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

Security credit services sent my account to XXXX XXXX and XXXX for collection, the amount they sued me for was {$2200.00} after court the amount increased to {$3000.00} for attorney fees, court costs.. However I've paid on this account and my balance is {$400.00}, on my report is shows a balance of {$2300.00}. I have called them several times to fix my report, all they do is say you owe {$2300.00} and transfer me to XXXX  XXXX and XXXX, when I call them they tell me I don't owe that much and they don't report to the credit bureau and that I have to contact SCS, it just keeps going back and forth. every time I make a payment my balance should decrease and it hasn't. it stays the same. I sent a dispute to XXXX  on XX/XX/XXXX, they contacted Security credit services but they only reported {$50.00} what about the {$1800.00} I paid? if my balance started at XXXX how is it XXXX? especially with me making payments each month. I'm ready to pay this account off but i need accurate information on my report, this is hurting my credit score. I have receipts of payments and my balance. They need to fix this issue now or remove the account completely for reporting wrong information on my credit report. this is on all 3 credit reports, I need all my reports updated with correct information as soon as possible.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the XXXX Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

-Citibank Best Buy -XXXX 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 or other personal consumer reports

Dear CFPB Team, I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. 

In particular, XXXX XXXX XXXX has infringed upon my rights in accordance with : XXXX U.S.C. 1681 Section 602 ( a ) : which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 
Additionally, I do not recognize having an account with XXXX XXXX XXXX and have never opened an account with them. Therefore, this could potentially be a case of identity theft, in violation of 15 U.S.C. 1681 Section 605B, which provides protections for identity theft victims, including the blocking of fraudulent information from credit reports. 

I request that this matter be reviewed promptly, as these violations have adversely impacted my credit profile. I appreciate your assistance in ensuring that my rights are respected and that the necessary corrective actions are taken. 

Thank you for your attention to this issue. 

Sincerely,
Product: Credit card or prepaid card

I received a Debit Card from Frost Bank on XX/XX/2018 which I did not request. I contacted Frost Bank and they said an account had been opened on XXXX XX/XX/2018. No funds were deposited. I received a separate letter the same day regarding my request not to authorize and pay overdrafts. Regardless, I do not want/need a bank account or card from Frost Bank. A scan of both letters are attached ( XXXX XXXX - Frost Bank Card.pdf ).
Product: Student loan

On XX/XX/year>, the Department of Education contacted me via email that I would be in a group of XXXX students that would be receiving a complete discharge of my student loans and a refund on all applicable payments to my loan servicer. This was a part of the actions taken after finding that the XXXX XXXX and their parent company XXXX had defrauded students attending their for-profit colleges. 

I've called Nelnet on XX/XX/XXXX and XX/XX/XXXX looking for information about completing my discharge and sending a refund. I've received no addition communication from Nelnet about when any of this is supposed to take place. Each time I call, they say it's the department of education that will manage all of this. 

I've also called Federal student Aid to ask for more information. FSA has communicated to me that the loan services are the ones that now need to clear the debt and send information to the Fed for processing refunds. But Nelnet claims that they have no information about when any of this will happen and deflects responsibility.
Product: Credit reporting or other personal consumer reports

There are two different reports that Checkr provided to two different companys. The first was spark, Checkr reported my license status as suspended on XXXX. My license is active and not suspended. I went to the courthouse and requested a print out that shows my license as current and provided that to Checkr. 

Then today XX/XX/2024 I received an email stating that Checkr completed another background check and they are still reporting my license as suspended. So I called the DMV and they said that if they ran a check today and they are stating it is still showing suspended then I need to get a copy of that report because it is inaccurate. So even after I disputed this with Checkr on the XXXX they are still reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX gave me an extension on my loan due to Covid. I also changed my billing date from the XXXX of the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by Experian that XXXX put a marker on my credit and it took 122 points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( XXXX XXXX ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted XXXX XXXX, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

XXXX XXXX refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

Experian will not remove the 30 day past due indication. I have been unable to contact Experian further on the matter. 

I only want to have the adverse 30 day past due mark on my Experian report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that Experian would, but they will not discuss the matter ; XXXX XXXX also will not allow follow-up discussion with the dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX, XXXX on XXXX a balance of {$97000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumeXXXX XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.
Product: Mortgage

I am writing you to report a TILA/RESPA violation regarding Rocket Mortgage. Per the regulation see information below from CFPB webinar and the CFPB small entity guide no online application can require information other than  the 6 pi eces of information that constitutes an application.  Rocket  Mortgage asks me  all 6 pie ces of information and required more information without allowing me to continue to submit an application. I really hope that this is stopped because it is a violation and they are at a competitive advantage in setting their system up illegally. Pease see the screen shots and regulatory information provided below to support my findings.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the ongoing difficulties I have experienced while attempting to remove fraudulent items from my credit report. Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. 

Here is a summary of my unsuccessful attempts and the fraudulent items in question : I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. 
Upon discovering these fraudulent items, I promptly initiated a dispute with your organization by following the dispute resolution process provided on your website. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. 

To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. I have since made several follow-up attempts to dispute and rectify this situation by providing additional evidence, contacting your customer support, and seeking assistance from the relevant authorities. 

Regrettably, I have not received any meaningful resolution or assistance from your organization, despite my continuous efforts to correct this situation. This prolonged inaction is causing me significant financial and emotional distress. 

The presence of these fraudulent items on my credit report is damaging my financial reputation and hindering my ability to secure loans, credit, and housing. I have taken all necessary steps to report the fraudulent activities and provide evidence, yet these items persist in my credit file. 

I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. 

Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX Balance Owed : {$4400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to Experian over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that it would be deleted off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experien reflects a score of XXXX. XXXX and XXXX XXXX have not updated their information. There shouldnt be any debt collection accounts on my reports because the debts were a result of my employment with XXXX  XXXX XXXX, their XXXX XXXX  affiliated employees, and the trafficking that I suffered as a result. XXXX screamed at me saying that my credit was about to take a dive, while I was employed there. Theyre responsible for the Genocide charges that I added and theyre responsible for sanctions against the United States Government XXXX Im the reason why they passed the Debt Bondage Repair Act in the first place. Theyre not permitted to violate 42 USC 3631. Theyre also not permitted to violate 18 USC 246. Theyre are multiple acts of Congress and theyre using portions of my case with respect to my privacy in the Supreme Court Case United States Vs. Ciminelli. That includes the XXXX XXXX XXXX XXXX. They should have immediately wiped it instead of letting it continue.
Product: Mortgage

The mortgage company Specialized Loan Servicing LLC ( SLS ) took over my loan from XXXX in XXXX of XXXX. SLS has never sent a statement of what is owed on the loan or proof of payments received. They claim that because there is a bankruptcy ( discharged in XXXX ) on my credit history, they can not send any statements or information. XXXX sent statements throughout the bankruptcy with a disclaimer stating, " this is for informational purposes only ... '' Those statements showed payments received, escrow payments, principle and interest, etc. I have been told by 3 different representatives that SLS can not provide such statements. Are n't they required by law to keep me informed of my mortgage balance and payments received?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have been waiting for over five months to receive the return of my {$15000.00} from Truist, and the lack of resolution is both unacceptable and deeply concerning. Most recently, Truist contacted my personal bank, XXXX XXXX, to confirm that I initiated the {$15000.00} wire transfer. Once this confirmation was provided, I requested that Truist return the funds via wire transfer to the originating account, my personal checking account. Truist refused, stating that a check would have to be mailed instead. Despite my clear communication that these funds have been wrongfully held for months and are urgently needed, Truist declined to expedite the check, requiring me to wait an additional 15 business days for delivery.

Now, over 15 business days later, I still have not received the check. Truist is unable to provide a tracking or confirmation number to verify the check was even mailed. Although I was informed the check was supposedly sent on XX/XX/XXXX to the address on file, Truists inability to confirm this or provide evidence of the mailing suggests otherwise. Adding to this frustration, I have now been told that I would need to wait an additional 90 days before I could cancel the check and have a new one issued. 

I am incredibly frustrated by the lack of transparency, accountability, and urgency in resolving this matter. If this issue is not resolved immediately, I will have no choice but to pursue legal action to recover my funds and address the undue stress and inconvenience caused by this prolonged delay. This is an unacceptable delay. I can not and will not wait this long and will begin taking legal action immediately if this issue is not resolved.