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

Subject : Dispute of Inaccurate Credit Reporting by Comenity Bank To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Comenity Bank on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and Comenity Bank acct XXXX XXXXXXXX is currently in violation of this right. Comenity Bank is reporting incorrect account information across all three major credit bureausXXXX XXXXXXXX, and XXXX. The information they have provided is inconsistent and inaccurate, which is damaging to my credit profile. Since the information is not being reported accurately on all three bureaus, I am requesting a complete deletion of these accounts from my credit reports. I have attached copies of my credit reports highlighting the inaccuracies, along with any supporting documentation that proves my case. I kindly request that the CFPB investigate this matter and ensure that Comenity Bank corrects its reporting or deletes the inaccurate accounts as required by law. Please provide me with an update on the status of this dispute at your earliest convenience. I appreciate your prompt attention to this matter and look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX  XXXX  XXXX Opened XXXX {$430.00}
Product: Mortgage

XX/XX/XXXX mortgage XXXX in bankruptcy. XXXX of XXXX coborrower began to submit loan modifications and when I requested to cancel loan modifications I was denied. In XX/XX/XXXX the coborrower fraudulently submitted a loan modification and I filed a police report and XXXX complaint as there was no preventative measures to prevent fraud. The bank responded and acknowledged there error and stated they would put measures in place to prevent further fraud from occurring. The bank has made several attempts to collect even though I tried explaining to the agents that I had a bankruptcy and it had XXXX and it was illegal for them to contact for collection. The bank has allowed an additional loan modification to be submitted again and I had to call twice to cancel the loan modification and it still has not been cancelled. Due to the domestic XXXX that occurred in the home me and my children have no access to the house and I have to pay for the property we are forced to rent and unable to pay the loan or any further loans which is why I filed bankruptcy.
Product: Debt collection

Multiple calls daily its interrupting my work day. They also already closed my account with them according to my credit report. Company is Discover card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

3RD COMPLAINT! XXXX XXXX XXXX ext XXXX WORST REP! NEVER RESPONDED TO OTHER 2 COMPLAINTS! need ORIGNAL COPIES OF XXXX XXXX ORIGINATOR OF LOAN! Showed proof of faxes since XXXX had a XXXX apt to call me back NEVER DID!!!!!!! FILED XXXX PRO XXXX SEND AUTHORIZATION FOR RECOVERY MODIFICTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan accounts were frozen on XX/XX/XXXX, yet XXXX has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have 234 missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my 6 loans which would be roughly 66 missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.
Product: Vehicle loan or lease

In XX/XX/XXXX I had went to search for a vehicle that would be reliable and just in a certain price range that I would be able to afford. I came across a car lot just off of XXXX at the XXXX XXXX XXXX XXXX There was a XXXX XXXX XXXX that was just within my budget priced at {$11000.00} which with payments I felt confident to be able to pay off within a reasonable time. I came back to the lot the next day and traded in my XXXX XXXX towards the total and spent the whole day with a gentleman at a desk to cover the contract for the XXXX. Everything seemed to make sense and I signed the contract and made several months worth of payments that were around {$400.00}. One day I wanted to inquire about what I still owed on the XXXX so I called the credit acceptance company and asked what the amount I still owed was at and I was told that I owed around {$34000.00}. At that point I thought there must be some sort of confusion and that they had pulled up the wrong account. When I spent a whole business day with the gentleman in the lot to cover the contract, I had asked him 20-40 times throughout the discussion of the contract if there were anything on each page worded to change the overall price or finance of the XXXX in which every time he assured me no not at all sir this vehicle is {$11000.00}. Once realizing that I had been scammed and had taken a loan that I would actually not be able to afford I surrendered the XXXX and had lost my means of transportation. On top of that they sued me in court immediately and my credit has been ruined since XXXX. I am currently still on a homeless veterans program to assist with my living situation and to this day, even though I am permanently and totally XXXX through the VA from a service connected injury I still can not be approved for a home loan to provide for me, my wife and XXXX children. The account sits at {$11000.00} today and is preventing me from moving forward in getting my home loan through XXXX XXXX. I would have never agreed to anything that would have caused my life to collapse this way and at that time exceeded my budget so greatly. When I went back to the dealership to ask questions about what had happened they were no longer a car lot and the business was now an audio shop. I need help, thanks.
Product: Credit reporting or other personal consumer reports

I was notified that my credit score generated by TransUnion Credit Reporting agency dropped XXXX points on XX/XX/XXXX. Neither of the credit scores of the other two credit reporting agencies was affected. I have filed disputes and spent hours on the phone with TransUnion trying to get answers ; their agents are not knowledgable or efficient in their feeble attempts to solve this problem. TransUnion 's website is a technological nightmare -- inability to log in to account, broken URL links, pages that freeze and start all over again with whatever a customer was trying to accomplish with all input lost, and hair-trigger time limits that boot you out of a web page before you've had enough time to complete the info requested. My single greatest problem is this : TransUnion has not identified the source or the cause of the precipitous decline in my credit score, so I therefore do not even know, and TransUnion is not giving me, the name of the creditor, reporting entity, or other specific info sufficient to even file a meaningful dispute. Supporting documentation is being uploaded ; note the email dated XX/XX/XXXX that says my " dispute '' was received and is being resolved when I hadn't even filed XXXX yet and the link to sign in to my account doesn't work.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXXXXXX Balance Owed : {$380.00}.
Product: Student loan

I am writing with a serious grievance regarding my accounts serviced by XXXX XXXX - a division of NELNET , Inc. - which house three private student loan accounts serviced on behalf of XXXX XXXX, the lender. Upon phoning in to XXXX several weeks ago to inquire about remaining forbearance time on my account, I was advised by three separate representatives on four ( 4 ) separate occasions that each of my loans had nine ( 9 ) months of forbearance time remaining for my use, most recently on a call today, XX/XX/XXXX. Upon being previously informed of my remaining forbearance time ( 9 months ), I made several financial decisions to plan out my budgeting and finances accordingly, only to receive a call one week later, informing me that I infect only had three ( 3 ) months of time remaining on two of my loans. 

Understandably, I was and remain outraged at this sequence of events, as XXXX staff erroneously informed me on four separate occasions that I still had nine months of forbearance use available to me, on recorded calls. This situation has directly caused me financial harm, as a result of the misinformation provided by four XXXX company representatives, and XXXX must be held accountable for this grievous error. I have spoken to management, whom only give generic replies regarding their error, and refuse to coordinate with XXXX XXXX to honor the additional forbearance time, as a result of their company 's error. At this time, as a result of XXXX 's blatant errors and refusal to assist me with resolution, I am requesting immediate resolution to this matter by either coordination with XXXX XXXX ( the lender ) to honor this additional 6 months of forebearance time on the two other loans, as promised by their staff, or that XXXX XXXX covers the minimum monthly payment for these two loans for the 6 months after the current forbearance time ends ( which is allegedly set to due so in XX/XX/XXXX ). XXXX 's erroneous misinformation provided to me -- by four company staff members -- has caused me direct financial harm, and I must request immediate resolution to this matter at the executive level.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : 1. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with XXXX, Experian, and XXXX. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
XXXX XXXX XXXX : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I reached out to XXXX  and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX XXXX  during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
XXXX  did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit
Product: Mortgage

Constantly receive phone calls from mortgage lender Bank of America even when the payment is not due. Receive calls from them several times a day and on Sunday 's as well. We have spoken to several people from the mortgage lender and will then still get several calls later that day wanting to know when we are going to pay a payment that is not due. When we informed them that we have already spoken to someone they will not take that as an answer or resolution to the call. They are very aggressive, rude, and harassing in the manner in which they are trying to do business. We have had a home loan with the same mortgage lender for 15 years now and have always paid our payments in the same manner with no issues. We had one late payment and we worked with Bank of America to get that late payment paid however continued to get harassed by Bank of America. The harrassment continues to worsen as do the number of phone calls per day and we have advised them that we may have to contact an attorney if the harassment continues.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent activity. Please proceed to remove all fraudulent accounts.
Product: Credit reporting

I had received a letter from my previous employer about a data breach. I submit a request to Transunion to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't delete the address below and it needs to be deleted as it is n't mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I called Experian to have some of my personal information updated. Specifically, Experian credit report listed old address that are no longer valid or relevant. I ask Experian to delete these outdated address information and they refused which is in violation of the Fair Credit Reporting Act. Then they said they can remove old telephone numbers but not old addresses which does not make sense. I told them they were being selective and arbitrary and in violation of the FCRA.
Product: Mortgage

I applied to refinance my mortgage at CapitalOne ( the " Bank '' ). I submitted an application ( joint with my wife ) and the Bank made an offer on XXXX XXXX, 2016 7/1 ARM for XXXXXXXX2.875 % plus .875 % origination charge ). Bank 's appraiser ( XXXX XXXX valued the collateral at {$470000.00} ( appraiser failed to count proper number of bathrooms ). Upon receiving the incorrect appraisal I immediately notified the Bank and the Appraiser of the mistake on XXXX XXXX, 2016. Based on the incorrect appraisal the Bank informed me on XXXX XXXX, 2016 that the terms of my credit had changed. Based on the incorrect appraisal the Bank added one-half percent additional origination charge because the loan to value ( LTV ) exceeded 60 %. The additional origination charge added {$1500.00} to the cost of the loan. Despite being notified on XXXX XXXX, 2016 that the appraisal was incorrect, neither the Bank nor the Bank 's appraiser has corrected the appraisal. In an effort to expedite the loan closing I have offered to reduce the amount of the loan so the LTV will be less than 60 %. I am prepared to close the loan immediately on the terms offered by the Bank on XXXX XXXX, 2016. The Bank has asked me to accept the new loan terms ( with the additional .50 % origination charge ) by XXXX XXXX, 2016. I am unwilling to pay the additional charges because they are the result of an incorrect appraisal. I have notified the Bank on several occasions that I am willing to close the loan immediately on the credit terms originally offered. I have also notified the Bank that as a compromise I am willing to reduce the loan amount to below the 60 % LTV ratio. 
I do not feel that I should have to pay an additional charge for a mistake that was made by the Bank 's appraiser. 
The Bank should honor the credit terms that it originally offered. 
It should be noted that mortgage loan rates have increased since I accepted the Bank 's original terms so that shopping for a new loan from a different lender is not an option. 
Thank you for your assistance on the matter. 


Here are contact numbers for the people I have spoken to : XXXX XXXX, Loan Officer XXXX NMLS # XXXX XXXX XXXX, Mortgage Loan Specialist, XXXX ext. XXXX XXXX XXXX, Manager, XXXX XXXX XXXX XXXX, Appraiser, XXXX, Commonwealth of Massachusetts Division of Professional Licensure # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
Charge Off : XXXX {$0.00} XXXX OF XXXX {$0.00} XXXX XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX of those XXXX XXXX Americans affected by the security breach at Equifax. I have since struggled with activating the protections offered by Equifax because of horrible load times of their web site and a complete inability to speak with an Equifax representative. 

It takes seemingly for ever for the Equifax web site to load and, once it does, it gives me the XXXX option of locking my files. However, there is no mention of establishing a fraud alert or establishing a security freeze, which I understand are XXXX other options that are supposedly available to me ( in addition to the file lock which is available in lieu of a security freeze ). 

My many efforts to talk with a representative about this issue have been fruitless. I have been placed on " hold '' several times for up to an hour before giving up the effort to speak with someone. 

It has now been several weeks since I began my effort to secure my credit records at Equifax and I am still struggling to complete this endeavor.
Product: Credit reporting or other personal consumer reports

XXXX has not answered my original question. Equifax shows the mortgage with XXXX as closed. However, I am being billed for a XXXX XXXX  that was closed according to Equifax in 2015. I have attached all documents provided by XXXX. Please investigate this company is dealing in bad faith.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this PDQ SERVICES ( Original Creditor : XXXX XXXX  XXXX AKA P ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are several fraudulent account by XXXX partial account no : XXXX ...., XXXX XXXX  - partial account no : XXXX ...., XXXX - partial account no : XXXX ...., XXXX XXXX  - partial account no : XXXX .... were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.