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

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems consumer report : Dispute : Source of Information : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 XXXX XXXX : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems XXXX XXXX XXXX XXXX report. I have attached documents to verify my identity
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from us bank. It shows up twice with the same date. Shouldn't it only be once. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX  XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Debt collection

I had an XXXX procedure done at XXXX XXXX XXXX in XXXX. My insurence states that everything should be covered, I am now getting billed for the XXXX for {$550.00}. XXXX and I have disputed this charge. I am now receiving a bill from a debt collector. The company is Credit Collection Services. thier number is XXXX. My file number with them is XXXX XXXX XXXX XXXX XXXX. I would like a stop to reciving invoices from them until I correct this with my insurence company so my credit doesn't go bad. Receiving a XXXX without the XXXX is like renting a car and then when you go to drive it they tell you you have to pay for a steering wheel. Any help would be greatly appreciated, thaks.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I.C. SYSTEM, INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.C. SYSTEM, INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts/ inquires cant be verified and need to be removed from my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After checking my credit report from XXXX I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting XXXX I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

After working with Ditech Financial LLC for several years to get a settlement, they approved the settlement, but left only a few hours for the settlement amount to be submitted, and then denied the settlement for being late with the amount of settlement. As well, I was charged for insurance from their provider, at the same time paying for insurance from my personal provider, and receiving collection calls at all hours of the day and night. Please investigate this matter. Thank you so much.
Product: Credit card

I lost my job and had to stop paying my monthly payments in XX/XX/2016. I called Discover card today to try and settle my account. I spoke with XXXX from Discover card who after me opening up and explaining a very personal situation he began to judge me and basically school me like a child regarding my account. I felt very insulted at the way he was talking to me when I was the one who called them to try and settle the account. He began to assume the reason why I stopped payment and was not listening to the real reason why. I have been with Discover card for 16 years and have never stopped paying the account. I wanted to settle my account but he was trying to shame me as to why I hadnt paid.
Product: Mortgage

I have lived in my home for XXXX  years. My loan was acquired by Carrington Mortgage Services , LLC from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Prior to that my loan was with XXXX XXXX XXXX. In XXXX, I became past due and applied for a loan modification but was denied. In order to save my home, I filed for XXXX  XXXX Bankruptcy. Over the last 6 years I have sent payments to the trustee for the arrearage balance and sent payments to the lenders for the current balance. The payments were not being applied properly and there are discrepancies in the amounts the lender says I owe on the current and arrearage balance. The lender filed a motion on XX/XX/XXXX to be removed from bankruptcy indicating I was in default {$540000.00}. On XX/XX/XXXX the lender was granted a lift stay to be removed from bankruptcy. I was still under bankruptcy and continued to send trustee payments. I have paid over {$21000.00} to the trustee since XX/XX/XXXX. The mortgage company accepted XXXX payment and per the trustee and has refused to accept {$19000.00}. The trustee filed a motion to disallow the mortgage company for refusing the funds. I have disputed the amount the lender says I'm in default and per their request, my attorney and I have provided proof of payments on multiple occasions, sending in copies of bank statements, ledgers and other supporting documents. I attempted to get help with XXXX to get a lower interest rate and affordable payment, but the Carrington denied indicating, I didn't qualify. I later learned from the Trustee that any modifications or changes to the loan had to be approved and signed off by the judge. I am currently working with the XXXX XXXX XXXX XXXX  to bring my mortgage current as they have a {$20000.00} XXXX XXXX XXXX and a {$40000.00} no interest rate loan. My entire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need an audit and history of the billing and payments received and applied to each of the mortgage lenders that have serviced the loan over the last 7 years.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX we applied for a Business line of credit in person at the Wells Fargo Bank. After applying by giving our social Security numbers and our signatures, they sent us a adverse letter stating they couldnt give us the loan because our credit was reviewed by Wells Fargo and they stated our credit was denied because of what they had reviewed. 
According to TILA this is discrimination, and the laws are enforced by The FTC, and CFPB which enforces the ECOA. The Federal Reserve Office of the Comptroller and FDIC also has Fair Lending regulations and review banks practices, and Wells Fargo is clearly is in violation, which is subjected to fines, legal action from the regulatory bodies and lawsuits from the consumers, and i will be exercising those rights. 
We have declared that we are not minors, and that we have the capacity to contract. 

If Wells Fargo is denying us the credit then we would like to have our original application back with our wet signature. Which consumers have the right to ask for, according to Consumer Protection Laws, CCPA, and FTC. 
If they cant produce our original application that means they have securitized them and is trading them on the Stock Market and that is deemed securities fraud, and Trust fraud as we the beneficiaries did not get any benefit.

We can take it further and do an audit with a seven series Broker and get all the evidence to show that they are trading them.

We the consumers can not be denied credit by Banks or any financial institution, according to the Federal Reserve Board of Directors they are the only ones that can deny us credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian deleted XXXX XXXX XXXX, good accurate credit report from my credit report. I have asked them to please put it back but they will not. Which is having a negative impact on my credit score. Please help me resolve this issue with Experian. Thank you so much.
Product: Mortgage

We took out a loan for a condo in XX/XX/XXXX. In XX/XX/XXXX, our mortgage was sold and we had to send documents ( insurance policies and such ) to the new mortgage company. In XX/XX/XXXX our mortgage was sold again to TIAA. They also requested that we provide documents again relating to the mortgage. We have never had an escrow with this mortgage. We just received our first coupon book which includes an escrow amount from one taxing authority ( county ). It also includes an amount for a shortage in this account ( most likely to provide for a surplus since the account balance is XXXX ). My wife spent 45 minutes on the phone with them being switched to multiple people. I finally got on the phone and told them to correct the statement and send us a written document of what transpired. 

We did not ask for or consent for our mortgage to be resold. I selected our original mortgage company based on review of many options, and I am not happy with having to submit documents each time the mortgage is sold. These companies should make sure that any transition does not affect the consumer, and they should be penalized for errors. I have contacted Congressman XXXX XXXX 's office about the larger issue here - mortgages sold and packaged as derivatives.
Product: Checking or savings account

I went to Chase to open a savings account and deposit a cashiers check. The banker there asked me to set up direct deposit with my Social Security benefits and I declined. I said that I wanted to see how my account works and then decide months from now if I want to set up direct deposit. Im elderly and take time to communicate what I want. However the XXXX was very pushy and asked a lot of questions. I instructed the banker to give me paper statements and that I dont do anything online. The banker provided me with one piece of paper ... and a packet of disclosures. 

Once I returned home, I noticed that I wasnt given my account number or any information on my new savings account. A week later, I received notice from SSA saying that my Direct Deposit had been changed. 

I went back to Chase because I was upset that the banker didnt provide me my account information and had also went ahead and somehow set up direct deposit without my consent. I complained to the XXXX but she didnt seem to take my complaint as a complaint and sent me on my way after waiting for an hour to meet her. 

Later that day XXXX went back into looking at the paper I was given and noticed that the account information I was provided were for old accounts that had been closed. So I returned to the bank the next day ... waited again ... spoke to XXXX more people and finally received my account information. 

I feel that I wasnt treated well, I would say I was taken advantage of, and dont feel my information is safe at chase. Supposedly theyre going to investigate the original transaction, however I dont believe theyll actually do anything. This is definitely elder abuse and chasing sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/17  : C apital One credit card email states someone tried to access accoun t. Spok  XXXX  with Capital One representative and online access wa s disabled. Was directed  to re-enroll the card and access   to credit card would be restored.
 X/XX/17  :   Have not received a statement and billing is due soon. Attempt to re-enroll in online services but only brings back error messages.  Two phone calls are placed ( one for 4 mins, and one for 84 mins ).   End result is there is an error on their end and it would tak e two weeks to fix.        X/XX/17  : No state ment received.  Again attempt to re-enroll online to access my account. Again same error message is received. ( 4 ) calls are made to Capital One to resolve this 5 mins, 6 mins, and 70 mins. Again no resolution, no stateme nts provided and the bill paid over they phone not knowing what I am paying for.       X/XX/17  : No  statement provide and bill was due. Again, attempt to log on only to be stoppe  d. Two phone calls are made 12 mins and 85 mins. No resolution had. No statement provided.
Today as it stands : There has been ( 3 ) billing cycles without a billing statement. While I can access their credit tracker I ca n't access my actual account. Because of this lack of information I have h  ad to report all transactions since   XX/XX/XXXX  as  fraud. I can not verify the balance and I do not have access to my account online to verify charges. I have been more than patient and done my do diligence trying to resolve this issue. My account has been in good standings ( no late payments, balances in full, no delinquencies ) through this painful process. This is beyond repair. It should be noted that o n  XX/XX/XXXX  I request a paper statement as those were not being provided as well. You would think once they shut yo ur online access down that they would provide those. That is unfortunately not the case. I was told it would be anoth er 1-3 months before that change would take effect. I can not wait 4-6 months total to see what is being ch arged to my account. This is completely unacceptable and I believe there are legal ramifications for my time and charges. Call records and case numbers are assigned to account. The company has plenty of documentation to confirm this case.       Sincerely,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I sent Transunion a letter requesting that they validate accounts that appeared to be inaccurate and remove unauthorized inquiries. In my letter, I requested specific information and documentation regarding their method of verification. I have neither heard from Transunion regarding my letter, nor has my letter been acknowledged by the removal or updating of any information on my credit report. 

Transunion is in immediate violation of my rights as a consumer. They failed to respond, investigate, or remove/update any information within the allotted 30 days. They continue to misreport data on my credit report.
Product: Credit reporting or other personal consumer reports

This invalid and inaccurate item with an Account Name : XXXX XXXX XXXX  - XXXX. that Transunion and XXXX department were continuously reporting and furnishing on my credit report has long been removed from the XXXX side on XX/XX/2023. 

Im not really sure where the gap of communication begins, but I trust that they were all reporting to the same and one and only furnisher. So, might as well remove this account from their record as prompt as possible.
Product: Debt collection

Dear Nelnet Student Loan Servicers : How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an erroneous account ( XXXX XXXX XXXX ) on my Transunion Credit Report on XX/XX/2021. Transunion received my dispute, and to date ( XX/XX/2021 ) transunion has not responded to my request for this incorrect account to be deleted. From my understanding, by law, XXXX XXXX XXXX have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their handling of fraudulent information on my credit report. Despite my repeated attempts to resolve the issue, Equifax has failed to take appropriate action. 

In XX/XX/XXXX, I first contacted Equifax to dispute a fraudulent account with XXXX XXXX XXXX, as well as a fraudulent address and employment listing under the name XX/XX/XXXX with the address XXXX XXXX XXXX, XXXX,XX/XX/XXXX 

In XX/XX/XXXX, I was informed by a representative of Equifax that the disputed information had been verified. Shortly thereafter, I noticed that the fraudulent account was closed. 

However, in XX/XX/XXXX, I discovered that the fraudulent account had been reopened on my credit report. I sent another letter to Equifax along with a new police report, requesting an investigation and removal of the fraudulent information. Once again, I was told that the information was verified and the fraudulent account remains on my report. 

I have serious doubts that Equifax conducted a thorough investigation into my dispute. Their failure to remove the fraudulent information after more than 30 days constitutes a violation of my consumer rights under the Fair Credit Reporting Act. 

I am requesting immediate action to remove the fraudulent account, address, and employment information from my credit report. This is a violation of 15 USC 168117. If this issue is not resolved promptly, I will be forced to consider legal action to protect my rights. 
Account Name XXXX XXXX XXXX Account XXXX Tracking No. for last mailed doc- XXXX Thank you for your assistance in this matter. I look forward to your timely response.
Product: Debt collection

Was contacted this day by Midland Funding on a very old debt that I dont feel belongs too me or was opened up under my name and social fraudulently I feel that too be fair too me as a consumer the original signed papers on the debt that midland funding took over should be presented to me in proper form for my review along with evidence of proper amount owed too the original credit so that I can review and make a decision if I need too seek legal counsel in this matter I dont feel that the account in the amount of XXXX was my doing and feel that this was unjustly ruled against me without initial contact of the matter 5 years later this date from when the account was originally opened to initially contact me by Midland Funding its unfair and damages my good faith credit report. damaging my credit worthiness on the part of this Company.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity. MY FTC REPORT LIST ALL FRAUD *****PLEASE READ FTC REPORT IN DETAIL*********
Product: Credit card or prepaid card

American Express is violating my rights as a consumer under the FCRA by slashing my credit limits after I have successfully proven to them that I make more than enough money to pay their bills and taking me through an embarrassing process. 

I was on the phone with one of their representatives for more than 2 hours to have them call my bank on 3 way, exposing my password secrets, and asking if I have money in my account to pay a bill. 

What kind of XXXX is that? A mistake to pay my bill one day before I had money in my personal account is not a reason to slash all limits on my business cards.

If Amex do not follow rules under 15 USC 1605 and 15 USC 1681 and give my rightful access to my open ended credit line, I will file Arbritration clauses against them immediately for defaming my character.