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

I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for inaccurate and inconsistent reporting of my accounts across multiple credit reporting agencies. Specifically, there are discrepancies between the information reported on my Experian and XXXX credit reports that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccuracies in Reporting : XXXX XXXX XXXX : Experian : My credit report shows that this account is listed as an active collection account with a balance of {$620.00}, as of XX/XX/year>. 

XXXX : The same account is reported as closed, with the same balance of {$620.00} as of XX/XX/year>. 

XXXX XXXX XXXX : Experian : This account is reported as an active collection account with a balance of {$430.00}, as of XX/XX/year>. 

XXXX : This account is also reported as closed with the same balance as of XX/XX/year>. 

Violations of the Fair Credit Reporting Act ( FCRA ) : According to the FCRA, specifically under 623 ( a ) ( 1 ) ( A ), furnishers of information ( such as XXXX XXXX XXXX and XXXX XXXX XXXX ) are required to provide accurate and consistent information to all credit reporting agencies. The discrepancies between my Experian and XXXX reports indicate a violation of this provision. 

Furthermore, under 611 ( a ) ( 1 ) ( A ), as a consumer, I am entitled to dispute any inaccurate information reported to credit reporting agencies. Despite raising disputes, the information remains inconsistent and inaccurate, which negatively impacts my creditworthiness. 

Desired Resolution : I request that the CFPB take immediate action to address these violations and ensure that XXXX XXXX XXXX and XXXX XXXX XXXX : Correct the inaccurate information on my credit reports across all credit reporting agencies, specifically Experian and XXXX Provide me with compensation for the harm caused by these inaccuracies, as allowed under 616 and 617 of the FCRA, which provide for damages in cases of willful or negligent noncompliance. 

Remove the erroneous collection accounts from my credit reports entirely due to the false and misleading information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

WELLS FARGO XXXX XXXX XXXXS, MN XXXX Phone number ( XXXX ) XXXX Account info : Account number # XXXX Open/closed : Closed Date opened : XX/XX/scrub>XXXX XXXX XXXX  Account type : Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from WELL FARGO Card services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. WELLS FARGO Card services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$1100.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to Equifax 's announcement, XXXX had a link to freeze their credit easily. After X/XX/2017, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

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

On XXXX XXXX, I mailed a certified letter return receipt to transunion credit! XXXX # XXXX XXXX XXXX XXXX XXXX. 

Requesting them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C.s1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX cu # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Florida XXXX XXXX docket # XXXX Transuions re-investigation result say that my disputes not specific ; verified and updated. 

However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my Right under the Fair Credit reporting Act.
Product: Credit card

My US Bank XXXX XXXXXXXX XXXX XXXX  was lost and a transaction was declined, then the bank closed my card. Then I made several calls and finally someone answered my call and saying my card was closed due to risk, and refused to provide any more information. I explained the situation and they hung up without listening. All my rewards points worthing about {$450.00} were gone. They are simply robbers.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXXXXXX XXXX  transaction list.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX {$2000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX To Whom it May Concern : This letter is sent regarding a negative remark placed on my credit report regarding account # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested.

This is not a request for VERIFICATION or proof of my mailing address, BUT a request for ASSIGNMENT VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your office to provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Copy of the original Assignment Contract with ( Full name, Address, Full SS # ) 2. Date assignment was transferred ; and the agreement with the creditor that authorizes you to collect on this alleged debt.

3. The Completed and Executed agreement bearing my signature stating that I have agreed to assume the debt.

4. Complete payment history, valid copies of the debt agreement stating the amount of the debt and interest and all additional charges being assessed. 
5. Proof that the Statute of Limitations has not expired.

6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021 I opened an account with Coinbase, aka XXXX under an abbreviated portion of my legal middle name & full legal name. On XXXX XXXX2021, my computer was hacked & I subsequently called Coinbase & disabled my account. Now ; I can't access my account, because Coinbase will not verify my ID on my drivers license, which shows my legal name & webcam photo of myself, because the account name is an abbreviation of my legal name. I have filed numerous complaints with, only to have them dismissed. NONE of the support options offered included my situation & Coinbase does not offer live support.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$11000.00}
Product: Credit card or prepaid card

The prior complaint should not have been closed and is unresolved. The company reactivated this card but it is not redeemable and these Amex gidtcards are useless. I need a ful refund in cash payment not this card that I can't use anywhere. I've since tried to use it today and yesterday on XXXX. on XXXX. On XXXX On XXXX on XXXX. XXXX XXXX. Other retailers. The card isn't redeemable anywhere and this company should be sued and held liable there response and solution was not accepted by me and the prior complaint was closed prematurely
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I received email notifications from XXXX where credit inquires was blocked. Upon checking XXXX website for details, my credit was unlocked, I locked the report back, then received notifications by email again that the companies ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was trying to inquiry my report. Reviewing information again the credit file was unlocked and I received 5 hard inquires from various agencies. I filed an FTC report on XX/XX/scrub> 2024 after disputing the information with XXXX, as I have a fraud alert, consumer statement and identity alert on report. The agencies did not contact me in reference of approval for credit inquiry as provided on credit report with XXXX. I was advised today by XXXX dispute representative that agencies are not required or do not follow consumer statements. I have received letters from XXXX XXXX XXXX and XXXX explaining that they couldn't extend credit for inquiry due to credit score or company does not provide services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXXXXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXXXX Balance : {$6200.00}.
Product: Debt collection

Company has entered a collection account on my credit report and I have advised and provided proof that debt is not mine. I am also receiving threatening calls from an attorneys office associated with the collection company. Both continue to call and threaten to sue me for a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I signed up for this company and they told me that they can fix my credit or higher. My credit score within a certain amount of time and it did not happen and I have a bunch of stuff on my credit report that its in my and they said they will take care of that, but they did not.
Product: Mortgage

On XX/XX/XXXX, I was received a letter from Freedom Mortgage stating that I was past due on my mortgage. I thought this to be some kind of mistake since I have the payments set up on auto-pay through my bank in. When I spoke to the representative, XXXX # XXXX, he explained that our mortgage payment had increased and as a result, the amount that I had auto-payed through my bank was short by {$50.00}. XXXX told me that since the payment was not in the full amount that the payment was put aside in an unassigned account until the full payment was made. He explained that the account went 30 days with out the payment ( even though they had my money ) and was then reported to the credit agencies. 

On XX/XX/XXXX, I wrote an email to Freedom Mortgage to request a reversal of the credit report made when they failed to apply our loan payment to our mortgage. 

At no time was I aware that the full payment had not been made. Freedom Mortgage never attempted to call and explain that I was short ( {$50.00} short on a nearly {$3000.00} payment ) on the payment. And instead of applying my payment to my account, they held the money in an unidentified account, not associated with my mortgage. 

I checked my bank statement and saw that the payment was made on time ( XXXX. 
XXXX ) and XXXX confirmed that they received the payment but since it was not in the full amount that the money never was applied to my loan. I can provide the statements to verify this if needed. 

I immediately paid the balance, including the late fee and additional {$50.00} for XXXX XXXX  payment ( {$190.00} ), and explained that the XXXX auto-payment was already pending as per our bank. 

We have never been late on a payment and we had no intention of being late on this payment. I have the bank statements that show the funds had been paid on time, less the {$50.00} increase and the representative confirmed that the payment was made on time, only short the escrow increase.We have been late or missed a payment with this company in five years! 

I emailed the company, as directed by XXXX # XXXX, and requested a reversal of the credit report but have not had a response. I called back on two separate occasions ( XXXX, spoke to XXXX # XXXX and XXXX, spoke to XXXX # XXXX ) and was told that there was no one to talk to about the credit report dispute and that I would never have anyone to speak directly to about this problem. I could only wait for the customer care center to respond to my email request. 

I was told by the representative, XXXX, to contact the CFPB for help with Freedom Mortgage 's credit reporting practices and failures to apply mortgage payments to the loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX THIS IS NOT A DUPLICATE REQUEST- PLEASE RESOLVE ASAP- YOU WILL BE GETTING THESE LETTERS AND DISPUTES FOREVER UNTIL YOU RESOLVE THIS MATTER THAT IS YOUR FAULT Dear XXXX Credit Reporting, You have still not removed the false error from my credit report. Your customer service team said in XXXX of 2023 that I was late on my payment, but this is not true - as your team admitted that it was your fault when I called your customer service. Your representative told me this would be removed from my credit report and it has been over 1 year and it is still not removed. I have hired both lawyers and credit consultants to also dispute your fraudulent claim untill it is removed.
Product: Vehicle loan or lease

15 u.s code 1635 Told I have to put down money I didnt have
Product: Student loan

I co-signed a student loan for my son-through the college, to be a XXXX XXXX. My son defaulted ( he had quit school to help his very sick father in law to be with the family business -- he now is divorced and can't make his loan payments- ) and i have taken over the payments to not allow my credit to be damaged. though it was too late at that time -- I was unable to get a car, when my car died, to get back and forth to work. -- I had to get a co-signer because my credit was ruined.-by navient student loan services. 
to make a long story short, my son never graduated and had defaulted on his loan. I guess we have a private loan, which i was not aware of and my interest rate ( which I found out is a variable rate ) keeps climbing. now its 11.25 % -- this is a rip off. I am paying {$210.00} in interest each month and there is no way to add additional payments to the principal either, to cut down on the interest. 
I have paid all back payments and interest.- now current. 
I don't know what to do ... this loan will never be paid off by the time of my death. 
I am XXXX yrs old and a single mom of XXXX -- trying to make right by my sons loan that I co-signed. I am struggling, don't know how long I can keep up these payments. 
I need to know if there is away to refinance this loan? need a fixed rate and not a private loan.-where they can keep raising my rates. 
I see student loans for 2-6 % ... why am I paying 11.25 %? 
HELP PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent you a letter previously regarding some negative information on my credit report. The letter was sent out. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier I even sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified. The accounts are listed below I demand you to comply with the law under the Fair Credit Reporting Act. Send me an updated report after the accounts are removed. Thank You, I know you guys are working hard during COVID. God Bless!
Product: Debt collection

The apartment is in my sister 's name I never stayed there I have my own place to stay at the same time my sister was getting the apartment. I received a phone basically stating that If I don't pay them that this was going on my credit report this was never a joint agreement this is not my debt.
Product: Credit reporting or other personal consumer reports

illegal lates reported on my consumer report in violation of U.S. Code 1666b and U.S Code 1637b XXXX XXXX and XXXX XXXX XXXX XXXX and collection accounts reported on my consumer report without proper validation or consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX