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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my equifax account to file a dispute for months and have not been able to log back into my account. No matter what I do it continuously tells me my account is not accessible and i have to try again later, quote : " We are temporarily unable to complete this request. 
Please try again later. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} Transunion - XXXX  {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}
Product: Mortgage

Please be advised that I recently filed a complaint under this case # XXXX, however, since I filed that complaint there has been additional correspondence with XXXX  ( XXXX XX/XX/XXXX XXXX ) that I deem to be unsatisfactory and quite honestly another stalling tactic. 
I reached out to XXXX for mortgage assistance back on XX/XX/2022 and for the last 3 months it has been nothing but games and zero transparency. I called them yesterday to make a payment and they asked me if I am accepting the " trial payment '' that they are offering, a great deal of pressure on the phone whether or not I was accepting the terms. I never received the letter in regards to the hardship forbearance therefore they emailed it to me yesterday and it is quite disturbing. Instead of lowering the payment to assist they increased the payment by {$600.00} which results in a new payment of {$5200.00}, If I cant afford to currently pay {$4600.00} why would they suggest to increase the payment. I called them back after reading the email containing the letter and questioned why the payment would increase and not decrease and they referenced that the " escrow '' increased which is not accurate as my mortgage recently decreased by {$100.00} due to changes in the escrow. I requested that they send me this information via letter/email and they stated that this was internal information and that they could not disclose this information to me. It appears to me that the intent is malicious, unethical and that they are trying to force homeowners into foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX XXXX, EXPERIAN services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND EXPERIAN AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE EXPERIAN CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I disputed an item on my experian credit because XXXX informed me that, based on my agreed terms with them, ones my collection account is XXXX on that day, XXXX, XXXX of the supervisors will inform credit bureaus to delete the collection. XXXX XXXX account was deleted from my account on XXXX, the XXXX. I logged in my experian membership account on XXXX2015 and found the account deleted completely. Some staff at experian put the account back on as paid, and closed on XXXX XXXX. I disputed the information as inaccurate with supporting documents from the merchant, requesting experian to delete the collection account. Experian staff threatened to block me from accessing my account if i kept calling them, Since then i could not access experian account or dispute any information on my report. I am currently denied my basic right to dispute a wrong information on my credit.I am only allowed to dispute over the phone. I am including a copy from the merchant authorizing account to be deleted and confirmed that they did contact the XXXX bureaus and was deleted. I did provide this documents to experian through online and fax.
Product: Mortgage

My house flooded on XXXX/XXXX/2016. I sent the advance check from my flood insurance company to Ocwen Loan Servicing along with a letter showing it was only and advance and not the complete claim. I have sent their required documentation several times and over 6 weeks later I still have not recieved any money to start the repairs to my house. I have had to use my own money to pay for gutting and drying so that futher damage would not occur.
Product: Payday loan, title loan, or personal loan

Company gives you the impression youre getting an unsecured personal loan when in reality is a secured loan, secured by fictitious goods made-up by the underwriter. Without your consent they add collateral items such as electronics to the contract that you have never told them you own, they do all this without consulting you and rush to sign the documents and tell you nothing about what theyre doing. It wasnt until after I signed that I read my contract in full and found this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I feel betrayed to see these inaccurate late payments, I have informed you that they are in direct violation of the federal law under 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.
Product: Credit card or prepaid card

I submitted a dispute Through XXXX and they never got back to me. I submitted a complaint through Wells Fargo and they gave me a credit and they took it away.On XXXX I purchased tickets to celebrate my birthday for this concert and the concert was canceled with a day notice and Rescheduled to a further date in XX/XX/2022. Unfortunately I wont be in town during those dates so I wont be able to make it to the rescheduled concert. I Really hope you can help me fix this inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. XXXX XXXX XXXX and XXXX
Product: Debt collection

I ( a natural person ) was issued a false debt that was issued in the mail. I responded to Investment Retrievers INC. letter on XX/XX/22. I have not received proper validation of the alleged debt as I asked in my response letter. I was instead sent another collection letter which is disappointing that my original request has been completely ignored. I do not recall contracting with this company let alone giving permission that they obtain my location information and contact me multiple times. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( Experian, XXXX, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( Experian, XXXX, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Product: Prepaid card

On a recent trip I used my bluebird account to pay for the hotel. 
Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect DOB : XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.
Product: Student loan

I woud like for this loan to be forgiven because the school I attend XXXX XXXX AKA XXXX school and this school advertised to me that they had a job placement percentage of 80 %. The school was closed due to such claims. So I am requesting that my loans be forgiven. Due to my experience being impacted by such claims.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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 XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report where Ive noticed an account I previously disputed still reminds in my credit with comments if reinvestigatuin however the investigation has been ongoing for a year now and the bureau refuses to delete the account which clearly hasnt been verified and validated in addition the bureau has failed to provide proof of verification or validation within the required 30 days The account in question on with XXXX XXXX XXXX XXXX and the proof is attached of the credit report Also the bureau shows several account with no account details, payments, last date of activity this is unlawful and the accounts should be deleted ASAP
Product: Money transfer, virtual currency, or money service

Resolved debt through XXXX XXXX XXXX selected by debt reduction company Freedom Debt Relief in XX/XX/2019 for {$11000.00}. The precedings were held in XXXX, NC. The law firm as well as XXXX have filed documents concluding the debt collection. Freedom Debt Relief has not acknowledged the resolution and they have not adjusted my account. I have called and emailed several times but they have not performed their duties in accounting for the debt resolution. They wish to continue drafting my account monthly and collecting fees.
Product: Credit card

I got denied for a credit card from Bank of America they ran my credit without my permission wich is fraudulent and reported abt it wich resulted in a inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Email received. Multiple emails of this nature coming from different senders. 

Wow Great News! This Is Amazing! Your New XX/XX/2021 Scores Are Now At a Record High Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, TransUnion and XXXX  Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America
Product: Debt collection

The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it.
Product: Debt collection

I received a debt collection notice from a collection service, on our around XX/XX/2022 The amount of the debt to be collected is {XXXX} In the notice I was informed that I needed to contact the collection agency by XX/XX/2022 to stop the disputed charges. 

I immediately contacted the collection agency to dispute the charge. I also asked for billing records from the creditor. After reviewing the billing records, it is my belief that I owe a balance of {XXXX} that I am happy to pay. 

I contacted the collection agency via email on XX/XX/XXXX and told them I believed I owed the amount of {XXXX} On XX/XX/2022 I sent a follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a second follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a third follow up email, stating I had been trying to resolve the dispute for over two weeks, and that I had not received any response to the information I had provided. At that time I inquired if I should consider the matter closed. 

I obviously wasn't going to receive any information from the collection agency. I then contacted the collection agency by phone. I told them that I had been attempting to resolve the issue for over two weeks. During this phone call, the collection agencies agent informed me that the creditor had up to thirty days to respond to my dispute. 

I called the collection agency today. It has been five weeks since I filed the dispute. 
The collection agency told me that the matter was " on hold ''. I stated that I was given a certain time to respond to the initial collection notice, which I did, and that the creditor had a specified time in which he needed to reply, which he failed to do. 

It is my belief, that since the creditor failed to respond in the specified time, that the matter should be dismissed. I feel that the collection agency, FCR is acting unfairly by allowing the creditor more than the thirty day response time. 

I would like to mention that the creditor went out of business without any notification. I had never received a bill or late notice for the amount in question. I also have approximately 15 emails that document the billing problems I had with the creditor in a two year period
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months, I have contacted Discover Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to Discover Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from Discover, and a documented ledger of my payments being on time ( provided by Discover ), I opened a dispute with XXXX. The dispute was kicked back, as was 4 other attempts. 

When reaching out to XXXX as to why this was the case, I was told that Discover said the late payments were valid. This is a direct contradiction to what I had been told by Discover and also contradicted the documentation that Discover had provided which showed payments being made on time, not delinquent.