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

I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the XXXX inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX
Product: Debt collection

An amount of money was sent to collections and the collections agency failed to notify me before it was sent to the crediting agency. I never spoke to any one over the phone from a collection agency. I was never notified in writing from a collection agency. I never received an email from a collection agency.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives : I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor Credit Acpt ( account number : XXXX ). 

Below are the specific issues I have identified : XXXX. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score.

2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated.

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, XXXX, and TransUnion ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I purchased Tomo credit to receive a credit card and credit booster for my credit report they ran a vip promotion where they sent me countless emails and I thought I give them a try since the purchase almost XXXX XXXX ago if not longer now I can not get into contact with anyone on the phone I have screenshots where in ther private portal no agents are available at any time of the day to receive questions or answers for customer service also they disconnected the Tomo credit card which was the whole reason I wanted this service on top of that the boost was supposed to give be a credit builder I have heard nothing or talked to no one and website needs update plus they send me email still as of I have not brought the product at this point I think this company is a scam and something needs to be done about it because they are scamming people of of there information as well as money and I am getting my refund back and letting you know about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance with a pressing issue regarding errors on my credit reports, as well as multiple accounts that have been reported to credit bureaus without my recognition or consent. Despite my best efforts to resolve these discrepancies, there has been no change to my credit reports, and I urgently require these inaccuracies to be expunged from my records. I am also in need of assistance with disputing these accounts with the individual companies involved. 

The details of the situation are as follows : XXXX XXXX- {$14000.00} ( Fraudulent Account ) : This account was opened fraudulently, and I have no association with it. It has been erroneously reported on my credit report, negatively impacting my credit score. 
XXXX XXXX XXXX - {$3000.00} ( Fraudulent Account ) : Similar to the previous account, this one was also opened fraudulently, and I have no knowledge or involvement with it. It has been inaccurately reported on my credit report. 
XXXX XXXX XXXX - {$5000.00} ( Fraudulent Account ) : This account, like the others, was opened fraudulently, and I have no affiliation with it. It is adversely affecting my credit profile without justification. 
XXXX XXXX - {$3800.00} ( Fraudulent Account ) : This account was opened fraudulently, and I am not the account holder. It has been inaccurately reported on my credit report, causing unwarranted damage to my credit history. 
XXXX XXXX XXXX - {$4900.00} ( Account Overdrawn due to Hacking ) : This account reflects an overdraft due to my account being hacked, leading to unauthorized transactions. I have already taken steps to address this issue with my bank, and it should not negatively impact my credit report. 
XXXX XXXX - {$5900.00} ( Paid in Full ) : This account was paid in full, and I have documentation to verify the payment. However, it is not accurately reflecting the resolved status on my credit report. 
I have made diligent efforts to dispute these errors with the credit reporting agencies, but regrettably, there has been no correction or resolution. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these inaccuracies and expunging the fraudulent accounts from my credit reports. 

Additionally, I seek guidance on the process for formally disputing these accounts with each of the individual companies involved. It is my hope that with the CFPB 's intervention, these discrepancies can be rectified promptly, and my credit reports can accurately reflect my financial history. 

I understand that personal information may be required for the companies to identify me and my accounts during the dispute process. Please let me know if and when this information is needed, and I will provide it promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving these credit report discrepancies and disputes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  XXXX XXXX # XXXX XX/XX/year> -- {$4800.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX
Product: Debt collection

I received a letter from Convergent Outsourcing , Inc. stating that I owe {$100.00} to XXXX. I explained that I do n't have a XXXX account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.
Product: Mortgage

I have constantly been contacting Mr. Cooper about my account issues beginning shortly after my first payment on XX/XX/XXXX. 

When I made my first mortgage payment, Mr. Cooper deducted the payment from my account twice. This unauthorized second deduction caused an overdraft in my account, and I contacted my bank to help resolve the issue as Mr. Cooper was non-responsive. Mr. Cooper would not promptly respond to my emails asking them for an explanation for my account issues ( why I had no payment due in XXXX ), the second unauthorized deduction, and the overdraft fee that they are wrongfully charging me ; instead, I receive vague responses after about two weeks, which is ridiculous. I have documentation of my emails to Mr. Cooper, as well as my bank 's resolution and proof that the payment was deducted twice. 

Here is my last email to Mr. Cooper Can Mr. Cooper please reconsider and reverse the fee? I didn't willfully make a second payment, which is why I sought out a dispute. I hope Mr. Cooper considers the impact that such fees have on buyers. 

There seems to be a misunderstanding of what happened. 

My first payment was posted on XXXX, and the second erroneous payment was posted on XXXX. The insufficient funds fee should be waived because the second deduction should never have been made in the first place. This payment was not made by me and was somehow made in error. 

The fee exists because somehow, payment was taken from my account twice. I inquired as to why I did not have a payment until XXXX as I knew one would be due in XXXX, and nobody could give me an answer. To my surprise, I discovered the payment was taken from my account, and I did not authorize this action. 

The payment that was reversed was an unauthorized payment posted on XX/XX/XXXX that was somehow taken from my account. I ask Mr. Cooper to please explain why the second payment was made on XXXX when the payment posted on XXXX went through in full? 

Can Mr. Cooper please consider reversing the insufficient fund 's fee?
Product: Checking or savings account

There was a fraudulent {$300.00} XXXX payment from my account which I described to Chase this afternoon, and the agent asked several questions but said the reversal was not guaranteed. I explained it was a fraudulent scam but the agent said again not guaranteed even when I said this money I can not afford to lose and gave the explanation that even XXXX company said the recipient of money was a fraudulent party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is closed on my XXXX  and XXXX  report, but XXXX  keep the account open Due to Credit Acceptance lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.
Product: Credit card

On XXXX XXXX XXXX  I thought I was paying my XXXX card XXXX. By mistake I sent the money to American Express ( who used to manage credit for XXXX ). Only because I have a present account with American Express would American Express talk to me. They confirmed they have received a check for the amount I had sent from my bank. I have the PROOF OF PAYMENT from my bank. They concur the money was sent to American Express. After American Express confirmed they had the check they had to open an " investigation '' and a " dispute. '' It is thirty days and though they said they have a resolution but can't tell me what it is. Only a very limited number of people in the " back-end '' know the answer and I can't talk to any of them. This is my money, {$570.00}. If I were late by a cent for a credit card bill I would be hit for interest for the entire amount of the bill not the XXXX late cent. I have been without my {$570.00} for a month, I doubt I will be receiving interest on it. I am frustrated and angered by the XXXX and treatment. If they know the money isn't theirs aren't they obligated to return it? How long can they keep the money that isn't theirs?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the 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 XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

New American Funding account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the New American Funding account ( Account Number : XXXX ). The report lists a balance of {$160000.00}, balance updated on XX/XX/XXXX, original balance of {$160000.00}, paid off 4 %, {$1200.00} monthly payment, account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, status updated XX/XX/XXXX, account type FHA Mortgage, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Product: Debt collection

In XXXX/XX/XX/2019, not sure of the exact date. I called and spoke to the law office that was assigned by National Credit Systems for a XXXX XXXX account. When i called in the representative for the law office provided account details and tried to collect on this debt before they provided the mini miranda which is required by law. It wasnt until i mentioned this about 5 mins into the call where they tried to recite it. They stated many times " Good Luck with your housing '' knowing this was on my credit .... Due to the Violation of the FDCPA by not reciting the Mini Miranda. They need to close and remove this account from all three of the credit bureaus.
Product: Checking or savings account

Over a six week period beginning in XX/XX/2023, numerous eWithdrawals made totaling {$3100.00}. Noticed the problem and informed Wells Fargo on XX/XX/XXXX and submitted fraud reports by telephone. Claim for {$2400.00}. 

Two more fraudulent withdrawals were made following my reports, and I submitted a claim for these. Claim for {$700.00}. 
Wells Fargo Fraud claims department said that they would handle things by the end of today XX/XX/2023. 
Today ( XX/XX/XXXX ) I learned that Wells Fargo has denied the claims. I had to telephone to discover this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information.I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Product: Student loan

I call Mohela daily ; however, there is no urgency to get my student loans forgiven due to PSLF.
Product: Credit reporting

The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with XXXX and Transunion. 
** XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with disrespect and very harsh, without giving me a chance. 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE!
Product: Student loan

EdFinancial has not applied two payments I made on XX/XX/2023 ( see other complaint about that ). They admit they got the money on XX/XX/XXXX, but can't seem to post my payments and can't tell me when they will post these payments.

Unfortunately they have now issued me an incorrect 1098T showing interest paid from only one payment not the three payments I've made in XXXX.

Called to request they correct but just this morning I got email saying they issued my 1098T. It's still wrong. 
How can I file my taxes This is completely messed up Please do something
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the status is inaccurate, the count of late payments is inaccurate, the high balance is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under XXXX 1681 section 602 A. States I have the right to privacy.

15 US C 1631 Section 604 A Section 2 : It also states e consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting or other personal consumer reports

There are inquiries on my Credit Report that i didnt consent to. from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of America ). I did not consent to these inquires. I ask that they're removed from my credit report.