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

XXXX, XXXX and Experian are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$7600.00}, XXXX XXXX opened XX/XX/XXXX XXXX {$400.00} Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per their own words Experian states : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ).

In lieu of the recent lawsuit with Experian the above statement comes into question regarding its validity if the case has been truly investigated. Please remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a complaint with the Ohio attorney general 's office I filed a complaint with XXXX XXXX personally and I also wrote two judges XXXX XXXX XXXX XXXX agreed to give me a loan modification I had a bankruptcy dismissed and I missed it at XXXX XXXX sold my home and had me evicted from my own home there's still on my credit report I had no knowledge of the title being taken out of my name and they're making it impossible for me to obtain housing due to the inaccurate reporting on my credit I would like for XXXX XXXX balance amounts to be zeroed out and for the eviction to be removed I paid taxes on my property and then my property was taken out of my name which currently left me homeless I'm trying to obtain housing and the credit report is holding everything up. I contacted her and was told this is clearly mortgage fraud and more action needs to be taken in reference to this issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

this morning I check my credit report and notice that XXXX has opened an inaccurate account ( SANTANDER CONSUMER USA ) that has been closed since XXXX, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and Santander Consumer Usa hasn't gave me my disclosures, per 15 usc 6802b.
Product: Credit card or prepaid card

CAPITAL ONE CREDIT CARD ACCT XXXX COMPANY AGREED TO REMOVE ACCOUNT FROM CREDIT REPORT IF PAID IN FULL THIS HAS YET TO OCCUR.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a recent copy of my transunion credit report. I noticed 6 unknown & unauthorized inquiries on my report from creditors I've never heard of. I reached out to Transunion to remove these inaccurate inquiries and was told i needed to contact the creditors and that they ( the creditors ) are the only one 's who could remove them. Even if that were true, which it is not, I don't even have any contact info for the companies & it's not my job to prove them wrong but there job to make sure the information they report is right & accurate. I have no accounts with any of the creditors listed.
Product: Credit reporting or other personal consumer reports

Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I always pay my bills on time. Comenity Bank has taken over XXXX XXXX and has not sent me a statement. I normally pay all my bills by money order so its very important that I receive my statements because this is how I know to pay my bill. I don't online pay any of my bills. 
Even though I have not received a statement I called to get the address on XX/XX/XXXX so that I could send my payment off in time to reach the bank. The payment was mailed on XXXX XXXX. 
On this particular day I sent 3 bills out in the mail. The other two have posted as paid but not the one I sent to Comenity. The address that the lady on the phone gave me is Comenity Capital Bank XXXX XXXX XXXX XXXX TX XXXX. This is where I sent my {$100.00} money order. 
I don't know why this payment hasn't posted since the other two that I sent on the same day reached their destinations. It may have something to do with the fact that I have never received a statement from Comenity Bank about my payment but whatever it is it's on their end and not mine. 
When I called today, XXXX XXXX, 2023 the person I spoke with said I would most likely get a late fee if they don't receive my payment by Friday, XXXX XXXX. I reminded her that I never received a statement and that a late fee is unfair because Comenity Bank didn't do their part by sending me the statement ( acrually they haven't sent anything with my new account info ). 
I should not get penalized while they try to figure out why I haven't received a statement or any new account info from them. The bigger issue is that I do not want my credit score impacted because of their slackness. Why should my credit take a hit because of this bank transfer. I have NEVER been late on any payment that I have. As a bank they know how lateness negatively affects the credit score. They need to get this fixed ASAP.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 6 credit alerts of new inquiries that i never made. 
XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX bank And on XX/XX/XXXX i got a call from a XXXX XXXX representative notifying me that someone tried to purchase something in person using a picture ID with my name. 
I dont know if they made any purchases yet, thats what im trying to see and make the report to avoid any transactions from this stores and future transactions too.
Product: Checking or savings account

I would like to close the Robinhood brokerage account. It was declined by the company due to the remaining one share in the account. This one share is XXXX^, which can not be trade using Robinhood system. This share was giving by Robinhood as a gift few years ago from referral program, and I did not authorize the possess the position. 

This is the full reply from the Robinhood agent : Hi XXXX, Thank you for reaching out today! I hope this email finds you well. This is XXXX here again with Robinhood Support. 

I appreciate you taking the time to write in about this. Thank you for your patience and understanding concerning this matter. 

As we discussed, it looks like there is just one position remaining in your account that is preventing you from closing it. The position is XXXX. First, this position actually isn't a stock and can not be traded. It is what is known as a Contingent Value Right. The term contingent value right ( CVR ) refers to a right often granted to shareholders of a company facing restructuring or a buyout. These rights ensure that the shareholders get certain benefits if a specific event occurs, usually within a specified time frame.?? Basically, this position is a placeholder in case the issuing company can make a payout to their shareholders in the future. I know this is not ideal but, because of this we can not remove them from accounts. Please note, this was not Robinhood 's decision. 

We would have to wait for the issuing company to either deem the CVR worthless or issue a payout to their shareholders. Unfortunately, we can not get rid of these as the position has not been declared worthless by the SEC. I can confirm that this is the only position remaining in your account at this time. 
Please reply if you have any questions or concerns : Were here to help! 

Sincerely, XXXX Case ID : XXXX
Product: Credit reporting or other personal consumer reports

Capitol auto loan representative told me account is reported paid in full and is still showing as delinquent
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX  about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR  to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the fourth time. On XX/XX/XXXX I called XXXX and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the company.
Product: Debt collection

I have set up a payment plan with this company CRM XXXX GA I have made one payment and they attempted to collect another to which I agreed the funds were avalible in my account they are saying it was denied I stated to them that the funds have been in my account for a week now I agreed to four payments to pay off the debt I have made two this would be my third payment I was instructed by them to send the the first payment it was debited from my account Then I was told there would be a surchange for card transactions could I two daymail deliver and I did it was delayed due Labor day I guess because the office was closed USPS told me this directly Iam being harassed by this company I have tried to comply I have been accused of lying and threaten with jail time when I TOLD THEM I WOULD BE CONTACTING FTC I WAS LAUGHED AT. Contacts at CRM XXXX XXXX and XXXX XXXX contact # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open bank and credit accounts, without my knowledge and permission. 
One of these banks, after acknowledging the problem, provided me with a complementary, 3-agency extended fraud alert. 
Since then, I have been successful in creating online accounts with XXXX and XXXX, so that I am able to monitor activities and look for illegal attempts by identity thieves. 
In contrast, when I try to do the same with Experian, the system fails to correctly authenticate my identity : almost all authentication questions do not apply to me. Upon failing, they provide a phone number ( XXXX ) to contact. As soon as I call, the automated voice asks for my Social Security Number, which I provide obediently. The voice then says I did not get that. And the same cycle repeats. There is no option/route to reach a human being to resolve the problem. I have tried this approach dozens of times since XXXX, with no success. 
I request that Experian correctly authenticate my identity, so that I can access my online account.
Product: Credit card or prepaid card

I have asked multiple times for this company to please stop calling my cellphone, they have done it from various different phone numbers, I block one number and they start harassing me from a different number and I am now getting harassed with automated phone calls. I have asked again today XX/XX/2022 to stop being called on my cellphone
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I have been working with a HUD counselor since XX/XX/XXXX to complete a Partial claim modification with my mortgage company, Flagstar Bank. I was approved for the modification in XX/XX/XXXX and sent paperwork. After review by my HUD counselor he determined the structure of the modification was not accurate and I was not given the full partial claim and that my payment was too high and not affordable. We have been trying to resolve this for 5 months now. I have asked Flagstar for a review of the terms and to adjust the terms pursuant to FHA/HUD guidelines of the the Partial Claim Modification guidelines and they have done nothing but ignore my request. These request require that Flagstar Bank acknowledge me within 30 days and not once during this process has anyone from Flagstar communicated with me. I have now been sent a default and intent to accelerate notice. Below is the breakdown of events noted by my HUD counselor : 1 ) XX/XX/XXXX mod offer not accurate 2 ) sent QWR ignored for 2 months, denied assistance told he didnt want help 3 ) notified servicer of error that they did not review clients file, they acknowledged mistake and re-opened file XX/XX/XXXX and it should take a month to make a decision 4 ) calls from homeowner and myself to confirm review was taking place XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we were told on numerous occasions that his situation was escalated and being looked at 5 ), call again yesterday XX/XX/XXXX to check on status of re-review rep told us mod was denied as PI increased, let her know this made no sense as initial complaint was to utilize full amount of Partial Claim 6 ) this is the reason for our contact to you, FHA/HUD to escalate this issue and help mediate the situation as there is still no resolution My HUD counselor has stated he has never worked with a Mortgage company like Flagstar that ignores the laws and guidelines set forth by FHA/HUD to support and assist consumers. Flagstar is negligent and ignoring my rights and is intending to foreclose on me. I am permanently XXXX and my wife and I are on a fixed income. This is why the full Partial claim modification is so important. If Flagstar does the numbers correctly within the guidelines I can afford to stay in my home. 
Please help...
Product: Debt collection

Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed
Product: Credit reporting

Someone stole my personal information and fraudulently obtained a bogus credit card. This started in XXXX XXXX 2015. I became aware of this when XXXX XXXX in XXXX, XXXX contacted me of this illegal activity. I reported this to the XXXX Police Dept in XXXX Case # XXXX with XXXX XXXX XXXX conducting the investigation.They started a investigation along with XXXX XXXX and XXXX XXXX in XXXX, XXXX who then turned it over to XXXX XXXX XXXX who have closed the case. 
Many outstanding charges started mounting up on my credit causing my credit score to start dropping. 
I lost my husband last month and I need for someone to correct these errors. I am a victim who is XXXX old that needs HELP!! 
XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I was assaulted and robbed : My cell phone, wallet, laptop and other items were stolen. Immediately after the attack and theft I was locked out of my accounts ( banking, email, XXXX, credit cards and more ). It took time for me to recover and start filing claims and freezing accounts. 

I filed a complaint with each company that was impacted. XXXX, XXXX XXXX XXXX, XXXX XXXX, Chase Saphire ( credit card ) Chase Bank ( atm/debit ), XXXX, cash app. All of my accounts were hacked and stolen from. 

I was restored and made whole by all except chase banking. 
From the instant I called Chase to file my claim I was met with rude and unwarranted assistance. 

The agent was annoyed that I called and was refused to help me document my claims. He rushed to push the claim without allowing context or taking adequate notes. 

The customer service agent conflated two separate occurrences into one. I had an incident occur in XXXX, XXXX that I referenced but that was only to provide clarity of the transactions and dates. 

What he did was compiled it into the assault and theft claims. This information was never brought to my attention. I was not contacted and there was no investigation outside of going off this one agents notes.

I contacted Chase many many times over and sent updated documents 3 different times costing me more money I did not have. I had no understanding and was provided no help. I was placed on hold and an agent thought they were muted, then I could hear them laughing and mocking me right before the call " randomly dropped ''. 

Recently - My claims were denied again without investigation and I was denied any further communication as though my money or the assault was unimportant. 



This incident happened between XXXX and XXXX in XXXX, MI. ( XXXX police claim number : # XXXX ) - contact number : XXXX. 


I filed a complaint with Chase and I'm hoping to get some support. I see many customers online have had similar issues like me. My hope is to be made whole and to stop the next person from being victimized by a powerful bank that can accept your money but not have the time of day to protect you. 

note : One agent said they sent a fraud alert notice to my phone and email but i did not have access to either of those tools because I was robbed and hacked. They would've known that had they contacted me or the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  submitted a delinquent account on my credit score which dropped my score 101 points. I contacted them to see why they did this to find out they thought i didn't turn in equipment. I let them know i did an the location i turned it into. They submitted a request to find. Said equipment they later found me not guilty of delinquent payments. On equipment an removed the charge on the account with them putting the amount at owed {$0.00} dollars paid. The issue is they didnt remove. The collection of my credit score. That they wrongfully submitted instead the submitted it on my credit score as paid down to {$0.00} dollars due to national disaster. I never had a national disaster. An i never owed them anything. So they need to remove the collection off my credit history. As a mistake on there part. Completely as wrongfully submitted. So i can get my 101 points put back on my credit score. Cause as long as its showing i had something in collections. It will negatively affect my score. XXXX XXXX XXXX is listed as : CBE group on my credit history