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

Requested a recent copy of my updated report notice there was an account I never authorized to be open that was opened. All my other accounts are paid in full or either great payment history due to payments being made on time. I am requesting removal of all inquires, addresses and the listed account.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit card or prepaid card

On a letter dated XX/XX/XXXX Chase states they are still working on my billing dispute for XXXX from the XXXX XXXX for {$410.00} on XX/XX/XXXX. It has been over 10 months since the date I initially brought up the billing error to their attention. This is way past the timeframe allowed to investigate and correct any billing errors. I provided Chase with an email from the hotel prior to check in which verifies my lower rate being honored, a copy of the lowest rate and a copy of the hotel 's low rate guarantee. Despite the hotel verifying my lower rate in writing they still charged me 5x the agreed upon rate which was changed after I checked out. I never agreed to, authorized or had any knowledge of the increased rate until after I had left the property. 

Despite the overwhelming evidence validating this to indeed be a billing error Chase has still taken 10 months and counting to correct it. This violated the Fair Billing Practices Act.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : Account Name : XXXX  XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX  ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, regarding their failure to conduct a proper investigation into inaccuracies on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024 I submitted a dispute to Equifax regarding specific accounts on my credit report that contained multiple errors. Despite my explicit documentation of these inaccuracies, Equifax responded by affirming the validity of the disputed accounts, indicating that they had been " verified. '' However, the evidence provided in Exhibit A clearly demonstrates the presence of errors, making Equifax 's verification process highly questionable. 

Accts # XXXX # XXXX Furthermore, upon reviewing a subsequent credit report, attached as Exhibit B, I discovered that the inaccuracies persist despite the supposed verification of the disputed accounts. Despite my efforts to rectify these errors and request a reinvestigation, Equifax has failed to address the ongoing discrepancies, thereby violating my consumer rights guaranteed under 15 USC 1681i of the FCRA.

As a consumer, I expect and demand that Equifax upholds its obligation to ensure the accuracy and integrity of my credit file. The negligent handling of my dispute not only undermines my financial well-being but also erodes my confidence in Equifax 's ability to safeguard consumer data.

Therefore, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action to hold Equifax accountable for its failure to comply with federal regulations. I also urge the CFPB to ensure that Equifax implements corrective measures to prevent similar instances of negligence in the future, thereby safeguarding the interests of consumers nationwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

I was offered XXXX points to open a Wyndham XXXX XXXX XXXX ( backed by Barclays Bank ) at a timeshare presentation through XXXX XXXX in XXXX XXXX Nevada. I completed all the financial requirements within the timelines given. After waiting the amount of time necessary, for the points to appear and seeing nothing, I contacted customer service. I spoke to them for several hours over 3 or 4 calls and they could not figure out how to link my credit card to an account. Finally, someone gave me a new account number and the card was linked. I waited again and finally called asking when my points would be available for use. I was told they would not give me points as that wasn't the agreement when the card was applied for. Knowing that wasn't true, I asked for a copy of my contract, and a phone number of their legal department. What I received was a call from a relations manager. This person said they would e mail my contract and the phone number ( they haven't and it has been about 3-4 weeks now ), They also said they would look into the agreement through XXXX, where it was applied for, and award XXXX points until the issue was resolved. Today I received a letter saying they are " unable to assist me with the rewards issue '' and to call for further information. I did. The same thing was said, that my contract didn't say spend {$1000.00} in three months for XXXX points. ( this is the same promotion they are still running ) I again asked for a copy of my contract and the phone number of the legal department. I asked that the same customer relations representative call me to explain the steps takes and why I haven't received what I asked for and what I was promised if I changed cards. I specifically applied for this card because of the promotion, and I believe Barclays/Wyndham are in breach of contract. I am waiting for the second phone call as they have 48 hours to respond again.
Product: Credit card or prepaid card

My interest rates are high. I called the companies trying to get a better rate. My credit score is XXXX and I am paying 25.24 % and 21.24 %. When I started with these companies it was 0 % for a period of time. I have always paid my bills but I did not pay close attention to the interest rate. I never expected to get the highest rate but I did. I believe I got this rate because my city is redlined. I am XXXX living in a XXXX area of the city. My husband rate is 20 % and his credit score is XXXX. We both have good jobs and are still work and retired. It not that we can't pay we just want to be treated like everyone else in the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with Experian as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.
Product: Checking or savings account

Hello! 

I've been in contact with Bank of America XXXX XXXX XXXX, but they refuse to close my account. 

I received a secure message from them that states : " Please note that we received your request to close your account ending in XXXX '' That message also included what other details they need to close the account : * my account number ( which they confirmed they have ) * my address ( which they confirmed they have ) * confirmation from me that I do want to close the account ( which they received, via secure message ) They HAVE received this information from me, yet they refuse to proceed with closing the account. 

Please help me close this account. 


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

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/2020 these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXXI have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal car was broken into and personal information was stolen. information included XXXX, social security card and birth certificate on XX/XX/XXXX. A police report was filed and 2 days later I froze my credit score and placed a fraud alert on my credit. The thief, however, was still able to open a credit card and account with XXXX XXXX bank and over-drafted the card for a total of {$620.00} with my personal information. The thief also used another address and phone number to open this account. An address and phone number I've never had or seen in my life. I currently have a fair/poor credit score because of this and all three credit bureaus are reporting the account on my credit report as " charged off ''. I'm trying to get the XXXX XXXX credit card account removed off my credit report and move on in life. I've opened investigations with all three credit bureaus regarding this matter and have also opened an investigation with XXXX XXXX on XX/XX/XXXX. I submitted a digital copy of the police report to all three bureaus on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus Transunion, XXXX and XXXX. 
The accounts that I submitted a written request for complete verification are the following : 1. ) Achieve Personal Loans address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone # XXXX opened and closed dates are different with all three bureaus. 
2. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
3. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened and closed dates are different with all three bureaus. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
6. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX opened and closed dates are different with all three bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Product: Mortgage

In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the XXXX relief and went into forbearance on my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. XXXX XXXX XXXX continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to ShellPoint Mortage, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period at the end of the trial payments, not to make a payment as I had been part of the modification deal with XXXX XXXX XXXX. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification. XXXX XXXX XXXX  has a complete record of my calls and documents. I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program. 2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning. 3 ) My late fees be removed from my account with ShellPoint as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping line for information about HELOC 's. I specifically was only looking for rates and terms regarding lines of credit. I did fill out a couple of inquiry forms but never was made aware of permission for a hard credit pull. In fact, was aware when it was stated that the inquiry would not affect credit. XXXX XXXX from Mutual of Omaha called and called, texted and emailed. I engaged in emails asking and answering questions. Never did I give express permission to pull credit. In fact, I quickly realized she was trying to sell me a mortgage which is not what I inquired about at all. I told her in more than one email I would only proceed " if '' and then was clear I wouldn't be proceeding. The next day I got a notification from a credit monitoring service my credit had just been pulled. This warning is always immediate so it was pulled a day after a very clear NO. I emailed asking her to reverse it and referenced the times I was clear about not proceeding. She ignored. I called and got no response. She was too aggressive and moved forward without appropriate permission. My application is still in a status requesting an " econsent ''. It was never given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I had disputed accounts on my credit reports. with CFPB and XXXX and Experian XXXX XXXX. The CRAs were not reporting correctly. The complaint number is XXXX with the CFPB. XXXX has resolved the account reporting problem, Experian and XXXX XXXX has not. The Company that I have the accounts with has notified me that they have removed all prior paying history with all the CRAs and updated correct information. I am not sure why XXXX XXXX and Experian has not updated the accounts and did the same. This is a violation of my fair credit reporting rights and is truly not fair.Hopefully CFPB can help me with this reporting issue listed on the complaint number listed, informing Experian and XXXX XXXX what has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX open XX/XX/XXXX I disputed the referenced account above on XX/XX/XXXX. The credit report of XX/XX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
Product: Debt collection

FCO has been trying to collect money from me for an apartment. they state that I owe XXXX I have made several attempts to inform them that I don't owe the debt. I recently contacted them to once again dispute the information. they informed me that they sent the information to there clients and its no telling when the client will get back to them with the response. I asked them if it was a timeframe for the client to answer they told me know. I want my account updated and or deleted because I don't owe the debt they are claiming.
Product: Mortgage

On XX/XX/2018 I paid {$1100.00} to Wells Fargo to cover an escrow shortage which would have lowered my house payment from {$590.00} to {$520.00}. Instead they deducted a second mortgage payment in XX/XX/XXXX ( which I didnt know until I went to pay XX/XX/XXXX ) and placed the balance in unapplied funds where it still sits today. In XX/XX/XXXXwhen I called and realized what they had done they gave me a crap excuse about their system not functioning properly but they would address it immediately and I now had no payment due ( same {$590.00} ) until XX/XX/XXXXbecause in XX/XX/XXXX I evidently paid for XX/XX/XXXX. They said my XX/XX/XXXX payment would be {$560.00}. But they have still not applied any payment to my escrow. I still owe {$590.00} a month and they say they will look into it. This is unacceptable. They say I am now over {$1200.00} short in escrow and still show {$570.00} of the {$1100.00} I paid to escrow sitting in unapplied funds for 4 months now! They refuse to correct this problem while my mortgage payment will continue to escalate. This is an overt mishandling of my funds and it needs to be corrected immediately. I called this transaction in and repeatedly told them not place this money in unapplied funds and was assured it wouldnt. Then I was again assured it was being corrected. Now they will simply look into it?! I will try to get refinanced elsewhere even though theyve held my mortgage for 15 years.
Product: Credit card

This is the start of the problem when purchased the wheels and it went down XXXX from there. wanted to reach out about an experience I had buying a set of wheels from a company called extreme wheels. I originally purchased a set of XXXX, XXXX and XXXX in XXXX, the company didn't have the XXXX in stock so they charged me an extra {$250.00} bucks for powder coating them XXXX ( all the wheels are XXXX btw ) so I paid well over XXXX for the set and when I got them they had chips on them and every wheel was scratched up. They said that the manufacturer wanted me to fully detail them and to see if it goes away. I said I would not because there's no way to fix them with chips and all by detailing them and that I paid over XXXX for the set so they should be flawless and ready to mount, they them came back after XXXX emails and said we will give u XXXX to basically shut your mouth and take the wheels so I said no and started a dispute with my credit card company because they never responded to my emails after that. I'm not happy and something should be done about this, I have pics, I have all documents showing I never got a refund and that it was disputed over 4 times which the credit card company is screwing me over as well.