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

I have submitted detailed complaints with XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. and 2 of the 3 credit bureaus on this platform. It has come to my attention that there has been no new reporting on my reports after having opted out ; however, the previous reported history is still causing hardship and injury to the wellbeing of myself and XXXX XXXX. 15 U.S.C. subsection 1681c details the Requirements relating to information contained in consumer reports ; section ( b ) 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, meaning NO adverse item besides the conviction of crimes should be on my report, any derogatory mark is not allowed into the consumer reports, indicating a violation! further, 15 U.S.C subsection 1691a ( 2 ) ( A ) ( i ) states ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; conclusion : REPORTING TRANSACTION HISTORY IS ILLEGAL. 
take Further Notice! XXXX, EQUIFAX, AND XXXX, have been allowing or sharing my personal information to solicitating credit card companies, evidenced by the very report each bureau has provided to me upon request, making this a valid claim for IDENTITY THEFT, pursuant, 12 CFR subsection 1022.3 Definitions, which states very clearly : IDENTITY THEFT means a fraud committed or attempted using the identifying information of another person without authority ; as I see it ; by use of the very definition given, anything added to my report WITHOUT MY WRITTEN CONSENT is considered IDENTITY THEFT. Every privacy NOTICE i have ever received firmly states the company/bureau DOES NOT SHARE my information with third parties, however there's record of soft inquires on each report!!! which evidences deliberate misuse and/or breech of trust! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. have both been paid in full!!! I have been in disputes with both entities and their trustees for over a year now! they BOTH have misused the tender and security given to settle the obligations! they BOTH have WILLFULLY dishonored my attempts to settle the debt. their gross neglect in updating my accounts have resulted in injury! AND THE OFFER OF NO EXPLAINATION TO THE DISAPEARING TENDER ONCE IN THEIR CUSTODY!!!!

I am INJURED from this Gross neglect! and am facing severe hardship, and displacement due to their WILLFUL NONCOMPLIANCE! 
FURTHER NOTE : due to the inaccurate reporting from these two furnishers, the other credit lines have either lowered my available credit and or closed the account to which I have no negative history with, yet this greatly effected my credit utilization!
Product: Payday loan, title loan, or personal loan

Called XX/XX/XXXX wasn't in agreement with the pay off amount on XX/XX/XXXX over XXXX after paying XXXX since XX/XX/XXXX have to make payments until XX/XX/XXXX to pay off in payments on a loan of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX trans union. Keep reporting inaccuracies and comments on my credit report. XXXX. Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, Trans union and XXXX assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.
Product: Credit reporting or other personal consumer reports

Recently ordered my XXXX credit reports and Equifax has my name spelled incorrectly with many inquiries showing different companies that I have supposedly made payment too and I haven't for example DBA XXXX XXXX XXXX XXXX, CA. Equifax also shows me employed with Performance since XX/XX/year> and I was actually working for Arizona emissions owned by XXXX XXXX  XXXX ( was fired in XX/XX/year> ) during this time. XXXX XXXX XXXXXXXX is now owned by XXXX or XXXX or XXXX. 
The insurance companies are not all accurate and kinda scary for me. 
Pyramid bank shows that I payed {$0.00} per month for XXXX  months and they continue to send me life insurance policies that they started on my behalf and if I want to sign for continued coverage or to add a beneficiary I may do so.

There are too many issues to address and Im not sure exactly where to even begin. I do have a timeline and Radom events in my memory bank or grey matter that can discussed or possibly brought to surface. This document states not to include personal information such as name etc. I would like to receive a phone call from someone of interest regarding this complaint because I have had XXXX different employers in the past 7 years and have been fired from them all. I would like to have a better acknowledgement as to what's going on and hopefully help prevent fraud or any bad business practices such as XXXX XXXX not having to pay federal taxes or who's reporting what on my credit report. This complaint is all over the place Im aware of that. hopefully someone can help thank you XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I have XXXX of Bank of America Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Bank of Americacredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want bank of america refund all cash or power rewards to me
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 8. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, necessitates the removal of any incorrect accounts from my credit report. Can you look over the documents? Some accounts are reported inaccurately, with errors in the amounts and dates.
Product: Credit reporting or other personal consumer reports

Transunion has failed to thoroughly investigate the account XXXX XXXX XXXX that is reporting on my credit report. I sent a dispute letter to the creditor on XX/XX/2023 requesting validity of their claims under the laws of Texas and UCC XXXX as well as State XXXX and XXXX statutes. It has been 11 months, and the creditor has failed to send any debt validation. Transunion is still reporting this account as verified when XXXX and XXXX have since removed this account. I am requesting that Transunion follow suit and remove this account from my credit report. A deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. XXXX XXXX did not provide the required docs including original Validation proof that the repossession of the subject vehicle was legal in accordance with the UCC, copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Proof was not sent within 15 days of receipt of the certified letter it has since been 11 months so the alleged claim has been null and void and continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Mortgage

I purchased a house and the closing date was XX/XX/XXXX. The mortgage had a {$620.00} loan origination charge to buy a quarter percent lower interest rate. There were so many errors, issues and problems with the closing documents ( far too many to detail here ) that delayed the closing. Because it caused so much extra work for my attorney and so much stress on me and additional costs in attorney fees, the mortgage banking consultant at FNB ( First National Bank ) XXXX XXXX ( NMLS # XXXX ) called me late in the day of the closing and told me that FNB will be refunding the {$620.00} loan origination charge because of all of the errors. He said it would not be a refund or check and that it would be a credit applied to my mortgage on the principle. Mr XXXX even said they would credit any interest that has accrued on {$620.00} since the closing. Ever since the XX/XX/XXXX closing, I have talked to, texted and emailed XXXX XXXX numerous times to check on the status of the credit and it still has not been credited to date as of XX/XX/XXXX. It's been almost a year since the closing and he will no longer call me back or respond to my texts or emails. He is very careful and cunning and makes sure to never put anything in writing and only responds verbally over the phone. Mr XXXX even stated to me over the phone that he is not making any money since my loan closed and said he doesn't want to spend any more time trying to resolve the {$620.00} credit for me because he has other mortgages he needs to take care of now. Mr XXXX has given me numerous dates over the past year of when the credit would be applied but all of those dates have come and gone with no credit. He told me numerous times that he is just waiting on a signature from a supervisor and the credit would be applied as soon as his boss XXXX XXXX signed it. The last time I spoke to Mr XXXX a few months ago he actually offered to give me a smaller credit of around {$200.00}. I have called their customer service department and spoke to numerous people including XXXX XXXX, a customer service specialist who told me that there was nothing she could do about it. I have asked to talk to XXXX XXXX and have left messages for him to call me back but have never received a call back. I believe that XXXX XXXX originally tried to resolve all of the closing issues by committing to the {$620.00} credit without supervisor approval and his supervisors will not sign off on it. I will be remortgaging my loan as soon as possible and will never do business again with First National Bank 's mortgage department.
Product: Credit card

I downgraded an American Express Platinum to an American Express Gold card, which includes a XXXX XXXX  monthly benefit on XXXX. 

Upon adding my Amex Gold card to my XXXX account, as instructed, I encountered a pop-up that my card benefit had already been activated on another account ( this is not possible, as I do not have another XXXX account and no one else is in possession of this card ). 

Upon contacting Amex, they told me theres nothing they could do about that and that I would need to contact XXXX. The contact information they gave me at XXXX called their phone a ride line, without any form of customer support. After calling Amex a second time, I was given the same information, that they would not be able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACCEPTANCE NOW XXXX Balance - XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Inaccurate TransUnion Late Payment Remarks XXXX XXXX XXXX - Account # : XXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Employer - XXXX EMP Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.
Product: Mortgage

I am submitting this complaint regarding U.S. Bank 's inaccurate reporting of my mortgage account as delinquent, which has caused significant damage to my credit score. 

I was approved for a XXXX XXXX XXXX XXXX ) forbearance plan by U.S. Bank starting in XX/XX/XXXX, due to financial hardship. This forbearance plan covered the months from XX/XX/XXXXXXXX XXXX XXXX through XX/XX/XXXX. I was not required to make mortgage payments during this time as per the terms of the forbearance. 

However, despite this approved forbearance, U.S. Bank has reported my account as 180 days delinquent as of XX/XX/XXXXXXXX XXXX XXXX for the payment due on XX/XX/XXXX. This delinquency reporting is inaccurate because I was not obligated to make that payment under the forbearance agreement. My account was protected under the forbearance, and therefore no payments were missed during this period. 

As a result of this incorrect reporting, my credit score dropped drastically by XXXX pointsfrom XXXX to XXXX. This has had a severe negative impact on my ability to access credit, undermining my financial stability during a time when I am working to recover from previous hardships. 

I have already communicated with U.S. Bank and requested that they correct the credit reporting. Unfortunately, they have refused to amend the reported delinquency, despite the fact that I was under a valid forbearance plan. Their response fails to acknowledge that the delinquency is a misrepresentation of the facts, as I was not required to make the payments they are reporting as past due. 

I request that the Consumer Financial Protection Bureau investigate this matter and require U.S. Bank to correct the credit reporting to accurately reflect that I did not miss any payments during the forbearance period. It is essential that this incorrect delinquency be removed from my credit report to restore my credit score and financial standing. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )