtain an unsecured line of credit from Huntington Bank XXXX XXXX, Ohio. In XX/XX/2021, my request for {$11000.00} was rejected. In XXXX, I made another, smaller, request from XXXX -- this time for {$10000.00}. That application was also rejected. Not only that, the bank did not extend any type of counter-offer despite my specific request for one. 

As a normal part of the application process, Huntington Bank requested my credit score. My credit score is XXXX ( out of a maximum XXXX ). This score ranks me higher than 99 percent of all U.S. consumers. 

The bank 's official reason for denial is that my income is too low and my debt load is too high. My gross income for FY 2021 was {$34000.00}, very close to the U.S. median individual income of {$35000.00} ( Federal Reserve data ). My total outstanding debt is less than {$14000.00}, which is far below the national average of {$90000.00} per person ( source : XXXX ). 

I have spoken by phone with one of the bank 's underwriting managers. Huntington is unable to articulate a credible reason as to why they would deny credit to someone whose credit history ranks better than 99 percent of all Americans, and whose total debt is a small fraction of that of the average person in this country.
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX XXXX, in XXXX XXXX, California on XX/XX/XXXX. However, the quality of the goods was extremely shoddy, and instead of receiving a good faith effort to work out an issue between XXXX XXXX XXXX and Syncrony Bank, I was threatened by XXXX XXXX Staff at the XXXX XXXX Location on XX/XX/XXXX, that I would be arrested and the furniture seized by force. I have tried to respectfully appeal to Syncrony Bank to rescind the remaining purchase balance because of these issues, to no avail.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

This is not a duplicate compliant. I am asking Navient to issue a " Navient School Misconduct Discharge Application '' for a predatory private loan from predatory for-profit school XXXX XXXX XXXX XXXX 
I contacted Navient directly but was told my loan wasn't eligible for this type of discharge. I believe it is and my private and my other loans for this school are eligible for discharge based on the " Holder Rule '', allowing consumers to stop paying on the loan and possibly obtain a refund of any payments made on the loan if a product or service is defective or not provided. I received XXXX XXXX from this school and my diploma is considered XXXXXXXX by potential employers. I was charged an excessive and abnormal amount of money with excessive interest for this low quality education. I am currently paying {$270.00} a month that is only going toward interest on this predatory private loan. The loan balance is still rising despite this monthly payment and is affecting my credit score negatively. I have paid over {$40000.00} on this loan both in interest and principal. Navient will not work with me on lowering the interest and getting the principal paid down. The interest rate is variable 13.2 %. Original principal {$23000.00} with current {$12000.00} payoff. I need this application in order to apply for the discharge and refund I deserve.
Product: Checking or savings account

I submitted a dispute for unauthorized transactions in the amount of {$3300.00} on XX/XX/2022 for a checking account with Wells Fargo bankon XX/XX/2022 the claim was denied because the original banker made a miscommunication error and submitt d the dispute reason as transaction appeared more than once, even though I said multiple times the transactions were not authorized by me. I called and spoke with them and they said it would take days to reopen the caseIm not able to pay my bills because of their mistakes. I need my money back asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with CHASE because my credit score was negatively impacted due to CHASE reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to CHASE ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to CHASE for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. CHASE either did not properly send a request for payment from my bank, or did and something prevented the money transfer to CHASE. I was never properly informed by CHASE about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to CHASE. I only found my original payments were not posted when I logged into my online CHASE account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to CHASE. 

I'm only bringing this issue to the attention of others now because I did not know CHASE was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by CHASE. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for CHASE to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
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. 
XXXX XXXX Account # XXXX, XXXX Card Services Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Product: Debt collection

XXXX XXXX XXXX XXXX continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by Capital One Bank for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data and my wife 's data was hacked at Equifax, their fault not mine. I have registered my SS # and have the service set up. I started trying to get my wife registered on XXXX XXXX through their web site. Nothing happened so I called Equifax, at the phone number in their email to me, it was busy several times, finally told to call another number. Equifax will not accept my wife 's data to activate the service because we have the same phone number and email address. Now they are pointing me back to the phone number I started at.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXX shouldn't be on my credit report for Transunion. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call Transunion again to file a fraud dispute. Can you contact Transunion to let them they that I see a fraudulent account on my credit report?
Product: Debt collection

On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. 

Within a week of this cottonwood called and left a voice message on my business phone. 

On XXXX Cottonwood once again called my work and left a message with the secretary.
Product: Mortgage

I was referred to Rocket Mortgage by XXXX XXXX. In XX/XX/XXXX, I spoke with a representative of Rocket ( XXXX XXXX ) about a mortgage to build a garage and complete landscaping on a house I was building. At the time I inquired about a mortgage, I told the representative that the house was about 85 % complete. He told me that to qualify for a mortgage, the house must have a functioning bathroom, a functioning kitchen, a functioning heating system, and that all the floors needed to covered with flooring or carpet. I was not told that I had to be actually living in the house at the time of the application. I told the representative that I thought the required work would be completed in a month and that I would be back in touch. In XX/XX/XXXX, when the work was completed, Rocket offered me a mortgage at an interest rate of XXXX XXXX and XXXX fees and I signed a document agreeing to the terms. I provided all the requested documents including all personal financial information except a copy of bills showing internet service and cell phone service. I explained that we did not have internet service and that the cell phone bills come to my office or to our rental house. Instead, I provided copies of the electric bill for the house that we were building. Rocket took no action on my application despite numerous inquiries I made about the status of the application. Sometime in XX/XX/XXXX, I was informed by XXXX XXXX, a Rocket/Quicken Loans consultant, that the application could not be processed as a conventional mortgage because we had not yet moved into the house. Instead, he proposed that the mortgage could go forward as a second home mortgage with no change in terms of the interest or fees. Several weeks later, I was told the mortgage could go forward only as an investment property mortgage but as such, the fee would increase from zero to XXXX While I considered this " switch '', the house was appraised by someone hired by Rocket. I decided not to pay the new fee and complained that I would not have started the process with Rocket and disclosed personal information if I had been told from the start that the fee would be XXXX  On XX/XX/XXXX, Rocket sent me a letter falsely saying I was denied a mortgage on the basis of " unverifiable information ''. In my view, Rocket engaged in textbook " bait and switch. '' While I did not lose money, Rocket obtained my personal information and wasted my time that I could have spent looking for other forms of financing.