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

My XXXX balance is at {$0.00}. It still shows that I have a balance on this credit card but I do not. This has to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 In which I have repeatedly stated that bankruptcy info listed in my credit report is inaccurate, I've also requested that Equifax provide all documents that Equifax is required under 15 USC 1681g to have hard copies of on file. If Equifax does not have the required documentation, Equifax is required under FCRA 1681i to delete the report. I've also cited FCRA 623 ( a ) ( 5 ) which states if Equifax can not validate the information it must be removed. I've also cited FCRA 609 ( a ) ( 1 ) ( a ) with requires Equifax to verify information through physical verification, each time Equifax has denied my request to provide physical documentation, and has instead cited XXXX as the source of their alleged validation, which is completely in violation of FCRA 623 ( a ) ( 5 ). I've also cited XXXX XXXX XXXX. XXXX, XXXX XXXX , Et Al., v. Equifax, where Equifax has violated the FCRA. On my credit report from Experian it shows someone used my last name, a different address and variation of my SS #, this is obviously why a bankruptcy is showing up on my credit report, which could be easily done by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus have incorrectly and negligently continually report fraudulent accounts on my report FOR YEARS AND HAVE DESTROYED MY CREDIT FOR YEARS! Now it has HINDERED ME FROM GETTING EQUITY LINE! ITS ABSOLUTELY SO EGREGIOUS CONSIDERING THE CREDIT BUREAUS HAVE BREACHED MY PERSONAL DATA SEVERAL TIMES INCLUDING XXXX BREACH 2017. I DISPUTE ERFORS THAT THEY HAVE NOT VERIFIED THE VALIDITY OF THE ACCOUNTS! I ASKED SEVERAL TIMES FOR ORIGINAL VERIFICATION OF ACCOUNTS BECAUSE THEIR ARE SEVERAL DISCREPANCIES AND STILL HAVE NOT REMOVED THE ACCOUNT. IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THEY HAVE VIOLATED MY RIGHTS MULTIPLE TIMES FOR YEARS AND DESTROYED MY CREDIT OVER THE LAST 6,7 years or so! THIS MYST BE RECTIFIED ASAP! THEIR MUST BE ACCOUNTABILITY WITH THE 3 CREDIT BUREAUS! XXXX, TRANSUNION, XXXX
Product: Debt collection

I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.
Product: Credit reporting or other personal consumer reports

MY CURRENT NAME AND ADDRESS AS OF XX/XX/year> IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

This will be my fourth complaint with Wells Fargo. I appreciate your efforts in getting the checking and savings accounts removed that were unauthorized. I reviewed your response about the secured credit card and would like to follow up. First I tried contacting Wells Fargo credit card customer service today, since in your last response you advised me that the secured card is mine and that you denied your claim. So when I called in to ask where the card is they say I activated since I never actually received one. In fact my mail was actually being forwarded and I just recently fixed this with the USPS. So when I asked the agent if she knows where the card is or if I can be sent one since I explained about the identity theft and how I actually never received a card, nor bill, nor even a call for that matter. She demanded I pay the past due balance immediately being as I never even received any bills or card. I asked when I would receive a card since I was told by Wells Fargo that this is my account. The supervisor told me they cant send a card until I pay the past due. Further explaining to her that I never received a card in the first place nor even a bill I asked if she could wave the late fee since I had no idea it was late in the first place. She said they cant waive it, nor can send me a card. So I paid the past due after she kept demanding it. What I am wondering now though, where is the card? You say that I received it and activated it, yet truly I did not? I would like the card, and to be able to pay online if this is actually my account? How can I go about this? Im truly upset that I am trying my very best not to hurt my credit. I didnt even know that a card was sent in the first place. Secondly I do eventually want to bank with Wells Fargo since I havent ever in the past. Going forward when will I be able to do so? When will I receive a card for the secured account you say that is mine? I never received a card to begin with. Wheres the bills going for the account? How do I obtain access to pay online? These are all unanswered questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Sent a WRITTEN DIspute to Experian on XX/XX/2025 with a copy of my XXXX driver lic. 
They ignored it and sent me a letter pretending that they didnt think it was me sending the letter even though I sent my ID! Furthermore the FONT SIZE they used was soo small on a 8.5 '' x 11 '' sheet of paper you could fit this font and letter on a medication bottle! Either their employee did not want to do their job. or EXPERIAN just doesnt care to investigate and tries to blow people off hoping they go away! I spoke with other people that said they got the same BOGUS letter with TINY FONT when they sent in a letter to dispute! EXPERIAN NEEDS TO BE INVESTIGATED and FINED! This is unacceptable and they are giving the middle finger to the American Consumers when they send this letter out like that! Plus its a lie they dont believe its me who sent my id. Whose going to send a dispute on my behalf without my consent! PLEASE GET AFTER THEM or GIVE TO TRUMPS NEW STAFF TO ADDRESS on behalf of the American people!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, experian, XXXX failure to provide evidence of thorough investigation while claiming the account is accurate violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which requires a reasonable investigation of disputes. Additionally, these actions may breach the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) .This is particularly concerning given the consumer financial protection bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) highlighting similar violation by XXXX, Experian and XXXX. I urge the CFPB to ensure XXXX, Experian and XXXX adheres to federal law and provides consumer with proper proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : //www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and XXXX. l also called Experian, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

XXXX
Product: Credit card

YOUR COMPLAINT Package was returned to XXXX. XXXX shipped my package to the wrong return address. I contacted XXXX telling them the situation and got them to sign the lost form that XXXX provided me. ( How much the product was worth ). XXXX deemed that it was there fault that they lost the package and said they would refund me after I return back the form they supplied me. I submitted the form and now they won't refund me. I've been battling this dispute for almost a year now. I reached out to Apple Card Goldman Sachs to file a dispute, I provided all the evidence and chat logs that I had with both UPS and XXXX. Since mid XXXX now Apple Goldman Sachs keeps denying my claims, forcing me to reopen the dispute every time. I've been disputing {$620.00} and have just reopened it again today ( XX/XX/XXXX ).
Product: Debt collection

I received a letter from the company, when I called to try and find out what it was about some lady with an XXXX accent refused to tell me and demanded money
Product: Credit reporting

I need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX
Product: Mortgage

I fell behind due to loss of income due to covid, work injury and reduction of work hours. I have tried over and over to work with them to get current. They told me my loan is a XXXX XXXX XXXX and it is not. I have a XXXX loan and have verified with XXXX that it is a XXXX loan. We have sent the loan documents over to prove itXXXX XXXX  has written to them on several occasions stating that it is a XXXX and to stop the sale to review for loss mitigation options offered by XXXX The rep from XXXX send them servicing guidelines to service the loan and they are still refusing nor are they admitting that they made a mistake on how they marked this loan. On the loan documents it clearly states do not mark as a XXXX XXXX XXXX ( attached ). So today when I called they are now telling me to fill out an application but it takes XXXX to XXXX business days to be reviewed. THIS SHOULD TELL YOU THIER INTENT. SO I AM GOING TO LOSE MY HOUSE DUE TO THIER ERROR????? IS THIS FAIR TO ME? THESE PEOPLE ARE HORRIBLE!!! HERE IS WHAT SHE WROTE TO THEM THEY REFUSE TO LISTEN TO HER Good Morning I was able to locate the loan for XXXX XXXX loan # XXXX and we do not service the loan we are just the guarantors of the loan. The lender is who services the loan and per our program guidance all borrowers who are in a default status must be reviewed for servicing if they are currently living in the house so they can bring the loan current. 



The foreclosure should be stopped so the borrower is evaluated for all servicing options under our XXXX loss mitigation handbook guidance I have attached, I have also attached our user guide for XXXX If you have any questions, please feel free to contact me. 



XXXX XXXX XXXX and XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Department XXXX XXXX XXXX XXXX XXXX | XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Fax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX  XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX  XXXX XXXX Please eradicate the accounts mentioned..I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent certified mail to the following Credit Bureau Transunion, XXXX and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : XXXX XXXX XXXX XXXXXXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXXXXXX reporting. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also. Also, attached will be a Transunion proof of removal for me filing complaint due to my federal consumer rights being violated.
Product: Bank account or service

On XXXX/XXXX/2015 I was induced in opening a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX Miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX Miles to be deposited into my account by the XXXX XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting the XXXX XXXX Miles. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Credit card or prepaid card

Hello, I called the  XXXX  representative about the interest charged during CY   XXXX  . I pay more than the minimum balance each month and I am being told that a 6 month promotional offer expired and I was charged interest for not paying the card in full in addition to the revolving balance I carry each month. The representative says the card works this way as any no interest term offer is automatically offered to members and interest is charged if not paid in full and is indicated on statements. I paid a total of {$670.00} to date in  2017  and was charged {$420.00} in interest. Please investigate.     Thanks,  XXXX   XXXX   (  personal cell )  XXXX  ( office cell )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. 

In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX  XXXX. The account that I am disputing is American Express. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$1500.00}, with an amount past due of {$530.00}! I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. American Express has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent police report and all inaccurate information XXXX pd number XXXX
Product: Mortgage

Rocket Mortgage is trying to force me into paying for an additional home insurance policy that I don't need as well as force me into setting up an escrow account. I have already supplied them with documentation that I already have an insurance policy ( see attached ), but they still want me to charge me an additional {$2800.00} for an additional policy.
Product: Debt collection

I filed a complaint with the BBB on X/XX/17 as the company, NCC Business Service, has yet to validate the debt that they are reporting to the credit bureaus.I have spoken with XXXX XXXX XXXX on X/XX/17 and they stated that they have no record of the file. On X/X/17, the BBB sent an email stating that they were closing the complaint as the company failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2018 i have submitted disputes to transunion via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there method of MOV was and who reported the information a few days later i have received a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) AND ( XXXX XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15 days! I HAD information come off of BOTH XXXX  and XXXX THAT WAS PROVED INACCURATE IF TRANS UNION WOULD DISPUTE THIS INFORMATION LIKE THEY ARE SUPPOSED TOO IT WOULD ALSO BE REMOVED FROM THEIR SYSTEM I BELIEVE THEY ARE NOT READING MY LETTERS THAT I HAVE SENT WHICH I HAVE COPIES OF AS REQUESTED AND I HAVE THE RETURN RECEIPT AS WHICH THIS HAVE RECEIVED THIS LETTER. ( XXXX XXXX XXXX ) WAS REMOVED FROM ALL FOR BEING INACCURATE EXCEPT THEM BECAUSE THEY DID NOT DISPUTE!