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

There are several inaccurate accounts listed on my credit report that do not belong to me. This situation is both unjust and alarming, as I have not authorized or participated in any of the activities linked to these accounts. If this matter is not investigated and corrected promptly, I will be forced to pursue legal action.
Product: Checking or savings account

I closed my checking account with Chase a couple of years ago. People close accounts for any reason, but in my case, I went through a divorce. 

For my surprise, I still continued to receive emails about my credit journey. At one point I receive letters from chase to open accounts etc ..... 

They would not allow me to open an account stating that I was a customer. Even for promotions, they would state on their banking system that " I was already a customer. The account I was told was closed, but I don't believe it for a moment. They flagged the account as " closed '', but they keep all the data everything on
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report ; inaccurate late payment XXXX XXXX # # XXXX Dear Equifax, I am writing to dispute the accuracy of the information reported on my credit report. Recently, I disputed this account, and you stated that the account was verified as accurate. I request a detailed explanation of how you conducted your investigation to determine that this account is verified as accurate. Specifically, did you review all the information that the furnisher submitted to you to determine the account was reporting accurately, or did you solely rely on what the furnisher told you? 

This account is reporting an inaccurate late payment for the month of XX/XX/year>. This inaccurate reporting is causing significant damage to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information. I believe that this requirement has not been met in this case.

Additionally, under the FCRA, 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate reporting of this late payment indicates a failure to comply with this requirement. 

I demand that Equifax conduct a proper investigation and remove this inaccurate late payment from my credit report immediately. Please provide me with written confirmation that this information has been corrected. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.
Product: Checking or savings account

I completed a wire on XX/XX/XXXX in the amount of {$260000.00} from My own account at XXXX to my account at Commerica Bank. When I logged into my account on XX/XX/XXXX the money was shown available. On XX/XX/XXXX the money was shown available in my mobile banking all the way until I came into the banking center looking rough and dirty in construction atire and asked for a Cashiers Check, so that i can handle some investment transactions. The rude teller placed my funds on hold and told me that they have detected something suspicious about my wire/fraud transaction. They sent me away and told me someone will give me a call, and that that was the best that they could do. No one ever called me. They gave me a number that did not work either. Now I'm stressed out wondering what is going on with my {$260000.00}.
Product: Vehicle loan or lease

The company is reporting that money is still owed on my vehicle loan. However, in XXXX of 2018, our XXXX XXXX was stolen from my husbands work parking lot. We had a police report, a claim in with XXXX XXXX XXXX XXXX, XXXX made it a total loss due to theft in XXXX of 2019. They paid the said company, {$6900.00}, per their XXXX day payoff. The title was given to XXXX XXXX and it was a closed claim and auto account. 
However, the company is reporting it as a charge of and that they are still owed for the car.
Product: Prepaid card

I have 2 amex gift cards that have been activated but every time I try to shop online with them they get denied for " security purposes ''. I try to call customer support but they are fully automated and can not help me with my issue.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX my on my experian credit report theirs is two negative things that are fraud I filed a federal trade commission identity theft report on file please have experian remove the negative accounts off my credit report
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi this account with XXXX  XXXX XXXX XXXX was removed from my XXXX XXXX report based on online fraud this account was obtained under false pretense online with this company. I did not open this account and provided no information to this company please remove this account from my credit report. 

CONVERGENT OUTSOURCING this account was obtained by phone or online under false pretense i did not open this account and use services related to this company this account was removed from my XXXX XXXX account based on fraud please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau  and reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Product: Mortgage

I was reported 30 days late in XX/XX/2023 and this is not accurate. I paid my account twice to make sure I wasn't late. Please help me remove this. I have been a great client and no way I could be late. This must be a bank error.
Product: Debt collection

I just recently checked my credit and noticed I have and XXXX bill if {$1400.00} that were open XX/XX/2016. I have no knowledge of this bill because I never used an XXXX account! This has an big impact on my credit because Im trying to buy a house and there telling me this about has to be removed or paid and I cant afford to pay for something thats not mines! Is there anyway you can look in getting this removed from my credit? I called them and they told me to file a report through you all.
Product: Student loan

in XX/XX/XXXX i needed to leave the US and go to XXXX to take care of my XXXX  grandfather, he has since then passed. as a result of this move i became fraudulent on my payments with this JPMorgan. I have a cosigner my father who was taken to court and forced to have wages garnished. Now his health is in jeopardy and I'm returning to the states in XX/XX/XXXX pending some final arrangements that need to be made in XXXX. 
While i was working with the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX i was in good standing with them, i plan on returning to this industry in and effort to liquidate the debit as quickly as possible. 
I believe that i was a target of predatory lending since i was a first generation and eldest in my family to attending college ( XX/XX/XXXX-XX/XX/XXXX ). we didnt know any better we thought we were investing in my future but upon my graduation the financial crisis hit and of course i was forced to use up all of my forbearance time on the loans. 
I am in desperate need of assistance i do not dispute that the loan was taken and used but i would like some assistance in coming to terms with an acceptable payment plan, one that releases my father of his obligations and put the burden back on me. the total amount owed, i Believe has been worked down from XXXX to about XXXX
Product: Mortgage

I am being charged two taxes on my escrow account for my home mortgage. Only one of the Tax accounts belongs to me, the other should be removed. 

I began calling about this issue in XX/XX/2021 and was told the issue would be taken care of by the tax department, I called back on XX/XX/2021 was told the issue was resolved and should appear corrected in my next statement. Called back in XX/XX/2021 and was told it was being escalated to call back on another date to confirm it was removed. Called again on XX/XX/XXXX extremely upset because it has still not been removed, was put on hold and the call was disconnected after 20 minutes! called back again was transferred to a young woman who seemed to understand the issue and told me she would personally follow up and make sure the issue was finally correct and she took down my information so she could call me back once the problem was resolved. Today on XXXX XXXX I have called again was on the line with a representative when he told me he would place me on a brief hold to discuss with another representative, again after 25 minutes the call was dropped again and I never received a callback. I called back an hour later and spoke to XXXX who again told me he would be opening up a ticket with the tax department because they are the only ones who can correct this issue and he would be contacting me once correct. 

I have been given the run around for over 5 months and it seems like AmeriHome can careless about correcting these issues.
Product: Student loan

Beginning in XX/XX/XXXX, I transitioned my federal loans from XXXX to XXXX XXXX to join the public service loan forgiveness program. The transition was completed on XX/XX/XXXX when I received a welcome letter from XXXX XXXX ( attached as XXXX 1 ) At that time I had been enrolled in the REPAYE income-driven repayment plan. 

On XX/XX/XXXX I subsequently received communication from XXXX that my current income-driven repayment plan was ending on XX/XX/XXXX and that unless an application to renew the plan was received within 10 days of XX/XX/XXXX, that my payments would increase to {$0.00} beginning on XX/XX/XXXX ( this letter is also attached as XXXX 2 ). 

On XX/XX/XXXX I received another letter stating that my IDR application must be received by by XX/XX/XXXX. " If we do not receive your application within 10 days of this date, your monthly payment is estimated to be {$3000.00}, first due on XX/XX/XXXX. '' ( attached, XXXX 3 ). 

My IDR request application was submitted on XX/XX/XXXX and approved on XX/XX/XXXX by XXXX, and I received email correspondence from XXXX confirming both events. ( attached XXXX 4 and 5 ). 

I again received correspondence stating that my new payment plan would be XXXX monthly beginning on XX/XX/XXXX. ( attached as XXXX 6 ). 

On XX/XX/XXXX I received, WITHOUT ANY written notification or warning given to me by XXXX or XXXX beforehand, a billing statement from XXXX for {$3000.00} ( attached as XXXX bill ).  This is despite submitting my income-driven repayment plan application while currently being under an active IDR plan ( REPAYE ). 

At this point I attempted multiple phone calls with XXXX customer service and spent upwards of 3 hours between holds, talking to multiple people, before being told that there was nothing that could be done because there had been a lapse in my repayment plan that I was NEVER notified of. The result being that this {$3000.00} payment would now be put into forbearance ( attached, XXXX forbearance ). 

My issue is that I was charged {$3000.00} months before I was told that I would be charged this amount, with my IDR application submitted, received, and approved well within the time window established to me by XXXX in order to avoid such a charge. The result is a massive payment of my loans which is now in forbearance.
Product: Debt collection

This company keeps opening a closed account and it is damaging my credit. It brings my credit score down. I keep telling them to close it out but they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
Product: Vehicle loan or lease

I signed for a car loan XX/XX/XXXX for my now ex-wife and she told me through our last communication XX/XX/XXXX via text message that her vehicle was gon na be repoed by credit acceptance but it turns out they never found vehicle and never went after her because I'm the only name on the loan contract and turns out she was considered a third party as I later learned. I contacted credit acceptance XXXX  times to see why they could not pursue the vehicle in question and they reply by telling me its up to me to locate which I don't understand if its there vehicle but with a search with been verified and another site I located the where abouts of the which ended up at a salvage company in XXXXXXXX XXXX where it was crushed and sold for parts so I tell this to credit acceptance and all they ever want is me to make some kind of a payment for a vehicle that was never mine in the first place except for my signature of course and Definity a mistake ill never make again. I even called the salvage yard located in XXXXXXXX XXXX  and they were able to confirm the information and it was crushed on XX/XX/XXXX so how do I get credit acceptance to finally leave me alone so I can finally get my credit score back on track and move on with my life.
Product: Debt collection

I, XXXX XXXX received notification from credit reporting agency on XXXX XXXX that a collection from Valor Intelligent Processing had placed a collection accounts on my credit reports. I was not aware of any debt collection attempt from this company. I called the number listed several times on credit report XXXX but no answer. I also searched their website www.valorvip.com and obtained another number XXXX and no answer as well. So I decided to file complaint since they failed to contact me to give me my right to verify or validate this debt before placing on my credit which dropped my scores by XXXX points. I see from credit report they acquired debt in or around XX/XX/2022 and never sent me anything through mail to attempt to verify or validate this. 
Valor Intelligent processing XXXX XXXX XXXX XXXX, Fl XXXX Or XXXX XXXX XXXX XXXX XXXX, fl XXXX
Product: Debt collection

I received notice of a collection account on my credit report from Genesis in the amount of {$4600.00}. I moved into XXXX XXXX in XXXX and moved out in XXXX. I used a co signing company called XXXX to assist with the move in and I have documentation of the date I moved in and moved out. I would like a copy of the signed lease for the dates I allegedly occupied the apartment. I am also requesting a copy of the rental ledger breaking down the months I am being charged for. I would also like proof of signature and photo ID evidence to correspond with the name on the lease to verify whose identity it is. I expect to receive this information within 10 business days or I will be taking this matter to small claims courts and filing a suit for fraudulent charges and identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

I have tried to call citi banks many times but they wont let me access my account, they said they sent me a letter for reference not to the address i have on file, but the one on public record where i use to live with my ex wife, i have money in my CD and savings account .i need my money because i have an important XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX I reloaded 2 netspend cards, {$1000.00} each.with another netspend card {$640.00} my information was approved and fully activated. netspend has mislead costumer to believe that they can use their money instantly but failed to keep up with that promise. Ive sent in documents needed for identity as i did for the card with the least money and it wasnt approved, my account for both accounts had now been blocked. i was told nowXX/XX/XXXX that i would be sent a check in the mail in 10days. Hoping its not a scam as others complained online about receiving a fake check. im still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit card or prepaid card

On or about XX/XX/18, I filed a dispute with Discover Credit Card for a charge of {$3800.00} that XXXX charged to my Discover credit card ; because of damaged and delayed -delivery of merchandise. I was unsuccessful in my attempts to obtain a clear status on shipment of the merchandise.The merchant would not return my calls, or E-mails, and I initiated all contact, and written communication. Therefore, when I finally received the merchandise in multiple shipments, I made arrangement with XXXX and refused delivery and returned damaged and delayed merchandise through XXXX XXXX. 

On XX/XX/18, I received an E-mail letter from Discover regarding my dispute with XXXX : '' We're happy to inform you that XXXX XXXX, XXXX, issued a credit on your Discover card account for the transaction you asked us to investigate. This credit will appear on your next statement. '' Meanwhile, on XX/XX/18, Discover advised me : " We've completed our initial investigation of your disputed transaction and have found in your favor. '' The disputed amount mentioned in this letter is {$3800.00}. 

To my surprise, on XX/XX/18, I received another letter from Discover stating merchant credited my account for {$2000.00}. This amount is short {$1700.00}. Also, Discover, lowered my credit limit, causing an over-the-limit status that they will report to the credit bureaus. This is destroying my credit, and the merchant has my money and the returned merchandise. Discover stated that they have finished their final review. 

I am requesting Discover restore my credit limit to {$7000.00} and continue to pursue the merchant for the remainder of my refund.