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

Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( Experian, XXXX, XXXX ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at Experian today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check XXXX account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

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

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX paty.They in fact did not come from a XXXX party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting or other personal consumer reports

My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX TX XXXX XXXX ) XXXX Balance XXXX {$200.00} Medical XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Over 2 months ago, I applied for a mortgage with Pentagon Federal Credit Union. My credit score is excellent and the loan to value ratio on the loan was low. About 30 days later, the Credit Union told me my loan was approved and asked me to wire over {$15000.00} to the title company for closing, which I did. One day later, they told me they couldnt close the loan because there was a lien on the property for solar panels. After a few days of back and forth, I submitted the paperwork to get the lien cleared. Over the last three weeks, I have tried to contact Pentagon many times through both email and phone channels and have received no response. I have asked them to send back the funds and they have not. I have asked them for the status on the loan and received nothing from them. Right now, the title company still has my money and I can not apply to another mortgage company to secure the loan. I have had no communications on when or even if the loan will close. I am a XXXX XXXX on an average income and need to have the money returned so I can secure a mortgage while interest rates are so favorable. Thanks so much. Please help.
Product: Credit reporting or other personal consumer reports

The XXXX is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. This matter is incorrect. In XXXX of 2019, I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX Stenosis and had to have major XXXX. I qualified for the XXXX payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to XXXX at the time of reporting.
Product: Mortgage

I was set up on a reverse mortgage in XXXX by a family friend that's works with refinancing on a reverse mortgage. I was supposed to receive a check for life at XXXX in XXXX that check stop.my son been helping me with the computer. Now I was told tonight by XXXX XXXX located in XXXX XXXX. Hey were supposed to email me the closing figures that's fairway independent mortgage paid they said they would make sure I got a check for XXXX plus XXXX and they paid off my fist Morgage at XXXX for XXXX, now this was supposed to be out of a check written to me for the amount XXXXnow later down the line i had XXXX sent to my bank account so we are plus XXXX in closing cost so now we are at XXXX .this whole time i been paying interest on this loan for XXXX my house is worth XXXX some were some one line there pocket from the XXXX.I am going out there tomorrow to get the original paper work i was never told that i was getting a check for XXXX .all i was told I would get a check for market price at the time XXXX was XXXX, XXXX " " " " " " " " " " i have flied for 4 other complaint 's i am not getting any younger at this rate they are living on my money one of the companies pocket my money. I work hard all my life just to give way my house i don't think so.I have their rules maintain the property paid the house insurance paid property tax XXXX XXXX XXXX XXXX XXXXXXXXI pay my bills on time and now that i found out tonight that i been paying interest on my loan that i never received in all case i am still owed XXXX that a big difference a veteran and this is how they treat a law biding citzen.please follow up on this this is big time h robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting 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  XXXX Account Number XXXX XXXX  XXXX XX/XX/2022 - Unauthorized Inquiry XXXX  XXXX XXXX - Unauthorized Inquiry 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 card

I opened a credit card and a credit history tracking subscription through a company called XXXX XXXX. Upon paying the subscription fee of {$70.00} per month, and also connecting my bank account details and sharing my social security number, the website seemed like a scam because nothing was functioning correctly. My credit score couldnt be pulled, when I connected my account, on some of their sites it would show up, but on the main page it would continue asking me to link my accounts. In addition, The website kept telling me my password was incorrect which it was notand when I changed my password twice through their password reset it was clear their website was the problem, and not a user error. As a consumer financial service this is highly unnerving because of the confidential information they have. This made me want to cancel and delete my account all together. And this is where the biggest problem lies. As hey have a {$70.00} per month subscription, it doesnt allow users to change or cancel their subscription online on their account nor does it allow users to delete their private information. Instead it asks for consumers to go through a help email which goes unanswered for MONTH on end, XXXX THE WHILE STILL CHARGING THE SUBSCRIPTION FEE. WHICH IS FRAUD. 

This coupled with the fact that this company now has all my banking and social security details, makes me very uneasy and worried for not only my but other consumers safety.
Product: Debt collection

Last year, I was going to go on a trip to LA in XXXX of 2022. I booked a flight and had payments set up for Affirm with XXXX XXXX. 

Upon learning that the trip would no longer take place, I immediately canceled the flight. As you'll see from the emails, I canceled quite a bit of time before the flight was even going to take place. I reached out to XXXX XXXX, and they immediately understood and canceled everything, because I gave them plenty of notice. 

I then reached out to Affirm and let them know that I canceled the flight and would not be taking the trip, but they continued to ask me to submit the proof, and then when I did they would ignore it. 

I submitted the proof a few times to affirm- which they ignored and then sent off to XXXX, a debt collection company, for absolutely no reason, since the airline canceled the tickets. I have about 20 attachments of proof of me reaching out to both Affirm, and XXXX  XXXX. They're ruining my credit, they have been extremely negligent, and plain outright annoying over something I had canceled and brought to Affirms 's attention several times. It was literally a plane ticket that I had canceled!
Product: Debt collection

On XX/XX/XXXX, I wrote to Portfolio Recovery disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/XXXX. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/XXXX, I received a letter back from Portfolio Recovery. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also provided a summary showing an amount, alleged original creditor, account numbers and the last 4 digits of my social security number. 

On XX/XX/XXXX, I responded back to Portfolio Recovery, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received similar letters to the ones they had sent to me prior, and they said the same thing. That they were denying any inaccuracies in the information furnished to the Credit Reporting Agencies and their investigation was complete. I never received any signed contract, and I never received any investigative report. So, I still dont understand how they concluded that the debt was valid and belonged to me. They also sent account statements showing consumer purchases. 
On XX/XX/XXXX I responded back to Portfolio Recovery and told them that I was still disputing the debt as no proper validation or signed contract had been furnished to me. In addition, I brought to their attention several consumer laws that they had violated and an amount that they owed me due to the violations. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and also included a return receipt. I have not received the return receipt but on checking the XXXX site, my letter was delivered to Portfolio on XX/XX/XXXX. 
As of today, XX/XX/XXXX, I have not heard back from Portfolio Recovery, and they are still reporting the collection account on my Credit Report. 
This account has not been validated properly and it should not be on my credit report. Please assist in getting a resolution.
Product: Mortgage

Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I'am writing to request correction of the error described below in regard to the mortgage on my property at XXXX NY XXXX. My servicer was changed without my knowledge, I never received information regarding the change. My payments with my previous servicer was auth drafted monthly from my bank account never any late or delinquencies. I noticed my payment had not come out of my account and I contacted my previous servicer XXXX who informed me my loan was transferred to another servicer and I should wait to receive documentation in the mail. 2 weeks pasted and still no documentation. I again reached out to XXXX end of XXXX to inform them of this and was assured I would not be penalized in way because it takes up to 60 days of the change and I was given the contact number for loan care who I contacted and was told I would receive a package in the mail not to worry they did not have a loan number on file for me because the transfer was still in effect. I finally am able to make payment for XXXX and at that time I set up auto draft from my account. Effective XX/XX/2016 I receive notice the my credit score has dropped more than 80 points and its being reported to the agencies that I am 30 days past due on my mortgage, which I have never been delinquent in any of my credit accounts ever. I made every effort to arrange my payments accordingly and should not be held responsible for the lack of organization and professionalism from the loan servicers to make the needed transfer. My livelihood depends on my credit according to CFPB website consumers are not to penalized for such change when I made my payments on time all to be deducted electronically. I also reached out to my new servicer who was not in any way shape or form helpful with this issue. Your assistance in this matter is greatly appreciated. 
Please note that this is not a complete list of all possible errors, such as errors regarding your servicer 's failure to provide accurate information. 

Thank You, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

[ ExperianXXXX ] Subject : Formal Dispute of Inaccurate Bankruptcy Information To Whom It May Concern, I am writing to dispute the inaccurate and incorrect bankruptcy information that is currently appearing on my credit report. Upon reviewing my report, I have found that there are multiple listings on my credit report regarding a current bankruptcy. This information is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on credit reports. This bankruptcy entry is neither accurate nor complete, and its continued presence on my credit report is causing significant harm to my financial standing. 

I am formally requesting that you investigate this matter and remove the inaccurate bankruptcy information from my credit report without delay. Failure to correct this issue within the time period allowed by law ( 30 days ) will leave me no choice but to pursue legal action under the FCRA for willful non-compliance, including filing a civil suit to recover damages caused by this inaccurate reporting. 

Please confirm in writing that you have received this letter and have initiated an investigation to remove the inaccurate bankruptcy information from my file. I have attached copies of all relevant documents supporting my dispute, including a copy of my credit report with the incorrect information highlighted. 

Thank you for your prompt attention to this matter. I expect to hear from you within the legally required 30 days regarding the results of your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding a time-barred account that they claimed ownership of due to the purchase from Synchrony Bank/Care Credit . The amount of the alleged debt was {$790.00} listed under account XXXX. I sent a letter to XXXX requesting validation and never received a reply. On XX/XX/XXXX, I sent a certified letter to the credit reporting agencies asking for a re-investigation as the account was reporting on my credit report and I also sent another debt validation request via certified mail to XXXX XXXX XXXX. I received a letter back from the agencies that the account was deleted and a letter from XXXX for an account addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX XXXX. My name is XXXX XXXX XXXX and I have never lived at the address on the account so I knew that that XXXX had mixed accounts. I also looked at the account and noticed the account number was different from the information on my credit report as it was XXXX and the credit report listed it as XXXX. The balance was higher and I have never had a Synchrony Account with a {$3500.00} limit. I informed XXXX XXXX XXXX that the account they are attempting to collect on is not mine and that their accounting records are off. In their response they continued to claim the information was accurate and that they are continuing collection efforts against me on a debt that does not legally belong to me. I informed XXXX that this is debt tagging and they are committing fraud and violating the FDCPA, Privacy, and State laws. They have compromised the privacy of financial records.
Product: Checking or savings account

Hello, On XX/XX/2019 unauthorized charges were made on my NetSpend prepaid debit card account totaling XXXX. These charges were made in XXXX XXXX, FL and I live in XXXX, Mo. I disputed these charges with NetSpend and was informed to contact them today XX/XX/2019 for provisional credit. As advised I contacted them today and found out that they are holding me liable for these charges because my account shows that it's set up with text and email alerts. I informed them that I only get deposit information to my phone, however I do not get information when charges are made on my card. The email address they send alerts to is one that I don't have access to and haven't in years. I am desperate because this was all the money I had in my account and they are refusing to give it back to me. They didn't apply a provisional credit to continue the investigation and have closed the dispute. I am fighting for my funds back because I was in XXXX XXXX while this person was charging my card and when my card was locked, I tried calling them but their line was closed. I had no choice but to wait until the next morning to dispute. Please help me!!
Product: Student loan

Mohela 's customer service is very poor. There is no online support and when I try to contact someone via telephone the menu options take several minutes to get through and then the wait times are usually a minimum of 2-3 hours. Then when I finally get a call back I get transferred and am forced to wait significantly longer. I work as a resident and can not take time off of work to deal with these issues, it is unacceptable. Finally there are no options that can be done online. For example, you can not request a forbearance online. Nearly everything must be done via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent sent a dispute to Experian certified mail on XX/XX/XXXX advising that there were incorrect things reportinng on my credit. I sent the letters certified mail and I do have receipt it was delivered XX/XX/XXXX. 45 days later I called they told me they never reviewed my dispute but I have proof it was delivered. I sent another letter that was delivered XX/XX/XXXX certified mail. It has now been over 60 days since my initial letter. I have a fraud alert placed with Experian. The incorrect collections and charge offs still have not been removed. I can sue for {$1000.00} per incorrect item they are reporting. I have followed up with the creditor and both Experian, these items are not showing up on XXXX  and XXXX, only Experian. 

The items are as follows XXXX XXXX  {$120.00} XXXX XXXX  {$250.00} XXXX XXXX {$1400.00} XXXX XXXX {$5600.00} XXXX  XXXX {$1400.00} XXXX XXXX {$13000.00} US DEPT OF ED {$7300.00} XXXX  XXXX  {$1900.00}