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

The three major agencies XXXX, Experian, and XXXX have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, just to name a few. 
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 The following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the Closed Date : reporting states status is missing info to support. 
Account name : XXXX Account # XXXX
Product: Checking or savings account

My name is XXXX XXXX. 
For over year, I have been trying to close my checking account at Santander bank. However, Ive been unsuccessful. 
I wrote a letter several times requesting to close my accounts but the still would not close it. They took step to close my savings account which had no funds in it. But they refuse to close my checking account which has all my funds in it ( {$4000.00} ). When I write checks they refuse to pay out the checks. 
So Im asking once again to close my account and send me my remaining balance at my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX.
Product: Mortgage

My mortgage loan stated with XXXX and was quickly sold to XXXX XXXX XXXX who just sold it to Carrington Mortgage Services. XXXX had applied and according to the letter they sent me on XXXX XXXX, 2015 that HUD had approved discontinuing MIP. They sent me a letter stating my annual escrow review had been done and my escrow payment was {$190.00} but was going down to {$100.00} per month. I made my XXXX payment through an Escrow company and the check was cleared XXXX XXXX, 2015. I received a letter from Carrington stating no monies had been received. I verified with the Escrow company that the payment had been made and cleared and then contacted Carrington. I was again told no monies were received only after a lengthy discussion did the customer service rep finally admitted they did have the payment. She stated it not applied because they the amount was insufficient according to their records. I shared all the dates and statements I had received from XXXX and was told that she was just trying to keep me from being foreclosed on. She also told me not to talk but to listen to her because if I did n't make a payment right then the rep would not help me. She also tried to make me pay the entire payment until we had another long discussion that they had the entire payment less {$85.00}. She accepted my checking information and only after she had it did she inform me there would be a {$15.00} fee payable to XXXX XXXX. Giving the media attention regarding issues with XXXX XXXX I objected and was told I had no choice. I asked how this could be resolved and was informed it was up to me to provide Carrington with all the documentation including those sent by Carrington. She gave me a phone number to the research department that turned out to be a non working number. I also asked to speak to a supervisor on several occasions and was told no each time. She took my phone number and said a supervisor would call it has now been XXXX days and no return call. I was also informed by a XXXX customer rep that all the information regarding the MIP and escrow changes were provided to Carrington. He also refused any assistance stating they had closed out the loan so it basically was n't their problem. When I spoke with the Carrington customer service rep she informed me that she found no such records, Ironically on XXXX XXXX, 2015 Carrington issued me a check for a Escrow refund, my question is how did that happen? I have read numerous complaints from individuals who had their mortgages sold by XXXX to Carrington and a vast majority report numerous issues with Carrington. This is a FHA loan and the government needs to investigate this company and it 's practices. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach personal information exposed A letter of intent to file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Tree provided my S S # to at least  XXXX  auto refinance businesses without my consent.   XXXX  This resulted in at least  XXXX  new hard inquiries I did not authorize  : 1.   XXXX   2.     XXXX   XXXX   Again, I DID NOT authorize this.
Product: Mortgage

I have disputed the amount owed on our mortgage for years now with no help. I have researched it to no end and realized that they are holding me responsible for a mortgage that is not mine. The mortgage information is for an ARM and for a home equity line of credit that i do not have. It is for my neighbors house. I want the original closing documents from when we purchased the home on XX/XX/XXXX with an actual payment history and why they started applying escrow in XXXX on the mortgage but i always paid for the property taxes myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response Equifax, XXXX, XXXX  is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXX   XXXX  purchased from the original creditor XXXX on XX/XX/2020 my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the inaccurate information on my credit report. Despite sending multiple dispute letters, no action has been taken to rectify the errors. This situation is not only causing me significant distress but also violates my rights under the law. 

I urgently request that you investigate this matter and promptly correct the inaccuracies on my credit report. Your immediate attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

earlier this year. The credit report from XXXX XXXX shows this alleged collection account was XXXX deleted from my credit file. Now, these items have been reinserted on my credit report. 



In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i5 ( b ) } Notice to Consumer If any information has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 



( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 



I received no such notification. furthermore, when this account was reinserted back into my credit report the Status Date remained the same from XX/XX/XXXX which does not make any sense at all. This is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Credit card

need copy of my purchase XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} total XX/XX/XXXX or around that time and 3yr warrant care pack, ae informs me they dont keep copies and i dont have a computer to get it off line the following were XXXX XXXX XXXX purchase but has amer exp logo IS ON CARD AE adv if loss or stolen damage AE WILL REPLACE OR RFEFUN ITEMS XX/XX/XXXX brought items that has ae logo on it XXXX XXXX XXXX items where lost when my girl move, ring, {$990.00}, hair products {$520.00} NO RESPONSE FROM AMER EXP ON THESES ALSO XXXX XXXX XXXX IS BILLING FOR ANN FEE WHEN I DID NOT USE THE CARD SO I WANT THEM TO REMOVE THIS FEE AS CARD WAS NOT USE AS OF DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

I am writing to have you remove account Number : XXXX Company : XXXX. 

I am writing to have you remove account Number : XXXX. Due to Inaccurate payment XXXX XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am not the owner and never received a bill for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my consumer rights, i ask for the proof the received that validated these accounts experian report # XXXX Account XXXX Acct # XXXX XXXX Acct # XXXX, spreadsheets are not validations and still have not sent me any evidence of signature
Product: Debt collection

I lost my job during covid in the XXXX I contacted the bank that because i lost my job my visa was cancelled so I can manage my auto loan i was told if i returned the car I would no longer owe the bank anything. I did and traveled back home to the XXXX in XXXX. I kept trying to reach the bank to reach an agreement for the clearance letter nobody replied. 
In XX/XX/XXXX Cedar financial ( US Debt collector ) contacted me and I told them what happened so they said they would contact the bank and reach back out to me. In XXXX they do a hard credit pull with no authorization no communications till this morning saying I had to pay the full balance from XXXX that the bank never got back to me about.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX OF XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, Equifax, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic is such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit card or prepaid card

Macy 's failed to post refunds made in XXXX, although I received return reciept confirmation on email as well as online Macys account. I followed up multiple times ( every few weeks since XXXX ), was transferred thru multiple departments, but instead of resolving their internal warehousing issue ( accepted by them on the call ), they failed to report/post the refunds to the Amex card I had with them. The balance was grossly incorrect, very high, as I had returned all items except XXXX that I kept. For this reason, I was not comfortable to pay the incorrect balance due. Amex charged me interest on the wrong balance and multiple late fees, instead of resolving the refunds due. I was made to talk to multiple departments, including online payments, collections, credit services, and repeat my case details over and over again. None of the agents tried to resolve effectively and would transfer me over to the next agent frequently. Since XXXX I have had XXXX such calls, each over 90-120 minutes, at the cost of my work and family time and mental peace. Each time, they would take just one small step towards resolving. First time, they said they will refund in 14-21 days, they didn't. I followed up, they said they will manually enter the refund in the system and report it to Amex and remove the late fees and interest, and though they completed the refund, they failed to report to Amex and remove the unnecessary late fee and charges. Today, after following up, they removed the late fee and charges, and still looking into the incorrect calculations. After multiple rounds of conversation, they took my request to dispute the incorrect remaining balance. They said it will still take 1-2 billing cycles for the charges to drop off. This has affected my credit reporting, it has dropped around XXXX points from XXXX to XXXX over past couple of months. I have maintained a very high credit score by being diligient and timely in my payments and yet, because of an internal issue of Macys and lack of department coordination, my account was sent to collections, resulting in a huge drop in credit score. It is absolutely criminal of Macys and Amex to allow failure on their part to hurt my credit score, which I have worked so hard for 6 years to get it high and clean. I was denied a rewards credit card yesterday because of the negative remark on my credit report. I fear that my score will further slip if there is no proper investigation, and affect any future loans and credit lines I might need. 
I need Macys and Amex to resolve the matter quickly and I need justice over this deliberate mismanagement of my refunds and credit. I have spent over 8-10 hours speaking with them, time I could spend with my XXXX and my well being.
Product: Debt collection

Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX mobile. Which was highly unusual because I am a customer with XXXX mobile and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.
Product: Credit card

I received the letter from your company dated XX/XX/2024. my previous complaint is not from a THIRD PARTY. Again I just want to reverse or remove the late payment history of my account BMW FINANCIAL SERVICES XXXX. I paid on time, and there an error in the payment system.
Product: Credit reporting or other personal consumer reports

i have already disputed this acct Dept of Education for {$3400.00} fraudulent acct please remove this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

First access credit card is only reporting to one credit report XXXX XXXX XXXX XXXX XXXX XXXX I called them on the problem and was hang up on. The internet claims that the credit card company Does report there accounts to all 3 I know they have right to choose but the internet states that they do report to all 3 and just Want my account to show as this is causing my debt ratio problem leading to me getting denied for everything thank u
Product: Mortgage

spoke to rep XXXX  XX/XX/XXXX @ XXXX rep stated a new payoff quote was genereated on XXXX that should have been used ( showing their escrow disbursement ) I explained we sent the payoff one day before that quote was generated XXXX so that would not have been possible. 

I let her know that tax check was cut and sent XXXX and cashed XX/XX/XXXX. I asked if their cash check has been cashed and she stated it still shows as " processing ''. They sent their tax check on XXXX, the county confirmed they have NOT received a tax check from the lender, only from escrow. She asked that I send proof of tax payment to XXXX ( sent XX/XX/XXXX ). 

THEY ARE REFUSING TO SUBMIT PROOF THAT THEY CUT AND SENT THEIR TAX CHECK ON XXXX She finally said that she would go ahead and place a stop pay on their tax check. She asked that I give it a day to Process ( tomorrow XX/XX/XXXX ) and call back on XXXX. 

She also said she is putting in a note in the system that if their stop pay goes through, that I am requesting for our original payoff amount to be honored. 


Called back Monday to be told they never placed a " stop pay ''. 

WE ARE WANTING SPS TO HONOR THE DATE OF THE ORGINAL PAYOFF SENT ON XXXX AND TO REFUND US THE INTEREST THAT WAS COLLECTED FROM THAT DATE ON.