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

Experian has allowed an energy company call XXXX XXXX to put XXXX accounts on my report the suspicion is with in months XXXX account was put on my credit file open on XXXX and on my account within months the second one was open in XXXX of this year also and put on my credit report in XX/XX/2022 usually it takes longer for accounts to get put on the credit report as delinquent I feel experian is not doing enough to protect my credit they have services you have to pay for I feel like they are purposely putting fake and inaccurate information on my credit report to get me to purchase their products and services I had to file a police report against XXXX XXXX now I have to send in a copy to all three XXXX in order to resolve this XXXX asking that yall look into experian and make sure they are doing everything they are supposed to do to keep their customers information safe I just dont feel they are and I feel like they are the culprit messing with my credit file
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX  logging on to website the program printed legal name incorrectly for ad software to credit marketplace. I can not access credit marketplace from program. I complain a bad XXXX  or XXXX XXXX XXXX XXXX without a XXXX  is using power against company to force errors by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report for an account listed under XXXX XXXX XXXX that I do not recognize and did not authorize. 

Disputed Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Source : Reported as from XXXX XXXX XXXXXXXX XXXX  Status : Collection account ( Collection account, {$480.00} past due as of XXXX XXXX  ; Date Opened : XXXX XXXX XXXX  ; Status updated XXXX XXXX ; Original Balance {$480.00} ; Terms : 1 Month ; Individual responsibility ) I have no association with this account. In accordance with 15 U.S.C. 1681i, I request an immediate investigation. If the information can not be verified as mine, it must be removed from my credit file. Additionally, the furnishers obligation under 15 U.S.C. 1681s2 to report only accurate information requires that this erroneous entry be deleted. 

Please confirm the results of your investigation in writing. I have attached relevant pages of my credit report and my identification for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

It started on XX/XX/2019 I initially sent in a letter to Equifax challenging incorrect names and addresses misplaced upon my credit report. To follow up on XX/XX/2019 I sent my FTC identity notice and identity theft report in regards to fraudulent names, addresses, and inquiries. I received multiple responses from Equifax claiming to have deleted said names and addresses as well as inquiries. I have pulled an updated report and such addresses are still reporting and showing on my credit report even after receiving documentation on XX/XX/2019 and XX/XX/2019 that said addresses have been deleted and credit report updated. This is/was a false statement because these fraudulent addresses are still reporting and attached to my credit report. The addresses inaccurately reporting and do not belong to me and or related to me are ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) ( XXXX XXXX XXXX XXXX XXXX, FL XXXX )
Product: Mortgage

I purchased a home in XXXX and had a first and second mortgage through XXXX. The loan ( s ) were sold in XXXX and I continued making payments to the new servicer. I assumed that the loans went to the same servicer since I did not receive notice otherwise. 
Last year I tried to get a HELOC and title showed the second loan. 
After much back and forth, I discovered it had transferred hands several times ( with no notice ). 
The servicer is now LOANCARE. I was able to speak to them directly to confirm they had the loan. When I spoke to them I told them that I wanted an accounting of the loan dating back to XXXX when XXXX sold it since I have never heard from anyone since then and I want to be sure the balance is correct and no fees have been applied from this gross mishandling of this loan. 
I have not heard anything. I was told they would look into it and it has been months. 
This loan has been mishandled for 13 years and it's holding me hostage from doing anything with my property. 
Anything less than a complete and forensic accounting of the loan dating back to XXXX is not acceptable to me. 
I should not have to beg a creditor to verify a debt and on top of that receive no communication or update. 
Please see attached communication from XXXX ( who had the loan before LoanCare ).
Product: Checking or savings account

I was on a XXXX  tour in XXXX on XXXX XXXX and there was a little tequila shop and we wanted to buy two bottles of tequila to bring back with us and when we purchased the items we paid supposedly XXXX pesos however the charges to my account were US {$500.00}. 
I have reached out to the bank and let them know what happened, and without any further information, they simply denied the claim. Ive tried to look up the store and XXXXXXXX XXXX doesnt have anything. I have reached out to the XXXX XXXX XXXXnd they dont know what the company is supposedly as well as reached out to an attorney, but they cant find anything. I even looked up the vendor that shows up on my checking account and theres nothing.
Product: Credit reporting or other personal consumer reports

Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? 
So, my question is what can be done about this, I did call Yesterday XXXX, XXXX which was changed from SANTANDER at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for XXXX years, what kind of craziness is this? 
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name SANTANDER is what is being shown on our Credit Report, even through they have sold out to another company .... 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX    XXXX . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law. Account should be closed and show  XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that an alert was on my credit report today XX/XX/22. Someone opened a inquiry and credit card for CBNA/ THD ( Home depot ) today XX/XX/22. I called XXXX to dispute and they placed a fraud alert on my credit. Then I called Home Depot credit services to dispute and make them aware. They stated whoever did it used a different address to open a credit card using my name and social today but it did not have any charges on the card as of yet. They cancelled the card immediately and changed my address so they do not receive any further information in regards to the card or my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute Report for Negative Account Account Details : * Creditor XXXX XXXX XXXX XXXX XXXX Reported Date : XXXX XXXX XXXX XXXX Open Balance : {$400.00} * Opened : XX/XX/year> ( 7 months ago ) * Account Status : Open * Original Creditor XXXX XXXX XXXX XXXX  * Remarks : Dispute resolved; reported by grantor Dispute Summary : I am disputing the accuracy of the account listed under XXXX XXXX XXXX  due to the following reasons : 1. Doctrine of Estoppel by Silence : Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, if a creditor has not supplied proof of the alleged debt when requested, it may be presumed that no proof of the debt exists. In this case, I have not been provided with adequate documentation or proof of the alleged debt. Consequently, it should be presumed that no valid debt exists, and thus this account should be removed.

2. Failure to Provide Proof : Under 15 U.S.C. 1681e, creditors are required to provide accurate and complete information regarding the debts they report. Since I have not been supplied with proof or documentation verifying the validity of this debt, this account does not meet the requirements set forth under this statute.

Request for Action : I request the removal of this account from my credit report due to the following reasons : * Lack of Proof : The creditor has not provided proof of the alleged debt.

* Inaccuracy : The account fails to meet the requirements for accurate reporting under 15 U.S.C. 1681e.

* Presumption of Non-Existence : Based on the doctrine of estoppel by silence, it is presumed that no valid debt exists. 
Please investigate this matter and update or remove the account as necessary to reflect this information. 

Given the lack of resolution and your failure to provide the necessary proof of investigation, I will be initiating a claim in small claims court against your agency for the following : 1. **Compensation for Damages : ** For the negative impact these inaccuracies have had on my credit score and financial well-being.2. **Legal Fees : ** Any associated costs incurred due to this dispute.

You have 15 days from the receipt of this letter to address these issues, remove the inaccurate accounts, and provide a written confirmation of the corrections made. Failure to comply will result in legal action. 
Please consider this a final opportunity to rectify this matter before I proceed with legal claims. I expect a prompt and satisfactory resolution. 
Sincerely,
Product: Credit card or prepaid card

I went on a trip with family XXXX XXXX until XX/XX/XXXX and vacationed at XXXX XXXX XXXX XXXX XXXX. Upon checking in, per the hotel policy, they would authorize my card for the full amount of the reservation ( {$1900.00} ) and at check out I can choose to pay with cash or use the card on file. Well at checkout I paid with cash and was provided a receipt stating so. After about a day or so, I noticed that the amount of {$1900.00} was no longer pending in my " Current '' cards transaction and it changed to a normal purchase. Assuming it was the fault of the hotel i contacted the XXXX XXXX XXXX XXXX XXXX XXXX in regards to the " authorization hold '' and they said that sometimes it can take up to 3-7 business days for the charge to disappear. I waited the full estimated 3-7 business days and per the hotel, the authorization had been released and the offered to email me the receipt of my stay which states cash and stated that there is no longer anything else to do on my their end. Before disputing the charge i contacted " Current  '' about the transaction and asked if there may be an additional delay on receiving back the " authorized '' amount. Even after telling them that i spoke with the merchant they told me to contact the merchant again. so i did so. Got in touch with the corporate office after a few days and again received the response that the amount had been released and should already be available to me. i contacted " Current  '' again about the merchants response and i received a disconnected chat! they have no answering service to speak with someone unfortuanetly. i contacted them again and was directed to file a dispute. I filed the dispute on XX/XX/2020. waited a few days and then checked with " Current '' for an update, they stated that a dispute can take up to 90 days and with 10 business days i MAY receive a temporary credit. Lastly, submit any supporting documentation. I submitted that documentation on the same day which was XX/XX/XXXX. I have waited the full 90 days and still NO response. i have been contacting them for the past few days and they say they dont have an update on my dispute even though it is past the required time to have a dispute resolved. We are now at 110 days AFTER filing the dispute i have provided my receipt and still have no refund and i am reporting this company for theft of my money or failure to communicate any dispute results with me. The amount of my dispute is {$1900.00}. 

XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Checking or savings account

No actions have been taken. I have been an employee for 21 years, I am being charged for my checking and savings account. I have been charged an {$8.00} fee for at least 20 years on both accounts. I started uploading docs but it is just too much. Please review your records.
Product: Checking or savings account

I started a new job and realized now that I received a phishing email from the boss. I paid him for gift cards for clients worth {$500.00} through XXXX the money is still processing and I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Place a call to Transunion, also mailed Transunion and this is my second CFPB complaint regarding inaccuracies being furnished on my credit report that need to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All incorrect address that are not XXXXXXXX XXXX XXXX XXXX, PA XXXX, all invalid phone numbers that are not ( XXXX ) XXXX XXXX, all incorrect employers that are not ( XXXX XXXX XXXX XXXX  XXXX XXXX, a collection account : XXXX XXXXXXXX XXXX, I was advised these items would be deleted in four days, I was also told that a dispute was not filed but a request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Transunion is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charge off accounts, collection accounts, incorrect reported invalid addresses, employers, phone numbers, incorrect spelling of names, to be removed from my credit report per federal law. I can provide the confirmations numbers from the call as well as recordings, not only are these companies violating our rights they are lying in our faces!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into Experian and submitted some disputes, the rep at Experian claimed he couldn't see some of the information that I was talking about. There seems to be something going on with Experian 's system, as I have reviewed paper copies of my report vs online copies and the information isn't matching. This is causing me some issues, and I wonder if this is happening on a larger scale?
Product: Credit card

I have XXXX accounts with Synchrony, a Synchrony XXXX  credit card, a Care Credit Card, a Verizon XXXX card and had a Tire discounters card. I have never missed a payment and have also use large payments to pay down the debt. They closed my XXXX XXXX  card without any notification and when I called an requested a reason they stated my credit score had changed so they closed the account. I have made multiple large payments on the other cards to reduce the balance and increase my available credit ratio, after I made the large payments, the company reduced my available limit to {$10.00} above my new balance, making the ration skyrocket to 98 % utilization. ( Maxed the cards out. ) This happened on both the Care Credit account and the Synchrony XXXX  account. 

I called and requested an reason for all of the actions and the customer service rep stated there was a change in my credit score and that is why the card was closed and the other two were reduced. I asked for specific reasons and was told to reach out to the credit reporting agency. I did not authorize them to run my credit or to increase my limits.
Product: Credit card

On XX/XX/XXXX, I received a bunch of spam marketing emails. As I was clearing through them, I noticed a hotel booking confirmation for XXXX. 
It was a hotel booking at the XXXX XXXX XXXX XXXX And XXXX XXXX XXXX for {$500.00}. I did not make this purchase. It still had my name and contact info on the reservation. 

I called XXXX to tell them I did not make this purchase. They told me they could not cancel the reservation since it was a prepaid, same-day reservation and the credit card charged to it was already billed and the hotel was paid. 

So on XX/XX/XXXX, I called Chase to report a fraudulent transaction. The Chase agent told me the charge was made to a card ending in XXXX  XXXX a card number I cancelled in XX/XX/XXXX due to attempted fraudulent attempts. It was replaced for my account and I received a new card number ( ending in XXXX ). The agent then filed a fraud claim on my behalf. 

On XX/XX/XXXX, I received a letter from Chase saying they were denying the fraud claim because I benefitted from it. 
On XX/XX/XXXX, I called Chase to appeal and they told me since my name, address, and email was on the hotel booking I was liable for the purchase. They told me it was up to me to prove I did not make the purchase and that someone else benefited. 
On XX/XX/XXXX, I called XXXX for the receipt and they sent me a contract showing the reservation was made against my old, replaced credit card number. They told me they can not provide more information as I have already filed a credit dispute. 
On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX And XXXX XXXX XXXX to ask for the hotel 's receipt and information on who used the reservation. They provided me the folio and a system image showing the guests who used the reservation. 
XXXX XX/XX/XXXX, I sent the XXXX receipt and hotel documents to Chase as evidence of fraud. 

On XX/XX/XXXX, I received a call from Chase who told me the documents were not enough and that since my name was still on hotel reservation, I was still liable. It doesn't matter the system showed someone else was the accommodating guest. They also explained since I used XXXX in the past, charges on my old credit number was still valid - something about a credit card updater. 

XXXX XX/XX/XXXX, I received a letter saying my fraud claim was denied and I was liable for the purchase.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I requested immediate investigation and removal for this item as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

After Checking My Credit Report Thru XXXX....XX/XX/XXXX...It Was A Charged Off Account From Capital One XXXX  That Was Not Mine On My Report....I Called Capital One, XX/XX/XXXX..Using My Social Security Number....Nothing After Waiting For Several Minutes...I Was Connected To A XXXX XXXX...Which Transferred To A XXXX In The Dispute Department That Put Me Onhold....She Then Stated She Can Not Locate Such Account...She Then Stated She Will Turn This Over To Their Investigation Department For Further Review....So After Spending Over A Hour With Capital One On Several Occasions, I Have No Solution But Have Now Not Only Is It Reflecting Negatively On My Credit Report But I Received Several Calls From A XXXX XXXX At XXXX....XX/XX/XXXX....Stating He Is From XXXX XXXX XXXX.....
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code XXXX XXXX My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX  XXXX  insurance the day I left the car lot A lot of inaccuracies