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

I had a student loan with XXXX XXXX  and this loan was under SCRA benefits from XX/XX/XXXX to XX/XX/XXXX. There were no fees applied to this account and no late or missed payments. On XX/XX/XXXX the loan servicer, XXXX XXXX XXXX ( XXXX  ), discharged the loan and US Military Veteran XXXX XXXX XXXX XXXX XXXX. Shortly after this happened, XXXX reported to the credit bureaus that this account was delinquent. In short time, XXXX had this corrected. In XXXX of XXXX, XXXX XXXX  again listed the account as derogatory with first delinquent date in XX/XX/XXXX and that the account was a settled debt/charge off and paid for less than amount agreed. I disputed this information with the credit bureaus and with the loan department at XXXX  at that time and they stated that the information was correct. I filed a complaint with CFPB and the Office of the Chairman from XXXX  contacted me and resolved the issue and sent corrected information to the credit bureaus in XX/XX/XXXX to correct my credit reports and to list the account as " Settled in full ; No Delinquencies Reporting ''. Equifax and XXXX  had corrected my reports, but by the time they had corrected, XXXX  had changed their reporting, so I had to dispute again. XXXX  eventually updated their information to the correct account status once I sent copies of the letters from XXXX, but then Equifax in XX/XX/XXXX reverted the account back to being a derogatory and as a Charge Off. XXXX sent another letter in XX/XX/XXXX listing the account as Paid ; Closed account as XX/XX/XXXX. Equifax changed the account status as Paid ; Closed  Account as XX/XX/XXXX, but still listing the account as a Charge Off and lowering more score. The account is not a Charge Off and the Office of the Chariman has asserted in the letter sent to me on XX/XX/XXXX that it is not a charge off and it was not delinquent. So, I contacted XXXX  again after disputing with Equifax at the beginning of XXXX the Charge Off comment on my credit file because Equifax stated in my dispute result that XXXX  confirms it as a Charge Off, but when I call XXXX  they say that it isn't being reported as such and continue to send me the same letter. Equifax also has this account reported twice on my report ; once as bad and once as good. 

While writing this complaint, I spoke on the phone with a representative with the recovery department at XXXX and he stated that a supervisor assured him that XXXX is reporting this account as paid as agreed and not a charge off and that it is a credit bureau issue of not reporting it correctly. This complaint is solely against the bureaus not reporting correctly. 

I will send the letters I have from XXXX  that state the account is in good standing and that it has never been delinquint/derogatory/charged off if requested. The account number ends in XXXX.
Product: Credit card

In XXXX of XXXX, due to not receiving mail yet due to moving, I did not know that my Sam 's Club account had been charged with the annual fee. I was notified via XXXX XXXX of the late payment and I immediately called and payed the payment. At this time they decreased my limit. Due to this when making purchases at Sam 's Club, we utilized my husband 's account. I was waiting for review to have a higher credit limit. The decrease credit limit was the first negative action towards my credit history. 

Today XX/XX/XXXX I received through XXXX XXXX, they closed my account with out warning, due to inactivity. The 2 nd negative action towards my credit history. I called this same date asking them to reactivate my account, that I did not have any notification that this would happen and If I would have known, I would have used it. They declined from doing this stating they can close the account at any time for any reason. They suggested I reapply, which would make a hard inquiry on my credit history and negatively affect again.
Product: Debt collection

The amount for the debt is for $ XXXX I have no knowledge of this account I did receive a debt validation letter this account does not belong to me account open XX/XX/year> with sunrise Credit services account number XXXX this account was open fraudulently
Product: Credit reporting or other personal consumer reports

Someone opened a XXXX credit card in my name without my knowledge and it has a balance of {$2000.00}. I have put in a dispute with Experian and am calling XXXX about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

the car at question is a XXXX  XXXX XXXX the company is Mercedes Benz financial the account is not mine
Product: Mortgage

GreenTree-DiTech MortgageI understand if someone needs to leave paperwork at your residence in reference to your mortgage. However, Strangers looking through your windows and taking photos is the worse violation that can be committed. I have notified many because of safety concerns.
Product: Vehicle loan or lease

Please answer each Fact stated in the Affidavit of Truth. These and all other attachments/ Exhibits were received by Wells Fargo on XX/XX/2021. Please stop sending copies of contract and database transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/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 XXXX XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Bank account or service

Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to equifax.com about unauthorized credit inquires listed on my equifax.com credit file. They never investigated them. I submitted documentation and they never investigated them. I have a right under the fair credit act to have them investigated by each company. I sent the letters for them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit card or prepaid card

I use cash app to load my unemployment benefits on XX/XX/XXXX I was unable to use my card at the atm. I reached out to cash app and was not helped with this. I put in a report with your agency and Cash app support reached out to me and let me know there seemed to be a issue with my personal information and my unemployment information and that I needed to send in proof that everything belonged to me. I sent out this information two weeks ago and haven't heard from Cash App since. Nothing confirming they received the information and they are working on it. I have been without access to my funds for almost a month now. The unemployment that was issued to the account is still frozen. There company doesn't have any live person to speak to this is frustrating and depressing. I have been receiving deposit prior to this issue before with no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to resolve this error with Equifax for 3+ months and they continue to wait for the bank to get back to them on the information on the report, instead of realizing that they are never getting back to them. 

I had the same issue with this bank and the credit reports with the two other bureaus and they both came to a conclusion to remove the late payment on my report after waiting 30 days from the original date with no response. 

I am not asking for anything crazy, I am just trying to remove a false derogatory mark on my report and move this forward, this waiting game is hurting my credit score by over 100 points in comparison to the other bureaus. 

My first complaint on this problem was on XX/XX/21 with complaint XXXX. 

The second to get an answer was on XX/XX/21 with complaint XXXX. 

Today I am submitting this on XX/XX/21, more than three months after the original date it has taken to solve this problem. 

If you need a refresher, the original complaint was that I couldn't link my normal bank account with the filing bank where the loan was from so it was impossible to pay the loan on time, I reached out to the bank about this issue with no response and couldn't go in to fix it because the banks were closed due to covid. The online portal to link the bank accounts ( in order to transfer over the funds ) was malfunctioning and wouldn't allow me to wire over money for it. 

If the bank will not respond to Equifax 's investigation in less than 3 months then they shouldn't keep the derogatory mark on my report. 

XXXX, and XXXX both removed this from their reports for this reason. 

I hope you can find a resolution to this problem so I can finally get approved for a loan again, these marks take 7 years to fall off the record.
Product: Debt collection

Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint against all three major credit reporting agenciesEquifax, XXXX, and XXXX their failure to correct inaccurate personal information on my credit reports despite my repeated attempts to resolve this matter. The inaccurate information reported by these agencies is not only a violation of federal law but also continues to harm my ability to maintain a fair and accurate credit profile.

I demand immediate removal of all inaccurate personal information and compliance with federal regulations mandating accuracy and verification.

Violations of Federal Law The credit reporting agencies have failed to comply with several federal laws regarding accurate and verifiable reporting, including but not limited to : 1. 15 U.S. Code 1681i Procedures in Case of Disputed Accuracy Under this statute, credit reporting agencies are required to investigate disputes thoroughly and correct inaccurate information. Despite providing clear documentation of my correct personal information, the agencies have failed to rectify these inaccuracies. This constitutes a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S. Code 1681e ( b ) Compliance to Ensure Maximum Possible Accuracy Credit reporting agencies are legally obligated to ensure maximum possible accuracy of all information reported. The continued presence of incorrect personal details on my credit file indicates their failure to meet this standard.

3. 15 U.S. Code 1692e False or Misleading Representations Reporting inaccurate personal information on my credit file amounts to a false representation of my identity. This misrepresentation creates unnecessary obstacles for me in maintaining my financial reputation.

4. 15 U.S. Code 1692f Unfair Practices in Debt Collection The failure to accurately report my personal information can result in incorrect or unfair collection actions against me, creating additional financial and emotional distress.

5. Truth in Lending Act ( TILA ) Accurate and verifiable credit reporting is essential to ensure fair lending practices. Inaccurate personal information undermines my ability to obtain fair credit terms, in violation of the principles outlined in TILA.

6. 15 U.S. Code 1681n Civil Liability for Willful Noncompliance The repeated failure of these agencies to correct the inaccuracies after being notified demonstrates willful noncompliance with the FCRA, making them liable for damages.

Impact of Inaccurate Reporting The failure of the credit reporting agencies to maintain accurate and verifiable information has caused significant harm, including : Credit Denials : Incorrect personal information undermines my credibility and leads to unwarranted denials of credit applications.

Identity Verification Issues : The inaccurate information has caused unnecessary delays and complications in financial and personal matters requiring identity verification.

Emotional Distress : The continued presence of incorrect information has caused stress and frustration as I attempt to rectify these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IA NOT A COPY AND PASTE I NEED MY CREDIT FIXED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding XXXX over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX
Product: Credit reporting

Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.
Product: Bank account or service

I have been receiving the following email for several months about XXXX a week from Regions Bank. 
I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them. 
Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images. 
Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history. 
Because we value your time, we are emailing this information to ensure you are notified as soon as possible. 
Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account. 
Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page. 
Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX. 
Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails. 
Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX. 
Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to formally dispute inaccurate and incomplete credit information that is currently included in my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, and every effort must be made to ensure the accuracy and correctness of the reported information. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes, in accordance with FCRA 15 USC 1681. Failing to provide such evidence, the items must be promptly deleted from my credit report : XXXX XXXX  XXXXXXXX
Product: Mortgage

Freedom Mortgage told me that my Covid 19 forbearance ended as of XXXX but did not let me know about the following ; XX/XX/2021 the end of the COVID-19 National Emergency Up to 6 months Up to 6 months ( if the initial COVID-19 Extension period will be exhausted and expires during the COVID-19 National Emergency ) 0 Up to 12 months ( if the Borrower or the HECM is eligible for the additional COVID-19 Extension period ) They sent me a loan modification to myself and my son who lives in XXXX NY. I live on the premises concerning this mortgage. 
I and my son sent individually the signed loan modification and I called to confirm their receipt but they kept sending me the same loan modification documents and when I called why they kept sending me the documents again when I had called to confirm receipt of both they didn't know the reason. Each time I called the representative couldn't answer the questions that I asked and kept me hanging on the phone. During this time I had submitted an unemployment form confirming that I am unemployed at this time currently seeking a job in Accounting. I have sent messages to Freedom Mortgage weekly and they have been unanswered even though I receive a email confirmation that they would respond in 3 business days which they have not. They tell me that my mortgage payment is due XX/XX/XXXX but I have messaged them that I will have to contact a lawyer if this isn't resolved. I have requested that Freedome Mortgage call me by a representative who is knowledgable about my account but I have yet to hear from this. This has been going on since the second week of XXXX. I am frustrated and will have to seek legal counsel soon.
Product: Checking or savings account

I have contacted them numerous times. I have emailed all documentation. Nobody responds or has contacted me. Meanwhile fraudulent account is opened under my name and ssn and nobody has done anything to help me.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account CAINE & WEINER XXXX immediately.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below :??? XX/XX/2019 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.