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

Background : My wife and I filed for chapter XXXX bankruptcy in XXXX. Meeting of creditors was XX/XX/XXXX. In XXXX of XXXX, we petitioned to convert to a XXXX due to income changes. We converted back to a XXXX in XX/XX/XXXX after my income went up due to a new job. It should also be noted that I have an auto loan through XXXX that is paid outside of the Plan and all payments have been on time ( as accurately reported on the credit report by XXXX ) Issue : I had an unsecured credit line with XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX XXXX ) included in the bankruptcy. Starting in XXXX of XXXX ( after the XXXX meeting concluded ) XXXX began reporting the account as late/delinquent, though they were receiving distributions from the trustee and my payments were all on time. Additionally, the account is reporting 'open ', instead of 'included in bankruptcy '. I filed disputes with all 3 credit bureaus, twice, disputing both the delinquent payments and account status. XXXX has refused to make any changes. None of the other creditors included in the bankruptcy are reporting the accounts as past due or open. 

The new job I started in XX/XX/XXXX requires that I relocate. I am applying for a mortgage loan ( provided I meet all the criteria and am approved by the bankruptcy judge ). The incorrect reporting filed by XXXX is harming me by lowering my credit score hindering my ability to obtain approval for an FHA mortgage I otherwise should qualify for.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XX/XX/XXXX
Product: Debt collection

I keep getting calls from Wells Fargo during my work hours, at my job. I know I owe them money, but to bother me at work is excessive. Make them stop calling my job!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with XXXX XXXX XXXX on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX balance. I spoke with the folks at Equifax and they refused to allow me to submit a dispute. So, I have issues with both XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Financed a vehicle through XXXX XXXX XXXX. the Loan was completely paid off in XX/XX/XXXX and account was closed..Experian is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to XXXX and they told me that they are not reporting that status to Experian. 
XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer 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 bank account opened at XXXX XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I will also list hard inquiries, addresses, and names in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

Hard Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned names, accounts, collections, and hard inquiries as reported. The aforementioned names, accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by be. All of the aforementioned names, 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 credit report names, accounts, collections, and hard Inquiries are the result of identity theft and fraud.
Product: Student loan

I would like to ask you what are the options or steps that I could do to get results from the a company that supposedly reduced or eliminated the interest fees and charges of my student loan. 
I enrolled in their program in good faith XX/XX/2015, the asking fee were automatically debited from my account and yet they did not deliver the results they promised. My loan was just being deferred and interest charges are soaring. 
I have not received any payment booklet as well. XXXX representatives handled my account yet no results was granted. Now it is being handled by the director but all she has given me is a round around. The person 's name and company name is : XXXX XXXX XXXX Director of Operations Emerg : XXXX XXXX XXXX USA STUDENT LOANS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up XXXX 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: Student loan

I have private loans as a cosigner with Navient. I am retired and they make me pay {$400.00} a month barely able to make it and now they want to raise my payment by {$200.00}. I have tried to come to a deal with them but every time I send papers and call them with my proof I have, they tell me they never received my papers by fax. I get multiple letters threatening me if I do n't pay and multiple phone calls by them. I have tried talking to them over and over and nothing helps. As for my daughter they did the same to her always saying they never got the papers we sent to try and get into the income based repayment program even telling us we failed to get in because we did not submit the paperwork on time even though we had fax papers proving we did. This was after multiple times they only offered my daughter the ability of forbearance and not income based which we later found out about. They also threatened me for XXXX of my loans if I did not pay they would put a lien on my house and they told me to pay using certain credit cards I had. Info I never gave them access to. They forced me to pay {$5000.00} and I would be fine. Then I get a call I have to pay {$300.00} for another loan even though I was told once I paid the XXXX I would be ok only to find out that it only applied to that loan. On top of that as we went through this whole ordeal the loan doubled and tripled from its original amount and its ridiculous you ca n't find someone to work with and the deal for XXXX is only for 15 months then for my XXXX other loans I got a letter stating that I agreed to a three pay forbearance option which I never agreed to that part and never even heard of a three pay forbearance program before till I got a letter stating the deal for the XXXX that I had to constantly call in order to receive the letter as proof I did pay the XXXX. It is not justified that the loans are increasing based on navient not cooperating with me and my daughter. The loans now cost more then my house. I want a resolution in which my loan balance is what it should be and not triple what it is now when I have done everything to work with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or itemsXX/XX/XXXX XXXX 1. Provide me with all documentation used to verify the accuracy of the disputed information. 
2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

Talked to XXXX after I saw my XXXX credit score dropped XXXX points, which disqualifies me from getting a mortage I urgently need. I am forced to either buy the house I leave in or evacuate the premises with XXXX children by XX/XX/2023. 

XXXX explained to me what triggered this, which make my credit score below XXXX which I urgently need to apply for a mortgage. 

There were 2 hard enquiries on my credit score check that I was not aware of and that I never authorised with institutions I did not contact 1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX : XXXX XX/XX/ Please help me asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Credit card

A XXXX XXXX XXXX XXXXXXXX, charged my credit card with XXXX unauthorized charges. No notice or receipt for these charges was ever sent out as was the case for previous legitimate charges. Details are provided in the attached documents. XXXX refunded XXXX of the charges, and promised to send the XXXX refund by mail but never did. On the day they credited the refund, XXXX also initiated a XXXX unauthorized charge. They did not respond to further communications. 

I disputed the XXXX un-refunded charges, dated XX/XX/year> and XX/XX/year> to the credit card provider Discover. Discover records will show that all XXXX charges were disputed due to their initial incorrect entry of the dispute. The XXXX refunded charges were correctly charged back to my account, while XXXX of the other XXXX was resolved in my favor and the other ( inconsistently ) in the vendor 's favor. In resolving in the vendor 's favor, the only reason provided was : " we attempted to obtain transaction records from the merchant. We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid. '' Discover neither met their obligation imposed by 15 USC 1643 ( b ) to show that use was authorized nor did they address/demonstrate that the conditions of liability described in 15 USC 1643 ( a ) were met.

While I believe the actions of XXXX  are potentially XXXX, I am also concerned that Discover may be attempting to recover inappropriate charges from their cardholders that they are unable to recover form the vendor. I believe they must have sufficient internal record to know that there is a problem with the vendor, as documented by the many complaints that can be found by XXXX  " XXXX  fraud ''
Product: Checking or savings account

Today I opened my XXXX  checking account on the website and for my surprise I did see an unauthorized withdrawal {$350.00} from Bank of America even though they have not contacted me in any way. This is ridiculous and abusive proceeding. I paid the minimum amount ( {$70.00} ) because my credit card account with that bank is on dispute mode and they still havent answered me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They told me someone opened an account using my information but different addresses.
Product: Debt collection

XX/XX/XXXX - XX/XX/XXXX Notified agency that I have know knowledge of the account. Instead of asking me to verify they updated the account to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be deleted : WILSHIRE CONSUMER CRED XXXX Open Date XX/XX/2014 Balance : Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, the client paid me {$1800.00}, and Square froze my account for 90 days, promising to release it to me within XXXX working days after XX/XX/year>. However, Square did not fulfill its promise and continued to freeze my funds. I contacted Square company, but they refused to help me. I request Square to unfreeze my account balance as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to remove the fraudulent items off of my Credit File. My credit report appears to have been corrupted. I was looking over my records once more when I discovered a lot of information, accounts, or other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Please get rid of the following things as soon as you can : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX XXXX Balance : {$460.00} XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. I will need all paperwork bearing my signature if you think there's a chance these accounts might be mine. Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Thus, abide with the law so that this situation can be resolved quickly.
Product: Money transfer, virtual currency, or money service

I previously had a Coinbase account, where I would invest money. The account has locked me out, forced me to withdraw my funds, and will not allow me to re-create my account. It says I was in violations of XXXX. XXXX has referred me to this complaint process to remove my name from whatever list I would put on so I can create an account.
Product: Bank account or service

USAA Bank is taking my XXXX wife 's Social Security be'tnefits to cure a debt they claim she owes from an account she held individually. the benefits the are attaching are direct deposited to an account she ca n't touch, I, her husband am her Repersentative Payee, the title of the account is XXXX XXXX, Representative Payee for XXXX XXXX. so not only is USAA unwilling to listen when I tell them they can not attach social security benefits to cure the debt they say she owes, they are also taking from an account that was designed to protect the finances of a person unable to manage their own, which is my case. My wife can not handle her own money, I pay her obligations and allocate funds to her so she cant get herselfin trouble. USAA 's resolution executives refuse to listen when they are informed they can not take her benefits that are direct deposited to her representative payee account to cure a debt from her individual account, please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has put a credit alert on my account. I have asked for it to be removed 5 times. They have also not updated my phone number as requested twice. My credit is on lockdown and I am suffering. I want the alert removed and number updated
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, XXXX XXXX, XXXX, and Equifax any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy.

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates.

15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers
Product: Credit card

Someone tried to open a Chase Freedom Credit card using my Information on XX/XX/2023. This also happened in XXXX as well. The card was declined. I received a notice that my credit was pulled from experian and chase the next day. I called both Chase and XXXX to report the fraud.