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

On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law.

I must also express my concern regarding the Equifax data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected.

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy.

Attached are two of my most recent credit reports ; please use this to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at XXXX XXXX Equifax received a dispute on my behalf in regards to several accounts reporting on my credit file that was established due to identity fraud. The tracking number of the certified receipt is ( XXXX ). I was sure to also include a copy of my driver 's license, social security number, and date of birth with my dispute. Despite my efforts and I have yet to receive any correspondence regarding my dispute initiated with Equifax. On XXXX at XXXX XXXX, another dispute letter was received by Equifax on my behalf regarding the same accounts that were established due to identity fraud that are currently reporting on my Equifax credit report. Along with those letters I also included a copy of my driver 's license, date of birth, and social security number as well. Equifax recently sent my letter stating they were unable to locate a credit file with the information that was provided. The letter states that I need to provide my name, current address, date of birth, and social security number. I find this totally unacceptable since I already provided that same information on both dispute letters that I sent. In addition, Equifax is in violation of the Fair Credit Reporting by failing to respond to my initial dispute within the 30-45 days  allotted.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX/XXXX/2023
Product: Checking or savings account

On XX/XX/XXXX, I was contacted by a man claiming to be a XXXX County Sheriff civil division, XXXX XXXX. XXXX. He appears to have an active XXXX In account with some of this information. He claimed I missed a jury duty summons and provided two citation numbers regarding this- failure to appear and contempt of court. He also was able to provide my street address and full name. I am a licensed clinical social worker so some of this information is accessible. He stated one citation was {$950.00} and one was {$820.00} and if I paid them, I could avoid a bench warrant for my arrest, and that once it was cleared I would get my money back. He provided XXXX, XXXX XXXX and XXXX as options to pay. I was concerned given my profession and professional license that I needed to resolve this asap. I paid {$950.00} thru XXXX. XXXX XXXX ( phone number ending in XXXX ) and now is mysteriously unenrolled in XXXX is who I paid. Unfortunately my bank, Wells Fargo, didnt find this to be fraud and will not refund my money. It appears this is common for Wells Fargo to not side with the consumer in these scenarios.
Product: Debt collection

This debt has not been validated. 
Proof of The name and address of the original creditor, The original signed contract between me and the creditor, Full payment history of the account and Proof of ownership, assignment, authority, and license to collect has not been sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.CXXXX XXXX Subject : Complaint Regarding Experians Violation of FCRA in Reporting Inaccurate Information To Whom It May Concern : I am writing to file a formal complaint against Experian for failing to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated the FCRA by failing to properly investigate and update inaccurate information on my credit report despite my timely dispute. 
The issue concerns inaccurate reporting on my XXXX credit card account. I submitted a dispute to Experian, notifying them of the errors and providing supporting documentation to demonstrate the inaccuracies. However, they failed to conduct a reasonable investigation or update the information as required by the FCRA. 
This failure constitutes a clear violation of FCRA provisions, particularly those that mandate credit reporting agencies to ensure the accuracy of consumer credit information and to investigate disputes thoroughly and promptly. 
The inaccuracies on my credit report have caused significant harm to my creditworthiness, and I request immediate corrective action. Specifically, I am asking that : Experian conducts a thorough and reasonable investigation into the disputed information. 
Experian updates my credit report to reflect accurate information for my XXXX account. 
A detailed explanation of their investigation findings and corrective actions is provided to me. 
Enclosed, you will find copies of the following documents to support my complaint : Supporting documentation for the dispute. 

I respectfully request the CFPB to take appropriate action to ensure Experian complies with its legal obligations under the FCRA. I look forward to your assistance in resolving this matter and ensuring that Experian fulfills its duties as a credit reporting agency. 
Thank you for your time and attention to this matter. 
Sincerely,
Product: Mortgage

I applied for a retiree refinance on my primary residence. I gave them all of my financial information. On my tax return I write off the interest from bank of america 's equity on my primary home to a rental. the cpa makes comments on the tax returns telling under what irs ruling I can do this. My refinance on my primary residence payoff the b of a first mortgage, and the aforementioned b of a equity line. There are no liens on the rental. the are only XXXX liens on my primary a first mortgage and the equity line.. The rental is book entry. B of A insists that my CPA perjures himself telling them that my rental is free and clear. I have told B of A 20 times the only way you can meet your own condition is to pull a lot book or have a title company search the XXXX records. You ca n't expect a cpa to perjury himself. They do n't care or understand. I have been told that the head of credit underwriting wants this. I have asked to speak to senior underwriter and that is against bank policy. Also, inconsistent lending practices. They did not ask for this when I refi 'd this line on last year. I called and tried to escalate it. I talk to other B of A lending officers and they knew what I was talking about but refuse to help. There a too many emails and letters to send. You have the full story. Thank you, XXXX XXXX
Product: Checking or savings account

My balance is now accurate in my   XXXX   XXXX   app-please update
Product: Credit card or prepaid card

Nordstrom fails to list a payment address on its retail credit card statement, with effect, if not the purpose, of causing customers to miss timely payments and thereby incur late fees.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reviewed my consumer report and noticed that I had several different late payments on each of my credit accounts that i was never late for. Also the Account shows different balances. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of there abilities with maxium accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on date of XX/XX/year>. Please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attahed.
Product: Checking or savings account

I had Navy federal for a couple of years and I went to go add one to the account and it rejected the money. I did not know they closed my account
Product: Consumer Loan

I got a loan from capital one auto finance and when I applied for the loan they rated my credit which was XXXX a loan rate of 23 % and other people were getting much lower rates, I 've noticed that the company seems to charge really high rates even when a person has decent credit. I am XXXX and had a hard time paying for the car note so I called them and did a voluntary return to them, after they sold the vehicle at auction they are now saying that I 'm still responsible for the interest on the car which is XXXX the car was n't worth that much to begin with. it was a 2013 Nissan versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
Product: Debt collection

Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the [ charge be removed/the debit reinstated ], that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified of hard inquiry placed on Equifax XX/XX/2020 by XXXX XXXX. Contacted XXXX immediately confirmation # XXXX. Received email confirming fraud from XXXX. Placed fraud alert on Equifax and also placed dispute XX/XX/2020. I was told by XXXX it could take up to 30 days to remove hard inquiry, 90 days by Equifax. I have no way to dispute online anymore because Equifax closed dispute. Last spoke to XXXX at Equifax on XX/XX/2020 XXXX # XXXX. I have a second email from XXXX XXXX XXXX XXXX dated XX/XX/2020 again confirming I did not attempt to open an account with them. 
My 2nd issue with Equifax is they have my current address and my previous address backwards.
Product: Credit card or prepaid card

I signed up for a TransUnion credit report on Monday, XX/XX/2020 which I thought was free but evidently was not. I was charged a whopping {$27.00} for a report that I can receive completely free over at XXXX.
Product: Credit card or prepaid card

I deposited a government issued check into this account on XX/XX/16 XXXX. The company ( cred.si ) says that they received it by mobile notification and email. They say it will be deposited in 3 business days but they will send a notification if it takes longer. I have not gotten any notification. I call the company and they are unable to find the deposit and I cant re-deposit in another bank until they figure this out.
Product: Vehicle loan or lease

I called to voluntarily surrender the XXXX XXXX XXXX on Friday, XX/XX/XXXX. The woman I spoke with said it would take 72 hours for an XXXX XXXX military search. On Sunday ( XX/XX/XXXX ), XXXX XXXX  texted me from XXXX asking me if it was ready for them to pick up that night. They came and picked it up. I attached a video from my camera. I told her the keys were in the cupholder and she needed gas because the gas light was on. On XX/XX/XXXX, I received the attached letter from Credit Acceptance stating this was a repossession. It was not a involuntary repossession, I surrendered it. I sent the attached email to the compliance analyst XXXX XXXX stating I had voluntarily surrendered it. I sent it to her because she was the only email contact I had. Credit Acceptance took it upon themselves to mark my account " do not contact '' via email. I voluntarily surrendered the car. Credit acceptance has only credited my payments to their {$17000.00} finance charge. Only {$100.00} of the original loan balance has been paid off. From XX/XX/XXXX to XX/XX/XXXX, I paid {$520.00} a month. XX/XX/XXXX I paid {$500.00}. None of those payments went to the loan balance that shows on my credit. The credit bureaus all stated the information they receive from Credit Acceptance is what is reported on my credit report. Please see complaint XXXX for reference.
Product: Credit card

Hello, American Express provided an offer to upgrade an existing Amex XXXX card to Amex XXXX XXXX  card. The offer provides XXXX XXXX points after spending $ XXXX within 6 months. 

I upgraded the card according to the offer and paid the annual fee for the new card. I also met the spending requirement after the card has been upgraded. 

The bonus XXXX XXXX points were never provided after all the upgrade requirements are met. I contacted the customer service from Amex. They confirmed the upgrade offer but refused to pay the missing XXXX XXXX points. They mentioned I got the same offer before but that additional restriction has never been mentioned when I upgraded my card recently. 

They also agree that my claim makes sense but still refuse to pay the missing XXXX XXXX points. 

I would appreciate your kind assistance to resolve the issue. 

Thank you
Product: Mortgage

My husband and I have a mortgage with Nationstar Mortgage and use a company - XXXX XXXX to make bi-monthly to the mortgage company. This agreement was set per Nationstar 's instructions. Last year XXXX our of payments were incorrectly applied by Nationstar and resulted in a credit reporting of XXXX late payments for XXXX, XXXX and XX/XX/XXXX. My husband and I repeatedly tried to get this cleared up and were told it had been fixed every time. Recently I applied to be pre-qualified for a home loan and was told there were XXXX late payments on my credit report XX/XX/XXXX. It took a month of repeated phone calls and finally they generated a letter that stated they would fix the incorrect reporting. The letter was useless - it stated the dates were for XXXX - XX/XX/XXXX not XX/XX/XXXX XXXX Please note that it is barely XX/XX/XXXX we have n't gotten to XX/XX/XXXX XXXX In addition it turned out that Nationstar had reapplied the payments XX/XX/XXXX which resulted in overpayment. The company suspended and held on to those extra funds totaling over {$1000.00} until XX/XX/XXXX. According to Nationstar 's policy they are required to return any funds held in suspense after 90 days. It took my repeated nagging, unpleasant phone calls to get this sorted out ... .yet ... here I am again ... .on hold ... waiting ... for them to fix the problem they created over a year ago with a letter I can not use to clean up my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company sent remarks to the credit bureaus regarding a disputed charge on my account. The dispute was resolved by me with the vendor prior to the credit card company taking any action. However, for reasons no one can explain ( the credit bureaus or my credit card company ) my FICO score went down significantly due to the remark. Upon questioning the remark with my credit card company I was assured that my credit history with them was excellent and that the remark should not have taken down my credit scores. They said they were going to dispute the remark with the credit bureaus. When the credit bureaus received the dispute my scores went down again. Of course once again no one can give me a straight answer. To say the FICO system is broken is an extreme under statement and I resent being a victim of ineptitude.
Product: Checking or savings account

All stated banks AMERICAN EXPRESS, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, if any account under XXXX XXXX and social security number XXXX from XXXX was created due to fruad and scamming. I don't own any bank card or have any association with any banks. 

I XXXX XXXX give consent to close all accounts and in reimbursement check form. 

My number XXXX email XXXX You may contact me Thank you.
Product: Credit reporting

I have had REPEATED issues with EQUIFAX and seems to be a pattern of negligence or abusive intent. I submitted a dispute referring to my XXXX account that had a leading " - '' which was unnecessary or inaccurate and ambiguous, and in NO way did I phrase the validity or whether it should appear on my report. EVERY instance of EVERY dispute I have filed has NOT been adequately/sufficiently/properly/appropriatelyrelatively addressed. I demand accountability. I will be contacting every other govt agency and filing civil action to FINALLY hold this FOR PROFIT institution ACCOUNTABLE for their imprudent handling of consumer disputes for the sake of GREAT FINANCIAL GAINS TO THEMSELVES AND THE CREDITORS. I will also hold the CFPB accountable for ANY AND ALL actions that prevent or interfere with this objective, including the disabling of my account, which has been already done!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022