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

As of XX/XX/, and continuing, XXXX, XXXX, and Experian have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, Experian, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.
Product: Credit card

Was charged late fee on XX/XX/XXXX when pursuant to ketter I received ( see attached ) shows I am not supposed to be charged late fees of any kind while on program until XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.
Product: Mortgage

My husband and I were getting mortgage from Citibank. We filled out application, locked the rate and, according to our mortgage broker Mr. XXXX XXXX, everything was OK. However just one day before closing Mr. XXXX informed us that he can not proceed with the morgage because we have unsufficient income to debt ratio. So, he made us to pay {$17000.00} ( 2.35 % of loan amount ) to buy extra point to reduce interest rate to 2.125 % ( See attached " Morgage Loan Commitment '' ) When closing finally came, Mr. XXXX increased our rate to 2.25 % ( see attached " Closing disclosure '' ) Please look into this matter.
Product: Credit card

XXXX XXXX a previous employee opened a CITI Bank Credit card in XXXX of 2023 While XXXX was out of the country. When he returned after he fired XXXX we did a forensic screening on the accounts and learned of additional fraud and the {$72000.00} paid to CITI Bank without knowledge. Reported in XXXX to close the account to Citi Bank and Citi Bank has left the account open for several month while XXXX continued spending on the card after we reported an issue. We have also sent a copy of the police report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX de XXXX XXXX XXXX Dear, XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of my rights under the Fair Credit Report Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing 'sham investigations ' and other unlawful practices. These practices. as outlined by the CFPB, include ; Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reported. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being report :
Product: Mortgage

Caliber Home Loans has repeatedly wrongfully assessed a late fee. I send all payments via USPS Priority Mail with signature required. Despite proof of receipt on XX/XX/2020 at XXXX XXXX. Caliber Home Loans sent my account to collections and assessed a late fee on my XX/XX/2020 statement. The receipt date for processing according to Caliber is XXXX on the XXXX. 

I have USPS signatures on all payments made to Caliber Home Loans, including 5 others in which Caliber Home Loans has assessed a late fee. I have previously requested from Caliber the ( 1 ) month, year of the alleged late payment, ( 2 ) date the payment was allegedly received by Caliber Home Loans and ( 3 ) date Caliber Home Loans processed the payment. Caliber has never provided the requested information. 

I made the request again to Caliber Home Loans in my XX/XX/2020 letter. 

I
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance. 


The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX XXXX : This account contains incorrect late payments. 

XXXX XXXXXXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts. 
2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ). 
3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report. 

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.
Product: Credit reporting or other personal consumer reports

I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XX/XX/2023, XXXX in response lowered my credit score XXXX points. In addition a XXXX suggestion of paying down my XXXX XXXX XXXX  account. After doing so they lowered my credit score an additional XXXX points. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!
Product: Debt collection

I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX Balance {$290.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} ; XXXX. XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance {$290.00} ; US DEPARTMENT OF EDU XXXX Balance {$3400.00} ; USDOEXXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Student loan

The situation with student loans has been ongoing since I got out of college six months following my graduation date of XX/XX/XXXX.  I have needed to "check in" every year to update my income information and resubmit all data that was submitted the prior year.  
On XX/XX/XXXX, I called Navient to once again give them my information.  I was told this time I needed to submit bank statements as well as tax returns and pay stubs for a private loan.  Mind you these items are not needed for federal loans and I really don't think that it is any of their business what goes in and out of my bank account.  They never asked what other student loans I had and how much I was paying on those because they are only worried about their loans.  But, in turn, I submitted the documents to them and agreed to pay them XXXX a month.  I was then told that after 3 months of on-time payments the past due balance of my loan would fall to the back of my loan.  I enrolled in Autopay and my first payment came out the following month of XXXX.
Two weeks later I get a phone call stating that my documents did not meet the requirements and that they were going to withdrawal our contract. They also stated that me and/or my cosigner (which is null and void because none of my loans have a cosigner) were able to afford more than the XXXX  I had told them I would pay.  I signed a verbal contract over the phone stating that the XXXX a month would continue for 18 months than I would have to resubmit documentation.  
We are now in XXXX and I have received several hundred phone calls threatening letters etc. Stating that I need to pay the past due to balance or they will send my case to a collections lawyer in my town. They have completely destroyed my credit as they continue to report me late monthly even when I have been paying my loans since XXXX. They have continued to debit my account but have not held up their end of the contract and I did not agree to void the contract. 
I have several other loans including federal loans and it is not near this difficult to manage them.  
Upon looking at my account they have not uploaded any of the information that was sent to them in XXXX  when I have it as sent in my email.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I recently filed a claim regarding an authorized transactions on my account. The bank, Wells Fargo denied the whole claim based on the fact that I could not prove any fraud on the FIRST of the three transactions. All the transactions were fraud and they never investigated the second or third transactions just denied the whole claim based on the first one
Product: Debt collection

On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay off the XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from Stoneleigh Recovery Associates at home and at my place of business, purportedly relating to amounts owing on the XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts XXXX was seeking to collect. I contacted XXXX XXXX XXXX, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, XXXX XXXX XXXX demanded that I obtain the Vehicle Return Receipt from XXXX of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. XXXX XXXX XXXX refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from Stoneleigh Recovery Associates.
Product: Vehicle loan or lease

To Whom It May Concern, On XX/XX/XXXX, I was denied by a creditor for health financing. Thus, I requested a copy of my consumer report from the consumer reporting agency the creditor used -- XXXX XXXX. I received my consumer profile on XX/XX/XXXX, and noticed SEVERAL fraudulent inquiries made by : " Santander Consumer USA XXXX DBA Drive Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ''. The inquiry type states, " Credit application ''. It fraudulently states I have submitted credit applications on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These repeat inquiries, systematically fall on the XXXX day of every 3rd month. Not only are they fraudulent but seemingly willful ( given the pattern of submission ) on behalf of the company. This caused me to be declined from healthcare financing. I received a determination letter from the healthcare financer that states, " Number of inquiries was also a factor '' in my denial. Thus, I have been gravely harmed by this institutions behavior I did not, on any of those dates, submit a credit application. 

When an individual fraudulently submits a credit application, especially in an ongoing fashion such as this, they are prosecuted by the FBI. Thus, this company, too, should be prosecuted. Lets start with XXXX XXXX ( the woman whose phone number is provided on my consumer report ). I tried to reach out via phone three times on XX/XX/XXXX at XXXX XXXX. There was no answer, but I left a message. I still have yet to receive a return call. I would now like a remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email that the small business administration accessed a copy of my credit report and it is documented as an inquiry. I did not apply for anything. I was on the FEMA SITE getting help with filing my disaster claim because I was impacted by the flood in New Jersey. The volunteer walking me through the steps advised that the FEMA site is taking them to the SBA site. I then declined any loan or assistance. I did not authorize or request any services from the SBA. I reached out to them they told me I needed to file a dispute with the credit reporting agencies. I contacted Experian who sent me the alert and they told me I needed to file an identity theft police report at FTC, I went to FTC site and it has been very unhelpful. At this time everyone is refusing to assist and now I have this inquiry on my report that I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation from LVNV as I do not owe a debt that they are reporting to my XXXX report. They do not validate and XXXX does not investigate my dispute. I have also filed a claim with ftc.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this hard inquiry. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had been a member of PayPal for over 5 years. I had to close my account because of payments that was sent from my bank ( XXXX XXXX XXXX XXXX XXXX not being process. Now I am trying to pay the balance due, and for some reason paypal is not crediting my account or accepting payments from my bank at times. I used the same bank account with my PayPal account that I used with synchrony banking which is listed on PayPal site. A payment of {$40.00} was initially accepted on the site and then returned on the same day. Synchrony banking stated that the bank account was wrong. I told them that the account on the site was the same account that I had used for paypal. I asked synchrony banking why did the one time payment go through? I used the same bank account, for both transactions and when I authorized payments I checked the listed with the same bank information. If you look at exhibit 1 The bank account no is XXXX, and then exhibit 3 the bank no is XXXX. My complete bank account no. is XXXX. I used my online bank XXXX XXXX  XXXX XXXX XXXX for my XXXX back up and for some reason, the money did not come out of my account {$41.00} for the XX/XX/XXXX. Exhibit 6. Paypal and my bank failed me, and now I owe over a {$100.00} more and my payment went from {$28.00} a month to {$78.00}
Product: Credit reporting or other personal consumer reports

The charge-off in question pertains to ( XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this charge-off is either inaccurate or no longer applicable for reporting purposes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or incomplete information contained in my credit report. I am requesting that you delete this from my credit report accordingly. 
I kindly request the issuance of a 1099-C form for the discharged debt associated with this account. This form is necessary for my records and compliance with tax obligations. 
Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) which states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}