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

Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.
Product: Credit reporting or other personal consumer reports

I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for XXXX or XXXX home equity loans based on a XXXX XXXXXXXX XXXX XXXX XXXX  score of XXXX. 
My home bank declined me stating my trans credit score was in the XXXX. On credit karma, my XXXX XXXX score is over XXXX. XXXX XXXX XXXX XXXX would not give me my XXXX XXXX score. I called XXXX XXXX customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.
Product: Credit reporting

Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

*Submitted on experian.com/consumer/upload/ correspondence from Four ( 4 ) banks that appear on HARD INQUIRIES stating that the HARD INQUIRIES were a result of an <<ERROR>> and that they should be removed from EXPERIAN . Experian has violated The FAIR CREDIT REPORTING ACT by NOT ACCEPTING DOCUMENTATION PROVIDED BY THE COMSUMER AS A RESULT OF AN ONGOING DISPUTE. The following Inquiries MUST BE REMOVED BY LAW : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - XXXX 'XXXX XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Regards to my XXXX XXXX XXXX # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX XXXX began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which XXXX has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX, XXXX Account opened XXXX Account Closed XXXX This is not my account- Identity Theft XXXX ) XXXX XXXX Account XXXX XXXX Account Closed XXXX This is not my account- Identity Theft XXXX ) XXXX XXXX : Opened XXXX Account Closed XXXX This is not my account- Identity Theft
Product: Mortgage

My loan was transferred to Loancare in XXXX 2016. Upon notice we mailed a check to the address provided in the " welcome '' packet. After about two weeks and no sign of the check being deposited into my account, I contacted Loancare by phone to inquire. I was told it had not been received as of yet but not to worry because I have 60 days before there is a late fee assessed because it was a transfer loan. XXXX comes around and still no check deposited. I call loancare and they say they still havent received it. At this point, I go ahead and make a payment via the website ; however I did n't cancel the check yet because my bank charges a fee so I just hope they receive the check and apply it towards the next month 's payment. As of today, the payment still has n't been applied. In XXXX, I sent an email to Loancare via their contact us link on the website explaining that we will make XXXX 's payment by XXXX XXXX because we were having some hardship due to using funds for hurricane matthew. I NEVER received a response from them ; I went on the website to try and make a payment and was blocked from accessing the account page to make a payment ; however a week later, they send a collection agent to my home who leaves a big deliquent door tag on my front door with their phone number to call. Immediately following this visit, I contact the number and I 'm told by the collections representative that I am definitely blocked from my online account access until my account is current. I expressed my concern to him about their collection tactics in sending someone out to my home and he basically told me well you wont have to worry about that if your loan is current as if it were a threat. He also stated that the debt collector takes pictures of my home and submits it to Loancare. This was rather disturbing to know that someone could be watching my home/taking pictures. I then ask how can I make a payment if I ca n't do it online. I 'm then advised that I can only make a payment through them and there is an additional fee to make a payment with a representative over the phone. This fee is also in addition to late charges. I advised the representative I would call in later to make the payment. I tried calling the XXXX number that I usually call for automated account information since i 'm unable to do it online and I 'm blocked on there as well from accessing my account information after putting in my loan number and social security number as prompted. I do not think it is fair to block a customer from accessing account information electronically or having the ability to make a payment online when there is usually no cost to do so. They are forcing me to only have one payment option that requires an additional fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX  XX/XX/21XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I attempted to remove my money fro m Coinbase but w as not able to.     On   XX/XX/XXXX , I m oved   XXXX   from my "  Vault '' account to my " Wallet ''  account. After attempting to send this   XXXX   to a service ext erior to Coinbase on  XX/XX/XXXX , I was inform ed that for my protection the transaction was delayed . Coin base  notified me that if I verified my account the transaction would verify instantly.     I verified my account and now the transaction remains pendi ng over 24 hr later. T hey are intentionally withholding my bitcoin.
Product: Mortgage

I went to Bank of America to deposit my promissory note to obtain a mortgage to buy home. The documents I submitted was carefully planned and written with all of the UCC codes and local laws pertaining to the promissory note being a negotiable instrument and legal tender. The document was also notarized. After waiting some time in the bank for a response from the legal department to my request for a mortgage through my promissory note, I was informed that they could not accept my promissory note because it was not a valid legal tender. I would like to have this matter investigated so that I may know the truth as to the validity of Bank of America 's claime. I look forward to hearing from you and thank you so much for your help.
Product: Credit reporting

I would like to file a complaint against Experian, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX  Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX XXXX XXXX Date of Inquiry : XXXX  Creditor Name : XXXX Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Payday loan, title loan, or personal loan

I had an issue with this company on my first payment. I was thinking my first payment was due in XX/XX/2022. This company tried to get payment from my checking account 3 times which cause me to have overdraft fees times 3, making my account negative. I called the company and tried to explain this, but it didn't matter, they continue trying to take it the last 2 times. So, when I made my first payment it was in XXXX of 2022. I was unable to make a payment in XXXX due to the overdraft fees caused by this company due to the overdraft fees for the Month of XXXX. I get paid monthly and on a fixed income. 

On XX/XX/XXXX, I went onto my Upgrade account online to set up a payment for my monthly payment. This company took and extra payment of XXXX dollars out of my account in addition to my standard monthly payment. I did not authorize XXXX dollars payment and called the company to see why they trying to take additional funds. I was told that I authorized this, and I did not. so, I asked for proof, and they did not send me proof. I had to do a stop payment on the XXXX dollars and stop this company for using my bank account for payments. During this time, I saw they also posted that my regular monthly payment was posted. I was told they did not receive this payment due to my bank doing a stop payment. I called Upgrade and talked to several customer services, trying to pay this company via of debt card. I was told they did not received payment via of debt card, which isn't true. I saw this option offered to me before I talked to a customer care and when I tried to go back into my account to pay via debt card it was removed. I open my account on a different device and saw this option. I sent a screenshot of this to Upgrade to show them they do offer this type of payment. Upgrade is giving me a hard time and I don't understand why. I also know you charges late fees, and I don't think I should be charged any late fees due to this issue. 

The problem I'm having with this company, I was told that my account would be 30 days late of XXXX the XXXX and they could not take my payment via of debt card. So, I sent my payment via of USPS via XXXX mail on XXXX the XXXX, 2022. So, I could make my payment on time. This company has not posted this payment to my statement, they have me posted as 5 days late. I called this company, and I was told that when they received payments via of mail it takes up to 5 days to post to my account. My problem is why did this company stopped me from paying my bill via of my debt card? Why tell me you don't take debt card payments and you do. I sent screenshots to this company showing them they do offer this way of payment and why wasn't I allowed to pay them this way
Product: Credit reporting or other personal consumer reports

Fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I expect these accounts to be blocked and removed within 4 days of receipt, as mandated by law. 

Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries on my credit report that are fradulent and i did not authorized 1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXXXXXX XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX  XX/XX/XXXX 13 ) XXXX XXXX XXXX XX/XX/XXXX 14 ) XXXX XX/XX/XXXX 15 ) XXXX XX/XX/XXXX 16 ) XXXX XXXX XXXX XX/XX/XXXX theses are inquiries fraudulent listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy was discharged as of 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my XXXX and TransUnion files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting disruptencies, my financial institution failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safetys
Product: Payday loan, title loan, or personal loan

Hello, my name is XXXX XXXX and I am writing to inform you that i am a victim of abuse of my life by these persons name CREDIT ACCEPTANCE, XXXX XXXX under the fair credit reporting act 15 usc 1681 ( a ) They lead me under false pretences that I am the individual thats responsible for THEIR debt Took my property and title and crashed into another person under my name now the department of transportation is asking for fines & fees that again does not have an obligation on me!
Product: Debt collection

When checking my credit I noticed an account that I was unfamiliar with as I have never had an affiliation with the financial institution. To my knowledge they don't even operate in my state. I reported this as fraud as my identity has been stolen and police reports filed documenting such. Trans Union had ne to send in an FTC/identity theft report, the police report and my identification. This was done severally and even though, by law they are supposed to remove and block the account, they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car from a dealer which the contract was fraud and I wanted to unwind and I was asked not to make the first payment by their customer representative
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACTUALLY DISPUTED THIS ACCOUNT WITH XXXX XXXX  XXXX  CFPB WAS THE MEDIATOR. WHEN THE COMPANY RESPONSED BACK THEY HONORED THE FACT THAT THEY WERE REPORTING AN ERROR ON MY REPORT AND REQUESTED TO DELETE FROM CREDIT REPORT. THE TRADELINE WAS DELETED. MY ISSUE IS THAT XXXX XXXX  TRANSUNION ALLOWED THIS ACCOUNT TO BE FURNISH ON MY REPORT. THIS HAD A NEGATIVE IMPACT ON MY REPORT AS A COLLECTION. XXXX XXXX  TRANSUNION DELETED THESE ACCOUNTS. DELETIONS IS ADMISSIONS. AS PER 15 USC 1681 ACCURACY AND FAIRNESS. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. HOW AM I SUPPOSED TO TRUST YOUR REPORTING AGENCIES IF YOU ARE ALLOWING TO FURNISH ERRONEOUS INFORMATION. AS A CONSUMER I HAVE THE RIGHT TO AN ACCURATE REPORT. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. IF YOU ASSUMED THE ROLE, CONSUMERS ARE EXPECTING FOR YOU TO DUE YOUR DUE DILIGENCE. AS PER 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. THE REPORTING AGENCIES ARE PLAYING UNFAIR GAMES THAT THEY PUT FURNISHERS OVER CONSUMERS, I AM QUESTIONING THEIR INTEGRITY. SINCE THEIR FAILING TO DO THEIR JOBS, I AM ENTITLED TO COMPENSATION OF DAMAGES. THEY ALLOWED A DELETION, IT ONLY TELLS ME THAT THEY HONORED THAT ERROR AT SOME POINT, THEY NEVER QUESTIONED IT. AS PER 15 USC 1692K-CIVIL LIABILITY ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I AM REQUESTING MONETARY DAMAGES IT IS ENCLOSED IN MY ATTACHMENTS/EVIDENCE. DELETIONS IS ADMISSIONS IN CONCLUSION, I NEVER GAVE ANY REPORTING AGENCY WRITTEN PERMISSION OR AUTHORIZATION TO furnish their in violation under 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), 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.
Product: Checking or savings account

After depositing a government check for over {$30000.00} on XX/XX/XXXX to Ally Bank, entire account has been locked and I can't access funds that were deposited prior to the deposit to pay bills.