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

Eviction on credit report but actually been dismissed it should not be showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to have the FRAUD ALERT and Security Freeze removed from my Consumer file in order to proceed in the Home buying process-Transunion is giving me a hard time. I was transferred about 5 times only to end up not having this issued resolved. I was told the system was down. I NEED TO HAVE THIS RESOLVED ASAP or I will lose my Pre-Approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been removed from my credit report with XXXX and XXXX but experian has not deleted this file I will now have to file legal action as this is a violation of my rights and this is holding my credt back. I stated that this account was not mines and the refused to remove it even when i provided ftc and police reports they didnt move it. So now i will file legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

After dismissing an adversary proceeding XX/XX/18, I was told by attorneys including AES attorney that they would work with me regarding paying back loan. I am currently unemployed. AES only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and AES said nothing else was available. My loans went back to XXXX Bank  the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to AES on XXXX as I was advised to and was told again by AES that forbearance was not available. XX/XX/18 received letter from AES that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by AES even though they escalate the call. I was told by AES that XXXX bank didn't know that I had no options available.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$75000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$7100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2500.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$690.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$660.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$500.00}, XXXX XXXX XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$220.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan

I was trying to find a installment loan and that is what they said that they were when talking with them on phone not a payday loan. they said XXXX was the payment amount and that is what I thought was the monthly payment for 6 months. I agreed over the phone and then I questioned after they had taken XXXX from my checking account and that is when they send me their agreement that was for over a year and it showed I still owed almost the whole amount. I sent them an email which I will attach telling them to stop taking out of my account that the loan had been paid plus interest and if they did not send me notification that they closed my account I was revoking authority for them to take money from my account. I have not heard anything from them since last week and do n't know if they will still take money from my account on Friday the XXXX or not so I am filing a complaint. They are not licensed in Michigan and they say they do n't have to be which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home lender pull my credit report and transunion has mine and my XXXX brothers student loans in together. I called to dispute it 8 times and they still didnt get that I was the XXXX disputing this to get my brother off my report. I received a letter from transunion Monday addressed to my XXXX   brother who doesn't live anywhere close to this state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, A fraudulent unauthorized hard inquiry from PENTAGON FCU-XXXX was reported on my XXXX Credit report.
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 ACCOUNT # XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX 181891, 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. 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 or other personal consumer reports

XXXXXXXX XXXX XXXX is still reporting as a closed account but many months that were past due. During the XXXX XXXXXXXX pandemic, I entered into an agreement per the federal and XXXX XXXX that allowed for a payment readjustment during the emergency. XXXX  per law agreed to the adjustment. 

Once the pandemic period was over, XXXX re updated all the old late payments. They violated the agreement that we had in place. 

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes.

Please remove from my credit report per XXXX Payment Agreement that you didn't honor
Product: Credit reporting or other personal consumer reports

Fraudulent accounts that appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agency Experian for their refusal to place a block on a fraudulent auto loan, reported by XXXX XXXX XXXX , on my credit file, even after I provided ample documentation proving the fraudulent nature of the transaction. 

I discovered an unauthorized auto loan from XXXX XXXX  XXXX listed on my Experian credit report. Understanding the severity of the situation, I acted promptly and followed the correct procedures to rectify this issue. I filed a police report, submitted a Federal Trade Commission ( FTC ) Identity Theft Affidavit, and obtained a letter from XXXX XXXX  XXXX confirming the fraudulent nature of the loan and their agreement that the loan was not entered into by me. A copy of each document has been provided to Experian. 

Despite my efforts and in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies must block the reporting of information that the consumer identifies as information that resulted from an alleged identity theft, with the requisite documentation provided, Experian has denied my request for a block on this fraudulent loan. 

I believe Experian 's refusal to honor my block request constitutes a blatant disregard for my rights as a consumer and demonstrates an improper and potentially harmful handling of my sensitive credit information. This has caused me significant stress and has the potential to adversely affect my creditworthiness and financial health. 

According to FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), upon providing a valid police report to a credit reporting agency about alleged identity theft, the agency must promptly block the reporting of such information. Furthermore, under FCRA section 611 ( 15 U.S.C. 1681i ), the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate due to fraud and correct the error. 

As I have complied with all required steps, including providing the necessary legal documentation, I request the CFPB to investigate this matter promptly and ensure that Experian adheres to the appropriate sections of the FCRA. I seek an immediate block of the fraudulent information on my credit report and assurance that my rights as a consumer are upheld. Additionally, I request that Experian send me an updated copy of my credit report post-removal of the fraudulent account to verify that corrective action has been taken. 

Enclosed, please find copies of all relevant documentation, including the police report, FTC affidavit, and creditor 's letter, to support my claim and request for immediate action. 

Thank you for your attention to this urgent matter. I anticipate a prompt response and resolution to this issue. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit - Letter from XXXX XXXX XXXXXXXX
Product: Mortgage

Basically, my mortgage company, Select Portfolio Services, continues to stretch out these loan modification programs, then offer me a payback amount that I clearly can not afford to pay back. They keep saying they're referred my account to an attorney, but are still claiming to help me. They charge all these fees for their " review board '' which makes my payments even higher, they offer me something like {$3000.00} payments, when I couldn't afford the initial payments of {$1500.00}. I explained to them that I had been unemployed for over a year. I really think this company is just a scam. 
Then they keep offering programs like Short Sales and Foreclosures because their investors will not accept any offers and they're investors are not willing to accept not one payment. It's bad enough the mortgage interest, which they say is normal, is .8 %
Product: Credit reporting or other personal consumer reports

My credit score recently went down by XXXX points and the only thing that changed is EdFinancial decided to start reporting my student loans TWICE and incorrectly so it now looks as if I have more than double the debt. For reference, they have two older reports ( with the last payment showing as XXXX and I just made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, etc ) that show incorrect student loan balances of in excess of {$26000.00} altogether ( one approximately {$9800.00} and the other approximately {$16000.00} ) - these amounts and payments are incorrect and need to be removed from my credit. They ALSO have an entry for approx. {$25000.00} - this is the only correct entry on my credit and includes the ENTIRETY of my student loans. I do not owe over XXXX XXXX XXXX  anymore - and they will not fix it. They claim they are unable to even look into it unless I file a dispute with experian first. I have done so but how lazy and cruel? Your ( EdFinancial ) poor accounting and reporting caused my credit to drop by XXXX points while we are shopping for a home for our family and you cant be bothered to fix it unless forced to do so by an outside party? I am extremely disappointed with this servicing company. Please provide more oversight. Perhaps if they remember the watchdog is watching they will behave a bit better.
Product: Credit reporting, credit repair services, or other personal consumer reports

This public record is being placed on my credit report by mistake. Experian is mixing someones information on my credit report.
Product: Credit card or prepaid card

XXXXPNC fraud prevention contacted me, XXXX had a fraudulent charge. Card/account was closed. I had autopayment set up to pay this credit card from my PNC checking acccount monthly. Fraud person told me not to worry, that I could set up auto pay once I received my card. Couldnt access the account until I received the card and activated the card. 
XXXXaccount payment due date XXXX-I finally receive the replacement card, I activate it, and select to pay statement amount. Slightly less than {$4000.00}. I paid the card in full, minus a late fee I was charged for not paying on XX/XX/2022. 
XXXXcall to dispute late fee and now about {$46.00} in interest charges on the account that I paid off on XX/XX/2022. Spoke with PNC customer service. They said the late fee was removed, but reminded me to make my payments on time. I explained the situation and told them it was not Normal, and to check my account because I always make payments on time due to having autopay. Explain situation to them, they refuse to remove Interest charges. I speak with two supervisors about this situation, first one the call is droppedI call back but cant be transferred to that person again. I get a second supervisor who is extremely rude, and tells me its my fault for not paying the balance off in full by XX/XX/2022. I remind her I couldnt. She says it doesnt matter, I have to pay it due to having a balance that was t paid in full for at least the last year ( even though I pay monthly, and the final in full payment should have contained all interest due ). 

XXXX have closed the account. Supervisor 2 refuses to give me her manager to speak to, refuses me contact information to speak to him or to file a complaint, informs me to mail the complaint-proceeds to give me a fake mailing address. I now have no way to file a complaint with them, and it remains unresolved. 

Also, in their account files that have it written that my old account balance was transferred on XX/XX/2022 and I am not sure how that happened since the account was closed due to fraud until XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I applied for a 4 in 4 payment with my XXXX XXXX  account. Upon applying I was denied as a result of Experian credit score of XXXX. I however just checked my score and it was around XXXX the previous day. I looked at the letter that was sent by XXXX and they said they received my score from Experian. The score is different by over XXXX points. I called Experian to get clarity on what my credit score really is so that I can move forward with fixing this situation and they said the score on the experian.com website was the accurate score so I'm not clear on why the score is displayed as 2 different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit card

Charge for services not as advertised! Close my dispute without my proof or any doucmentaion. When I complained about this they reopen the dispute and I attached the supporting documents in which they closed the dispute in less than 24 hours in favor of the merchant again! 

This below is the responce for services not as advertised! 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : CareCreditSM Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your inquiry. I appreciate you bringing this matter to my attention. 



We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account. 



We have researched your complaint. Based on our investigation, a credit will not be issued for the sale of {$750.00}. Your claim was presented to XXXX XXXX XXXX. A copy of their response is enclosed. The dispute has been resolved in favor of the XXXX XXXX XXXX. Additionally, we have enclosed signed documents where you acknowledged any possible side effects and XXXX XXXX XXXXXXXX XXXX nonrefundable policy. 

At this time, we consider the dispute closed. If you have any information or documentation in support of your dispute that was not previously provided to us, please contact us at ( XXXX ) XXXX, and we will be Happy to re-evaluate your case. 

The disputed amount is now subject to interest charges, although deferred, and will be used to determine your minimum payment due. Please refer to your next billing statement for your balance and payment due date. The terms and conditions of your account have not changed.
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights. Information is inaccurate. According to the following US Codes 1681 ( b ), US Code 1962, US Code 6801 and US Code 605. They are in violation of my rights. 

Personal information should list : ] the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX employer : XXXX { ; ease remove any other names and address asap an for maximum accuracy In Violation of my rights according to US Code 1692 and US Code 605. The following accounts are reported INACCURATE please remive late status XXXX violation of US CODE 1692 never late XXXX XXXX violation odf US Code 1692 never late XXXX XXXX XXXX violation of US CODE 1692 NEVER LATE XXXX XXXX violation of us code 1692 never late XXXX XXXX XXXX violation of US Code 1692 never late XXXX XXXX XXXX violation US Code 1692 never late accounts involved in identity theft -remove late payment ststus asap or civil law suit will take place