23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Today i received my credit report by mail from Experian. My score went down from XXXX to XXXX. Found 158 consumer report views/soft inquires, that I DIDNOT authorize. I didn't authorize these businesses to hit my credit report. 

Examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I need your help, to get Experian, to turn off their 'Artificial Inelegance " on my credit report ASAP. This is unacceptable behavior and my household is suffering. This will not be tolerated. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Product: Checking or savings account

I opened a Discover Bank saving account on XX/XX/XXXX and transferred {$15000.00} from my XXXX XXXX to the account, and then they suspended my account ~20 mins later!

My {$15000.00} got transferred to that account and can not be accessed. My most recent paycheck of a few thousands of dollars also went to that account. Now there are more than {$20000.00} in the account and couldn't be accessed. Tens of thousands of dollars are now seized by Discover bank without allowing me to use, which looks like a blatant robbery. 

I called them many times with the phone number they provided in the account suspension email and they always transferred me to the security team that never answered my phone even after hours ( and they always hang my call after ~2 hours ). I began to wonder if the security team actually exists. This is a huge amount of money that is locked in the account, and Discover does not provide a way for me to reactivate my account. I have been struggling with my life since the beginning of COVID. I have been working harder to earn a living for my family. With the loss of so much money our life becomes even harder. 

I am writing this complain to ask Discover bank to contact me and get my account reactivated, in a timely manner because I need to use the money for my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I paid the collection agency for XXXX to pay the account in full, a paid in full letter was sent to XXXX and experian, it still shows as written off unpaid so the end of XXXX, I resent the letter to both and it has not changed. I need this to be corrected please.
Product: Bank account or service

Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one.
Product: Mortgage

In 2020 due to the covid 19 pandemic I could not pay my mortgage, then I applied for a partial claim in XXXX I received a letter dated XX/XX/XXXX saying that I was approved for the amount of {$11000.00}, later in XXXX I receive another letter dated XX/XX/XXXX2020 that says that the partial claim was not approved, I am forced to sell the property for many unfortunate circumstances, at that time the title company finds that there is a link in XXXX XXXX CLERK OF COURT, XXXX XXXX XXXX, The tile company decides to hold the amount of {$11000.00} until HUD or FHA send the payoff of that supposed second mortgage which was not paid to my loan which was already paid in full on XX/XX/XXXX, until now XX/XX/XXXX / XX/XX/XXXX I have not received an answer as to what happened with that money, I have called and sent emails to the 3 companies involved in the transaction and I have not obtained any answers, I need to close a business in a new property and I can not do it until this problem is clarified. I appreciate the help you can give me.
Product: Mortgage

On or about XX/XX/XXXX, I initiated online contact with Sr. loan office XXXX XXXX of SunTrust Mortgage regarding a HELOC vs. 15 year cash out refinance. On XX/XX/XXXX at XXXX, XXXX XXXX sent 2 proposals for a 30 year refinance. At XXXX, I informed XXXX XXXX , that I would not be moving forward with his proposals. XXXX XXXX insisted on communicating with me after I advised him again at XXXX and XXXX that I would not be moving forward with the process. XXXX XXXX then sent disclosures for me to sign ignoring the fact that I told him on 3 different occasions that I would not be moving forward and requested a supervisor. On XX/XX/XXXX at XXXX, XXXX XXXX sent me an email requesting additional information o send to underwriting. Additionally, XXXX XXXX made an inquiry on my credit report after I advised that I would not be moving forward on XX/XX/XXXX. XXXX XXXX is now bordering on the line of harassment and bullying. After advising him on three separate occasions that I will not move forward, he proceeded to send disclosures, access my credit report, and request additional information.
Product: Credit reporting or other personal consumer reports

Everything for ( Account # : XXXX ) on my credit report is completely inaccurate, incomplete and inconsistent which is a clear violation of ( 15 U.S. Code 1681 ) specifically regarding : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a certified letter to Experian disputing inaccurate reporting of XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my report that I do not recognize. They are from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX mortgage service, XXXX, factual data, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX auto finance, XXXX Chicago/mo, XXXX XXXX, XXXX XXXX, XXXX na, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, factual data, XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX,XX/XX/XXXX factual data, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX,
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from Citi Bank ( South Dekota ) NA from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand XXXX XXXX XXXX XXXX. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.
Product: Mortgage

Around XXXX of XXXX I started sending 'over payments ' to my mortgage company with a note at the bottom of each check for overages to go to principle. Over the last 5 years, I continued to make 'over payments '. In XX/XX/XXXX, by phone, I asked them to send me everything in my file that is related to my address. They only sent a statement for the next month. On or about XX/XX/XXXX, I was told by phone that I will have the information I requested by XX/XX/XXXX. Then on XX/XX/XXXX, I was told by phone again, it will be processed on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I have not received any of the information I requested and I feel like they are trying to drag me along until they can file foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate addresses that continue to appear on my credit report. Despite submitting previous dispute letters addressing this issue, these erroneous addresses remain listed, and I am formally requesting that they be removed from my report immediately. These addresses do not belong to me and have no relevance to my credit history. I have previously provided all necessary documentation to prove my correct address and requested the removal of these incorrect entries. However, despite multiple requests, the incorrect addresses have not been removed, which is a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these addresses could lead to confusion or potential inaccuracies that affect my creditworthiness. I once again urge your agency to review my credit file and ensure that only accurate and verified information is reflected on my report. It is your responsibility to maintain the integrity of the information provided to lenders and other third parties. Please correct this oversight by promptly deleting the incorrect addresses and ensuring they do not appear on any future credit reports. 

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

I am writing this today in regards to XXXX  XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Product: Checking or savings account

Around XX/XX/2022 they were a wind storm that cause damage in the property where I lived, I contacted the insurance company and they entered a claim then they issued a check for the damage my X who no longer lived in the property anymore got the checked and cashed it, what can you do to help solved that issued getting him returned the checked he stole. Both of names were in the check and he cashed it without my signature,
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer XXXX XXXX I ask to see the original contract tPlease remove this inaccurate information from my credit report. Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. XXXX is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and XXXX lacks crucial personal and account information compared to Equifax and XXXX. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. XXXX is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, XXXX reports missed payments while Equifax reports charged off status, creating conflicting data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX, XXXX  & Transunion. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never heard of this company until they filed a debt in the amount of {$1400.00} on my credit reports. This company has listed a XXXX XXXX XXXX as the original creditor. Again a company I have never heard of or had any contract or business with. I requested validation of debt via credit bureau dispute on XX/XX/2018 when I first learned of this account reporting on my credit report. This company returned the results on XX/XX/2018 as " accurate '' still with no verification. I do not have or never had any debt with this company or a XXXX XXXX XXXX. I have never received a phone call or any written correspondence from either company. I have sent a request via certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting validation of alleged debts including amounts and for what product.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX - XXXX/XXXX/2024 XXXX XXXX - XXXX/XXXX/2024 XXXX XXXX - XX/XX//2024 XXXX XXXX XXXX - XXXX/XXXX/2024 XXXX - XXXX/XXXX/2024
Product: Mortgage

I am a Realtor, representing a seller of a flooded home in XXXX, LA. The owner has flood insurance and a check has already been disbursed and forwarded to Bank of America and is in their escrow account. We now have the house under contract to be sold, and BofA will not cooperate in providing a pay-off so that the act of sale can be conducted. We have been stalled for 3 weeks, and are getting nowhere in dealing with the pay-off department.
Product: Payday loan, title loan, personal loan, or advance loan

As per the guidance from the consumer financial protection bureau ( CFPB ), The documents needed are a picture ID, a bill and a letter from the advocacy group helping me do to XXXX  XXXX  debt bondage, which falls under trafficking according to XXXX- debt final rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you blocked this information from my credit report within four business days, pursuant to section 605C of Fair credit reporting act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

On my online account and their automated answering machines using many phone numbers, some of the information states the fact that my loan is paid off. Conflicting data shows that a payment is due next month. I got a bill in the mail. All of the many phone numbers for Cooper have the same automated answering machine message with no way to communicate with a human about a problem.
Product: Credit reporting or other personal consumer reports

This is my 15th 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

US SM BUS ADMIN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAVE BEEN A VICTOM IDENTITY SOMEONE HAS OPENED A CRAD UNDER MY NAME WITH Bank of America, I HAVE DONE A POLICE REPORT SENT IT TO Bank of America ALSO TO THE 3 CREDIT BUREAU AND IT HAS NOT STOPPED I KEEP GETTING HARASSING CALLS THIS STRESSFUL FOR ME IM AN OLD MEN OF XXXXEARS OF AGE.
Product: Credit reporting or other personal consumer reports

I am witing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Mortgage

On XX/XX/XXXX we lost our home in a wildfire in CA. We entered into the forbearance department with our mortgage servicer ( 5/3 bank ) in XX/XX/XXXX. We came out of the forbearance department on XX/XX/XXXX, discussing with 5/3 bank the options for full payment vs. a loan mod at that time. On XX/XX/XXXX, I mailed two checks in - 1 for the normal monthly payment of {$1900.00} to cover XXXX mortgage payment, and another for {$7500.00} which is what 5/3 and I discussed as going toward the forbearance amount, potentially considering to do a loan mod for the remaining balance at that time. Two weeks later I spoke to 5/3 bank about a potential loan modification and decided instead to pay off the amount due in full and sent a check for {$11000.00}, cashed by 5/3 bank on XX/XX/XXXX. 

The total forbearance amount of {$19000.00} was paid in these two payments described above ( {$7500.00} + {$11000.00} ). All monthly payments moving forward were paid on time. Despite receiving these funds and cashing my checks, 5/3 did not apply my funds to the balance due until XX/XX/XXXX. At this point they have declared to credit agencies that we were past due for XXXX, XXXX and XX/XX/XXXX, despite having cashed our checks and leaving unapplied funds on our account until XX/XX/XXXX. 

We are requesting that 5/3 bank resolve this issue by clearing this incorrect information up with the credit agencies. We were never late on any payments. There was confusion when we came out of forbearance with 5/3 not applying our {$19000.00} in payments toward our open balance. This error is that of 5/3 banks and should not be impacting our credit score. I called and spoke with over 6 personnel between XX/XX/XXXX and XX/XX/XXXX in 5/3 banks customer service department and asked them to apply our funds, with no success. 

To date, they have finally applied our funds ( showing on XX/XX/XXXX ) but have not corrected this issue with the credit agency. I have since called on three separate occasions asking them to deal with this issue internally and have gotten nowhere. I have received mis-information, had the call dropped with no return calls, and have received very low quality customer service. No one can tell me why my funds were not applied and no one is giving me a path toward resolution to fix my credit score.
Product: Debt collection

Discover Card and a few other collectors keep calling my cell phone and my mother 's cell phone for my brother 's debt. I told them this is not his phone number, I do n't owe you the debt and to take me off the call list. They say ok and then they still call / harass, almost every single day. They even called us on Sunday XX/XX/XXXX back to back at XXXX XXXX XXXX XXXX and at lunch time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXXT XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in and on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing.