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

I have 7 credit card accounts with AMEX. Over a period of 7-8 years, I have maintained a flawless credit history. In XXXX, AMEX started dropping on of my credit limits down by 90-95 % of my original limits. When I called to asked them about it, they claimed it was because of the information in my credit files. When I asked how did you get information from my credit file when I did not apply for credit, and how would you access my credit information when I have my account of a " Locked Status '' - They said they can occasionally peer into a person 's credit report for review or extension or reduction in credit. I informed them that they don't and didn't have a right to just arbitrarily gain access to my credit history without my permission to request or be granted access without my knowledge. That's why it's call a " Credit Lock '' - or else what is the purpose of that feature if others can access it without my knowledge? 
They continued to state that they can access anyone 's credit report for an extension or denial of credit. I informed them, that they were wrong. This is my credit history with my personal and private identifying information that I would have to grant you access to it, which keeps organizations like you, or scammers from accessing personal and private information. 
So, I told them based on my stellar payment history with them, and no late payments with or any other credit grantor, that no none else has taken " Adverse Action '' against me for having a stellar payment history. They couldn't justify why, and kept trying to convince me that somehow they can look into my " Locked '' credit information without my permission to see if they wanted grant or deny me for an extension of credit. They still insisted that somehow they can access my information. Then, what is the purpose of me " Locking '' my private information if anyone like you can just willy-nilly have unchecked access to it. 
They have used whatever false information to XXXX to gain permission without my consent in order to get the information they told me they were granted by XXXX to lower the limits on all 7 of my credit card accounts, that had a Zero Balance and a remarkable credit history. AMEX has illegally found a was to either use my information or by some other means have XXXX to grant them access without my consent. Something needs to be done about this ...! If they are doing it to me, they are doing it to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am XXXX XXXX, XXXX who doesn't know English. Your response today, for the fourth time, you haven't sent me in the mail, just like you claim all the time, about my complaint on XX/XX/2020, the letter. I don't understand, what is so difficult to understand here, and why aren't you sending your response to me through mail like you said you would. I do not know how to call you and I do not want to call you. Only give me your response on my complaint on XX/XX/2020. 

If you do not send me the response in 2 weeks time, I will contact the United States Treasury Attorney General with copies of all of my complaints and your responses. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach of 143m consumers ' data, including myself
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with your company. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services.

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company.

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay.

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly.

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship.

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue.

I value the business relationship I have with Credit Bureau and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship.This is the accounts needs to be corrected : XXXX XXXX XXXX : {$20000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These accounts & information I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX   and XXXX to no avail. XXXX confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with XXXX.
Product: Debt collection

My husband owes a credit card debt for {$450.00}. The account was opened with his permission by me, his wife. The balance is in collections, and the collection agency is threatening to file charges for fraud since my husband is incarcerated. I offered to send them written authorization from my husband, but they declined. This card was opened to purchase belongings for my husband since he wws coming home soon. I set up payment arrangements because of the threat. I made one payment, but was unable to pay more because my income is not enough to pay them among my other household bills. I should n't have to live on fear of this company because of this. I offered to send them permission from my husband, but they declined so they denied my right to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Equifax about fraudulent inquieries on my report and nothing was done... i sent i dispute and with in 10 hours they said the had finished there investigation. they are a fraudulent company that ruins lives.
Product: Credit card or prepaid card

CFPB XXXX No : XXXX & XXXX Ref : XXXX & XXXX After receiving your most recent response my account has been credited for one of the fraudulent transactions. I called on XX/XX/XXXX and was told by XXXX that one credit was issued and the other one is being looked into for the other fraudulent transaction. I was told on XX/XX/XXXX that XXXX would call me within one week as the supervisor who is dealing with this. As of today, XX/XX/XXXX, I have received no calls, voicemails nor messages from Amex. 

To reiterate the points of my frustration : - while in possession of my card and ID, an establishment ran 2 charges of {$7700.00} each without my permission and using a fraudulent signature. I have provided my ID to show this is not my signature- this back and forth with Amex has now been going on for over one year- I have been told multiple times on a recorded line that both cases have been closed in my favor and even not to worry about the charges showing again on my account as it was an error - Amex have not responded to letters written by me nor my lawyer- This has been passed around to maybe 6 supervisors, 1 of whom has actually called me back - On XX/XX/XXXX, your representative refused to give me the contact details or information for service of process. This is illegal - Once again I have been waiting for over a month for a callback. The customer service is laughable. How is it ok for a company to promise a callback from a supervisor and only follow through on a XXXX in XXXX basis. At the moment I can get no information, no callback and any information I get is conflicting. 
- Amex requested a police report but only requested this 10 months after the issue at which point this was no longer feasible - For a year I have had fraudulent charges sitting on my account affecting my credit and my mental health - If this is not resolved immediately in my favor, my lawyer will commence legal proceedings.
Product: Credit reporting

I have been working on my credit report for the past two years, I came close to completing the task in XXXX of XXXX. I state that I came close because shortly after that XXXX XXXX XXXX decided to insert a collection account into my credit report. I did n't receive any documents regarding the debt beforehand and was caught completely off-guard. I called the company and was told that I owed a debt to XXXX XXXX XXXX XXXX. In an effort to check into the matter, I visited the hospital and requested any information pertaining to the alleged debt. There was no debt to be found, the original debt was incurred in XXXX and had already been paid by my insurance provider. At one point in the multitude of times that I have tried to plead my case with XXXX XXXX XXXX XXXX the account was removed from all of my credit reports. Months later, they decided to re-insert the collections account onto all but XXXX of my credit reports. It appears that this company plays by their own rules and figured that I would n't notice what had transpired ... as if they could simply attach that same account to my report again in hopes that I would pay without questioning their allegations. I have never retained services from these people, I have no contract with these people, and do not have in my possession any documents showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX have rendered any services to me that require payment. Prior to filing my dispute, neither my husband or I received any information regarding this account that would have allowed us to satisfy the alleged debt before reaching the point of reporting. I feel that my rights have been violated and plan to fight this injustice until it is resolved.
Product: Debt collection

Comenitybank/XXXX  is reporting a charged off account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!
Product: Mortgage

I called SLS on XX/XX/2023 requesting information to cancel the PMI on our home loan and to begin the cancellation process. I was told on the call that I had to wait for a correspondence/denial letter from them to begin the process. Our home value far exceeds the required 20 % difference in outstanding loan to home value to cancel PMI. 

I never received any communication from SLS, so on XX/XX/2023 I followed up again online requesting to begin the process to cancel PMI. Almost two weeks later, XX/XX/2023, I recieved online communication from SLS stating the letter had been mailed when requested. I never recieved the requested letter, but did receive a letter regarding the change in my escrow calculation during this timeframe. When looking on the SLS website, the letter is not showing as a document that was sent to me during the timeframe of my call ( screenshot uploaded as documentation ). 

When I originally called I asked for the specific price to do the appraisal for my area. I was told at that time they could only provide a range, however once my appraisal was ordered they could provide the specific price. The appraisal pricing online varies widely from {$200.00} to over {$800.00}. I recieved a phone call on XX/XX/2023 to complete my appraisal for the next business day, however no price was provided and SLS was closed since it was the weekend. I called first thing on XX/XX/2023 before the appraisal began, again to get an exact cost. At that time, the rep informed me ( rather rudely ) that they would not be providing me with an exact cost, that all I could get was the range provided online ( that varied by approximately {$600.00} ). This seems like a Truth in Lending violation. 

Our home appraisal was completed on XX/XX/2023. It is now XX/XX/2023 and I still have had no communication about price/cancellation of PMI. Although when I go to the SLS website my monthly payment amount has been reduced by my PMI amount, so I'm assuming my home evaluation showed that we've more than paid off our home 's 20 % home value to loan amount. The PMI amount, approximately {$210.00}, could have been cancelled several months ago if SLS would have provided communication when I requested. I also still have no clue over a week later how my the appraisal is going to cost us.
Product: Debt collection

On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP. 

I am disputing this debt, because it has never belonged to me. This debt is not mine. 

This debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle. 

Again, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks.
Product: Mortgage

Mr.cooper purchase my loan from XXXXXXXX XXXX MORTAGE. Mr.coopers automated service says my account doesn't exist. But lake view MORTAGE says it does. I need help so this doesn't affect my credit score. Or lose my home.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with XXXX but I was rejected even though my XXXX and XXXX accounts said I had a XXXX XXXX  score. XXXX said I should verify my information with the 3 credit agencies. I noticed that Experian has 2 late payments which are not accurate and a collection amount of {$640.00} The collection is for a {$640.00} fake XXXX XXXX bill. I filed complaint with XXXX XXXX. Experian ruined my credit based on inaccurate information. I can fix my credit if I pay monthly fees of {$24.00}. Is it not extortion to pay Experian so they stop reporting unverified fake information about me. I should not be responsible to make sure Experian reports correct information about me.
Product: Vehicle loan or lease

My lease ended on a XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I returned my XXXX   and now lease a XXXX. I payed my property tax on the soul in full. I requested a abatement in XX/XX/XXXX. Over the past year. I have spend hours on the phone. Im on hold for at times 2 hours. I get transferred to different departments and no one helps me. I have faxed requested paperwork 10 times. In XX/XX/XXXX I was promised the abatement was sent. I called today again on hold over an hour. Transferred to 3 different departments and was told. The abatement was filed XX/XX/XXXX. I am totally disgusted. I pay my lease on time but have to wait a year for {$100.00}. May not be a lot to you but I work extremely hard for {$100.00}. Please please help me
Product: Debt collection

GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.
Product: Student loan

Nothing has been done. My loans show I owe more money. I have paid all my loans up, through payroll garnishments, taxes being withheld, and even been in the rehabilitation program. I have had several servicing companies to handle my loans and they are not reporting accurate information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND NOW NELNET. THIS HAS TO BE SOME ACTION AGAINST THIS TYPE OF COLLECTION BEHAVIOR. I NEED SERIOUS HELP. THIS HAS GIVEN ME XXXX, ALL OF THESE COMPANIES HAVE COLLECTED AT SOME POINT. I HAVE ADDED UP ABOUT XXXX OR CLOSE TO IT. That is double even triple my loans borrowed. I have provide some information and I hope it dont confuse to the point I am, I also have copies of my check stubs. I am missing end of XXXX and XXXX but just wanted a reference. My contact number is XXXX email XXXX.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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.