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

This complaint was also submitted by telephone to XXXX at XXXX on XXXX XX/XX/2022. The telephone complaint tracking number is XXXX. 



I have been informed by my insurance company XXXX XXXX XXXX XXXX ) that the rates on my home and auto insurance coverage are being increased due to a decrease in my insurance score ; probably due to a decrease in my credit score. My score recently dropped from a tier XXXX to a tier XXXX. 


For several years my credit score has varied between XXXX and XXXX. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. He informed me that my credit score is XXXX and the decrease was probably due to a negative score factor for a non-mortgage installment loan. I informed XXXX that have no loans. He refused to give me any more information unless I upgraded my membership. I refused to do so. 


Checking on-line it appears that Experian is required to identify any sources of negative information. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. She confirmed that the negative score factor for a non-mortgage installment loan is part of my record and initially refused to identify the source. When I pressed her she responded that they are just given the numbers and are not required to verify the numbers or the source. I informed her that I wanted the negative score factor for a non-mortgage installment loan removed and my credit score adjusted accordingly. She refused. 


Both XXXX and XXXX claimed at the beginning of the calls that the calls were being recorded. The above conversations should be easily verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( Equifax ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

... .My name is Honorable XXXX XXXX XXXX XXXX XXXX Please remove XXXX and XXXX XXXX XXXX belongings from my garage. I have paid the {$180.00} more than 90 days ago. I am trying to repair my credit report and have been XXXX all over the place. 
Court adjourned... 
Sincerely, Honorable XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Hello, I opened an account with Chase bank and funded the account making a direct deposit from XXXX XXXX  after that i tried to make a wire transfer and my account was locked i have called several times but they say i need to go in person to a branch to authenticate myself and i have told them i am currently outside US and not able to travel due to COVID-19. I have also requested the direct deposit to be reversed so i can get my money back but they say that is not possible. 
Now i don ; t have access to te account and no way to have it unlocked and my money is stuck there
Product: Credit reporting, credit repair services, or other personal consumer reports

Un Authorized inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have used Bank Of America Bill Pay service for years, with almost no problems. However, last Year Their Bill Pay service mailed two checks to my church that were never received. I contacted Bank of America promptly after discovering the issue, and opened cases with them about these missing payments. The bank discovered the checks had been presented " somewhere '' for payment, and both had been honored with no endorsement. Per their requirements, affidavits were sent to the church, where they certified the church had never received these checks. The bank then informed me this issue would be pursued with the " XXXX XXXX XXXX XXXX ''. I have attempted to follow up with the bank multiple times to determine where these cases stand, and I'm told to " be patient since these cases sometimes take up to a year. '' The first check in question was issued in the first week of XX/XX/2022, and the second check in question was issued the first week of XXXX XXXX. I have copies of almost all electronic communications I have had with Bank of America, and have spent several hours in the local office of Bank of America, with no resolution. My latest communications from the bank indicates they are still awaiting followup from the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/23 ( CFPB complaint # XXXX ) requesting that you remove these accounts from my credit file. More than 30 days have elaspe and I still haven't receive my desired results. By Federal Law you have up to 30 days to conduct a free and reasonable reinvesitgation pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ). Its evident that this information was not verified therefore you should have promptly deleted these items from my consumer file. Please remove these accounts from my credit file upon receipt of this notice, you're in noncompliance of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX XXXX XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to XXXX, Experian, XXXX and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ASK CAPITAL ONE TO REMOVE/DELETE THIS ACCOUNT OFF MY CREDIT REPORT. I PAID OFF MY DEBT THEY SAID THEY WAS GOING TO DELETED/REMOVE OFF MY CREDIT REPORT. THIS ACCOUNT STILL REPORT ON MY CREDIT REPORT. THIS IS INACCURACY INFORMATION THAT THEY REPORT ON NY CREDIT REPORT. THEY IS VIOLATION MY RIGHTS UNDER THE FAIR ACT. THIS ACCOUNT BEEN SETTLED. THE CREDITOR AGREE TO REMOVE/DELETE OFF MY REPORT.
Product: Credit reporting or other personal consumer reports

Credit Report Disputes Unresolved - FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing multiple unresolved credit reporting discrepancies with Experian, XXXX, and XXXX. On XX/XX/2024, I sent certified mail to all three credit bureaus, requesting reinvestigation and deletion of inaccurate information from my credit reports. My request was based on my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to investigate and correct these inaccuracies, which is a direct violation of my rights under the FCRA. 

Summary of Actions Taken : On XX/XX/2024, I mailed certified dispute letters to Experian, XXXX, and XXXX requesting reinvestigation of erroneous accounts. 
I provided supporting evidence and clearly outlined the inaccuracies in my reports. 
Despite the XXXX response period mandated by the FCRA, none of the bureaus have addressed the discrepancies or provided resolution. 
Issues with the Credit Reports : XXXX : XXXX Account XXXX XXXX XXXX  {$290.00} XXXX XXXX  XXXX XXXX XXXX {$79.00} XXXX of XXXX ( XXXX XXXX XXXX XXXX {$1800.00}, {$1100.00}, {$3000.00} XXXX XXXX XXXX  : {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} I.C. XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXXXXXX XXXX {$1300.00} XXXX : XXXX Account XXXXXXXX XXXX XXXX  {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX$79.00} XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Bank XXXX {$560.00} Experian : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$1800.00}, {$3000.00}, {$1100.00}, {$4500.00} XXXX XXXX XXXX  : {$79.00XXXX XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  : {$320.00} XXXXXXXX XXXX XXXX XXXX {$560.00} These accounts are not mine, and I have no knowledge of their origin. Despite many attempts to resolve these matters directly with the bureaus, the errors persist on my credit reports, causing harm to my creditworthiness and financial well-being. 

I request the CFPB 's assistance in ensuring the credit bureaus comply with their obligations under the FCRA to investigate these disputes promptly delete and remove any inaccurate or unverifiable information. 

Thank you for your time and attention to this matter.
Product: Debt collection

I have received several letters from USCB America regarding a medical debt that was incurred by my adult stepson. He is currently XXXX XXXX XXXX and was XXXX at the time the bill was incurred. I received another letter from USCB last week and I called today, XX/XX/2023 and explained again that this is not my debt. The representative told me that I still owed the debt because he is on my health insurance. I told her that I did not sign anything guaranteeing this medical debt. I was not even at the hospital when my stepson was admitted. The representative told me that I am still responsible for the debt. I told her that I know that I am not responsible and I asked to dispute the debt again. I have already disputed the debt with them two other times. But they keep pursuing me.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$29000.00} XXXX XXXX  XXXX XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were both potentially impacted by the Equifax breach. We feel that this company was negligent in protecting our personally identifiable information and we 're lodging a complaint ( we 're sure one of many ) for the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Product: Credit card

Hello, my XXXX credit card accounts with FNBO were closed together for no reason. Have had them since XXXX. Never had any problems or reason for them to close. I feel like this is discrimination because I am Armenian and have few Armenian friends their accounts were all closed at the same time. Have paid my payments all on time, they even raised my credit limit XXXX weeks prior to closing. 
Both accounts are from FNBO, XXXX is M life rewards and other is XXXX. They were closed on XX/XX/XXXX by surprise letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter requesting that Experian Investigates a charge off account for XXXX XXXX XXXX and XXXX XXXX XXXX charge off account only response Experian is saying these items have been verified in return I ask them how are they verifying the account Experian hasn't been able to provide me any info on that. All of my letters stated that I was requesting this info and did not consent to e oscar verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/2024 Experian, XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I hope this letter finds you well. I am writing to emphasize an issue that, while often overlooked, has significant consequences for myself and society as a whole : identity theft. 

Identity theft is not just a minor inconvenience ; it can lead to severe financial and emotional distress for me as well as other victims. When someones personal information is stolen, it can result in fraudulent activities that tarnish their credit history, disrupt their financial stability, and cause immense stress. The aftermath of identity theft can take years to resolve, leaving victims feeling vulnerable and helpless. 

As technology continues to advance, so do the methods employed by identity thieves. It is crucial for everyone to remain vigilant and proactive in protecting their personal information. This includes using strong, unique passwords, being cautious about sharing personal details online, and regularly monitoring financial statements for any suspicious activity. 

I urge you to raise awareness about this issue within your company. By educating others on how to safeguard their information and the steps to take if they become a victim, we can collectively create a safer environment for everyone. 

Thank you for taking the time to consider the importance of this matter. Together, we can combat identity theft and protect ourselves and our loved ones, I called Experian 6 times couldn't get in contact with no one. I even emailed there reps so I could get a upload link so I could send them my documents and no response back, also they still haven't removed that address that I never resided at XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Hi the first of the month I noticed there was charges on my account two charges for XXXX $ $ checking second savings {$900.00} I proceeded to call Chase financial JP Morgan Went through all the questions and everything etc etc they gave me {$100.00} in my account... This morning I get a email saying no fraud was recognized in this incidents because the person had my debit card and pin number ... Where the transactions took place was like XXXX Missouri over 6 hours away from me... I have done everything I thought I was asked to do from the bank still no money ... Add this what they told me today something about XXXX wallet on my phone that how get my information add to that part everything on my phone is fingerprint protected and password... There not willing to work with me at all because they said the person had my PIN number told me it loss have a good day
Product: Student loan

I have continued to get the run around from MOHELA when inquiring around a refund on my student loans as an automatic/full class member of XXXX v. XXXX and XXXX my XXXX XXXX XXXX # XXXX. I have continued to attempt to contact MOHELA via phone and have been unsuccessful but messaging in my account has at least resulted in responses. However, the responses have not directly answered my questions and in their last communications they continue to say I am not required to make payments related to my XXXX case- which my loan balances are {$0.00} across the board ( both on MOHELA 's website and XXXX ) so there would not be anything to pay against. 

I submitted a previous complaint regarding MOHELA 's handling of my loans and the response was unsatisfactory and the complaint was closed subsequently by CFPB. 
I had uploaded and provided proof that I am a member of the XXXX  v. XXXX settlement including my letter/email from Federal Student Aid confirming my Borrower Defense XXXX XXXX application was approved and my loans were to be forgiven. MOHELA still claimed they had not been notified or received proof I was a member of the XXXX v. XXXX case nor that my loans qualified for forgiveness. Again, I have furnished proof of my applications approval multiple times. 

I submitted another complaint directly to MOHELA on XX/XX/XXXX. That complaint text is in XXXX of the attachments I have uploaded and their response. MOHELA indicated : Regarding your request, our records indicate that your loans have been XXXX and due to getting a refund, your account was recreated. As soon as the processing of your refund has been completed your account balance will again be XXXX. Refunds are generally received XXXX days of account being recreated. This was done on XX/XX/XXXX. We appreciate your patience. 

This means they have XXXX my loans and have been negligent in their credit reporting obligations under the FCRA for accurately and timely reporting of credit to all three bureau 's. Additionally, the date of my " account recreation '' was XX/XX/XXXX, which means that according to their XXXX day window, my refund should have been communicated and processed by XX/XX/XXXX. This has not happened and I have not received any communications via phone, email or XXXX mail from MOHELA. 

The deadline for the information to be sent to the XXXX Treasury to process my refund to me - and hundreds of thousands of other borrowers was XX/XX/XXXX as outlined in the settlement terms and most recent rulings on XXXX v. XXXX. MOHELA continues to avoid addressing my questions and concerns.
Product: Checking or savings account

XXXX they froze my savings and checking accounts so that I can not access any money to get food, prescriptions, gas. They won't tell me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I logged into equifax.com to view a my credit report and noticed that only XXXX account was reporting. I called them on XX/XX/22 and the rep stated that there was an issue with their system and that she could see my accounts on her end. I asked why my credit report was reflecting incorrectly and she stated that this was a mistake on their part. On XXXX, i received an alert from My.Fico along with XXXX that my credit score had been erased completely. Now i am unable to apply for a mortgage for my family because they are unable to pull my credit score. This is really impacting me. I should have XXXX active accounts reporting. 

( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Product: Money transfer, virtual currency, or money service

I am a merchant who has been using Square to process payments, and I have always been a compliant and trustworthy user. However, I have been facing a prolonged three-month period of payment freeze, and to this day, the issue remains unresolved. Despite providing extensive documentation to prove the legitimacy of my transactions and identity, I have not received any positive response or resolution. 

This situation has caused me significant distress and financial loss. As a small business owner, I heavily rely on these funds to pay suppliers, employees, and cover daily operational expenses. However, due to the frozen payments, I have been unable to make timely payments, leading to unnecessary complications and damage to my reputation.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXXXX/XX/XXXX# XXXX the dates were XXXX. MyXX/XX/XXXX # XXXX the dates were XXXX, XXXX - XX/XX/XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX