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

Auto loan with chase bank, is reporting false information, therefore the information should be removed all together. I spoke with chase bank and they stated that they sent a letter to correct the false information and two other agencies already corrected this months ago ( XXXX and XXXX ) But XXXX refused to fix and report truth and also refused to put a statement on my file explaining the issue
Product: Debt collection

XXXX  XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Citi Bank is not allowing me to dispute charges on my credit card. Their online interface for disputes says that it is temporarily down. However, after waiting months, it does not change. I was told that I could instead call. However, when I call, I am not helped and instead passed back and forth between the fraud department and disputes department. When I send mail, I am told that my disputes are too old and I did not contact Citi soon enough, even though I had tried to have these disputes initiated within XXXX  months.
Product: Debt collection

I get repeated calls from a collection agency called Midland for a very old debt about 12 years old. I get calls during work, on weekends and I do not appreciate the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Experian has stated that the company that reporting account XXXX has certified to Experian that the information is accurate and as a result the item was not changed. I do not believe that Experian contacted this company to validate this account. I contacted the creditor, and they were not able to verify the details of this account. Experian is reporting inaccurate payment history and the date last active. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request the Method of Verification for this account. Please provide the following details in response to this dispute : Who verified the information for this account? 
What specific documentation or evidence was used to verify this information? 
What steps were taken to ensure the accuracy of this information?

As required under FCRA Section 611 ( a ) ( 7 ), I am entitled to understand the process and sources used in the verification of disputed items. Please provide me with this information within 15 days of receiving this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX  This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments XXXX Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

CREDIT COLL : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX Experian Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written or verbal authorization for this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a complaint against Nelnet in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted Nelnet. Nelnet is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

Nelnet continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( XXXX XXXX ) blames Nelnet for reporting account balances after loans where consolidated XX/XX/XXXX.  There seems to be some conflict between the credit agency and what Nelnet is reporting and I am arguing with the credit agencies and Nelnet.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX TAB BANK XXXX CAPITAL XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to report my authorized user account from XXXX  XXXX credit card ( Account Number : XXXX XXXX XXXX XXXX ), despite confirmation from XXXX  XXXX that they have sent the account information to all three major credit bureaus, including Equifax. 

Background of the Issue : I was added as an authorized user on the above-mentioned XXXX XXXX credit card ( XX/XX/year> ). 
XXXX XXXX has confirmed multiple times that they report my account to all three credit bureaus ( XXXX, XXXX, and Equifax ). 
My XXXX and XXXX credit report reflects the XXXX XXXX account correctly. However, Equifax has not reported this account. 

I previously filed a complaint with the CFPB against XXXX XXXX regarding this issue. In response, XXXX XXXX confirmed that they are correctly reporting to Equifax and even sent an additional request to Equifax ( Confirmation Number : XXXX ). 
Despite this, my Equifax credit report still does not show the account. 
Steps Taken to Resolve the Issue : Contacted XXXX XXXX, which confirmed multiple times that they are reporting my account to Equifax. 
Filed a CFPB complaint against XXXX XXXX, which resulted in them resubmitting my account information to Equifax. 
Waited for Equifax to update my credit file, but the account remains missing. 

Attachments : Copy of my Equifax credit report showing the missing XXXX XXXX account. 
Copy of the CFPB response from XXXX XXXX confirming they report to Equifax.
Product: Checking or savings account

The following fraudulent withdrawal was allowed from my savings accound by bank of America : Posting dateXXXX XXXX XXXX Description XXXX  XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TypeDebit StatusCleared Amount- {$9200.00} DescriptionXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I live between XXXX and XXXX XXXX . I have not been in XXXX XXXX. I was not notified by text or email about the withdrawal or requested a code to be texted at my phone. I have not been notified from the fraud department when my money are going to be reinstated in my savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with Experian, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts states that I opened the account in XXXX of 2017. Which is not correct and fictitious
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company continues to call with different numbers, despite my previous CFPB complaint about their repeated calls from different number. I asked the company to cease and desist with their attempts. And every day there is a call from a new number
Product: Mortgage

On XX/XX/XXXX I sent a message to Freedom Mortgage requesting that the PMI on my mortgage be removed since I had just an appraisal completed in XX/XX/XXXX. The LTV of my property was well below the required 80 % then and they refused to remove the PMI, stating that the appraisal was not enough, and I needed to pay another {$150.00} for a " XXXX '' to prove the value of my property, just two months after the appraisal was complete. Fast forward to XXXX, same scenario, I had second {$400.00} Freedom acquired appraisal completed XX/XX/XXXX, in XXXX I requested the PMI to be removed ( WAY below 80 % ) again, they refused. One of their " customer service reps '' even went to the extent to tell me I was lying, and no such appraisal existed, and Freedom had no copy of appraisals on file, but the appraisals have Freedom 's information listed as the requester. In XX/XX/XXXX, I located the email addresses for some " higher ups ' in the company and sent them a friendly email to explain the past two years to them and funny thing, I got a call the next morning and finally XX/XX/XXXX no PMI on my mortgage statement/payments. However, that still does not resolve the past TWO YEARS of unnecessary PMI payments ( XXXX XXXX XXXX ) that I've been forced to pay when I shouldn't have had to pay those! I've continued to message Freedom Mortgage in reference to this to try to resolve this issue only to repeatedly receive a generic message " thank you for contacting blah, blah, blah further research is required '' XXXX. They know this is a violation of the HPA/PMI Act and they could care less. My question is, how many other customers are they doing the same thing to?
Product: Money transfer, virtual currency, or money service

XX/XX/2020 tried to link my debit card to an online payment account to buy somethinr
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. I sent a dispute to XXXX, Transunion and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, XXXX  or Transunion. I have been disputing this for 9 months and the bureaus XXXX, XXXX  and Transunion are not legally reporting the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card issuer - XXXX XXXX - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).
Product: Credit reporting or other personal consumer reports

DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS XXXX 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 card or prepaid card

The original account was with XXXX XXXX XXXX  and they sold it to LVNV Funding, LLC c/o Resurgent Capital Services, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. In the process of collecting the outstanding balance, they violated several of Fair Credit Reporting Act ( FCRA ) rules. I will enclose a copy of my credit report and the letter I had forward to all three credit bureaus ( XXXX, XXXX, and XXXX  ) proving the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/1966 Last 4 : XXXX Experian, XXXX and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like Experian, XXXX, XXXX to remove the account, because they were not able to validate the debt under FDCPA.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I contacted Bank of America on XX/XX/XXXX to continue with my forbearance as I received a letter from the bank for me to call whether I will continue or not. 
The representative requested for me to call back on the 1st week of XXXX as it was too early to request the 2nd forbearance. 
I contacted BOA on XX/XX/XXXX, I was informed by their representative that my mortgage was sold to a new servicer. When I asked the representative as to why I was not notified of this change, she informed me that there was a letter sent out on XX/XX/XXXX ( after I asked for continuation of forbearance ) stating that I have a new servicer. 
I asked the rep as to why on XX/XX/XXXX call the other rep did not inform me of this change, she had no answer. Also apologized that I did not get a letter. 
I received a loan modification forms stating that I have applied and requested which is not correct. I have not applied for a loan modification. 
I contacted the new servicer, they can't help me as I was informed and was requested to call back BOA. 

I called BOA on XXXX, informed that they can't help me. 

I requested to talk to a manager, who informed me that they don't do forbearance any longer and apologized for the confusion. 

I requested compliance line to file a complaint with BOA, i was told that I could only file the complaint with them. I filed complaint. 

I do feel that BOA is retaliating against homeowners utilizing their rights when needed, and selling the loans to different providers due to fear of losing money. 

The lack of transparency and dishonest practices, I feel like my rights are violated. I was flagged utilizing my very right, and was retaliated against due to insisting on practicing my rights.
Product: Debt collection

As below : they acknowledged my request to not call my place of business and then called this morning and violated that.I have a voicemail to prove that. 

********************************************************************* You have now violated my request and called my place of business again. I know that you can be fined for this. If I have to get a lawyer I will. I am not allowed personal calls at work. Cease and desist. 


From : XXXX Collections & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : RE : ArrowheadAdvance Message ( response ) XXXX XXXX XXXX As you can see we received your email, and will stop the calls to your employer, but what I needed to know is what are you disputing we have a signed contract on file. If this is just something financial then please let us help you. By telling us not to contact you and that you are disputing the loan only makes it more difficult for me to help. If you can please give us a call at XXXX. 

Best regards XXXX XXXX collection Manager XXXX ext XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiries appearing on my credit report and to seek monetary damages for the financial and reputational harm caused by these violations. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, I have the right to dispute any unauthorized inquiries and seek compensation for any harm resulting from these violations.

Disputed Unauthorized Credit Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. CAINE & WEINER # XXXX. Please verify this account. Under the Fair Credit Reporting Act unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized accounts on my consumer report that are linked to identity theft. I did not provide written authorization or a wet signature for these accounts to be included. Following my recent communication with your organization about this issue, I am now formally requesting the immediate blocking and removal of these accounts from my report. 

The presence of these fraudulent entries has caused me considerable emotional and financial hardship, as they misrepresent my credit history and obligations. These inaccuracies have impeded my ability to achieve crucial financial milestones, such as purchasing a home and providing for my family 's needs.