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

XXXX Credit Reporting XXXX Credit Reporting Experian Credit Report All these agencies have negative/inaccurate information on my reports. 
Addresses where I have never lived. 
Names I have never had. 
Inaccurate information or old information that has never been removed. 
XXXX says not enough information to generate a credit score. Which negatively impacts my lack of score. 
None of them report the same information and you can not get the changes made to the reports. This has interfered with my ability to finance a home and purchase vehicles in my name. 
Also the score the banks get and the score the consumers are all different so what are consumers to base their information from. This entire credit reporting system needs to be over hauled. 
This is causing consumers too much money or denial of financing due to inaccurate reports of the 3 major companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my credit cards gave a XXXX balance. But, incorrect balance reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

I have submitted disputes to XXXX, Equifax, and XXXX on how my student loans have been XXXX as of XX/XX/XXXX. However, XXXX, Equifax, and XXXX are still reporting balances on my student loans to Equifax and XXXX. As of XX/XX/XXXX, balances are still showing on my Equifax and XXXX credit reports. In addition, my credit report shows a comment that the creditor ( XXXX ) has been reporting the information correctly ; however, they are still reporting balances to Equifax and XXXX. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my XXXX credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

XXXX has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against XXXX.
Product: Debt collection

This company has called me 2 to 3 times a day every day for at least 2 weeks. I have called them multiple times and asked them to stop calling me. They said they wouldn't call again, but they still do. I feel like I'm  being harassed.
Product: Checking or savings account

On Saturday XX/XX/XXXX I went to use my XXXX XXXX XXXX that had money in it from XXXX  that same day. When I went use the card it kept declining for unknown reasons. I called the customer support number I was given from the app. I spoke with someone on XX/XX/XXXX and was told that my complaint would be sent up to the specialist and would be cleared up within 24hrs. I called back XX/XX/XXXX and was told that no one could help me resolve my issue and that a specialist would have to help me but they werent able to transfer me to a specialist. I was told I would receive a email notifying me about when everything will be cleared and I never received one. I only received a email giving me my claim number. Ive tried calling the customer support number multiple times since then and was unsuccessful with getting through to anyone. Its now been 5 days and Im still unable to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability recovery services account # XXXX idk what this is for but it's not for me it's a loan of {$280.00} n I've never got a loan before I think my ex husband is using my information or has before I'm checking into now ty
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand to Remove Inaccurate Account XXXX XXXX XXXXXXXX, Account Number XXXX Dear Experian Dispute Resolution Team, I am writing to formally demand the immediate removal of the inaccurate account listed under the name XXXXXXXX XXXX  XXXX with account number XXXX from my credit report. Both XXXX and XXXX have thoroughly reviewed my dispute and have determined that this account is inaccurate and removed it from their reports. I expect Experian to take the same action. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the information reported is accurate and complete. The presence of this inaccurate account constitutes a violation of my rights as a consumer under the FCRA. 
Specifically : 1. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy of the information reported.

2. 1681i ( a ) ( 5 ) ( A ) requires agencies to promptly delete or modify inaccurate or unverifiable information following a dispute. Since this account has already been deemed inaccurate by two other bureaus, Experian has no legal justification to continue reporting it.

The continued reporting of this inaccurate account is causing undue harm to my credit standing and financial opportunities. I have attached documentation supporting this dispute, including correspondence from XXXX and XXXX confirming their removal of this account. 
Please confirm in writing that this account has been removed from my credit report within 30 days of receiving this letter, as stipulated by the FCRA. If Experian fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal action to protect my rights. 
Thank you for your immediate attention to this matter. I look forward to your confirmation of removal. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX a collection randomly popped up on my credit report. I have no acknowledgement of this collection ; I did change my phone provider from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> and both parties told me I was good to go and did not have to pay anything else.
Product: Mortgage

Earlier complaint Ref # XXXX ) : Please help me with my complained. They responded with information that I was never told either in written or verbal conversation. 

I applied for refinance with my existing lender Chase Mortgage. I have been with them for last 8 years. 

After my initial complain ( ref # XXXX ) to CFPB, they responded ( attached ) that the disclosure I signed mentioned " out-of-pocket " fee which will be deducted from my deposit. However, they never defined or told me " out of pocket '' fee anywhere on disclosure letter I signed. There is no line item on disclosure statement that states it is " out-of-pocket '' fee. Its not mentioned anywhere in the disclosure statement that I signed. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. 

Now they are saying they will not refund deposit nor approve the loan. I provided them all the papers in-time. Since they had all my data as my current lender and knew that my rate will adjust to a much higher rate, they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. 

I feel they cheated me to get XXXX dollars with intention to raise my interest rate at the last moment. 

1 ) They never disclosed that clearly why my loan was rejected. Every time they provide different reason. For example they provided a different reasons on my loan rejection letter sent to me than one sent to the CFPB response. 

2 ) I tried calling them but they provided phone number in CFPB response letter that doesn't work. XXXX, and select option 0 twice. It just doesn't work. There is no way I can contact them. 



Regards,
Product: Credit reporting or other personal consumer reports

I'm in process of getting misdemeanor on my background expungement and two employers I didn't pass the back ground I really need these jobs they go through first advantage and they went back further than XXXX years for XXXX  XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this one item off my report due to it being over 7 years old with no luck. The account in question is XXXX XXXX Acct # XXXX. I have tried 2 times without any success.
Product: Mortgage

My Mortgage company, OCWEN sent me a letter via XXXX mail on XX/XX/2016 ( Dated XX/XX/XXXX ) stating that my mortgage payment was returned for non-sufficient funds by my bank, XXXX. My account shows that no attempt was made by my mortgage company to get the payment that I had made electronically on the XX/XX/XXXX. I also spoke to a representative at my bank who confirmed that no attempt had been made to cash my payment. I have been paying my mortgage electronically for several months and keep a confirmation notice. There is a default feature at the OCWEN website, which allows me to pay from the same account -- which I did. 
In the letter from my mortgage company, I was instructed to make an immediate payment or I would suffer penalties in additional fees. So, in order to avoid those fees, I sent a rush payment via XXXX. But it still ended up costing me an additional {$45.00} above my regular mortgage payment. I feel that OCWEN was either careless or dishonest in this instance. I wanted a record of this complaint so that they will correct this situation, instead of allowing them to blame me for their incompetence.
Product: Credit card or prepaid card

I needed to get my air ducts cleaned due to getting health problems from the dust coming out the vents.I found a company on XXXX and emailed about my situation.He stated he would clean all the vents for a flat fee of $ 330.I talk to my boyfriend and told him they had a warranty and read to my boyfriend what the company offered..My boyfriend said to set up for them to get cleaned since it had a warranty and I was getting XXXX and XXXX 
Two men came with a big vacuum.The man stated he puts it in one vent and it sucks all the dust out of all the vents. ( to add he told me he was the owner of the company and does it part-time cause he is retired ) I question him about a long fan thing that goes in the vents and spins to loosen up the dust cause I seen it on XXXX and he said they only do that for fire damage..He never looked in the vents when he left.Me and my boyfriend put the vents back up..I told my boyfriend within 2 days I see dust on my tv stand.computer speakers and other things but my boyfriend let me clean everything again and if it still comes out then we will call the credit card company to dispute the charge.To add the Owner wanted Cash and on the receipt it does say cash but when my boyfriend found out I was paying cash he said no way cause I had no protection if the job is not right.He told me always to pay with a credit card for protection..With that said Dust was still coming out the vents and I disputed the charge..I sent the Discover so much proof..Proof of the warranty he had..Proof of text I sent the owner of the vent cleaner that dust was still coming out with pictures attach.I told him I wanted him to come back and use the brush he should of used.We made a date for him to come back.. ( we is I wanted my boyfriend here to take the vents down cause I was sick ) The owner agreed .The he called insisting of doing it the days that we DO NOT agree on and the day I was XXXXHe was very intimidating and grudge but I told him I had all the proof he was and schedule for the next day..Then he just said oh it's your baby powder and hung up..So discover charge me again and oh I did win the dispute and then all of a sudden it looked like they did it again..weird but when I call and my boyfriend being a witness to all and sending then text proof and warranty proof etc they give me all different reasons why they favored the guy who cleaned the vents wrong..Now I have pictures even of dirty vents and Discover is not doing as they are suppose to with a dispute finding in my favor cause I showed them all the proof and the guy showed them nothing.He gave them just hear say and the paper he printed out where I signed after I paid..
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXXXXXX
Product: Mortgage

Response is Fraudulent XXXX Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Product: Credit reporting or other personal consumer reports

Hi, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. They were removed in the past but have been added back without my knowledge. I have not been notified of this change, nor have I received any mail regarding it.
Product: Credit reporting or other personal consumer reports

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX. The XXXX account # XXXX. XXXX XXXX account # XXXX-XXXXXXXXXXXXXX Has violated my rights. and reporting inaccurately. 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.
Product: Debt collection

COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX there was a XXXX  transaction of {$1000.00} to an XXXX XXXX from my USAA checking account. This transaction was unauthorized. I do not know XXXX XXXX. I was the victim of a scam, Mr. XXXX impersonating several people including a tow-man and mechanic. I called someone out to run a diagnostics on my non-running vehicle and they claimed to tow it to do just that however my vehicle along with my phone, and my credit/debit cards were stolen. This person began making transactions on my account ( fraud ) because he has access to ALL of my personal information and unlocked cell phone, so at this point I contacted the police and filed a police report but not before disputing those charges with my banks. Yes banks because XXXX XXXX also stole money from my other financial institutions totaling over {$2000.00}. I requested several reviews and appeals and even took it as high as the executives office with my dispute and it was still denied. XXXX at the XXXX  office was extremely rude and dismissive of the situation and tried nothing to help resolve so I decided to file this complaint so that banks and XXXX scammers dont get away with stuff like this in the future. As a XXXX mother of XXXX this financially destroyed my family and Im asking that justice be served in this complaint. Please note that I provided the police report information as well and that still wasnt good enough.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy on my credit report with all three credit agencies XXXX  and XXXX  took it off my reports Experian wont
Product: Student loan

I, consumer XXXX have tried numerous times to request that company Fedloan stop reporting late payments to my consumer reports without my consent.

The company Fedloan is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the company Fedloan the written instructions to furnish this on my consumer reports.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Fedloan and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below.

Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 

I feel helpless and overwhelmed, and I dont know what else to do. Please, XXXX asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, and XXXX XXXX XXXX XXXX - XX/XX/XXXX.
Product: Credit card or prepaid card

I called a company ( XXXX ) on XX/XX/XXXX, to reserve a 16 day stay at a safe location, the company charged me ( XXXX ) for that location and sent me a receipt for that location. The company booked me in a different location than the one I paid for. I filed this dispute with my credit card company, XXXX. XXXX sent XXXX documents that verified that I did call them and had a call with them but not the specific evidence to effectively dispute my claim. However, DIscover said that I, " ... had a transaction with them ... '' and therefore would not reverse the charges to the vendor, XXXX. 
I have been making automatic payments to pay my bill since the beginning of using my Discover card and have done so until XX/XX/XXXX when I made the 'fraud ' dispute. DIscover had to send a new card and therefore my bank is no longer connected to them for payments. 

Discover did not do their due diligence to get the recording that would clarify this situation. They instead accepted the limited information XXXX provided and ruled in their favor. I have had Discover and XXXX look at this complaint no less than three times to no avail. I am filing a complaint against XXXX as well. 
Thank you.
Product: Credit reporting or other personal consumer reports

I sent disputes to Equifax consecutively last year in XXXX, XXXX, XXXX, and XX/XX/2023. I have been disputing this for a very long time now, but the credit reporting agencies fail to provide me the description or method on how they verified this account. They are reporting items on my credit report that are not 100 % accurate. The information that they are reporting is defaming my character and these allegations have effected my life. I can not get approved for a home loan, credit cards nor a car loan due to the false information. 

This is the account that is not reporting accurate : XXXX XXXX XXXX XXXX