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

I am writing to express my dissatisfaction with the handling of my previous requests to remove fraudulent items from my credit report. Despite multiple attempts, these fraudulent entries persist, causing significant distress and potential harm to my financial reputation. 

I have diligently followed the procedures outlined by your agency to dispute inaccurate information. However, despite providing ample evidence of the fraudulent nature of these items, they continue to appear on my credit report. 

These inaccuracies have serious consequences for my financial well-being, affecting my ability to secure credit and impacting my overall creditworthiness. Furthermore, the persistence of these fraudulent entries reflects poorly on the credibility and reliability of your agency 's reporting processes. 

I urge you to take immediate action to rectify this matter by thoroughly investigating each disputed item and promptly removing any fraudulent entries from my credit report. I expect a timely response acknowledging the receipt of this complaint and outlining the steps that will be taken to address these issues. 

Please understand the urgency of this matter and the importance of restoring the accuracy and integrity of my credit report. Failure to resolve this issue satisfactorily will leave me with no choice but to seek legal recourse to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone newd to hold the accountable for this.
Product: Debt collection

I do in fact owe this debt. I am experiencing a financial hardship. However, i am experiencing phone calls after XXXX XXXX. daily. As well as calls mulitple times throughout the day. This is unprofessional business practice. I have informed you to stop calling after hours. If this does not stop i will file a cease and desist.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My oldest daughter just refinanced roughly {$60000.00} student loan debt with SoFi. My daughter provided all documentation SoFi asked for ( most recent statements of loans to be refinanced, etc ) and I co-signed the loan. SoFi apparently did not ask my daughter for payoff statements of loans to be refinanced, and apparently did n't acquire authorization from my daughter to request payoff statements themselves. SoFi calculated the " payoff '' amounts themselves. As a result, one of her loans was underfunded by nearly {$3000.00} and now we are left holding the bag, scrambling to come up with the money or secure additional financing. I spoke with several levels of agents at SoFi who acknowledged they under-fund loan payoffs regularly, arrogantly asserted that my daughter should have known to request a payoff, and reported they are happy to add the additional money due to her new loan with SoFi. <P/>Are n't there laws requiring a student loan lender, as the knowledgeable party, to request payoff quotes from companies they are paying off ( whether requested from borrower, or authorization is obtained to acquire payoff quote themselves )? If not, I hope you will lobby for regulations to be put in place requiring lenders to  obtain accurate payoffs when refinancing debt.
Product: Credit reporting or other personal consumer reports

Hello, I have requested for a 1099c form from the original creditor XXXX XXXX which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency Trans union and XXXX as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone attempted to open a XXXXXXXX XXXX  card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a response stating " Equifax will not respond to this complaint via the CFPB portal as we suspect it may have been submitted using a credit repair company. '' I submitted my complaint myself. I am not a credit repair company. It doesn't matter what verbiage is used. If I ask specific questions, it is my right to get the answers. Equifax does not want to send a response via the CFPB portal because they don't have answers to specific questions that I'm asking and they don't want the CFPB to know this. All they are going to do is do another " Investigation '' and send me a letter saying the items were verified. I spoke with a representative from Equifax and he stated that during this " Investigation '' they send a message electronically to the original creditor and ask them to verify the balances. THAT'S IT! That's not an investigation. That's only my word against theirs. Again, I want to know who at Equifax performed this investigation, what documents were used to verify the items, and what is that Equifax employee 's phone number? You can't verify something and not show me how you verified it. Provide the information that I asked for or remove the items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Unauthorized Inquiries The purpose of my letter is to dispute the following twenty one inquiries that are wrong and unauthorized. Please remove them from my Experian credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 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 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
Product: Credit reporting

Transunion 's system had a glitch where they added back all the inquiries that had been removed and they never notified me that these items were being added back to my report. I know that this is a direct FCRA violation. My score rightfully went up after the removal and then went back down when inquiries were re-inserted. I have tried contacting Transunion for 2 days for assistance, but I get hung up on, transferred to dead air, transferred to supervisors I never asked for, or just placed on hold and no one ever coming back. I am trying not to get upset, but it seems that I am unable to get anywhere. Could someone please provide me with a resolution? I would greatly appreciate it. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian closed my complaint without investigating. Experian is reporting 3 inaccurate accounts on my credit report. I provided factual reasons why these accounts should be deleted. Please see below : 1. THE ACCOUNT IS LISTED AS AN OPEN CHARGE-OFF AND REQUIRES DELETION FOR INACCURACY XXXX XXXX Account Number : XXXX DELETE FOR INACCURACY ITS IMPOSSIBLE FOR A CHAGE OFF TO BE AN OPEN ACCOUNT 2. THIS CHARGE OFF ACCOUNT SHOULD NOT HAVE A BALANCE PLEASE DELETE FOR INACCURACY XXXX XXXX Account Number : XXXX DELETE FOR INACCURACY CHARGE CANT HAVE A BALANCE DUE, AND THIS ACCOUNT HAS BEEN REAGED WHICH IS A VIOLATION 3. THE ACCOUNT IS LISTED AS AN OPEN CHARGE-OFF AND REQUIRES DELETION FOR INACCURACY NATIONAL CREDIT ADJUST Account Number : XXXX DELETE FOR INACCURACY CHARGE OFF ACCOUNT SHOULD NOT HAVE A BALANCE NEITHER SHOULD IT REPORT AS AN OPEN ACCOUNT
Product: Debt collection

Received a debt collection notice from Coast Professional Inc,, XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX for {$950.00}. We called and could not get any information about what the debt was for. We send letter XX/XX/XXXX to Coast requesting more information. We send one by mail 2 by fax. Coast finally responded after I called them and said they could not provide what the debt was for, we would have to contact the IRS. We called the IRS and got nothing. Only thing IRS responded with was send a form letter to request what the bill was for. The IRS had sent nothing to us about the debt. We sent the 4 letters of request to the IRS on XX/XX/XXXX we have not had any responce from the IRS as of XX/XX/XXXX. We do not know what the bill is for. Only the IRS does and they don't want to tell us? Today we received another demand for $ {$960.00}, with no copy of bill or proof of what it is for. We use a XXXX firm to handle our accounting and file our tax returns. They have double checked our XXXX tax return that is in question and find nothing wrong. The only people who know what the bill is for is IRS, IRS also will not share with us the bill, WHY? 
Rather than sending us a bill/notice with the issue..they turn us over to a collection agencey who don ; t even know what the debt is for or have copy to provide to us. These seems more like a fraud/scam operation? Why the hold back on giving us a copy of the bill? why do we have to jump thru all these hoops if the IRS found something they think is wrong? or did they? Very frustrating to try and resolve a problem when you dont know what it is.
Product: Debt collection

I submitted a dispute ( note the below Complaint ID below ) 3 weeks ago regarding XXXX XXXX XXXX and XXXX that said I owed over XXXX for a card that I never applied for nor used. They said the XXXX was due to origination fees and late fee 's. Your company helped me resolve their errant reporting. But they also sold the debt to a debt collection company ( NCA that is Reporting still ). This is linked to the above account and should be removed as well. Please see their information. 



Original Complaint Filed COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Getting a credit card Please see the company ( Debt Collection Company Below hired by XXXX XXXX ) NCA Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX AND XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX  AND XXXXXXXX XXXX Report info
Product: Credit card

In XX/XX/year>2024 I received an alert through my credit monitoring service that someone had fraudulently opened a credit account with THD/CBNA in my name using my previous last name was changed over 10 years ago. They opened an account with an {$8000.00} credit limit and charged {$7700.00}. I was told the individual went in a Home Depot Store in XXXX, Ky. and opened the account in person using my information. I immediately reported this to all credit bureaus, XX/XX/XXXXand filed a police report # XXXX. I reported this information immediately to THD/CBNA and was provided a case # XXXX. I later found out that they also used the name and SS # of my ex husband. He too verified this was appearing on his credit report as well and took all the same steps that I had taken and was given case # XXXX. I have an identity restoration specialist that I've given Power of Attorney trying to help me get an update on my case. THD/CBNA refuses to give me an update on the case because they keep telling me that the information I am providing to them doesn't match what is on the credit account. Now for some reason my ex-husbands name is appearing on 1 of my credit reports and I'm having trouble getting that removed also. I received a letter from Home Depot Credit Services but it is in my ex husbands name and a different acct # stating that he has been cleared and they would notify consumer reporting agencies to remove the account from his credit. I have not received that letter in my name. What is more strange is that they sent letters to his address and mine in his name but nothing to either address in my name. The credit reporting agencies do show the account is closed but I don't see that my name has been cleared of the account. He received a letter at his address for acct # ending in XXXX, he also actually received the physical card in the mail with his name on it that ended in XXXX. I received a letter at my address in his name for a different acct # ending in XXXX. I never did receive a card at my address for that account. The credit agencies give you the beginning account # 's so I have no way of verifying if the account that was in my name was cleared or not. They also show the accounts were opened on 2 different days, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. I'm guessing they won't talk to me because it has something to do with the information of my ex husband. What they are not understanding is there are 2 account # 's, 2 different addresses, 2 different social security numbers, but the letter to me was in his name and not mine. I did speak to a XXXX the first time I called THD/CBNA and she is the one that informed me they used my first name, my previous last name, my address, and my social security #.
Product: Credit reporting or other personal consumer reports

I have been putting in disputes to Experian to remove the student loan amount of $ XXXX from the XXXX account. The latest is as of XX/XX/XXXX. Other times have been in XX/XX/XXXX. My student loan was transferred from XXXX to XXXX in XX/XX/XXXX. In XX/XX/XXXX my student loan was forgiven for the full amount. That account is no longer on my XXXX and XXXX report but the XXXX account is still on the Experian even after sending up the information that it had been forgiven by XXXX. I have sent up the documentation stating that it is forgiven and that account is inaccurate on Experian but they will not remove the information as it has been removed off of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX 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
Product: Credit reporting or other personal consumer reports

I JUST RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD CHARGE CARD. 

XXXX XXXX XXXX XXXX XXXX WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I AM NOT RESPONSIBLE FOR SOMETHING I NEVER OPENED. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

American Express is c harging late fees and threatening to report me to credit agencies for a dispute. The disputed charge is for an unsolicited  XXXX  ride on  XXXX / XXXX / XXXX  for {$40.00}. Late fees of over {$200.00} have been added to m y American Express account as well. Despite me having contacted American Express  in  XXXX ,  XXXX ,  XXXX  of  XXXX  and  XXXX  of  XXXX . I spoke to  American Express  representatives,  XXXX   XXXX  and  XXXX  about this  matter.As of late, several American Express employees such as  XXXX   and  XXXX  continue to harass me and call my private mobile to tell me that they have sent my information to deb t collectors.Also, up until this very day, I am still unable to use my AMEX points bec ause of the present issue. These points were earned independent of this issue.
Product: Debt collection

On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.
Product: Mortgage

I have a home mortgage with XXXX, which transferred mortgage servicing to LoanCare on XX/XX/2021. XXXX sent me an annual escrow statement in XX/XX/2021 which showed an escrow shortage of {$250.00} ( document attached ). I mailed a check for {$250.00} along with their payment coupon ; that check was cashed on XX/XX/XXXX and endorsed to LoanCare ( document attached ). 

Because I was concerned about the servicing transition between XXXX and LoanCare and did not want my monthly payment to increase, I also transferred {$250.00} online via XXXX Bank on XX/XX/2021. ( XXXX recorded the transaction on XX/XX/XXXX. Document attached. ) LoanCare, however, credited my account with only XXXX payment of {$250.00} and increased my monthly payment. 

I have had multiple conversations with LoanCare customer service agents about the missing {$250.00}. Per their instructions, I sent an email on XX/XX/XXXX to XXXX explaining the problem and attaching a copy of the cancelled check ( email copy attached ). The following day, I received this confirmation from them : " We have received your recent inquiry regarding your mortgage account. Your information has been forwarded to the Processing Team. Please allow time for further review and resolution. '' After another discussion with customer service, I sent an additional email to paymentresearch on XX/XX/XXXX, again attaching a copy of the cancelled check. They replied with " We have received your recent inquiry regarding your mortgage account. Your request is still open and being reviewed. Please allow time for research and resolution. '' In XXXX, my monthly statement included a massive number of entries by LoanCare -- between XX/XX/XXXX and XX/XX/XXXX, they reversed and reapplied 57 line entries. ( Copies of payment history attached. ) In that process, they did credit the missing {$250.00} -- and then they reversed it again.

My latest conversation with LoanCare was last week, when an agent once again assured me that he understood the problem and could get it corrected. However, he " could not reach the back office '' where corrections are evidently actually made, and he assured me that I would hear from him as soon as he had an answer. That was over a week ago. I told him that if I didn't hear from him by the end of the week, I was going to file a complaint with CFPB ; that is what I am doing. 

Note that there