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

On XXXX XXXX,2017 I was informed by an Equifax REPRESENTATIVE that they have update a status on my student loans to read bankruptcy. I never disputed these items nor did the creditor report this. The information was being reported accurately initially. What happened was the representative was negligent and did not read my dispute letter. The account I was disputing had nothing to do with my student loans. My students loans were being reported accurately. So the representative took it upon them without receiving correspondence from creditor or myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXX UT XXXX XXXX Balance Owed : {$2800.00}.
Product: Checking or savings account

XXXX This complaint details my inability to close my account. 

Wise responded, today, by stating they would close my account. However, wise refuses to pay out my account balance in US Dollars. This would presumably mean I'd pay a conversion fee ( as stated by wise ) and need to once again convert my receiver funds back, incurring another fee.
Product: Credit card or prepaid card

Today, I tried to log into BOA online to check my account. It would not let me in. When I tried to get username and password help, BOA sent emails to accounts belonging to other people. When I called BOA, they said they were aware of the " glitch '' and not sure why it was not yet fixed. Why is BOA allowed to have a " glitch '' that sends my information to someone other than me without my knowledge or consent?
Product: Checking or savings account

Credit Karma I Had Fraudulent Activity Happen In my account and I contact credit karma and let them know the situation sent them all documents from the incident that occurred with Proof! and a Police report dates times everything Credit Karma Frozen My account, And my direct deposit from my employer is going into this account it's been over a Month and they won't release the freeze on my accounts I call every day and customer service tells me the Higher Up department has my case and the Only way to contact them is through Via Email I Repeat I Call Everyday and each time I call they quote unquote I am Escalating your information to the XXXX XXXX where they have your case because the cases is in XXXX I ask them please can my account be unlock and they state they can't see my file because my case is under review I've been called a lier, and been disrespected and discriminated by an employee a customer service or could've been higher up I don't know however I'm just asking for my account to be unlocked I complied with everything asked of me but they're not complying at all dates start XX/XX/2022 to Current with no Updates and no emails I have all supporting documents and each email of Repeat it information asked from them if they can unlock my account and still do their investigation it would be Greatly appreciate it I've been ever so stern about this situation I'm getting upset and All Call Say They Are Recorded..I Keep Getting The Run Around I Need To speak to Anyone Other then Customer Support they are all XXXX and you can't understand nothing they're saying.. Credit card needs to be sued And investigated They are a Scam...
Product: Bank account or service

My mother passed away XX/XX/XXXX, my sister and I are the executors of her will. We went to her bank wells Fargo to open an estate account. They helped us with the account. Then we were served papers from a lawyer saying we took my mothers assets and put them into a private account. Wells Fargo opened a Way 2 Save Account not an estate account. My sister and I went to a different branch of the bank explained to what they did and they helped us. We had so many bad experiences within the last 2 years with Wells Fargo.
Product: Credit card

On XX/XX/XXXX, I purchased a 7-day fare-lock service for a XXXX flight with my Discover card. The automatic purchase was not selected at the time of the purchase. Prior to fare lock expiration, I purchased the ticket using the XXXX credit service. After the purchase I received notification from XXXX regarding the recent purchase from XXXX. I chose XXXX due to the promotional offer of 0 % APR for 6 months for purchases over {$99.00}. I noticed the charge on my Discover card several days after the initial purchase. My XXXX credit account is not linked to my Discover credit card. I contacted Discover, XXXX and XXXX XXXX about the use of the incorrect card, initiated by XXXX XXXX, for the purchase of the flight ticket. XXXX stated the charge was pending due to XXXX not taking the necessary steps to confirm the payment. I gave XXXX all relevant information I gathered from XXXX including transaction ID information and was assured by XXXX that an investigation would take place and a resolution would be found. I called XXXX XXXX additional times and was told an investigation was underway. During this time I am also disputing the charge on my Discover account because I did not initiate the flight purchase transaction using my Discover card. I cancelled the flight due to the impending investigation. I am continuing to dispute the transaction on my Discover card because I did not initiate the transaction on my Discover card and XXXX has also supplied information verifying this fact.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against American Express ( Amex ) regarding their negligence in reporting accurate information to the credit bureaus, which has significantly impacted my credit score and ability to secure a home loan. This situation has resulted in financial losses, multiple hard credit inquiries, and considerable XXXX XXXX 

Background Information : I currently hold XXXX credit accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I began the process of purchasing a home and approached multiple lenders for a mortgage. During this process, the lenders performed hard credit inquiries, and I discovered that my credit score was being reported as XXXX, significantly lower than my XXXX score of XXXX. After several hard inquiries, I investigated further to understand the cause of this discrepancy. 

Details of the Complaint : Incorrect Reporting of a Delinquent Account : Upon investigation, I discovered that Amex had erroneously reported a delinquent account under my credit profile since XXXX. 

This delinquent account was incorrectly attributed to me, which negatively impacted my credit score. 

I contacted Amex on XX/XX/XXXX, and they acknowledged their mistake. They subsequently removed the erroneous account from my credit profile. 

Failure to Report XXXX XXXX XXXX  Account : While auditing my credit reports with XXXX, XXXX, and XXXX, I noticed that Amex failed to report my XXXX XXXX XXXX, which I have held for XXXX years. 

Only my more recent XXXX XXXX  card was being reported. The absence of the XXXX XXXXXXXX card further affected my credit score, as it did not reflect my full credit history. 

I contacted Amex, and they stated that they had initiated a request with XXXX to correct this error. However, they informed me that it would take up to 60 days to resolve. 

A similar case happened where XXXX had reported an additional account on my XXXX report. I raised dispute request with XXXX to remove the errorneous account. XXXX dispute Confirmation # XXXX Impact on My Mortgage Process : Due to XXXX reporting errors, my credit score was inaccurately low when lenders conducted hard pulls on my credit. 

This led to repeated hard inquiries by multiple lenders, further compounding the negative impact on my credit score. 

As a result, I was unable to secure a mortgage to purchase a home, causing significant financial and emotional distress. 

Impact on Me : Financial Losses : The lower credit score disqualified me from favorable loan terms, increasing my cost of borrowing. 

Repeated hard inquiries have further diminished my credit score. 

XXXX XXXX : The prolonged process of addressing Amexs errors and the resulting delays in securing a home loan have caused considerable anxiety and frustration. 

The situation has disrupted my ability to make timely financial decisions, undermining my financial stability and peace of mind.
Product: Credit reporting

Equifax , is sharing my private credit information with others who are not me without my permission.
Product: Mortgage

We have a Credit Union that is our Mortg. Co. so we thought. They have a service company Called Dovenmuehle in XXXX IL. that we have called. Since XXXX we have been trying to work with these two company on XXXXabout we received foreclose notice that our home will be foreclosed on XXXX, We were 1 month late XX/XX/2020 after speaking to many people at the XXXX XXXX XXXX and Dovenmuehle without any luck and not getting help with our mortg. has a forebearance would not work for us because my Husband is out of work for the year. He is a XXXX and all schools are closed up. We called got people like XXXX XXXX, XXXX XXXX XXXX never returning our calls, finally we spoke to a so called VP but he list 's himself has a c.s. rep. and he said you have forebearance in we never signed anything with the companies listed above. After much thinking how this service motg. company works and seeing the hundreds of complains about them and having the order to foreclose XXXX we choose NOT to go with the forebearance. We took all of our savings and then some and paid our XX/XX/2020 payment of XXXX we had to mail it in cause the XXXX web site would not take the payment. They finally received it today ( XXXX ) We only have to make XXXX and my son is helping us with that. Because of the lack of work, Covid-19 Crisis and having to pay our XXXX property taxes XXXX we are in a horrible money crunch. If this company would have attached the 3 months on the back of the loan we would be able to get food for our family. Has it stands this companies have given us Money Hardship in these Crisis times when everyone can not leave their homes, no work no money and stuff goods are expensive. We want this company to honor our payment without late fees and send us a letter stating our credit is ok. Also we want them to send that the foreclosed notice was in error that is what XXXX XXXX informed us on the phone I can not and will not trust these companies anymore and it is sad they would not work with us. We live in XXXX Ca. our XXXX. XXXX stated no foreclose action yet we got one. I want this taken care of asap, and a letter stating we are current with the payment since that call we made and we made several we have not heard from either the XXXX Co XXXX XXXX or Dovenmuehle Company. Discussed with all of these issues. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I ordered XXXX tickets through paypal for a show scheduled for XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX telling me the XXXX date was rescheduled for XXXX and I had an option to request a refund until end of XXXX. On XX/XX/XXXX I requested a refund from XXXX and I notified PayPal. XXXX flagged my account for fraud because I let PayPal know I was expecting a refund instead of letting XXXX refund me at their convenience. Now I am blocked from purchasing tickets from XXXX indefinitely because the artist they promoted canceled and i was given an option for a refund. I have called their fraud department XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today and every rep refuses to help me. On top of the fact XXXX never advised me my account status changed and continues to send me promotion emails. I only knew of the fraud flag after I tried to purchase tickets and when I waited for order confirmation a message came up indicating I needed to contact fraud. I want this flag removed and I want my account updated to good standings. I've never indicated fraud, or had issues in all the years I've used XXXX until an artist canceled his show 3 days after I purchased tickets, which was totally out of my control. I didn't have XXXX just to sit around so therefore I wanted PayPal to know of the expected refund since I used them as a payment method.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of unauthorized inquiries that continue to report on my credit file without my consent. Under the Fair Credit Reporting Act ( FCRA ) 604, inquiries without permissible purpose are not allowed to appear on my report.
Product: Student loan

I spoke with Navient last month in XX/XX/XXXX. I was enrolled in a 15 month program for my private loans - I was given a 15 month program for my loans at a 1 % interest rate as I was struggling to make payments. This program worked out very well for me. My income was not increased this year. I called in XX/XX/XXXX ( program expires in XX/XX/XXXX ) ; I was told that I should call back in XX/XX/XXXX after the payment when the program expires. I called last week, XX/XX/XXXX and spoke to a number of representatives. I was told that my loans were NOT ELIGIBLE for a rate reduction program again. The programs are now only 6 months in length and must be applied for every 6 months. Ridiculous - as I do not have time to call and spend lengthly amount of time on the phone. The representative I spoke to told me I was not eligible, but 2 different representatives could not give me a reason why. I was just told it is not available for you. I explained that I absolutely need to be in this program, I can not afford payments and I would be at risk for default. I was told " the software resets over the weekend we will schedule a callback on monday at XXXX to review ''. 
It is a little past XXXX on monday now, still waiting for this phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But Experian and XXXX will not remove it.
Product: Mortgage

I have requested and extension for my Foreberance plan because I have been impacted under the Covid 19 and SPS continues to harass me sending me threaten letters call me all times of the night and refused to acknowledge my right to request and extenson under President Biden Cares Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file immediately : Unauthorized Accounts 1. Creditor : XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/year> XXXX  Balance : {$2800.00} 2. Creditor : XXXX  XXXX  Account Number : XXXX XXXX  Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. You have me listed as XXXX XXXX XXXX. Please update to the correct name. My address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please update this as my current and only address.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, MIDLANDXXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
MIDLANDXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
MIDLANDXXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting accounts I'm not aware of and don't own there's 2 collection accounts I ask for them to send me the original contract bonding me and the company together saying I owe debt and they have not produce proof so I want it removed immediately
Product: Credit reporting or other personal consumer reports

This morning has left me both disappointed and confused as I noticed unauthorized inquiries on my credit report, with no clear reason for their presence. I checked my report as I normally do, but this time there were discrepancies that I couldnt explain. Even after refreshing my browser, nothing changed. Im asking for a detailed review of the documents Ive sent so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've trying to buy a house and realize that I had damage on my credit report.According to the 15 USC1681 law there should not have any damages on my credit report.This is a defamation to my character.
Product: Credit reporting

I disputed a collections account on my XXXX credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. Equifax is also reporting this account, but on my Equifax report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that XXXX has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called XXXX last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XX/XX/XXXX. Please help. This is extremely urgent.