23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America account was scammed in 2018 in XXXX Georgia or surrounding cities in Georgia by someone. This person went to numerous places and withdrew money that was not in my account and I am being held accountable even though I have made a police report and have proven where I was located at this time. My account was closed and I have been responsible for paying the outstanding balance of $ 7100+. This is also stopping me from opening a new bank account with any other banks and has also placed my name in a system for fraud suspect activities which prohibits me from a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in a Contract with XXXX when i decided to take XXXX offer to buyout my contract. I gave XXXX my XXXX phone and received my new XXXX activated phone. I followed the directions of paying my last bill. After paying my last bill i was to bring in a bill to XXXX of how much I owed to XXXX for the phone ( {$540.00} ), which i did bring in this bill. After i brought the bill in the bill and other paperwork was immediately faxed to a XXXX agency responsible for paying that bill. Two and a half months have went by and I start to get calls and and a letter from " Credence XXXX. '' I went in and talked to XXXX and they said that the company responsible for paying XXXX bill had, for no reason stated, not done any further action towards paying thus bill. XXXX employees stated that their company responsible for paying my contract switch bill would send me a credit card in the mail to pay it with, i have not received any such mail from XXXX or their company regarding this issue. I gave them my phone which is the reason for the bill i do not have the XXXX phone anymore. I tried contacting the Credence company and they insist that I immediately pay the bill that I should n't owe. I 've read that Credence is a Scam company.
Product: Credit card or prepaid card

I received a random charge on my account in XXXX. In XXXX, I received a notice in the mail of late payment and logged in promptly to pay. I paid the bill in full in the amount of XXXX online. I did not receive any more mail from SST, nor did I receive another late payment notice. Yet on XXXX was reported late to the credit bureau. When I called customer services, was told that the payment did not go through for some reason. They also indicated that they tried to reach me via phone, but did not have the right phone number. In all other cases they have sent me mail, but in this case they did not. I feel like they intentionally did not try to reach me or do their due diligence to reach me. When I saw the alert on my credit report, I immediately logged into their website and paid in full.

I would note that this card has a XXXX  balance, and has been fully paid for over a year. The charge that was made in XXXX was a random fee, and not initiated by me. Both in XXXX and in XXXX I have again paid the balance in full but was still reported as 30 days late to the credit bureaus. 

I would also add that their online process for payments is confusing. You must press Yes I want to make a payment 4x and press submit and then press submit over and over again. I believe that they have configured this intentionally, so that people will not make the payments. They also do not offer an automatic payment process. 

Yet, again I have been reported as late for a charge I did not initiate.
Product: Vehicle loan or lease

The company and I agree to a payment of XXXX when the car was repossessed I paid {$500.00} was going to pay in payment for the repossessed fee will be applied every month and I needed to pay XXXX extra a month. now they are reporting on my credit report that I am XXXX days behind with a XXXX balance I tried to talk to them to correct this and they still have not my car was damaged in the repossessed process and they still haven't done anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to inform you that these accounts were already deleted from XXXX since XX/XX/2023. Transunion and XXXX still contest that they were accurate and verified in their second investigation. I do not agree with their results. I know for sure that these accounts don't belong to me and I need them to remove these entries from my credit report right away.
Product: Mortgage

My wife and I were already working with another major bank on a purchase loan. The loan officer at Bank of America convinced us that he had a better offer. We made the switch to Bank of America. We signed documents on XX/XX/XXXX. 

The loan officer informed me that we would receive a lender credit at closing of about {$1000.00}. This was provided in the original estimate. However at the closing we only received {$200.00}. No explanation was provided. 

On XX/XX/2019, the loan officer emailed me and advised me that I would receive a refund on the appraisal cost. He asked me if I would like to receive the refund on my credit card or closing. I said at closing. However at the closing we did not receive any refund for the appraisal.

Attempts to call and email the loan officer was not successful. We have been trying for 4 weeks to get a hold of him. This is extremely unprofessional.
Product: Checking or savings account

Received letter from Chase Bank including a debit card for a checking account that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX and XXXX XXXX XXXX. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have been trying to get my financial picture back in order after being a victim of identity theft and having several credit cards, etc opened in my name and ran up the balances on the cards and left me to deal with this nightmare. I have done everything on my end to handle this issue the right way and following the process. I have submitted disputes directly with the three credit bureaus, I have updated personal information to ensure my credit report shows the most accurate name, address, social security number, date of birth, employer, etc. I have also changed all passwords to logins I have for my banking and subscriptions and I have went fully digital in regards to receiving mail to ensure nothing is stolen or tampered with from my mailbox. After several months of disputing these fraudulent accounts, I decided to file a police report as well as an identity theft report in the hopes this would expedite and finalize the process of undoing the mess I have had to endure because of identity was stolen. After submitting another several rounds of disputes with plenty of paperwork and proof that I am a victim of identity theft, two accounts have remained and are not following FCRA laws, which states that if I provide a police report and an identity theft report, the fraudulent accounts must be removed from my name and social security number and that information be blocked from reported on my credit reports. Experian on multiple occasions has conducted improper investigations and has dismissed the police report, the identity theft report, has violated several FCRA laws, and they have never validated the debt or legitimacy of the accounts. My husband also passed 6 months ago and the fraudulent credit card accounts reported by XXXX XXXX XXXXXXXX and XXXX XXXX are not allowing me to purchase a home for my children or find a better job as they pull my credit and judge me based on accounts I never opened, authorized, or consented to. I am extremely upset and this is my last attempt with Experian to have them remove the accounts fraudulently reported by XXXX XXXX  XXXX and XXXX XXXX. If this issue is not resolved and removed and permanently blocked from being reported on my Experian report, I will file a lawsuit against Experian and I have all the trails of paperwork and responses to without a doubt prove multiple FCRA violations which equates to XXXX XXXX XXXX in monetary damages, not to mention the physical and mental monetary damages this has caused me and my family. I need Experian to be held responsible by the CFPB, however my only end goal is to have those fraudulent accounts reported by XXXX XXXX XXXX and XXXX XXXX  to be removed and permanently blocked from being reported or associated under my name and social security number. Thank you to the CFPB and god bless.
Product: Mortgage

My loan was recently sold from XXXX to Carrington Mortgage Services , LLC . 

The first time I paid my loan with Carrington, I paid over the phone and was charged a {$10.00} processing fee. I did not talk to a human. The transaction was 100 % automated. I paid with my checking account information. 

This month, I paid on-line thinking I would avoid the {$10.00} fee. Carrington charges a {$5.00} processing fee to make an on-line payment. Again, no human contact. I entered all the information. 

I called customer service and asked about fee free options. I was told to I could mail my payment ( who DOES this ) or get set up on an auto pay. 

In doing the math, if using the internet to make a payment, this company will make an additional {$1800.00} over the course of a 30 year mortgage to TAKE MY MONEY. If a person were to pay via phone, that amount doubles to {$3600.00}. To TAKE MONEY. How can processing an automated payment be more labor or cost intensive than a physical check? This is an additional money grab and I would like to know if this is a legal practice. 

This company has a mailing address in Illinois. I live in Minnesota. I did not choose this mortgage company. 

Thank you for your help. Please cite the law where this is legal. I would like to look at the statute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, XXXX, and XXXX concerning an account with Discover Financial Solutions. I have noticed that all three credit bureaus have reported that my debt with Discover has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of XXXX, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both Discover Financial and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, Discover Financial Solutions has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time. 

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt. 

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, XXXX, and XXXX correct this misinformation on my credit report. Additionally, I ask that Discover Financial Solutions update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations. 

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports. 

Thank you for your attention to this urgent issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

TransUnion has denied me access to my credit report on XXXX and on their web portal.
Product: Credit reporting or other personal consumer reports

I filled out a credit application for my business for a vehicle through XXXX. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have XXXX  pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from XXXX  so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my XXXX credit report. The accounts in question, along with their respective account numbers, are as follows : XXXX XXXX XXXX  ACCOUNT # XXXX ( In Collection Status ) XXXX  XXXX XXXX XXXX  # XXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts. 
Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that XXXX investigate and rectify these issues by removing the disputed accounts from my credit report immediately.
Product: Debt collection

I had loan with XXXX XXXX. The collection lawfirm that broke the law and committed fraud is Jefferson capital systems. My social is. They claimed to serve judgement to me through my wife and thwy lied. I was XXXX  from XXXX. To XX/XX/XXXX. They said they served me on XX/XX/XXXX. This is intentional fraud. My wife was not home and never talkes to any man at the home. She will testify in court. My full name is XXXX XXXX. My birthday is XXXXand the website you can confirm this at is XXXX in florida. This is a easy win for a lawyer. This company already has a classaction suit. Please provide lawyer who will prosecute. There is no other adult in my home they couls have talked to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unverfied account ( XXXX XXXX ) with EXPERIAN LLC XX/XX/2020 I was informed by Experian on XX/XX/2020 that the account ( XXXX XXXX ) was removed from my Experian report. on XX/XX/2020 the unverfied account was placed back on my Experian credit report without notifying me within business days. Under the FCRA guidelines Credit Bureaus reinsert a deleted item from your credit report without notifying the consumer within 5 business days the violation is consumer protection afforded by the FCRA THE FINE IS {$1000.00} paid to me and the legal jurisdiction FCRA section 611part ( A ) ( 5 ) ( B ) ( ii ) Experian has refused to pay the fine and I demand now experian pays the fine to me within 15 days
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed some inaccuracies and incorrect information. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to investigate the account listed below because ( XXXX XXXX account number XXXX ) late payment is reported inaccurately, this account says it was thirty days late in XXXX which is incorrect it was paid on time never late as shown in the images. 
This account has been updated by XXXX to current and never late. I demand that Experian also update this account to current and never late as required by law to reflect maximum accuracy.
Product: Vehicle loan or lease

I've had my account locked, I tried resetting my password with all correct credentials no luck, called and waited XXXX to finally get a link to reset my password only for it to tell me my credentials are incorrect despite the rep on the phone verifying all was correct, now on phone waiting over an hour to get a rep again! This is ridiculous people don't have all the time in the world to mess with this XXXX at most I can see waiting 20 minutes but 1 hour is insane! I just want to pay my bill that's due the XXXX! I can't call it in because they only do online billing!
Product: Credit reporting

All the information in attached file, shown " Unknown ''. 
Creditor : Unknown Type : Collection Balance {$290.00} Payments : N/A, none or Not available If that collection is mine, I need to information to pay it.
Product: Credit reporting or other personal consumer reports

Lexis-Nexis Consumer Services Center XXXX XXXX XXXX XXXX, Ga XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my consumer report, I found information inaccurate, Please review and contact Insurance company XXXX  Insurance for verification so that the information be correct and deleted. This information is falsely be report which has prevented me from receiving insurance. I have enclosed the denied letter. 
XX/XX/XXXX incident is incorrect there is no accident on this date. This date XX/XX/XXXXXXXX  is false and need to be corrected. 
Insurance at that time was XXXX Policy # XXXX Claim Agent XXXX XXXX XXXX. Please contact insurance and remove the inaccurate information date XX/XX/XXXX it was only 1 accident in XXXX. 
Accident date XX/XX/XXXX was not my fault this incident happens on the freeway, which I file a police report of an object in the road which cause the accident, this should not be rated as my AT-FAULT ACCIDENT, Im requesting this be investigated and remove from my Lexis-Nexis report immediately.
Product: Debt collection

A debt from XXXX that I disputed in XXXX increased by {$1.00} a couple of days ago. Im concerned this has reset the clock on my debt. The company, IQ Data International, has been incredibly hard to work with and puts me on hold for hours or just keeps me in a phone transfer loop until I give up. Im also concerned if I reach back out after 6 years they will take this as an attempt to pay my debt and reset the clock.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion THIS IS A FACTUAL DISPUTE you have collections showing that are only shown by you XXXX AND XXXX SHOW NO COLLECTIONS please update your reportingand remove all collections because you are reporting wrong information documents enclose as proof
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I logged into XXXX XXXX and discovered a recent hard inquiry for credit from XXXX XXXX. I called the company to dispute the hard inquiry and inform them that authorization to use for my credit was not provided. The last authorized request for credit was in XX/XX/2024 for XXXX XXXX. The company took my dispute but indicated that the I would need to dispute with the bureaus. I talked to agent # XXXX @ XXXX. 

I contacted transunion who informed me that they do not remove hard inquiries and I needed to dispute with the creditor and file a dispute with the FTC. 

I filed a dispute with the FTC as requested. The reference number is XXXX. 

Additionally, I added credit freezes to all bureaus. 

I would like the unauthorized hard inquiry from XXXX XXXX removed from my bureau.
Product: Credit reporting or other personal consumer reports

Misuse of personal information credit name birthday ssn
Product: Debt collection

{$11000.00} of unpaid medical bills are still showing on my credit report.. i had XXXX  XXXX as well as NC state XXXX  at the time of all these bills were sent out. The state of NC failed to pick up payment and its affecting my credit report