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

I have been disputing and challenging Respectfully XXXX, Transunion and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my Transunion that needs to be deleted, this derogatory item is not on my XXXX or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and XXXX, Transunion and XXXX has been sharing my information with other financial institutions and companies without my Consent.
Product: Credit card or prepaid card

Hello, My mother-in-law received an unsolicited pre-paid debit card from netspend.com. My mother in law is elderly and very upset and concerned about the card arriving unexpectedly in the mail and the potential effect to her credit. After, explaining to her the nature of the solicitation she is now aware of the tactics used by such unscrupulous companies. Netspend.com is practicing in predatory behavior by sending these un-requested cards to individuals, especially the elderly. This behavior can not be allowed. 
Thank you.
Product: Credit reporting or other personal consumer reports

I've sent each copy of inaccurate information reported to Equifax, XXXX and XXXX regarding XXXX XXXX XXXX monthly late reporting. Each agency is reporting different information from XXXX XXXX XXXX. I've asked for this information to be deleted from my report due to inaccurate reporting.
Product: Mortgage

I had a mortgage with JP Morgan Chase and was in the process of a loan modification when my home was loss in a fire. I received a settlement check for {$190000.00}. I owed a mortgage balance of {$120000.00}. I have tried to get an accounting of the balance. I did not sign the check which was made out to me, JP Morgan Chase, and XXXX XXXX. I just want to know why my home was never rebuilt and who took the money.
Product: Student loan

I requested a refund from Aidvantage at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all my loans held by them and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I can see the loan balance restored on my account, but I have not received a refund and I have not been given any clarity about how I would be receiving the refund.
Product: Credit reporting or other personal consumer reports

This is additional documents for complaint XXXX. The evidence will show that NCA conducted gross misconduct, negligence, fraudulent and incorrect reporting. How are you reporting a balance with an additional XXXX dollars?? When supposedly you do not add fees. The original creditor did not acknowledge that your company was owed anything. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. I am a victim of a data breach, and these items were added without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX. XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$18000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$230.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9800.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax, XXXX, and XXXX have gravely abused their power. I sent correspondence via USPS regarding this violation. The first attempt was on XX/XX/2023 ; the second attempt was on XX/XX/2023. Nothing was done by either. I started reading the laws regarding the FCRA. From my understanding, the Fair Credit Reporting Act was created to promote consumer information 's accuracy, fairness, and privacy. I was not given that chance. The agencies listed above violated all rights reserved for me and willfully failed to comply with all codes listed. 

1. FCRA 15 USC 1681a ( 4 ) states, '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' The agencies mentioned earlier did not comply, and I am the consumer. ( b ) it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements. 15 USC 1681 ( 2 ) EXCLUSIONS - a report containing information solely about transactions or experiences between the consumer and the person making the report. REPORTING TRANSACTION HISTORY IS ILLEGAL. 

2. 15 USC 6801 states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) it is a financial institution by definition under that title. 


The financial institutions and any consumer reporting agencies Equifax, XXXX, and XXXX do not have my permission to furnish this information, whether written, verbal, nonverbal, implied, or otherwise, is REVOKED.
Product: Credit reporting or other personal consumer reports

The accounts in question ( Dept of Edu/Nelnet ) all transfered to XXXX in XX/XX/2023 ( Please see Transfer Letter and XXXX Payoff and XXXX Balance attachments ). However, although Nelnet shows a {$0.00} balance, they have not closed the accounts or reported them to XXXX as paid off, so my credit report shows the same amounts for both Nelnet and XXXX ( see XXXX attachment ). The Nelnet accounts show as open and 0 % paid for each amount and this has already negatively affected our credit and ability to get a better car loan. I filed a dispute with XXXX in XXXX, but they resolved that we must contact Nelnet because the accounts are still open. I contacted Nelnet on XX/XX/23 and was told that nothing can be done because their bank has a " credit suppression '' hold. This is unacceptable. The accounts, by law, have to be closed and reported to all three credit agencies, including XXXX, as paid in full and closed. Nelnet refuses to take these rightful actions.
Product: Credit card or prepaid card

I have had a Kohl 's store card for years, and Kohl 's recently decided to change this to a Rewards Visa through XXXX XXXX automatically. There is a fundamental difference between a store credit card and a XXXX card that can be used anywhere, and I did not accept the risk associated with a XXXX card when applying for this store card. I spoke to two people at Kohl 's Credit and two at XXXX XXXX and none of them could tell me why or how I was selected for this change, only that my store card was no more. However, XXXX XXXX was keen to tell me that this was an " upgrade, '' and I could now use the card anywhere. 

Additionally, there is no indication on Kohl 's credit website that there was a transfer or that there would be a new way to log in. This prompted me to have issues logging in, as my account was no longer in the old system. Again rather than advise about this when attempting to get in, it kept locking the account, so I called in only to be advised of the change and redirected.
Product: Credit reporting or other personal consumer reports

Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 of an identical hard inquiry on my TransUnion report and after many calls finally talked to someone that was able to remove them, but one of them still remains. 
XXXX CA XX/XX/2017 There is also another one that is on my report for XXXX XXXX and that shouldn't be there either. The date for the inquiry was XX/XX/2017. 

Both of these are not something I authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information to Experian several times about a company called XXXX, who has been reporting to my credit report since 2004. Information on credit reports are not supposed to say longer than 7-10 years for starters. XXXX PROPERLY reports an account as closed and discharged in a Chapter XXXX bankruptcy with EVERY credit reporting agency, EXCEPT Experian. Experian has continued to allow this company to report negative, incorrect information to my report. I have followed all their rules. I have uploaded all the documents, certified copies from the court, copies of other credit reports, STILL they allow this to go on. THEY NEVER contact me when the " dispute '' has been " verified '', I have asked REPEATIDLY for them to send me PROOF of HOW they verified it, they won't. When I try to dispute it again, they say it has already been verified and I am not entitled to dispute it again. I AM BEYOND frustrated and do not know what more I can possibly do to get them to get this cleared up. PLEASE HELP!!! It is unfair and violates EVERYTHING about the FAIR credit reporting act. 

Attached is a copy of the closed account from XXXX XXXX showing the account closed in XXXX and XXXX XXXX. THIS is accurate. Now, if you can get EXPERIAN to update THEIR information CORRECTLY and STOP telling me they HAVE verified it as open and active.
Product: Debt collection

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. 

I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. 

Sincerely,
Product: Credit reporting

My issue is that I am having trouble getting to the bottom of a credit alert that appeared in my XXXX account. As a XXXX impacted by the XXXX breach, I registered for this monitoring service. I received an alert, reported by Equifax, that a new XXXX XXXX account was " reported ... on your Equifax Credit Report. '' XXXX provided a phone number to call if I suspected fraud so they could follow up on the alert, but the only automated options available on that phone number were for opening new accounts with them, necessitating a PIN provided by OPM. But, I of course had already done that. There was no way to reach a person to talk to about the reported information and my concern. 
I then called XXXX XXXX to see what I can find out there. I did get to an individual in their credit bureau, but she could not find any account with my name or ss # -- other that an XXXX XXXX card I already have -- and suggested that I call Equifax to get the account information from them. At least I was able to talk to someone there. 
I then called Equifax, and again entered the automated system without any ability to talk to an individual in order to explain my situation. I was, however, able to establish a fraud alert for 90 days, through their automated system, and they indicated they would share the information with XXXX and XXXX. 
But, my concern now is that someone may have indeed opened an account with my ss # and, possibly, other identifying information, and could be creating problems for me. But, without more details on what led to this alert, XXXX XXXX seems unable to follow up from their end. 
Frustrated with not getting any satisfaction with XXXX or Equifax, I tried calling XXXX at various numbers. I was unable to reach anyone, even at the Director 's office ( can you believe nobody answers the phone at the Director 's office? ). Their office responsible for XXXX had no way to contact them either, only providing the XXXX phone number that I had already tried. 
Thanks you in advance for any assistance you can provide in this matter. I have attached the screen shot of the alert from XXXX page.
Product: Credit reporting or other personal consumer reports

Santander never updates my credit report which makes me debt to income ratio higher on my credit report. My credit report has not been updated since I last did a dispute with my credit bureau of XXXX back in XXXX. It is XXXX and my credit report still has not been updated. Also, they charge me late fees before my ten day grace period. I still believe I should have not had no late fees or charges at all this year. 
Every time I make a payment within my grace period it does not show on the bill until days later. You all did this to my XXXX bill as if I was late and I have a email saying it was paid within the grace period but the bill shows that XXXX is the last payment. 
You all are charging people for late fees and writing incorrect bills when payment is made timely.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed my credit report and notice unauthorized inquiries impacting my credit score. I have not consented to these inquiries, and they were added without my knowledge.I request their removal from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I inherited a home in XXXX. I changed cancelled the homeowners policy already in place since it was in my deceased partners name and obtained one in my name with the same insurance company and same coverage. 

The mortgage company wont accept this insurance saying the home is still in my deceased partners name though the title is now legally in my name. Because of this the mortgage company forced me to use their homeowners insurance which is a tremendous increase in my monthly payment. 

I have sent them copies of paperwork showing I now legally own this home and have homeowners insurance in place. They wont accept this. 

The increase in my PITI is huge, {$300.00} a month, and a tremendous hardship. I am hoping you can help with this.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Reference : Transunion - XXXX # XXXX XXXX XXXX I am writing to formally address an issue I have encountered with XXXX XXXX, a lending company that has placed an invalid negative note on my credit report. On XX/XX/year> I made my mortgage payment {$1700.00} through XXXX XXXX XXXX  application, Following day on XX/XX/year> XXXX XXXX  removed this application and announce launch of new app.. 
XXXX months later I found out that my payment never went through, I have history of 15 years of loan payment with never missed payment This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c. 
Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report XXXX XXXX has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score. 
Please review attached email correspondence with XXXX XXXX I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with XXXX XXXX and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence XXXX XXXX  ]
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Mortgage

I have attached relevant documents, including bank statements, correspondence with US Bank, and any other supporting evidence to substantiate my claim. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your assistance in rectifying this grave error and holding US Bank accountable for their actions. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find unauthorized inquiries on my credit report today, with no explanation for their presence. Ive tried troubleshooting on my end, but nothing has changed. Please review my submitted documents immediately to ensure this matter is fully resolved and wont happen again.