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

After multiple attempts and going through the credit bureau, XXXX XXXX continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years!

I refinanced by loan inXX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXXand XXXX XXXX closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XX/XX/XXXX the month my account was paid in full and closed.

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error??

Additionally, both Experian and XXXX XXXX did electronic verification which clearly was not the appropriate way to resolve this complaint!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX For {$720.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove. 
ONEMAIN for {$1600.00} is reporting past the staute of limitations also not my debt please remove. 
XXXX for $ XXXX statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting incorrectly please remove from my report. 

XXXX XXXX XXXX XXXX for {$2000.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove.
Product: Mortgage

Wells Fargo failed to properly process my VA loan modification after COVID. The mismanagement of my loan and numerous failures to answer questions of resolutions made by myself and VA show the lack of interest for proper resolution. Their administrative negligence continues by failure of due process of my VA loan. Currently receiving threats of foreclosure with no previous options nor time. Recently receiving mail from foreclosure attorneys through mail advising that Wells Fargo has started foreclosure actions without notifying me nor addressing their own mismanagement of my loan. The recent response from Wells Fargo to my formal complaint was printing old documents and mailing them with absolutely no resolution.
Product: Credit reporting or other personal consumer reports

this company is not reporting accurate payment history and account history.
Product: Credit reporting or other personal consumer reports

Credit Bureau refused to investigate I disputed XXXX XXXX XXXXXXXX XXXX as incorrect. And Experian refused to investigate, and instead email and stated it needed further identifying information from me, instead of investigating my dispute.
Product: Mortgage

Since XX/XX/XXXX I have been requesting a review of our LVR to cancel our PMI requirement. To date we have received nothing but form letters with a box checked stating we have not met the required LVR. On XX/XX/XXXX we submitted another request with supporting documentation, on document from Freedom Mortgage showing their estimate of the value of our home along with a market comparison supporting that estimate from Freedom Mortgage. The response we received to our message on XX/XX/XXXX stated that additional research was required. On the same day Freedom Mortgage submitted the same form with the same box checked regarding not meeting XXXX. It is my understanding that mortgage lenders are required to automatically cancel PMI once XXXX reaches 78 %. We believe we have exceeded that 78 % and Freedom Mortgage has delayed ANY evaluation now for near 60 days. Looking for help from your agency to help us with this request to cancel PMI. In closing, we did NOT select Freedom Mortgage as our lender, Freedom Mortgage is our THIRD lender in LESS than a year to have purchased our loan!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issue with Transition persisting in reporting XXXX on my credit report with errors, despite my repeated attempts to rectify this matter through your office. Despite reporting this issue multiple times, I am disappointed to note that no action has been taken to address this concerning situation. 

To provide context, I have diligently followed the necessary steps outlined by your office, documenting each instance of error and discrepancy, and have exhaustively communicated these concerns through the channels provided. Despite these efforts, Transition continues to report XXXX on my credit with inaccuracies, negatively impacting my financial standing and causing undue stress and inconvenience. 

My previous communications with Transition and XXXX have yielded no satisfactory resolution, prompting me to seek assistance from the Consumer Financial Protection Bureau. However, the lack of action on behalf of the CFPB in addressing this matter is disheartening and leaves me feeling abandoned in my pursuit of fair and accurate credit reporting. 

I have attached copies of all relevant documentation, including detailed records of communication with Transition, XXXX, and previous correspondence with your office. These documents provide clear evidence of the errors present in my credit report and the failure of Transition to rectify them despite numerous attempts. 

Given the gravity of this situation and its significant impact on my financial well-being, I implore you to take immediate action to address this matter. I request a thorough investigation into the reporting practices of Transition regarding my account with XXXX and urge you to intervene to ensure that accurate and fair reporting standards are upheld. 

Furthermore, I seek clarification on the steps that will be taken by the CFPB to resolve this issue promptly and effectively. Your guidance and assistance in navigating this challenging situation would be greatly appreciated. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and the swift resolution of this concerning issue.
Product: Credit card

This is my second time I file complain with cfpb because in first complain I didn't get my answer, Amex offer me welcome bonus now they tell me I'm not eligible, I want to know exact reason with proof of that and even they told me when I applied they told me I'm not eligible so even if you have proof of I signed it that open credit card without welcome bonus please share with me, I don't want my welcome offer I only want to know what's exact reason of that with proof, because in last complain mentioned some of reason from terms, I know all of them but I want to know which one is the reason I'm not eligible and what's proof of that My first complain number CFPB Ref No : XXXX Ref : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

In XX/XX/year>, I saw in my bank that I was charged {$580.00} in interest on a XXXX XXXX/ SYNCHRONY BANK CARD. When I made the initial purchase, they had a 0 % offer, and I took it intending to make payments. I spoke to them and set up auto draft payments, but when I saw the interest hit the account, I called and asked why. They said the payments were not enough for the deadline to be interest-free, and they would not do anything about it. So even though I thought it was unethical, I went ahead and paid the cc off in full with no intention of using it again. 

Moving forward to today, I got a notification from my XXXX  account that I was two months late on the XXXX XXXX XXXX SYNCHRONY BANK CARD payment. When I logged in to see why ( because I paid it in full ), I saw they continued to charge me interest on the card even though I paid it in full in XXXX, which I was directed to by their customer service representative. 

I called to get this fixed, but they said interest can not be credited or waived, so I had no choice but to pay it. It is also important to note that I received no email or bill indicating the interest on the XXXX balance account was due. The only way I knew was that they reported me 60 days late on the card to the credit bureau. This is all for XXXX $ % of " interest. '' If I had known this was an issue in XXXX, I would have handled it then, but they did not notify me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within XXXX Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX, they responded on XX/XX/XXXX, American Express and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within XXXX days of receiving a dispute. Additionally, XXXX XXXX. XXXX ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under XXXX XXXX. XXXX, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 
Thank you for your time and attention to this matter. 

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

I am writing to dispute the following information that appears on my Equifax Credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information if I identify information in my file that is incomplete or inaccurate, and report it to your consumer reporting agency. Your agency must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$910.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. 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. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. I previously disputed this account stating : ''This account is incorrectly reporting that I have 15 late payments. On my XXXX report there are 11 late payments being reported. ''. I don't agree with the results of your investigation. 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. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Vehicle loan or lease

Now back to thinking of what BBVA Compass bank has done. They expect me to pay them at total of {$3300.00} dollars. Compass bank had canceled the auto GAP policy along with the Extended warranty without my prior knowledge. So that would be around {$2500.00} dollars that they had gotten back also I was never returned my prescription medicine that was around {$1700.00} dollars along with a spare pair of eyeglasses that were around {$600.00} dollars. Also with {$2000.00} dollars in improvements and maintenance not including my {$4000.00} dollar down payment have you. That would be a total of {$6800.00} dollars then minus {$3300.00}. Being a total of {$3400.00} that Compass bank owes me. They may have made a clerical error within all of this. I hope they review all of this info for their records.
Product: Debt collection

Dates XX/XX/2022 and XX/XX/2022 Front line Asset Strategies continues to call me concerning a debt from other creditors, with a former creditor being listed totaling over {$1900.00} which I had no contact or knowledge of, saying if the debt is not paid it will be turned over to an attorney for collections. But it can be reduce to {$1200.00} if arrangements are made.
Product: Credit reporting

To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Equifax credit report investigation is being requested at this time. 

Thank you, XXXX
Product: Credit card

Requesting 1099c tax forms from this this debt of XXXXfrom Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report has a product called Experian XXXX where as if you enter your Bank Information ( XXXX XXXX XXXX XXXX ) and Utility accounts such as XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX company, and you pay on a regular basis Experian XXXX will have access to your Bank Account to verify these accts which in turn will help raise your credit score. When first signing up for XXXX it worked perfectly. However now and in the past several months XXXX can not access my account. It stopped working. Message would continue to show " Reconnect to your bank '' or XXXX can not connect to your bank. Or " Add '' another Bank Account '' I only have One Bank Account. ( XXXX  seems to think I have another Bank Account ) I have continued to contact Experian many times " Why XXXX  '' can not access my account and why Experian XXXX had no problem connecting to my account in the beginning. Everytime I log in to Experian message shows " Can not Connect to your bank '' Connect now ' Experian gives me many reasons why I can not connect and non apply to me. Why can't Experian XXXX connect to my bank account is more important to me than a credit score.

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Product: Credit card

I hired a XXXX to perform at my client appreciation party on XXXX XXXX, XXXX. 
The company charged me the {$3500.00} for it on XXXX/XXXX/XXXX and it posted on my Capital One credit card on XXXX/XXXX/XXXX and I paid the charge. I then was charged another {$3500.00} on XXXX/XXXX/XXXX. I contacted XXXX XXXX at the XXXX XXXX XXXX and he apologized and said he would talk to the accounting dept and take care of it. I then called another number that was on my original invoice and it was an attorneys office, I told him what happened and he said he was going to see them that day and that he would have them take care of it. Two days past and the company never refunded the money. I called them again and talked to XXXX ( who was in the mtns ) and stated that if he did n't remove the extra charge that I would file a dispute with Capital One. So on XXXX/XXXX/XXXX I call capital one to explain what had happened, filed a dispute and they removed the charge..pending investigation. 
Then on XXXX/XXXX/XXXX Capitol One rebilled me {$3500.00} and said I didnt respond to their paperwork request ( which I have proof that I did ) so I went ahead and REsent it to them on XXXX/XXXX/XXXX @ XXXX. During that time, XXXX XXXX ( the owner of XXXX '' had been arrested and a XXXX XXXX Jury has indicted him and his girlfriend " the accountant '' for XXXX of money laundering, theft, forgery and fraud. Click on the following link for the article : XXXX I forwarded all this information in my paperwork to Capital One and they once again REMOVED the charge on XXXX/XXXX/XXXX. THEN on XXXX/XXXX/XXXX Capital One REBILLED me the {$3500.00} stating that the company had provided XXXX receipts to back up the XXXX charges so they sided with them and put the charge back on. I spent 3 hours on the phone with them on XXXX/XXXX/XXXX being sent from the fraud dept to the dispute dept, had to explain my story to a least a dozen people, they then sent me the receipts they had and they were CLEARLY not my signatures, I then provided 3 forms of ID with my signature on it to prove that, they agreed it wasnt my signature however, now they want more information from me. I have done EVERYTHING they have asked and it is more than evident that I too was a victim of this company 's fraud however, CAPITAL ONE CC continues to victimizing me by repeatedly removing this charge and then adding it back on even though I have proven to them it WAS FRAUD! I have been in contact with the XXXX DA to add my case to the counts again XXXX XXXX and XXXX but I need help getting Capital One to work with me and stop charging me over and over. I have asked to speak to Supervisors which they get on the phone but I have to keep explaining my story and once I think its resolved ... .they charge me again and they clearly know this second charge for {$3500.00} is FRAUD. What can I do to stop being a victim to Capital One? Also, per Capital One 's request I closed that credit card and they reissued me a new one so this company would not be able to continue to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Ancillary Services P has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. Section 604 A Section 2 Aslo states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting collection accounts that I have no knowledge of, have not received any notification, and have not been verified. The reporting of these accounts by Experian is in violation of federal law, in that these accounts violated The Fair Credit Reporting Act, FCRA, Health Insurance Portability Accountability Act, HIPAA and the illegal practice of parking a debt XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a four-week period, verified this account as meeting FCRA standards. This is totally incorrect, when I contacted XXXX XXXX XXXX and they could not provide information or validated this account. XXXX XXXX XXXX removed this account from my credit report, see attachment. But as of the writing of this letter Experian shows the status of this account as REMAINS. Why is this? Is it because this account is link to XXXX XXXX XXXX? 

XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a 12-day period, verified this account as meeting FCRA standards. This is totally incorrect, when I contacted XXXX XXXX XXXX, while they did not respond to my letter, they did remove this account from my credit report. See attachment receipt of delivery. Experian shows this account as inactive. 

XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a four-day period, verified this account as meeting FCRA standards. This is totally incorrect, I contacted XXXX XXXX XXXX, by certified mail, and refused to sign delivery receipt, see attachment. According to the United State Postal Service when this happens, receipt will show left with individual. Why would XXXX XXXX XXXX XXXX to sign receipt of delivery? Fair Debt Collection Practice Acts states they have 30 days to respond. It is very apparent by this action XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act, Health Insurance Portability Accountability Act and the illegal practice of parking a debt. Experian why is this account linked to XXXX XXXX XXXX? 

XXXX XXXX XXXX is known for unethical and questionable business practices. Is a third-party debt buyer whose sole practice is pay to delete. 

All of the above listed accounts failed to provide notification, of a collection account, in violation of federal law. As stated above, are in violation of The Fair Credit Reporting Act, FCRA, Health Insurance Portability Accountability Act, HIPAA and the illegal practice of parking a debt.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I am a victim of identity theft, and this company has no record of me signing a contract with them claiming this debt belongs to me. I asked the company XXXX  times to provide documentation that this debt belongs to me, and they haven't provided any documentation yet. I need this removed from my account immediately please.