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

My complaint is that Experian has engaged in unlawful communications in violation of federal law by continuing to report disputed and unverifiable information about my XXXX XXXX XXXX A account ( XXXX ) to third parties. 

After I formally disputed this account with Experian, they were legally obligated to cease communicating this information to third parties until they could verify its accuracy. 

However, Experian has continued to communicate this disputed information to potential creditors and other third parties despite clear evidence that it can not be verified as accurate. 

The unverifiable nature of this information is demonstrated by significant inconsistencies across credit bureaus : The account opening date is reported as XX/XX/year> on Experian but XX/XX/year> on XXXX. 

The " date last active '' is reported as XX/XX/year> on Experian but XX/XX/year> on XXXX and XX/XX/year> on XXXX. 

The " high credit '' is reported as {$0.00} on Experian but {$5200.00} on both XXXX and XXXX. 

The comments sections contain entirely different statements across all three bureaus. 

Despite my formal dispute and these obvious inconsistencies, Experian 's dispute results show they " verified and updated '' this information rather than ceasing communication of it. 

This constitutes unlawful communication under federal law, as Experian is prohibited from communicating disputed information that can not be verified as accurate. 

This unlawful communication has caused damage to my credit profile and reputation with potential creditors.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account XXXX XXXX No payment history is recorded under my XXXX report but yet reported on my XXXX and Equifax. 

This is being report inaccurate on my Equifax and XXXX credit report. It shows up on two out of three. XXXX does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Cease and desist sent XXXX XXXX, 2020 and certified as delivered to debtor on XX/XX/ 2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to request your assistance in removing inaccurate information from my credit report. 

I have tried to resolve this issue with the creditor and the credit reporting agency, but have been unsuccessful. I am requesting your assistance in having this information removed from my credit report as it is inaccurate and negatively affecting my credit score.

Please investigate this matter and take the necessary steps to have the inaccurate information removed from my credit report. I would appreciate a response regarding the actions you will take to resolve this issue. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

I had ATM withdrawals totalling XXXX taken from my edd bank of America card within 2 days.I have alerts set up on my phone but never received any alerts.I went to withdrawal money and ATM said I've exceeded my daily amount, so I went on my phone and there were all the withdrawls.I immediately contacted Bank of America to report this and got issued a new card and filed a claim.I also got a police report, like they asked and they still are closing my claim.Now they are asking me to provide a letter from who I was with at the time of these withdrawals, which I am now doing.It is awful that I'm doing all this and they keep closing my claim still.What else can I do.I also asked if they could look at the cameras at the ATM machine this was done at, and I was told they weren't working that day.
Product: Debt collection

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
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 XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

experian reporting 30 day late payment on my XXXX account when i was never late
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  - XXXX - {$17000.00} XXXX  XXXX  - XXXX - {$4000.00} XXXX OF XXXX - XXXX - {$350.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Mortgage

In XX/XX/XXXX my home was damaged by Hurricane Irma and I began a loan modification process with XXXX XXXX. I did not make payments for several months ; XXXX XXXX notified me that I needed to provide documentation, I provided numerous documents including financials, pictures and letters of damage. However, I was not getting a new payment amount from them this process took longer than made me comfortable. I called on a weekly basis for XXXX months trying to finalize my new loan amount. In XXXX of XXXX, I received a letter from Freedom Mortgage notifying me that they had purchased my loan and would be my new servicer. The loan amount at that time was noted to be {$170000.00} with an escrow balance of {$2300.00} and a past due amount of $ XXXX. I was shocked since for the last XXXX months I had provided XXXX many documents to modify my loan. XXXX refused to speak to me about this referring me to Freedom Mortgage ( my new lender ). I understood at this time that XXXX had not completed my modification, I proceeded to provide all of the documents again to Freedom Mortgage and they processed my Loan Modification in XXXX of XXXX. In XX/XX/XXXX, I attempted to refinance my FHA loan to get rid of my PMI mortgage and this is where I noticed that I now owed more than I did when I originally purchased the property XXXX years prior there was a partial claim with HUD worth $ XXXX plus the $ XXXX plus $ XXXX plus a negative escrow amount of $ XXXX this totaled $ XXXX and I had purchased the property in XXXX for {$230.00}. This alerted me to begin asking XXXX XXXX to provide the loan modification documents and the balances, they notified me that they would not provide the loan modification documents as they were privileged but did provide me balances from XXXX to XXXX, they then informed me in writing that they would not provide any more information as Freedom Mortgage was my new lender. I asked Freedom Mortgage to provide a reconciliation of my escrow account and they notified me that they did not own my mortgage prior to XX/XX/XXXX and would only provide documentation from XX/XX/XXXX on. I used those two balances that I received and reconciled as best as I could with the limited information I had. I can tell that from my reconciliation that the issues are with my escrow balances beginning in XX/XX/XXXX ( but possibly longer but no one will provide me documents ). These issues in my calculation overlaps both mortgage companies. I also identified errors with Freedom Mortgage escrow balances. I can't get these companies to provide accounting of my balances since they now put it on one another, and they also won't give me a call to discuss. I believe my account is overstated and I need help reconciling these balances mainly the escrow balance.
Product: Credit card

I received a collection notice in the mail. I called redcard direct to find additional charges on my card. Reported fraud at that time. No card has been received approximately XXXX  months. Credit limit decreased {$3600.00} which affects total credit score. Negative report of late payments on credit report. After investigation, I have a credit on my account that can not be used due to no new card.
Product: Credit reporting or other personal consumer reports

An account is being reported from TRUEACCORD CORPORATION on my XXXX credit report only and I have never used or authorize this company or have any business with this company. 

This account was open on XX/XX/year> as stated by the company.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment for my Citibank Preferred Card was due, I, unfortunately, lost track of the date because of vacation and failed to make the payment. I have 25 on-time payments. On XX/XX/XXXX I called three times and the representative nor the account supervisor could do anything for me. I was suggested by one of the representatives to pay the minimum payment on the spot in which I did yet they did not remove the late-fee Due to the fact that I 've built a great relationship with the creditors, I would suppose that a simple mistake would easily be taken off.
Product: Credit reporting

This is account was deleted off my credit report and now has been reinserted. Please have Equifax remove ASAP. 
XXXX XXXX Status Closed
Product: Money transfer, virtual currency, or money service

Sent money thru Zelle by mistake and never got my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection that I would like a validation of debt for this account.
Product: Credit card or prepaid card

XX/XX/2018 a decision was made on my application for the Citi Simplicity credit card. The decision however was not based on criterion that the company set as sufficent to deny my application. In other words no notification was given during the application that my credit card application would be denied upon the basis that they stated. I have reason to believe that the decision was not a criterion of the application process, and solely the decision of the individual that sent me the letter.
Product: Credit reporting or other personal consumer reports

Hello Sir/ Madam, I was on the Approved Forbearance plan, and the mortgage company is reporting negative inquiries on my credit report, which is severely impacting my credit scores. I have talked to the mortgage company about it, but they are not willing to fix it. 

They had reported 120 days past due on my credit report while I was on a forbearance plan. 

The mortgage company 's name is XXXXXXXX XXXX XXXXXXXX and XXXX. 
My loan number is : XXXX  Please help regarding this matter, as I want the late payments to be removed from my credit report. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this follow up complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter.

I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I paid off a mortgage with Bank of America in full last week. When I called them yesterday regarding the {$910.00} and change balance in my escrow account I was informed that it was their policy to hold that money for 20 days in case there was any financial claim against the property for outstanding tax. I pointed out that the sale went through a title company who would not have issued title insurance if there were any outstanding claims against the property. I then suggested that if they were going to hold my money that maybe they should pay me interest on it, of course that was not an option, even though I pointed out that if I had {$910.00} of Bank of America 's money for 20 seconds let alone 20 days they would expect interest. They may have some legal loophole that allows them to do this but just because you can do something does n't mean you should. They are holding my money for no good reason other than they have found another way of ripping off the consumer.
Product: Credit reporting or other personal consumer reports

Checks prime investments is a debt collection service. How did this company open a trade line in consumers name. This is called fraudulent activity! 

If this was a collection it is to be reported as a collection. You can not open a trade line in a consumers name.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I opened an account with a Truist bank! I started the checking account due to me having an part time job. I lost my wallet with over half of my identity in it. Down to my social my state ID, there were some Passwords in my wallet too but none of them were to get into my account but my email and the emails Password was there. I see mobile deposits on XX/XX/XXXX for {$150000.00} and some transactions taking in XXXX XXXX. I do not live there or have any ties related to the place. My XXXX XXXX card was also in my wallet and i see two money transfers to my account! Which i havent used! I dont know the XXXX XXXX that it was sent to from my XXXX XXXX  either. and im assuming someone took all the money off of the truist card Im unaware of these transactions and would like to file this compliant thanks!
Product: Mortgage

Due to COVID, my tenants unexpectedly breached their lease and I wanted to take advantage of the Federal COVID relief by forbearing three mortgage and interest payments on my loan. This was verbally discussed with my lender, US Bank, and they didn't charge me late fees for this period. 

I got new tenants and resumed payment on my loan on XX/XX/2020. I paid my XXXX and XXXX payments ( mortgage, interest, escrow for taxes and insurance ). US Bank submitted a Payment Deferral Agreement to me on XX/XX/2020 for a deferral of 5 months. 

I've spent hours on the phone trying to get them to change the Deferral from 5 to 3 months and they have been unable. Today I lodged a " formal internal complaint '' with them and created this CFPB complaint in an effort to get this resolved.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of inaccurate personal information and unauthorized transactions from my credit report. The presence of incorrect data and unverified accounts on my report is negatively impacting my financial standing and creditworthiness. These inaccuracies may result in denied credit applications, higher interest rates, and overall financial hardship. 

It is crucial that my credit report accurately reflects my financial history to ensure fair and proper evaluation by lenders, employers, and other entities. Inaccurate reporting can lead to unjust consequences, including difficulties securing loans, renting housing, and obtaining favorable credit terms.
Product: Credit card or prepaid card

From XX/XX/2021 thru my current Synchrony Bank for XXXX XXXX XXXX statement there have been charges to my card. the latest was for the XXXX charge for : CARD SECURITY XXXX XXXX XXXX XXXX {$74.00} I called the number and they said I signed up for it when the facts are it is automatically checked when you apply for the XXXX XXXX XXXX I demanded they refund the full amount. They said they would in the amount of {$290.00} but would not give me a confirmation of this. I told the representative I would be filing a claim for fraud.
Product: Credit reporting

This account with XXXX XXXX, acct # XXXX is not my account. I believe this account belongs to my son, because- I have a son who is a XXXX with my same complete name. The company states this was submitted in my sons name and that the credit bureau put this in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that I did not apply for from XXXX different credit card companies 1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. Account paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do i start wrong addresses wrong spelled names wrong ss # wrong phone numbers addresses from 30 years ago they say its factual and will remain and no its not factual or they say it will be removed and then it comes back a few days later 3 years fighting with the big 3 over this im about to take out {$150000.00} loan max out my cards then use the money to sue all 3 and let them report that as factual and let them pay it all!
Product: Credit reporting or other personal consumer reports

XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.