23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. 
With this, I am asking for your assistance to correct account : XXXX XXXX Balance : {$6400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.
Product: Credit reporting or other personal consumer reports

I want all incorrect information on each credit report to be removed along with any negative remarks. If credit bureaus determine an issue is valid, I demand proof of that validation be provided to me.
Product: Mortgage

Mortgage was sold to a new company ( XXXX partnered with XXXX ) and old collector ( OCWEN ) never informed about the transfer. We do n't know if transfer is legitimate or not. We do n't want to send payment to a false collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own behalf, no third party is involved. This company, Experian, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.
Product: Credit reporting or other personal consumer reports

I just know XX/XX/scrub> 2025. I have sent several dispute letters to the 3 credit bureaus, Equifax, Experian, and Transunion, and nothing has been done. I have also sent the dispute of the Metro 2 reporting to each of these bureaus, but nothing has been done. According to the provision of the Fair Credit Reporting Act, we request that you investigate these disputes and provide a solution to the incorrect information. If the information is verified as incorrect or unverifiable, I request that you remove them immediately. I have just been denied a Hello loan just because of incorrect information that was on my credit report. As stated in 15 U.S.C. S1681, I am requesting that the 3 major credit bureaus ( Equifax, Experian, and Transunion ) thoroughly investigate these discrepancies. If the information can not be verified, I request that it be removed promptly from my credit report. I am tired of being rejected for something that the bureaus have done, and it affecting my livelihood and my mental state of mind.
Product: Checking or savings account

I open my Cash App account and was never provided a card or told why Im not able to get a card like everyone else who opens a Cash App account. An agent says some XXXX stuff to me and I think that may have something to do with it shortly after that, I went onto a site that I thought was a single dating site and it asked me to put information regarding a bank account so I put my routing and account number for my cash app, since I didnt have a debit card, it informed me on the site that it would not be charged at all however, it has been charging my account, XXXX, purchases, and withdrawals since I opened the account Randomly whenever I make a deposit. It takes a small portion. I dont know if this is cash app or someone has access to my account as well, but upon telling them, they still have not stopped my account from purchasing crypto, and they will not tell me why I am not available for a card. I feel the two concerns are related somehow but they will not give me enough respect to investigate. As of now it is a total of {$860.00} that has been taken from my account through XXXX XXXX  transactions cash app will not answer any questions I provide, nor will they stop my account from purchasing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently disputed this exact issue regarding old information still being reported on my XXXX, Experian, and XXXX credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of verification for dispute that i initiated. Also send the following information 1. Payment Disclosure 2. Interest Rate Disclosure 3. The Balance History 4. Payment History 5. Credit Insurance 6. Original Contract As for your methods of verification i would like the follwowing 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the credit bureau as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ), after settling a lawsuit for XXXX XXXXXXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX  onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & XXXX XXXX XXXX XXXX which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working 16 hour days on the XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XXXX XXXX XXXX ), {$12000.00} ( XXXX XXXX XXXX  ), {$14000.00} ( XXXX XXXX XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XXXX XXXX XXXX ), & {$1900.00} ( XXXX XXXX XXXX XXXX. Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.
Product: Mortgage

I have a VA mortgage with XXXX XXXX XXXX , XXXX which is a subsidiary of LoanCare , LLC. This loan has been in an approved forbearance due to covid-related economic hardship since XX/XX/XXXX. However, since XX/XX/XXXX LoanCare has sent me several statements and demand letters stating that my loan is delinquent ( it is not ; it was current as of the date of forbearance ) and threatening foreclosure. LoanCare is also adding late payment fees to my loan balance. I have made numerous phone calls and email messages to LoanCare, with no resolution.
Product: Checking or savings account

I received a series of email on the morning of XX/XX/2023 regarding a bank account opened with Bank of America in my name. I then called bank of america and reported this to their fraud department and requested my account to be closed. BOA confirmation number that account was closed XXXX. I also reported this to the credit bureaus as well as XXXX.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the remov
Product: Credit reporting or other personal consumer reports

This is regarding account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. According to 15 USC 1681 EB and 15 USC 1681 I, you are suppose to assure maximum possible accuracy. These Accounts is not accurate to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  Bankruptcy XXXX XXXX  Bankruptcy, has violated my rights. 

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

15 U.S.C 1681 section 604 A. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXX Equifax Type : XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX  Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX XXXX Equifax Type : XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : -
Product: Money transfer, virtual currency, or money service

I am reaching out to Western Union in reference to my previous complaint with the Consumer Financial Protection Bureau dated XXXX, complaint # XXXX. Back then I filed a complained due to my email address being attached to a Western Union account that used to belong to me but that I eventually transferred to somebody else 's name and email address, but for some reason Western Union kept my email address attached to that account even when the name of the account holder is not me. On the resolution of that complaint, Western Union acknowledged the error and said they corrected it and I should not receive any kind of communications regarding that account. Well today XXXX I received once again a communication from Western Union, in XXXX, directed to the account holder 's name but sent to my email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

Purchased {$7500.00} cashier 's check for a company that claimed they were a prominent bank and these funds they were establishing a secure account for me. I purchased the cashier 's check and deposited it in the other customer 's account in order to fund my account and supposedly protect the funds at the bank in question. This all started with my computer being sieged by a company calling themselves as working for XXXX service area. They said they were on line with the bank on a secure line. When they transferred me to supposedly the bankis when I received instructions regarding the cashier 's check and what account to deposit into. 

Contacted the bank to see why they didn't vet the business customer to ensure that they were in the business that they said they were. Also asked the bank to investigate the type of activity in the business customer 's account as I assumed I was not the only person that had been defrauded in this manner. The bank has contacted me several times and doesn't seem to understand what I am asserting about vetting their business customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a loan w XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.
Product: Mortgage

Wells Fargo committed Mortgage Fraud and was not discovered until 2022 by the US Government. Wells Fargo illegally added add ons to my mortgage account without my permission and consent causing my mortgage to go into foreclosure and repossession of property.
Product: Credit card or prepaid card

I have numerous store credit cards through Comenity Bank. I don't have the best credit score, but I make my payments on time every month and have been trying to pay down the balances and making some progress in this regard. Over the past week, I've been flooded with emails from Comenity Bank saying that upon " review '' of my accounts they were lowering my credit limit. They lowered these cards to just above the balance that I owe. And one card that I had paid off, they just went ahead and closed. This has impacted my overall balance-to-limit ratio, or utilization rate, which will negatively impact my credit score as it now looks like I've maxed out all the cards I've been actually working hard to pay down. Here are the cards with decreased limits : Wayfair, XXXX, XXXX, XXXX, XXXX XXXX. This is the card they closed out because I had a {$0.00} balance : XXXX XXXX. As I said, I make payments on time on these accounts always. It appears obvious to me that this action has been taken due to Comenity 's fears of nonpayment during the coronavirus epidemic. This seems to be an unfair and unethical practice to me because my already less-than-stellar credit score is going to go down even further because they've lowered all these limits and closed account ( s ). From looking at chat message boards, this is happening to a lot of Comenity 's customers. I tried to call to express my concerns but the agent had no information, just reading from a script.
Product: Credit reporting or other personal consumer reports

I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on XXXX XXXX  has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. Experian has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Product: Credit reporting or other personal consumer reports

I am unable to create or access an account with Experian for unknown reasons, which has prevented me from directly disputing this debt through your platform. As a result, I have had to resort to filing this complaint through the CFPB to ensure that Experian receives and addresses my dispute appropriately. I am writing to formally dispute an alleged debt reported by the XXXX  XXXX XXXX in the amount of {$1700.00}, which was unlawfully furnished to your bureau on XX/XX/2024. This alleged debt is not legally valid, as the institution violated numerous consumer protection laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Higher Education Act ( HEA ), and my civil rights. 

The XXXX  also failed to follow required procedures in handling my account and improperly reported this debt after I had raised concerns about their conduct. This appears to be a retaliatory action following a formal complaint I filed with the Department of Education earlier this year. Their actions have resulted in significant harm, including a severe drop in my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian immediately investigate this matter and remove the inaccurate and unlawful debt from my credit report. Please contact me if additional information is needed to assist in resolving this dispute. 

Thank you for your prompt attention to this serious matter.
Product: Credit card or prepaid card

After being with Capital One MANY years with a high credit line of $ XXXX. On XX/XX/2020, I was notified by the company my line was reduced to {$5000.00}. This was due to having not coming near the high line of credit use. This was done without even permission or notification that this would be happening. I was concerned that this would affect my now XXXX credit score. So approximately 10 days ago I called them questioning if my score would be affected ... .the first customer service rep had no idea, was then sent over to a supervisor, he had no idea either if this would affect my score. So this bank does this without notification or permission to do an adjustment on my card having NO idea if it affects your credit score. My husband and I IMMEDIATELY cancelled both our cards and we have WERE customers they shouldnt want to lose. Aside from that, I have found out that doing this DOES affect your credit score and that is valuable to me. I will attach their notification. Please advise if this is legal and can you do anything about it. 

Respectfully XXXX XXXX XXXX