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

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXXXXXX XXXX XXXXXXXX was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

The company changed the account status to charge-off back in XXXXXXXX XXXX XXXX The credit bureau keeps updating every month saying that the account is 90 days late but in a charge-off that is not a valid status or reporting. The account is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report My son received a letter dated XX/XX/XXXX from Robinson , Reagan & Young , PLLC. In the letter, it stated that my son had an outstanding bill of {$130.00} with an added fee due o {$42.00} for a total of {$170.00}. Upon receipt of the letter, I first tried to call the company and left a message for a person named XXXX. I then sent a letter dated XX/XX/XXXX requesting a copy of the original bill. 
I then received another letter, which did have a copy of the bill. I then called Robinson, Reagan & Young PLLC to confirm that this was a valid bill and I was willing to pay it. But I was informed that it was already on my son 's credit report. 
I had done everything required within a 30-day window. Now I'm reluctant to deal with this law firm.
Product: Credit reporting or other personal consumer reports

The company has showed me proof the account is OPEN BUT continues to report the account closed on my XXXX XXXX and Equifax reports for the last 6 months or more. 
The XXXX credit report has been corrected to show the account as open. This complaint is to the credit agencies to update the account status as OPEN. I did not request for this account to be closed. that's why its still open. Proof attached. this effects my credit utilization and overall score.
Product: Credit card or prepaid card

My adult daughter was living with us for a few months, she put in a change of address with USPS when she moved. Somehow the USPS tagged my AMEX credit card bill with the yellow sticker for change of address and sent my bill to my daughter. Luckily, my daughter is responsible so she got the bill to me ASAP which avoided a late payment. Then the next correspondence that I received from AMEX had my daughter 's address on it, no sticker, as if AMEX had changed my address. I log into my AMEX online account and sure enough my address had been updated. I have been chatting with AMEX today but the customer service reps seem very nonchalant about the issue. One rep even denied that AMEX had changed my address. This is a very PII/security serious that must be taken seriously. What if I didn't have a relationship with my daughter? What if bills just piled up at my daughter 's place and I had no idea. What if a person with ill intention went to USPS and changed my address. These companies should be verifying with people that these address changes are authorized before any updates.
Product: Credit card or prepaid card

Notice there was a unknown charge on my XXXX XXXX credit card in the amount of {$8000.00}. Make at XXXXXXXX XXXX XXXX, I call Navy Federal credit union to dispute charges and the denied the Claim.I havent been in XXXX Florida to make this purchase.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The following inquiries were not and should not be reporting.
Product: Debt collection

I did not receive my five day notice to dispute or a 30 day notice to dispute. I did not receive verification of debt I do not owe this debt
Product: Credit reporting or other personal consumer reports

Experian reports a account that dont belongs to me. I request several times to resolve the issue and his decision is always that it belongs to me and Experian never sends any documentary evidence with my signature that ensures that the account belongs to me. 


" The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate ''.
Product: Credit reporting

I sent letters to all credit agencies regarding listing accounts on my credit report as being adverse. I did not provide consent to credit companies to report accounts as adverse, yet they continue to do so as a violation of Section 609 credit reporting and repair. Credit companies responded with a copy of credit report and not responding to the concerns in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX TransUnion # XXXX ; XXXX # XXXX I'm not aware of this debt. Never had the opportunity to dispute ... If the XXXX XXXX feel they provide this information to me, please provide the Certified Mail Receipt. In addition, please provide Validation of Debt as well.
Product: Money transfer, virtual currency, or money service

I am owed about {$1000.00} from Cash App/block. My XXXX bank account is linked to my cash app card and when I was refunded purchases, I made if it was from my cash app, it went on my Cash app card, but when it was linked and taken from my XXXX account, they say they credited back to my XXXX account within 3 to 5 days that they would. Cash app has an identifier but she spanked us not use that system to identify anything. They said it is not an electronic funds transfer receipt and theres nothing they can do. They do not have the money that cash app has not sent it. My bank will only go back 60 days for transactions to appeal them and do that they are a third-party cash app. Im speaking of they dont even want to deal with them because of the issues that they have with them, have you done the deposit that I have gotten credit for most of them are all taken between two and three months from the date that cash app says it sent it. I did file a complaint with cash app and I have a complaint number. This was over a month ago and I have not heard anything back from them. The complaint reference number is XXXX XXXX. Cash App refuses to provide me proof that they sent the money and they just keep telling me that unless I have something new to add, theyre going to close my account or my complaint as its been reconciled. It has not I have spent hours and hours trying to reconcile my statements and speak to both banks trying to locate this XXXX dollars, and Im being dismissed by one because I refuse to do with cash app because this is a huge problem and cash app doesnt want to deal with it because I want to keep my money. It seems. Online there is thousands upon thousands of reports of them, closing accounts out and not linking the money back to the bank it was provided from. No one is disputing the refund. They have been made by the merchant back to cash app, but not coming back to meand they are sitting in an account somewhere Cash App has! This is an ethical and Im sure illegal and I want my money. There are so many. I do not have enough space here to provide since youre only limit to XXXX attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX illegally updated my credit score to show that I have a balance of {$390.00} which was false. 

1. I had a balance of {$0.00} 2. The creditor did not yet report my account for the current statement period but, the credit bureau, XXXX falsely came up with a number which dropped my score XXXX points. 

I contacted my creditor and I was told I had {$0.00} balance but, they're yet to report this score. Upon speaking with XXXX, they told me the amount was reported but this is false because I did not have any balance. They opened and investigation but, my score never went back up XXXX points not was the remark taken off my report.
Product: Credit reporting or other personal consumer reports

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on account payments ( XXXX XXXX number XXXX I demand that these payments be updated on time as they should as I have NEVER been late late. Thanks Consumer information the best you can with Maximum
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX & XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed enormous accounts on my credit file, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report from XXXX, I reached out about what it was for. I was advised it came from Bank of America Mortgage loans, but I never submitted any information to Bank of America. I was unaware that my credit was impacted from this fraudulently unauthorized report until I recently checked on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs ; I recently called Freedom Mortgage to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined.
The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by Freedom Mortgage until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Product: Credit reporting

XXXX was previously deleted due to fraud and now has been reinserted back to my Equifax credit file under a new account number but has the exact same account details. I have my credit report showing account deleted and now reinserted back to my file without any notification. Please remove from my file.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX A XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I contacted  XXXX  directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both   XXXX   & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent 10 letters starting in  XXXX  and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By   XXXX   own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If   XXXX   had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with  XXXX  on  XX/XX/XXXX  at   XXXX   XXXX    C.S.T., I advise d the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
Product: Checking or savings account

I deposited a check using Chase mobile app on XX/XX/year>. 
Chase restricted my checking and savings accounts for some reason after that. 
When I called the bank, they told me that they unable to contact issuing company to verify this check. 
In the end, they returned the check and told me that there is insufficient funds on company account. 
But my accounts are still restricted. 
I tried to reach owner of company that issued a check to help me with that and contact bank, but he doesnt care about it. 
So I cant got my check returned and still cant use my accounts. 
It was a paycheck, and this was the third check from this company where I work.
Product: Mortgage

I contacted AmeriSave Mortgage at the beginning of XXXX. I was provided with several different loan disclosures for different interest rates, included in the disclosures were costs for a Title company XXXX XX/XX/20 XXXX XXXX. I chose to shop around in order to lower the Title costs and contacted a local title company I used 2 years ago, I completed this process within 5 days of initial disclosure, the loan originator assured me verbally, and through a text message that my local title company would be used. A month later, this has not happened. Additionally, I was sent wire instructions for closing : very clearly across the top the state of Louisiana is NOT included. I immediately attempted to contact the mortgage originator and the loan processor ; I don't believe XX/XX/20 XXXX is even licensed to do business in my state. I received no answer. 

AmeriSave Mortgage also locked my rate without notifying me first, and it turns out that the disclosures I received initially had far less cost for points to buy down the rate than where they locked the rate. I am now looking at costs to close that are 5 times HIGHER than where I started. 

I believe this company is a complete scam. There is no way to contact customer service or to speak to anyone in management. I want to cancel this refinance and will contact the Louisiana Office of Financial Institutions to lodge a complaint and a housing counselor to make sure I can back out. Please warn other consumers about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} CONCORDIABK XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX Balance {$440.00}
Product: Checking or savings account

On XX/XX/2024 at XXXX, there was a charge in the amount of {$910.00} at XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX Tx XXXX, while I was at work in XXXX TX XXXX I called XXXX and spoke with a manager who confirmed my card was used and I informed the manager I will be calling my bank to report the fraudulent charge. I called Ace Flare bank and I was informed that my card was blocked due to the incorrect pin being tried and I followed through with reporting my card stolen and also disputing the transaction for {$910.00}. I was told by Ace Flare bank that it could take 10-45 business days for a resolution and they stated they could only offer me a {$35.00} credit while my claim is on going. On XX/XX/2024 I called Ace to check the status of my dispute and they told me that it was denied because they found an error and management decided to deny my claim. They could not tell me the error. They also stated that another reason why it was denied is because they came up with a resolution that I authorized someone to use my card while I was at work. They then stated at this time they will not be approving my claim for {$910.00} that I did not approve.
Product: Debt collection

I have been trying to work with XXXX XXXX XXXX to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to XXXX XXXX XXXX multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response
Product: Credit card

During pandemic according to payment .code 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information to credit Burea late payments was Not comply with the lawI Dispute This inaccurate information several Time