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

XXXX XXXX I notified our mortgage company XXXX XXXX  that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call equifax since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using equifax for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at XXXX telling me that they have fixed everything on their end and that credit report will go out to equifax on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at XXXX tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at XXXX told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you
Product: Credit card or prepaid card

PenFed denied me for a credit card. I have a XXXX credit score, they said because i have applied too many times, their site was kicking back my login several times, and I thought it was not taking my application, so I continued trying to apply due to this technology hicup, i only was trying to apply one time. I dispute their decision based on me applying to many times.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became XXXX from an XXXX in XXXX of XXXX and had to obtain several in-home XXXX for XXXX  months. My XXXX  and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint to notify you that the 3 credit bureaus have engaged in unfair practices by providing inaccurate and misleading information. For that, I am filing a case against the 3 credit bureaus for vioalations of the Fair Credit Reporting Act or FCRA Section 605b. My accounts privacy has caused several emotional distress when I found those accounts that are still reported on my account. Kindly help me investighate this issue and these following accounts should be corrected immediately : XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$7900.00} XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$470.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Charge off XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX {$790.00} Late/Closed XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$9900.00} Charge Off New Added : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX {$270.00} Collection XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$220.00} Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear ''CFPB '', Its been well over 30 days and I haven't receive any results regarding my dispute with Equifax.I will attach a copy of my disputer my letter and my 30 day demand letter that was sent XX/XX/2020 and XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a dispute pending with Transunion and for some odd reason they have placed me in the priority department that has no direct number and when I leave a message multiple times they do n't return my call. If I 'm not mistaken its illegal to have a department without a number. Not to mention I have multiple inquires on my account that I did n't not authorize at all. I would like these inquires removed immediately. No one from the overseas call center or the United States call center has been able to assist because my file is locked. This is very frustrating because the inquires are a result of someone using my name. Transunion told me I have to contact the creditor and that 's FALSE according to the FCRA. The must provide me proof that I authorized these inquiries. I do n't want a computer generated answer back either. I 'm tired of wasting money on certified letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX [ Date ] XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agency, I am writing to formally dispute the following inaccuracies on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). My full name is XXXX XXXX, and my date of birth is XX/XX/year>. My address is XXXX XXXX XXXX, XXXX, PA XXXX. The following accounts are being reported incorrectly, and I request that they be investigated and removed from my credit profile within 30 days : XXXX XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX  ( Account Number : XXXX ) - Collection/Chargeoff I believe these accounts are inaccurate and do not belong to me. I have attached any supporting documentation that may assist in your investigation. Under the FCRA, I am entitled to a complete investigation of my dispute, and I request a written response detailing the outcome of your investigation. Please ensure that these inaccuracies are promptly corrected or removed from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX  and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.
Product: Debt collection

I was attending a XXXX XXXX a few years back, not to sure of the exact year, the school was XXXX XXXX, I attended in XXXX, Nj. They had some problems with the institution and was shut down. Pressler law firm took over and now sueing students that attended there for {$11000.00}.
Product: Credit reporting or other personal consumer reports

There are driving records that are not mine. I wasnt able to get my license until XX/XX/year>. There is an eviction or a judgment not an eviction on my background of property damage not mine never did I live anywhere that was destroyed. I never hit a property in a car accident. I was never in a car accident as an adult, and none of these incidents were their ID given, nor was their court dates. Its like there was judgments for these people that got in trouble and use my name but never arrested or convicted. Maybe given a court date an never showed because they couldnt prove they were me. Or maybe did use my ID or social without ID a medical card I dont know but it wasnt me. I cant work certain jobs, I cant get places to live & XXXX having a hard time building credit an it scares me now. But I have to get a safe place for my children an myself. The only places IVE ever lived was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( which I was XX/XX/XXXX) and XXXX XXXX in XXXX a where I live now which is XXXX XXXX XXXX in XXXX. My ex or the woman he was cheating with that I have an active protection from abuse order on most likely did it before XX/XX/XXXX at XXXX XXXX XXXX an if you XXXX MY NAME YOU WILL SEE IT!! So anything criminal or driving situations or property damage anything IS NOT ME!! Im aXX/XX/XXXXan a XX/XX/XXXX! I need a new house an Im trying to buy plus I need a new car now an my credit reportings hinder me from everything and its not fair nor right yall should confirm over video and in person before you put something on someones credit its not right and Im fighting us and Im about to get a lawyer cause Im tired of not being able to live my life, but all these false information reportings on my background!!!! XXXX XXXX IS NOT ANYTHING THIS REPORTERS ARE REPORTING!!
Product: Payday loan, title loan, or personal loan

I have been trying to cancel this account and completely remove my information since XX/XX/2022! They will not remove my information! They continue to charge me monthly for these services! This is so so horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have an open investigation due to identity theft from the XXXX data breach and they ( the CRA 's ) stated it will take 60 days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take 60 days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.
Product: Payday loan, title loan, or personal loan

I have a {$1000.00} loan with XXXX XXXX XXXX that was initiated on XX/XX/2019, with my first payment being made on XX/XX/XXXX. The payments are extremely high and extremely frequent. They call it an installment loan but in effect it is a payday loan that circumvents the California {$250.00} limit on payday loans because they are a XXXX XXXX XXXX. However, they still collect payments on paydays rather than monthly. At the start of the repayment plan, each payment every 2 weeks surpasses {$300.00}. I knew this when I accepted the loan and knew money would be tight however I'm reaching a point where payments of this frequency are going to cripple me. I've had to miss work to get dental work done. A monthly payment at a lower amount would be much more manageable for my current financial situation. Otherwise I don't know what's going to happen in the next month. These payments could spiral me into inescapable debt, largely due to the biweekly collections resulting in over $ XXXX/month due. I simply can't afford this right now, but I want to avoid defaulting. I don't want to be in a situation where I'm taking out further loans just to pay this one loan back. I need help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My problems all started when my wife and I needed more money than we had originally borrowed on a home equity loan. We applied for the new home equity in XXXX of 2021. We originally borrowed {$40000.00}. We asked for {$55000.00} on the new one, so they closed out the one for {$40000.00} and created a new loan. Instead of closing out the home equity loan they closed out my original mortgage. They took the money from the home equity loan to pay off the home mortgage. While all this was going on they were switching the mortgage payments over to XXXX XXXX  XXXX XXXX I paid my mortgage in XXXX and XXXX for {$590.00}. They closed out the account in XXXX. There was also payments made on the Home Equity loan for {$400.00} for XXXX and XXXX. I also sent the bank {$2000.00}. I was sent some documents form the XXXX, NY office of changing my interest rates on both loans to make up for their mistake. They were going to change the mortgage to 2.5 % and the home equity to 3.125 %. They were also suppose to take out my mortgage and home equity out of checking accounts with XXXX XXXX  and Berkshire Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is Experian going to be held liable for reporting false information?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX -BALANCE {$7700.00} Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent requests to XXXX, Equifax and XXXX in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address of XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports
Product: Credit reporting or other personal consumer reports

From XXXX XXXX these has been a hard inquiry that is in accurate on my report XX/XX/XXXX for the amount of XXXX these are hard inquiries I did not authorize XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for the amount of XXXX in accurate /hard inquiry I did not authorize XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are unauthorize inquiries and would like them to be remove from my credit report they are affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I noticed the following medical collection accounts : - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018180 day grace period was not applied as required by S.2592 - Medical Debt Relief Act of 2016. Also, a few of the collections appear multiple times. Please physically verify this information pursuant to FCRA section 611.
Product: Credit card

I believe PayPal is a fraud. They do not have accurate reporting on their web site. They they slap you with huge finance charges even when the web site says nothing is due. They blame it on the fact that there are XXXX companies XXXX and PayPal Credit but it is XXXX company. They do not allow any grace period One day nothing is due on their wb site and the next day you are overdue. If you pay that same day by XXXX they say there is no grace period. That is against the rules of the California Consumer Protection ACT but they do n't seem to realize I live in CA. So I stopped paying PayPal and watched the balance double every month. When they finally called one day I told them why I was not paying their charges. They said they would remove all finance charges and late fees but there was still a balance due of {$38.00}. There was no balance due. That payment was purely extortion. My bank XXXX is a large insurance company and they did not want to audit PayPal. If they had requested an audit of the charges they would have realized that it was pure extortion. If you request and audit of that XXXX dollars it would be revealing. There was XXXX balance due. Thanks for all your help. -- XXXX
Product: Credit card or prepaid card

This is a further issue with an already existing complaint. That number is XXXX. I just received another letter that restates the already obvious position of Chase Bank. They have contradicted previous statements, and apparently did no due diligence. Every time I have called, the representative said that I had met all of the criteria, and that the 5 % should and would be automatic. They have lied to me and repeatedly used the same loophole, which I have caught, and have been compliant with since XXXX, 2019. Their issue was that I did not pay for my Amazon membership with the Chase credit card. That is incorrect, and easily verifiable. I did pay for the Amazon membership with the Chase credit card since XXXX of 2019. There was no lapse in my membership and i have never missed a payment to either organization. I will include their most recent denial letter, which I received in the mail yesterday.
Product: Money transfer, virtual currency, or money service

Its fraud company name is wise transfer i will made account in this application and i will pay XXXX usd of debit card payment and XXXX $ in my account but this company deactivate my account without my permission and I still haven't got my funds back yet they gave me 30 days time and I have not received my fund till now nor have I received any email from him.
Product: Mortgage

I made a monthly mortgage payment when in XXXX IL at the USbank branch on XXXX XXXX, on XXXX XXXX for XXXX paymentthey ship the payments off to a center and I have been getting calls fromtheir collection area since the right and left hand do n't know what they are ddoing. XXXX the mgr at this branch ca n't not get an answer either. I havea receipt of this deposit. 
thanks for contacting them to find out where my payment is and why ithas not been processed. It is hurting my credit and will cause issues soon. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an XXXX account on my transunion report that was sold to XXXX XXXX XXXX  that was opened XX/XX/2018 that doesn't belong to me. I don't know who's it is i always had XXXX XXXX.I tried to fix the issue in the store i gotten nowhere. my last resort will be legal actions if its not removed from my report
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw incorrect accounts on my credit report tonight. I've been regularly checking my report, but this time, there were unexpected discrepancies. I even refreshed my browser hoping it was just a glitch, but nothing changed. The inaccurate accounts were still there. This is really concerning, and Im asking that the documents I submitted be carefully reviewed so I can stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is sending mail to the wrong address that has been closed since XX/XX/XXXX. Why they are doing this when they have my correct address clearly on file, is beyond me. I never authorized them to send mail to any invalid address. When the forwarding is expired the mail will be returned right back to them. So they can either fix it or keep sending it to the wrong address. Should they keep that up their excuses will not be accepted. See all attached especially the address listed from my report recently run on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect on credit profile