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

I am writing to express my continued dissatisfaction and frustration regarding the unsuccessful second attempt to remove fraudulent items from my credit report. Despite my persistent efforts to rectify this issue, the fraudulent information remains on my credit report, adversely affecting my financial standing. I submitted a second round of disputes through your online dispute resolution platform, providing additional documentation and information to support my claim for the removal of fraudulent items. Unfortunately, these efforts have not resulted in the desired corrections, and the fraudulent information persists on my credit report. The presence of these fraudulent items continues to impact my creditworthiness, hindering my ability to obtain credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department, yet the promised resolution has not been achieved. I understand the importance of maintaining accurate credit reporting and am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. If decisive steps are not taken promptly to correct this situation, I will be forced to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4200.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$4200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

EMAILED TO XXXX, Today, XX/XX/XXXX : On XX/XX/XXXX, I had an email from Experian that my FICO score had increased, and I was directed to go to my Experian account to verify.

I did so, but received no information regarding a change to my credit score.

It was recommended to freeze my credit score ; to avoid solicitations from banks, credit cards and other lending institutions. 
I did go ahead and freeze Experian, XXXX and XXXX. 

At no time was I told that I would be charged {$25.00} by Experian, or that I was signing up for an Experian Creditworks Premium account. I do not want this service ; and I just canceled it upon receiving my bank statement.

I consider this false and misleading advertising, and would like you to refund the {$25.00} that you charged me.

Please contact me to confirm you have received this complaint. If I do not hear back within a week, I will send a complaint to the Consumer Financial Protection Bureau.
Product: Mortgage

We inherited this property and its mortgage when my father in law passed away. The mortgage holder, Selene Finance, stated that we could just continue to pay the mortgage. In or around XX/XX/XXXX, they offered us a forbearance package because we were behind due to Covid and desired to keep our family home. We completed all necessary documentation pertaining to this. We received notice that the forbearance had been approved and we signed ACH documentation granting permission for the payments to be automatically drafted from our checking account. NOT ONCE has Selene Finance drafted a payment from the account or offered reasoning as to why this was not done. Once we recognized that said payments were not being withdrawn from our account we began to mail them checks on the account. These were NOT posted to the account. We were not notified that they were NOT being posted to the account. After unsuccessfully attempting to contact them both via telephone and in writing, I finally got someone one the phone. I was initially told that the forbearance was missing signatures but XXXX ( representative whom I spoke with ) refused to tell me WHOSE signatures were missing! When I asked why we were NOT notified of this I was informed that they had sent notification to the estate attorney, who has already told them the estate has been settled and she is no longer on the case. Said attorney did NOT forward anything to us as she is no longer getting paid because the estate has been settled. I requested to speak with XXXX XXXX in the XXXX XXXX department because this is the signature on the letter sent to us. XXXX REFUSED to transfer me to XXXX XXXX. I essentially got NO WHERE with this representative. So, I called back and spoke with XXXX, yet another representative, who stated that we were in default and nothing could be done to help us. I asked him to transfer me to XXXX XXXX and was told that XXXX XXXX was at lunch but he would leave a message for him to call me. I have NOT received a call back from XXXX XXXX. Dealing with this company has been an utter nightmare since my father in law passed away in XXXX. Our desire is to KEEP our home! We have jumped through every whoop they have demanded and we are still be jerked around! They simply want our home! They do not do the things they state they will do such as automatically draft payments, post payments made on the account in a timely fashion, or work with their clientele. We NEED HELP IMMEDIATELY! ( You and Selene Finance have my consent to speak with my wife : XXXX XXXX, pertaining to this matter ).
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card

Wakefield & Associates is collecting a debt that is not valid on my report. I have disputed them through all XXXX credit reporting agencies, XXXX did not verify the debt as valid. XXXX said the company verified the debt. When the company was contacted, they were very abrasive and rude. XXXX is lazy in their verification process. XXXX reported that they did a XXXX part inquiry to verify. The company could not verify the information, yet somehow XXXX insists that they did.
Product: Debt or credit management

I returned a car for end-of-lease in XXXX of XXXX. I received a notification that the payment had been made in full by my former employer. I still have this notification. There was some charge that was for lease maturity going to my former employer that they either didn't receive or didn't pay or whatever. No one ever billed me for it. I never received notifications, but I noticed I had an outstanding payment on my credit that was not being paid month after month. I kept calling my former employer, and they denied the issue repeatedly. I kept calling XXXX XXXX, and they kept telling me I was paid in full, so the issue continued. Another month went by, and another penalty to my credit was incurred for the same supposed reason. I kept calling XXXX XXXX and they kept insisting that I was paid in full and that the balance was {$0.00}. One representative finally connected me with a different department called " lease maturity '' or something to that effect. On that call they told me that a balance of {$240.00} was unpaid, and was being sent to my former employer. I paid it over the phone immediately with a Debit Card and I have the proofs of payment. I was never properly advised or contacted concerning any of this, and my former employer never confirmed receipt nor paid any of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted another dispute with Eperian on the XXXX of XXXX, and as of today the XXXX of XXXX, the dispute is still under investigation. Every time I dispute with them, this always happens, and they ended saying somehow the fraudulent accounts on my credit report belong to me because it's on my report, and I am responsible for it, and make me subscribe to their monthly fees just to have access to my full recent credit. By law they had 30 days to investigate.
Product: Debt collection

Used to rented invitation home in XXXX FL for 4 years from XXXX to XXXX with no any payment issues. Unfortunately have to exit before contract expires due to help relative in XXXX. Notified property manager about this unexpected event and got ok from them. After a few months surprisingly and shockingly I discovered collection on my credit report for {$11000.00} from invitation homes. Don't receive any note or letter from invitation homes at all about their intentions to send us for some reason to collection. What kind a practice is that. Need help on this case, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 1681 c. ( 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: Consumer Loan

I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My first challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid XXXX / Cash Call more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout XXXX to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the first of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.
Product: Credit reporting or other personal consumer reports

My Equifax Credit report is not available when I tried to get annual credit reports. Can you please assist. It states Equifax can not be calculated.
Product: Prepaid card

There was multiple charges between XX/XX/year> to XX/XX/year> I have screenshots of every one of them that they denied me for there was XXXX deposited into my bank account from XXXX I was currently incarcerated and one of my ex-boyfriends stole my wallet out of my car while incarcerated and withdrew all the money install the money in my PayPal account and I even informed PayPal I was currently incarcerated my card was also locked and should not have been able to be used at all but there was {$2300.00} in charges stolen out my card between them dates I also have multiple emails saying that my card is locked in between them dates so why are some being allowed to be used but others being denied
Product: Credit reporting or other personal consumer reports

XX/XX/year> 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. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. 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 : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache 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: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX
Product: Mortgage

Fell behind on payments. After 90 days we received our {$1000.00} payment back, and spoke with XXXX XXXX. He managed to lower the actual owed amount to under {$300.00}. Since then I have not spoken to the representative more than once. I had to fill out XXXX modification packets. On the first XXXX we mailed and faxed, they claimed they never received or lost some of the paperwork. They 're excuse was that they had multiple offices and the paperwork could of gotten mixed up. I 'm in the process of doing it a third time, but all electronically with help from XXXX.
Product: Credit card or prepaid card

Case # XXXX - Submitted to the CFPB on XX/XX/2022 I complained about not receiving my funds it has been over a year since Way2Go has received notice of my lost/stolen debit card and they still have not refunded my money. 

Company 's Response XXXX was able to reach the cardholder by phone and discuss the issues that he had about not receiving his refund back, I told him it was because there was no dispute opened, and he stated that he was only able to close out the card and the order a new one but he did not have an option to report the transactions as fraud for over a year. I asked the cardholder if there was more than one transaction that needed to be disputed and there was he stated that he never received the card at all. A dispute was opened for the cardholder and I advised that he would receive paperwork in the mail but he did not have to wait for it to come if he wanted to he can submit a handwritten letter and send it to me via email and I can attach it to the dispute for him, he stated he did not see why he needed to send in another statement when there was on the complaint. I let him know that I can use his statement on the complaint as his official statement for the dispute. I advised the cardholder that I would be working on the dispute personally and that if have any questions I would reach out to him and I would also reach out and let him know the final decision of the dispute. The cardholder 's phone is currently disconnected, I received two emails from the cardholder asking for an update on the dispute however when I replied to the email it came back as undeliverable. The dispute is currently being worked on a meeting has been set to review this dispute before a final decision will be made.
Product: Credit reporting or other personal consumer reports

Ive used multiple platforms and paid for assistance for removal of inaccurate information not limited to inaccurate amounts of debts, inaccurate statuses of accounts, removal of old accounts per reporting laws, outdated personal information, unverifiable accounts and removal of closed accounts. This has spanned over 4 years and many of the accounts have been reported as current when they are not.
Product: Credit card

My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.
Product: Credit reporting or other personal consumer reports

Please see attached. I am a victim of identity theft and multiple data breaches. Experian refused to remove inaccurate information from my credit report. I ask that they investigate and provide proof of who they spoke to and how they obtained information. This is ruining my life and I need inaccurate information deleted immediately
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX  Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit card

I currently have a XXXX card that i used to purchase a puppy over a year ago. I always paid ontime. After a year they trippled my rate from XXXX a month to XXXX per month. They wont except anything lower than that. I explained that i could not pay that amount as my mother passed away and i was in between jobs. I did offer to pay them something and asked if i could continue to pay XXXX for now and if they would work with me. They would not and demanded the money. They have called me day after day over 7 times a week over and over. It has become very disturbing. I am willing to make an arrangement that will fit my budget because of loss of income. I just cant take the constant phone calls. I hope you can help me. I have my phone log to show how many times they call.