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

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

I have requested for US Bank to remove my PMI multiple times since I have reached below 78 % of LTV and they refuse. They want me to pay for an appraisal and legally this is not required. According to the law establish by the federal Homeowners ' Protection Act, which applies to people who bought their homes after XX/XX/XXXX mortgage companies are required to AUTOMATICALLY terminate my PMI at 78 % of LTV, I am at 77 % as of XX/XX/XXXX, and bought my home in XX/XX/XXXX. I have also never been late on payments and have over 2 years of good payment standing.

I have called twice and sent secure email messages through their website on my account 3 times and they just say they need a written request and {$150.00} for an appraisal. The representative I spoke to on the phone said they " never '' automatically terminate. I informed her that by law they have to and that it says that is their policy in the FAQ section of their website.

They also took over 2 weeks just to review my account to tell me they will not do it without an appraisal. I don't want to have to take legal action but they are not following the law.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 : I contacted all three agencies Equifax, XXXX and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.
Product: Credit reporting

Experian XXXX-SERIOUS DELINQUENCY ; XXXX-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED ; XXXX-DELINQUENCY REPORTED ON ACCOUNTS ; XXXX-AVAILABLE CREDIT ON OPEN REVOLVING TRADES I have pulled my credit report 5 times. There is not ONE thing on my Experian report showing deliquent. I have complained about this SEVERAL times to Experian - all they do is send me a copy of my report showing NOTHING deliquent. I would like to take legal action to have this statement removed
Product: Checking or savings account

I recently sold my house. The check from the title company was made out to myself and my husband, XXXX XXXX. We went to a chase branch on XXXX XXXX XXXX XXXX NJ and XX/XX/year> to deposit into my savings. We signed the check amounting to {$180000.00} and shared our IDs to confirm identification. On XX/XX/XXXX Chase sent a text and email to call them, when I called they said that my account was on hold and could not be used, and it was due to them not being able to verify my husbands identity. At first they said they tried calling XXXX XXXX his name is XXXX XXXX There are thousands of XXXX XXXX in this state- how do they identify the correct one? I provided his correct phone number, and they said it was not in the ( unnamed ) system them use, and that they could not verify him. When I ask how to get his number in their system, they do not answer and hang up on me. When I go to the branch, they direct me to call the same number. When I call the number, they tell me they can not verify my husband and can not tell me how. This is a large sum of money, I am XXXX XXXX XXXX we shared ID in person, and Chase cashed the check, so I can not get a new one in just my name to deposit without needing my husband. They are stealing my money and going against the terms of my Savings Account with them.
Product: Payday loan, title loan, personal loan, or advance loan

I was scammed, the scammers were impersonating another company called XXXX. I was under the impression I was being hired to work for the company and would be processing reviews for restaurants. When I had to input my own funds on to the workbench, I applied for a loan and was approved by the bank. However, there wasn't much information or due diligence that was done by the bank to ask what the loan was for, to perhaps warn or give information on fraud or scammers of doing this type of scamming. When I spoke to a few other banks, I was told that this has been happening often and the banks have been warned of what the scammers are doing to try to obtain people 's funds. 
I was approved for the loan by the bank and the funds were deposited into my account. Shortly after receiving the funds, the funds were immediately taken out of my account and wired to a fraudulent account, which I was told was going to go to my workbench to do the reviews for the restaurant and then was told I would receive my funds back immediately. This did not happen, and my funds were gone and money was never recovered. Since this has happened, I no longer have the funds to pay the loan right back as planned too, after I was told by the company, how the process works. I have attached screen shots of the money being deposited in the account and quickly leaving and depleting my account. I am a schoolteacher, so I don't work during the summer and I don't make much money as it is, especially with the rising costs of inflation. I am not able to make this loan payment ( XXXX ) because I was not intending to not receive my money back that was placed on the workbench from what the company that hired me stated they would be doing. My credit is be effected in a negative way because of this and I am unable to make these payments. You can also see some conversations between myself and the company that impersonated themselves as the XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a private loan ( Amount {$3500.00} ) with XXXX which I got when I started school at XXXX XXXX XXXX ( opened XXXX ). After graduation, a couple things happened. 1. the Government switched student loan servicers to XXXX . 2. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out ( Account last active XXXX ) before it went delinquent. 
But on my credit score, the report shows 1 instance of the payment being 60-89 days late and 10 instances of it being 90+ days late. This is inaccurate. It should say one instance of it being 90+ days late. It is not that I had 10 loans that were 90+ late. It was that one student loan ( which changed servicers ) that was late for more than 90+ days.
I contacted XXXX couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My credit score is XXXX and I have never had a late payment other than this student loan. Showing 10 instances of me being 90+ late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX BANKs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent accounts on my credit report.As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the account, so my question is : why is the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

this is not my loan I never applied for this loan this was not done in person and my ID and check was stolen around the time this loan was taken out and all the money stolen out of my bank account even my regular pay check money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, Experian, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the XXXX XXXX XXXX program ( XXXX XXXX XXXX XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : 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 
Experian : 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 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 
These accounts were XXXX due to recognized deceptive practices by XXXX XXXX and this discharge is supported by formal letters from XXXX XXXX XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from XXXX XXXX XXXX. 
Copies of all disputes submitted to XXXX, Experian, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

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

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reports. XXXX XXXX  has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



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

Dear administration, Experian credit report agency change my credit report without my correct information for personal opinion, without me.After that they try take money from my bank account without my decision at all. 
I have free credit report and do not change my membership. 
Please let me know a reason my membership changed? 
Please let me the reason Experian credit agency do not let me log in, make copy this fraud and sent it to you? They question ask me do the payment {$27.00}. 
This is extortion of money, black mails. If you do not pay, we do not let log in!

Evidence what I try send to you, - experian requested my credit report by self every 5 minut in term one days, ( 30 request credit card and loans ) Today when my credit report move to XXXX, and I want see true there, I can not. 
I block my credit report to avoid similar trouble, however credit report unblock it for self purpose. 
Please let me know when I will have compensation for infringement, discrimination, and the violation of my freedom? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This has been a solid 3 to 4 years advance america is committing fraud agenst my good name and time after time they beat around the bush saying its factual. they are commiting slander and more Insurance fraud. they clamed that i took out a loan witch i did not and i want to see the paper that bares my sigature of this. it was calmed to be taken out at the XXXX XXXX florida store on XXXX next to the XXXX. they are known to forge and report false accounts to the state government and XXXX people up. they don't call me they do nothing just beat around the bush 3 to 4 years i have been dealing with this and no help. they lie their teeth off and will sue them for defamation.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a business loan with TD bank. I supplied them with what they requested I was working with a representative. After waiting almost a month she came back and said I was denied and she didnt know why. I never received anything from TD stating why my bus loan was denied. They put an inquire on my credit report and failed to supply the reason.
Product: Checking or savings account

Today Sunday XX/XX/2022 my significant other was helping me to apply for a job online for a postal Service ( XXXX XXXX XXXX  ). The information said that I was to pay for a registeration fee of {$38.00} along with a processing fee of {$9.00} totaling to a full fee of {$47.00} and that if I did not get the job I would get refunded double the amount. I put my information such as my name, address, email and card information in and applied. The charge was taken from my Chase Bank account at around XXXX pm. After a couple of hours later at around XXXX pm my significant other called to tell me to wait to apply because she wanted to do more research on the website and application because it could be fraudulent but I told her I already applied and that she should have told me a bit earlier. I locked my card on the Chase Bank app. At the moment right now I can not dispute the transaction do to the fact that the charge is still pending even though the charge was taken out of my account. I tried to call my Bank but at this time of the day no one is on duty so I have to wait until tomorrow.
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 issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and receiving notice that my Equifax report had been compromised, I noticed several fraudulent accounts listed on my credit report. Due to these accounts, they are harming my ability to obtain new credit.