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

After several disputes being returned as accurate with multiple agencies and the creditor even though they are all reporting different information for the same item, I am filing this complaint with the following evidence. On XX/XX/XXXX I submtted a dispute via certified mail to XXXX, XXXX, and TransUnion regarding a violation of XXXX XXXX Code XXXX ( b ) on a reported item FXXXX XXXX XXXX XXXX- Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to XXXX different credit agencies that are all claiming they have verified these items with XXXX. On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and will not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX TransUnion sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?
Product: Mortgage

Hello my name is XXXX XXXX my property is located AT XXXX XXXX XXXX XXXX CA XXXX. I recently put in a application with the Mortgage relief for homeowners and they keep asking me for the same document I've loaded over 5 times for them. please help I'm running out of time.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXXy and distress they are causing me.
Product: Checking or savings account

On XX/XX/XXXX I received a several emails from Bank of America concerning a bank account that was opened under my name. I call them within minutes to find out more information about it and to report this fraudulent activity. The associate at BoA was able to flag the operation but was unable to provide a written confirmation nor a descriptions of the actions taken. 

I requested for any information about the origin of the fraud but was denied to obtain it. I asked about how could someone could open an account with BoA and was told that the account was opened online. I informed the associate that I have an Active Freeze on my Credit Report and asked how come someone could open and account online with BoA if I have a Credit Freeze. The answer was that BoA web services do check on Credit Freeze status. 

I demanded why I was being denied access to any information about the fraudulent activity such as emailed used, location, time, etc abut the thug impersonating me was not asked for any verification beforehand. The answer was : Silence. I requested to speak to supervisor and was denied access. The answer : Not possible. 

After insisting on my demands and a few more minutes on hold, the associate informed me that she filed request on my behalf to request additional information but that the request had to go through an approval process that would take between 5 to 7 business days. 
Total lack of respect. Total lack of security. Total disregard for consumers. Defenseless against corporations.
Product: Credit reporting or other personal consumer reports

I am no longer listed as an authorized user on an account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) since XXXX. I attempted to dispute it however the credit bureaus failed to remove it from my credit which is negatively affecting my credit.
Product: Mortgage

On XX/XX/2022 I filed a complaint number XXXX. The lender responded by stating they did not know what file I was referring to. I then responded with the information and Flagstar closed the complaint and did not answer the concerns raised. I then called Flagstar and asked about the concerns raised in the complaint. I was told that I needed to send in a Qualified Written Request and I needed to file another complaint. I was told they were unable ( or unwilling ) to send me any information regarding FHA recovery mod denial. I asked if Flagstar 's underwriting department or FHA denied the recovery mod. I was told it was a mutual decision. I am now requesting all documentation showing that the loan was sent to FHA for a recovery modification and FHA denial. Flagstar has now sent this loan to a foreclosure attorney. This is now incurring legal fees without any proof that all post COVID options were exhausted. We are asking for these documents. Also, in case Flagstar would like to say that they do not know what loan this is in reference to the loan number is XXXX. We are asking Flagstar to answer these questions. Also, we are again requesting information about the previous complaint.
Product: Credit card or prepaid card

I signed up for the delta american express gold credit card. I was told i would receive XXXX skymiles & XXXX $ statement credit once i reached the requirements. The requirements were to spend over XXXX $ in the first 3 months. I completed that task by 5x & never obtained the XXXX skymiles from american express. The XXXX $ statement credit did go through, however. I have called three times regarding this issue and I keep getting no where. It has been almost 5 months since i opened the account with american express and I expect to get better treatment than this.
Product: Debt collection

I checked my credit report and found a negative account that does not belong to me. This is so frustrating because I sent a letter to this company asking them to validate the debt they claim I owe and never got a response. More importantly, I can't move forward with purchasing my first home because of this XXXX company. It's been months and still no reply!!! This isn't right and this is very unfair! please help me resolve this matter ASAP!!! I been through enough already getting through this pandemic so this is most definitely extra XXXX that I don't need in my life right now ..XXXX XXXX
Product: Vehicle loan or lease

Exeter Finance has never disclosed or provided any information regarding what portion of my payments are going towards the principle amount. Now that I have been temporarily laid off due to the COVID-19 crisis I reached out to Exeter to get some assistance with managing my payments and discovered that the last 7 payments were applied to interest only. I was never informed of this at any point. After spending 1 hour on the phone with them it was disclosed to me that I have a " simple interest loan '' and 100 % of my payment is going towards interest. The payoff on my car now is {$140.00} more than when I purchased it. It was also explained to me that they are unable to disclose the amount I pay towards the principal because interest is calculated on a " daily basis ''.

So, I have never received any details about any payments I have ever made. I have paid {$700.00} a month for 18 months and the principle on my loan has increased by {$140.00}. 

I am at a loss and hoping for some help. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I rcvd an email that my CREDIT KARMA account was temporarily suspended and they would let me know why in a separate email. On XX/XX/XXXX, I received an email that said my account was closed. I contacted them via phone and chat and was told my account was suspended not closed. I supplied the with the email that said it was closed on NUMEROUS occasions. I requested they just close it then and send my my funds. You can not speak with ANYONE directly about the account. There is a " higher up '' dept that is supposed to reach out to you. I have contacted them no less than XXXX times since XX/XX/23 with NO RESOLUTION or RESPONSE from the " higher up '' dept. I have only been told MULTIPLE times that my ticket has been escalated and is under review. I just want them to issue a check to me via USPS mail for {$350.00} and we can be done with this.
Product: Credit card or prepaid card

Citi refuses to close my credit card account. I requested closure by both phone and in writing online.
Product: Credit reporting or other personal consumer reports

Many accounts still show on my credit report dispute being past the age they should appear on my credit report. Also information is incorrect overall on many accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card has an inquiry on my credit report XX/XX/2022 which wasnt me please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. Despite my previous attempts to resolve this issue, I have yet to receive an adequate response or resolution. 
This letter serves as my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue
Product: Mortgage

On XXXX XXXX XXXX I received a letter from my then mortgage company XXXX XXXX XXXX saying as XX/XX/XXXX they will no lnoger be my mortgage servicer that they had sold it in XX/XX/XXXX to Carrington Mortgage Services and as of XX/XX/XXXX all payments should be sent to them. I still have not received a letter or any type of communication from Carrington to let me know they have aquired my mortgage. When I call them the representative told me it could 60 days or longer before we even get assigned a account number and receive any sort of communication from them. The Representative further stated that Carrington had purchased XXXX mortgages from XXXX in this transaction and that the previous month they had purchased XXXX from XXXX and that they where over whelmed and backed up on the transfer of all these mortgages. Carrington is in violation of the law for not even sending me a letter to inform me they had aquired the mortgage and it is well appereant that they can not handle such large purchases of XXXX mortgages in 2 months. The law very clearly states that when mortgages are sold from servicer to another it must not be in anyw ay a burden or problem for the consumer. It is not my fault or problem if Carrington has purchased more mortgages then can possibly handle in any good way for the customer.
Product: Money transfer, virtual currency, or money service

I enrolled in XXXX for crypto funding and after purchasing would not allow me to transfer to another wallet. So I opted to sell my crypto in XXXX XXXXXX/XX/year> ( {$1400.00} ) and with any other acount I've sold thru its within XXXX min. XXXX instantly put a 7 day hold onto funds and selling price at time of sale wasn't even accurate. I've tried multiply time to get into contact with the support but no answer from them. Have asked to be given a reason why it's on hold and all I have received is silence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years  from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

Credco Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized. 
Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness. 
In addition to removing these unauthorized inquiries, I am requesting {$XXXX} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.
Product: Student loan

In XXXX of this year, I had statements that reflected my payment was not due until XXXX 2017. They never placed the overage I was paying against any of the loans. I requested them to leave one month cushion and place the overage on my smallest loan. I pay before the due date and have late payments every month for they area simple interest loan ( highway robbery ) so why have a due date!! They took all the payments an placed on the loan making one month behind now and a rolling 30 day late and have crashed my credit rating. 

How can this be clear up? They are the worst company and govern reports that student loans never get paid back!! you should have a term loan not legalized loan sharks handling this ....
Product: Debt collection

I get calls every day from NCB Management Services about a payday loan I didnt take out. I dont remember the exact dates, but over the course of at least 2 months Ive repeatedly asked for something in writing so I can dispute the transaction. The only thing I received was a letter saying my dispute was denied. Today, XX/XX/2023 I again requested something in writing. I was told it would be emailed to me, but Ive not received anything. Ive repeatedly given them my contact information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that XXXX working with a third party or credit clinic. Lets get the record straight!!! XXXX the one whos disputing this information. The information XXXX disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Debt collection

XX/XX/XXXX I filed a dispute with my credit card company for the amount charged by the creditor because I was not hearing back from them once I paid. I was concerned this was a fraudulent company. The creditor, XXXX, never responded to my calls or my credit card company calls. My credit card company, XXXX XXXX, resolved the dispute in my favor. 

XX/XX/XXXX I emailed National Credit Systems, after speaking with XXXX XXXX, the proof of the credit card company dispute XX/XX/XXXX XXXX XXXX from XXXX emailed me with a screenshot and confirmation I was being taken off of their collections list. 

I spoke with XXXX XXXX about this proof of collections XX/XX/XXXX National credit systems still sent this collection to the credit bureau
Product: Student loan

XX/XX/23 - Call Aidvantage customer service to get a refund on my negative account balance. Agent tells me that the loan is paid off and does not exist anymore. Tells me to call university. 
XX/XX/23 - Call Aidvantage again to request refund on the negative account balance. Representative tells me that I shouldnt worry because my loan is paid off and to tell the school I dont owe them the money. 
XX/XX/23- University tells me that since the loan was cancelled and they paid the loan company, I needed to request the funds from Aidvantage to pay them. 
XX/XX/23 - Another call to Aidvantage. Representative again tells me not to worry about it when I repeatedly say that I need the money to pay back my school for the cancelled loan. I clearly have a document on my account that shows a negative account balance. I am getting extremely frustrated at this point. 
XX/XX/23 - Call Aidvantage again in the hopes of getting someone who knows whats going on. Representative says they are requesting a refund. 
XX/XX/23 - Have heard nothing. No confirmation of anything. I guess I am just supposed to wait without knowing if anything actually happened. I need that money to be able to enroll next semester otherwise they will block enrollment for owing thousands.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.