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

I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX  transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, XXXX, XXXX and Experian. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.
Product: Credit reporting

I have some accounts on my credit report that are not mines. I can not dispute online per Trans union. Trans union is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX XXXX, shows on credit report as a charge off not XXXX but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. 
Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Borrower has made all timely payments required under its Note Agreement. Lender believes additional amounts are owed without any support. Have been unable to communicate directly with the Lender to cure this situation. Lender has reported delinquency on the credit report which is incorrect.
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.
Product: Debt collection

I don't recall having a contractual relationship with this collection company IQData INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

The company that is suing me is engaging in re-aging which is illegal under the FCRA. I opened the account in XX/XX/XXXX and they are suing me in XX/XX/XXXX under the guise that the account still has a shelf life. This means they are knowingly perjuring the courts, because they also made sure he original creditor dropped the date off of my credit report and sued me on the actual month its suppose to drop off, as. I have two other accounts that were opened in the same time frame that are held by them and dropping off in XX/XX/XXXX and XX/XX/XXXX. This is wrong! They re-aged it and I never noticed, nor acknowledged this debt.
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX XXXX  to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to providethis or any copies of documentation verifying this account, yet they have been willing to putthis unverifiable debt on my credit report.
Product: Credit card or prepaid card

hi I 'm on payment program with American express from XX/XX/XXXXthey setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XX/XX/XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement, I 'm enrolled in auto-payment since i start this program i never cancel it, and onXX/XX/XXXX i did call you to ask if i need to renew the auto-payment the representative tolled me no i do n't need too its been setup till the balance payed off ( check my call recored with you ) and you did verify my phone number and email address on this call. no one tolled me i have enrolled again since I 'm already enrolled on this program and because you tolled me when i setup this program with you the system will automatically send you statements and balances and notification even if the account closed and I 'm on payment program, i did not receive any calls from you about any change on our agreement and i just call you less on month of your notice onXX/XX/XXXX so i assume this is automatically from you system as you tolled me account number XXXX
Product: Debt collection

During the month of XX/XX/2020 I was made aware of an attempt to collect a debt on my credit report. American Honda Finance XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. his was falsely placed on my credit file over 3 years ago and was successfully removed once already. The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with Honda Finance therefore there is no change to account #, or amount of debt because I've never had any business with Honda and this has been taken care of once already. This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.
Product: Mortgage

Hello my name is XXXX XXXX. I had a HELOC {$49000.00} which was discharged in XX/XX/XXXX in a bankruptcy and Chase Bank started forclosure proceedings in XX/XX/XXXX. I have paid XXXX XXXX XXXX XXXX an attorney ( XXXX XXXX, XXXX ) to resolve this issue since XX/XX/XXXX. I refinanced in XX/XX/XXXX and the title company involved in the closing was negligent and did not obtain a subordination notice for Chase bank to sign {$0.00} balance lien even though it was the same title company that handled a refinance in XXXX. This put Chase in a position before XXXX XXXX ( Chase 's claim ) to foreclose on the property in XX/XX/XXXX. A clerical error which has put XXXX XXXX in a position to loose their first mtg of $ XXXX. I have retained another attorney and still can not get any resolve on the matter. There are many documents and facts in this case and wanted to start off with minimal information until I am contacted from your office. Chase Bank is now forcing me to take a loan modification for an undisclosed term and I need help as an individual can not go against a multi XXXX dollar organization like Chase bank, # 3 JPMorgan Chase Market Cap As of XX/XX/XXXX {$300.00} XXXX info from XXXX website Chase Bank will spend {$500000.00} on legal fees for this case for this {$49000.00} debt that was discharged. I can not negotiate with them and in need of assistance regarding the rules and laws with collection of this debt and the current foreclose on the property after my bankruptcy 7 years ago. 
Please advise, Best Regards, XXXX XXXX - XXXX C #, email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted Trans union over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. Trans union have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXXACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXACCT # XXXX XXXX XXXX XXXXACCT # XXXX
Product: Student loan

The allowance of easy deferment after 10 years my original loans were at about XXXX now are at XXXX. Financially devastating to make XXXX month payments. Please help me understand what options I have for resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

US bank put a freeze on my account because I accidently deposited a wrong check in to the account. When I called to try to fix it they told me I would receive the funds via check and explaining the letter for the account clousure. I have called mutiple times and I am getting no answer and STILL after almost a month do not have access TO MY FUNDS OR ACCOUNT!!
Product: Credit card or prepaid card

My Husband died in XXXX, leaving NO assets or estate other than my house which is XXXX in Texas. He had NO life insurance. While I did not use this account, his Chase Sapphire card apparently listed me as a co-owner as opposed to an authorized user- which is severely negatively impacting my credit score and attempts to re-set my life as a widow. On XX/XX/2020, I contacted the Chase Sapphire Bereavement Department and spoke with XXXX, ID # XXXX. I explained that I am unable to pay this debt, as I am faced with both the loss of income from my Husband 's death and my own income due to the COVID-19 Pandemic. I am working hard to pay my own credit accounts and that is all I can do. I requested that the amount owed on this Sapphire card be reduced or that interest accrual be stopped so that I had some chance of paying the balance incrementally. I was then referred to the account supervisor, XXXX, ID # XXXX, who informed me that they were not willing to work with me other than to close the account and " put me on a payment plan. '' He was not willing to discuss reducing interest charges and further threatened me that my credit score would be negatively impacted and that " it might cause me problems with my other Chase account ( which is my own account and which I pay faithfully. ). My position is that a payment plan does not help me as long as they are charging more interest per month than I can afford to make in a payment. I will like not to have to pay a Credit Resolution company to help with this, I would expect that in the face of a DEATH and a PANDEMIC to have some kind of relief. My mortgage company helped me, all my other credit cards help me. Only Chase refuses to be part of any kind of solution. The public should know how Chase Sapphire deals with widows in the face of a Pandemic.
Product: Mortgage

XX/XX/year> I called Mr Cooper to obtain a pay off and they had the audacity to state it would be {$24.00} and online its {$45.00} for me to obtain a pay off amount. This is a rip off and unfair practice for consumer that is trying to pay off their loan. Its automatically calculated by your system and can be easily generated by email yet you're charging XXXX? RIP OFF to the consuer I asked for a verbal pay and was told that it would be {$63000.00} I need to know why my 10-day payoff amount is XXXX when my balance is XXXX. what is the XXXX difference?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX OF XXXX XXXX # XXXX ) Has violated my rights 2XXXX ( XXXX XXXX  XXXX XXXX # XXXX ) Has violated my rights 3- ( XXXX  XXXX # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXXAccount # XXXX ) Has violated my rights 8- ( XXXX, XXXX./Account XXXX XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Debt collection

I previously sent XXXX XXXX a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter ). During my request of proper debt validation with XXXX XXXX I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
Product: Credit reporting

XXXX/ XXXX XXXX is continuing to report a 30 day late payment on my trans Union credit file after agreeing to delete negative pay history. The date of disputed payment is XXXX 2013 which was during transition to XXXX. I received a letter from XXXX XXXX agreeing to delete this.
Product: Credit card

I noticed an unrecognized and unauthorized transaction on my credit card. 
Since I am a busy person, I have not noticed this suspicious transaction up until my accountant asked me about it when he reviewed my statements before the tax season. 
I feel really bad since I contacted the bank twice and both times they rejected my claim without providing me any proof that it was me that actually made those transaction. 
I would like to get all the details on why the bank decided to reject my claim. 
It does not make any sense that i will lose over {$5000.00} without getting any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, 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 this account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Debt collection

Has contacted family members outside of immediate family. I also believe that wages have been garnished outside of the limitations of when they can be as I also just received another letter and another court date for Midland financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.