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

I disputed a charge off account on my XXXX credit report that has incomplete and inaccurate information. XXXX did not do a thorough investigation and the charge off remains on my credit report. The account was last updated on XX/XX/2020, with a status of charged off. The account history shows a 30 day late, a 60 day late, and then a charge off. From my understanding, charge offs do not occur until after 120 days. The account also appears as a car lease, when I did not lease a car with the company. The account also has no date of last activity listed.
Product: Mortgage

After received a pre-approval, we began the process of closing on the home. The inspection was completed and more paperwork was submitted to my loan officer she then began the conversation of an appraisal. She ordered it for me and she sent over the info for me to pay for it. I do not have my tax returns ( awaiting the IRS to process them ). The entire week and a half my loan officer and her assistant began rudely dismissing even attempt or possible solution that came to mind. Myself and my realtor thought of so many alternatives. After they were all denied it wasn't until the following wee the lender came back to share that she found a solution and would be switching the loan type. Basically starting over from a conventional loan to a FHA loan. Now the lender, and assistant were informing me they were switching all the paperwork from a conventional format to a FHA format, the was the reason of the first extension request to the seller. The lender then came back to share that the FHA paperwork requires more information and processing time for a condo. And the final cherry on top was the condo community I was planning on moving to did not accept FHA so they had to go back in for a spot approval. All in all this entire process lacked knowledge, skill, professionalism, good advice, and most importantly accountability for I have now lost all money I have put towards purchasing this home. The second request was denied by the seller to allow the lender more time to switch the loan type. The condescending language from the beginning was not easy to work with but the bigger picture kept me going. Simply rude responses is never something a client should have to deal with on top of an already tedious task.
Product: Mortgage

Had an unknown person arrive in property saying that there was an urgent matter that I had not been intouch with mortgage company and for me to contact company. Attempted to contact company was hung up on 2 times during conversation with 2 different reps. Also was told by second rep I was nick picking with the words. But if I am trying to get accurate information, I need accurate information. In a court of law accurate information is very important. In the world accurate information is important for all things not just business. I am not receiving accurate information from mortgage company. They are not sending out accurate information. Contact is impossible when they put you on hold for hours, they will not answer the phone, when they do they hang up on you. The reps are rude, and dont provide accurate information or take accurate information. If you cant communicate then nothing gets resolved, end up on a hamster wheel cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified. 

They are as followed : 2 inquires with AmeriCredit on XXXX 2 inquires with XXXX XXXX XXXX XXXX on XXXX  & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to you with the utmost urgency regarding an egregious case of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and to my dismay, I discovered multiple unauthorized accounts and transactions that I did not open or authorize. This situation is causing significant distress and financial harm, and I insist on immediate and aggressive action to rectify this grave injustice.XXXX  XXXX and Chapter XXXX Bankruptcy Reference # : XXXX
Product: Checking or savings account

I received a concerning call today from an unknown NY number. I picked up and the lady asked " Is this HSBC? '' and I was puzzled. I said " No, are you HSBC? ". She replied " No, I'm an HSBC customer ... I was given this number to call by an HSBC employee. '' It is very, very concerning that my personal phone number was supposedly given out to another HSBC customer. Error or not, that is an absolute violation of customer privacy and potentially illegal.

The lady did NOT ask me any questions or try to get ANY information from me, which leads me to believe she was not a fraudulent caller or scammer. I've had my fair share of scammer calls and I know when something is an accidental call vs. a scammer and this was certainly the former.

HSBC needs to be investigated immediately for their practices on using consumer information.
Product: Student loan

Nelnet loans tried to say that I took out loans by completeness the fafsa when I took out Pell Grant. I was threaten to be prosecuted and garnished of my XXXX income regardless if I make more payment.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Multiple different inquires from auto lenders listed multiple times hard inquires that i do not know of
Product: Checking or savings account

I filed a dispute with TD bank for debit card purchase. On XXXX XXXX for {$6000.00}. Against XXXX XXXX  and XXXX XXXX. After waiting for 90 days they closed the cad without providing me the refund. 
Account number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX APT XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX The following personal information is incorrect
Product: Checking or savings account

I received a letter from Suntrust saying that I opened an account with them. The letter came with 3 checks and a deposit slip. I have never opened an account with them or have done any business with them so they are opening an account in my name without my permission. I called them and the first question I get asked by the automated answering service is if there is somebody in my house more than 50 years old. What type of bank answers the phone with this question? 
I hanged up and after reading other similar complaints ( 43 in 3 years ) on your website I don't want to call them again. They do not offer any explanations to anybody. I am hoping that you will investigate this company and do something about this so they don't keep doing the same thing to other people. I can't believe that after getting 43 complaints from them they are still doing the same thing.
Product: Mortgage

On XX/XX/XXXX, my realtor has given me XXXX XXXX at Equity Prime Mortgage to apply for a loan. Knowing that the interest rates are on the rise, after the pre-approval process which happened exactly on the same day, I have repeatedly asked her to lock in the interest rate through phone calls, messages, emails. I even spoke with her realtor friend and the loan processor to lock in the rate. She completely ignored my requests. On XX/XX/XXXX, just 10 days from closing on the loan. She contacted me that in order to lock in the promised rate I have to pay over {$14000.00} in " points '' purchase. I still have every single message and proof that I have contacted her to lock in the rate. Needless to say I walked away and decided to go with another company that charged me half the price but at a higher interest rate. 

When I logged in to get the disclosure documents I electronically signed I found documents that I have never seen before. She has fraudulently, signed ELECTRONICALLY I have agreed to float my interest rates up to closing date. 
If I'm the one who begged her to lock in the rate, how did I sign this? It's because she did.
Product: Checking or savings account

I went into Bank of America 's branch and deposited a check I received from XXXX. The check is legit, and XXXX is a reputable company. It is XXXX of the largest investment firms on the planet, with XXXX XXXX under management. 

I asked the teller at the time of deposit if there would be any holds. There shouldn't be since I have banked with them for 10 years. I was assured there would be no holds. I asked because I have another account I know wouldn't either. When I deposited the check in the amount of XXXX, the bank received it. An hour later, I received an email stating that because the bank believed the check was not from a reputable company, they had placed a hold on my check. The hold is for XXXX week. which is holding up almost XXXX that was desperately needed to cover bills. Under the Expedited Funds Availability Act, the first {$220.00} must be made available. The ban has refused to make any funds available, hindering my ability to live for an entire week. 

They are trying to claim the reputation of XXXX as an exemption to the act, but XXXX is one of the most reputable and popular investment firms worldwide. Bank of America is abusing the exemptions under the EFAA and refusing to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Product: Credit reporting or other personal consumer reports

Over the long term with citi bank ctedit card sevice i have only been late on my 2 acounts twice due impart to Hurrican Burl and Personal Health Issues for My Wife & myself howere this were back to back XXXXXXXX XXXX XXXXXXXX & as quikily as i new about the autopayment error and I immeditaly correct the situation XXXX much more the the miumum due plus they check one of the late fees along which ll seems fair except that my XXXX to XXXX took a hit down to XXXX which is a unfair amount considering i made thE correction ASAP ( XXXX ) In the amounts of XXXX where the mim payent due was XXXX STATEMENT Minimum payment due : {$190.00} New balance as of XX/XX/year> : {$7600.00} Payment due date : XX/XX/year> XXXX STATEMENT Minimum payment due : {$310.00} New balance as of XX/XX/year> : {$7600.00} Payment due date : XX/XX/year> and these 's are the only CITI CC Service ( ATT Card ending XXXX ) Plus ihave a ( XXXX XXXX ending in XXXX which has never been late ) yet where as maybe a small hit but not almost XXXX pionts a Citi Bank Credit Card Mgr say they will investigate but that s not good enough i would like to file you all to see what you can do to help remedy the situation Respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$11000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$290.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX  that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX took money from my credit card for payment over two years and later sent me collection agency to get their money. Eventually the Merchant Credit took me to court to get the money in XXXX 2015 and they told my to take legal action on the money they took from my credit card. After XXXX 2015 they continued to take money from my credit card even though they told me my account balance is zero. XXXX XXXX Bank put a dispute and when we had a conference call with with XXXX help, they could not provide the answers about taking my money illegally. The collection agency report affected my credit score which I believe was not right.
Product: Student loan

As of XX/XX/XXXX I notified navient student loans to have my payments deferred because I'm currently enrolled in school. It was successful but on my credit report it's showing navient as being delinquent 3 different times but when I go on there web site it's showing that I have a XXXX balance. It also shows that will I will not owe anything for some of the loans until XX/XX/XXXX and XX/XX/XXXX. I'm so confused because it's dropping my score fast and it's extremely low because of this
Product: Debt collection

A company called XXXX XXXX XXXX has put derogatory marks on my credit report for the amount of {$950.00} dollars. I have never heard of or dealt with this company ever before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors has violated my rights! Under Act 15 U.S.C 1681 section 602 says I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account on my credit report by the name of XXXX XXXX XXXX. That account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX still appears. If XXXX bought the account and removed it, the entire account should have been removed. Also, they will not send me proof of my signature on the account or any type of verifiable proof like I requested from them in my dispute.
Product: Credit card or prepaid card

My interest rate was hiked 25 % from 12.24 % to 16.24 % WITHOUT LEGAL NOTICE. My FICO score is in the XXXX. Have been a cardholder for 30 years. A 45 day notice of interest rate increase is required by law. American Express willfully and knowingly violated that law. American Express must be forced to comply with financial regulations to protect consumers and small businesses. American Expresss management is arrogant and deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.
Product: Credit reporting

I called Experian and they stated that they can not investigate negative accounts on my credit report because they needed additional information. First of all this is a violation of the FCRA to deny me an investigation of these accounts. Second, I am not merely disputing certain aspects of these accounts as before. But, now I am disputing everything possible imaginable that is reporting on my credit regarding these accounts as well as notations. I also sent letters to each of the collectors and collectors to verify this information that they claim they have verified. 
I sent the following letters to verify accounts with the certified tracking numbers below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please help me correct the account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I learned that my Lexis Nexis consumer report had record of an at-fault automobile accident. The accident was not-at-fault, and the date of loss was XXXX Upon learning this, I contacted XXXX, who wrote a letter in XXXXXXXX XXXX XXXX confirming that the accident was not-at-fault. 

Nevertheless, over the last 2 years, the incorrect reporting by Lexis Nexis has driven up my automobile insurance rates. 

I heavily pursued getting this corrected on Lexis Nexis ' end in the XXXX XXXX XXXX  Their correction processes have been incredibly cumbersome and it is nearly impossible to get direct answers or to speak to someone over the phone who can help. Their phone call centers lead to dead-ends. 

Lexis Nexis continues to tell me they can not even issue me a copy of my own report due to failure to verify my identity, despite providing copies over time of my driver 's license and passport. 

Nevertheless, I provided Lexis Nexis with my letter from XXXX, intended to correct the record, but Lexis Nexis didn't accept the letter and won't correspond with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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
Product: Debt collection

I received a phone call today ( XX/XX/XXXX ) attempting collect a debt that I do not believe is mine. The creditor could not give me any information about the debt with the exception of the original bank name, and amount due. They gave me access to log into my online account. There was very little information in the online account ; however, I called back once I discovered the first name on the account was wrong and the address was 15 years old. The account is not on my credit report. I have never received any information regarding the debt and have no knowledge of an account being opened in XXXX, as I had a federal saving account in XXXX and am being told this is originally a XXXXXXXX XXXX account. When I called back I was told I could dispute it with the company, but it would likely be sold to another debt collector who would attempt to collect this debt. This is past the statute of limitations for XXXX XXXX where they say the debt is coming from, and the statute of limitations in the state where I live, XXXX I had my identity stolen in XXXX of XXXX and they are stating this account is from XX/XX/XXXX but have given me no information with the exception of a log in to pay the debt amount. I believe this company was deceptively trying to get me to reactivate an old debt that does not even belong to me. The attached file is the only communication I have ever received regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pervious addresses that are not mine I never lived there see letter attached