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

on XX/XX/19 I received an email from Experian stating " Your account has been updated, XXXX You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX '' I did NOT authorize or change any of my log in credentials. And emailed them immediately after this occurred. However, the identity thieves changed my recovery email, password, and security questions so now I am locked out of my account. I contacted them by phone but they refuse to change the account back to what it was prior to XX/XX/19, ie I am requesting that the original email be reinstated so that I may log into the account. 

I have sent daily emails to the XXXX and have received no response or resolution. I also contacted them on XX/XX/XXXX, XX/XX/XXXX and XXXX by phone and they say nothing can be done.
Product: Mortgage

I have mortgage with US Bank. It is a 15 year mortgage taken out in XXXX. There have been no late payments on the loan over the term. the complaint is due to an insurance error by the bank in mortgage escrow. My homeowners insurance that is escrowed increased significantly so I found a new more competitive insurance policy. 
US Bank made the payment to the old insurer in XX/XX/XXXX. I informed US bank of the change and the payment was returned to me by the insurance company. I made a payment back to escrow to reimburse since a new insurance payment was going to be made. 
US Bank admits the returned escrow payment was made but for an unknown reason, the payment was never recorded. This caused a shortfall in the escrow amount. I disputed the recalculated escrow amount due to US bank errors from XX/XX/XXXX to current. 
My mortgage payment is an auto pay from another bank and payments have been made each month but not to the erroneous amount that US Bank claims. As a result, US Bank has continued to not apply my payment and each month holds it in " suspense '' and charged late fees and I believe has reported as late to credit reporting bureau.. 
I have tried to work with US Bank on this and have escalated to their management to no success. 
I have continually told US Bank I will continue making my old payment amount of approx {$3600.00} each month until I receive a correct escrow statement. I finally received what I think is a correct escrow statement and made a catch up payment of approx {$250.00} in XXXX and changed my auto pay to the new escrow amount. 
It is now XX/XX/XXXX and my latest payment made on XX/XX/XXXX is still showing in suspense and is reported as late. 
I wish to complain formally about US Bank and it's practice of mischarging and misreporting to my account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : 1. ACCOUNT : XXXX XXXX XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, closed date, creditor type, creditor remarks, last payment, term length, account type, payment frequency, and credit limit. 
XXXX. XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, closed date, ACCOUNT STATUS, creditor remarks, last payment, account type, payment frequency, and credit limit. 
XXXX XXXX XXXX XXXXXXXX, account #, last verified, date of last activity, date reported, date opened, CLOSED DATE, Disputed Information : account status, creditor remarks, original creditor, last payment, past due amount, account type. 
XXXX. XXXX XXXX XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, creditor type, account status, payment status, creditor remarks, last payment, term length, past due amount, account type, payment frequency, and credit limit. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request EXPERIAN prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : SSN, BILL, PICTURE OF INACCURACIES AND DRIVER LICENCE.
Product: Vehicle loan or lease

I was told through oral communication that in order to get a loan for a lease on the new vehicle, I would have to share the detail to the car dealer. And that it would be only a soft pull on my account and not a hard inquiry. 

They gave me a form and I was asked to fill the details, which I had to provide to them, hoping that it would be only a soft inquiry. The sales representative I dealt with was by the name XXXX. 

After getting my ssn and other details, they made me wait for hours together, telling me that they were trying to get me a loan approval for the lease. And I didn't know what happened in the background and I was made to wait for hours. And finally I left since there was no response from them. They didn't provide me any details or ask my permission for trying with more than one vendor, they simply used my details to play around and I had to sit there and wait on the premise that something was delaying for a simple soft pull on my account. I was misused for their business strategy and they wanted to run through my details to all lenders. I figured out this only after looking at my credit karma report, showing multiple hard impacts. 

When I checked my XXXX XXXX account for XXXX, i realized that there were two hard inquires on the same day XXXX the XXXX. Which I never authorized. I was mislead in saying that it is supposed to be a soft pull and got exploited of the business tactics. I would have never gone in for a hard inquiry if I had known, because I already knew that it wouldn't have been a right thing to do. 

Kindly do the needfull. I feel very bad for being exploited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there were a few inquiries on my report that I did not recognize. & had not applied for. I contacted Equifax and told them I did not apply for anything from XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX and requested that it be deleted and they refused. I want this deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, XXXX XXXX ; XXXX, XXXXXXXX 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 Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$120.00} ; Original : XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$100.00} ; XXXX XXXXk XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for XXXX, trans union and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation Discover card ending in XXXX XXXX I am writing to express significant concerns regarding Discover 's recent reinvestigation results on the account associated with my name. Discover 's failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

Discover allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that Discover 's actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt.

Discover 's failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues.

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Product: Debt collection

For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax about XXXX XXXX XXXX Acct # XXXX. Upon completion of their investigation I received paper reports stating the account was deleted. I also have credit monitoring screenshots from credit karma that shows the account was also to be removed. I pulled my Annual Credit Report for Equifax on XX/XX/2021 and the account is still showing. I have also pulled my Identity IQ report that was refreshed on XX/XX/2021 which also still reflects the account on credit file. The dates for the removal of the account was on XXXX different occasions : XX/XX/2021 and XX/XX/2021. I have not received any notices claiming they were going to reinsert. I have been disputing this account since before XX/XX/2021. However, I have only attached screenshots from the most recent investigation. Equifax simply refuses to remove the account. They are violating my rights. Their refusal is causing a negative impact on my credit score. I have sent additional disputes with copies of screenshots as well as the paper reports they sent me back to them and they still will not update my credit report. They claim they can not re-investigate a dispute that has already been investigated with proof! How is that even possible? I am not sure what else I need to do. Equifax 's refusal to remove an account that was supposed to be removed TWICE WITH PROOF is a violation of my rights to an accurate credit report! Their lack of concern for consumer law is negligence!
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$3100.00}. i went and closed bank account at XXXXXXXX XXXX XXXX XXXXXXXX, Ohio when i found out about. me and one of chase workers went to the office to get things taken care of. the guy at chase told me he had token care of everything that was fraud. he even looked everything up on the account and see that i didn't do it. was told i could open up another account because he had gotten everything taken care of. and i went to XXXX bank because of what happened at chase. XXXX. had to shut down bank account at XXXX because of my account at chase bank was not taken care of with the proper help that was given to me at chase. XXXX bank never told me to get a police report in XXXX when my account was tampered with. This year XXXX XXXX that's when XXXX had start telling me to get police report and proof of getting new phone. i brought all paperwork to them and all i have been getting is the run around. i called XX/XX/XXXX to chase to see what was going on with my account with everything in they said i needed to call zelle to get my account right. Was told by chase since it was fraud thought zelle a third party i couldn't do anything. case # XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX Money Network card from my employer that my payroll is deposited to. On XX/XX/2020 5 unauthorized purchases posted to my account. Under the dates XX/XX/XXXX, I have charges for {$29.00}, {$1.00}, and {$120.00}. A charge on XX/XX/XXXX for {$14.00} and a charge dated XX/XX/XXXX for {$53.00}. I called the customer service department twice on XX/XX/XXXX to dispute the charges and asking for an explanation of the charges. I was told to call back in 7-10 days to allow the charges to clear and possibly I could dispute them. Id have to fill out a form, wait for them to investigate and it could be 90 days before Id see a refund, if they found the charges to be fraudulent. They refused to give me any information or an explanation as to how the charges were made without my card being swiped or anyone having access to my card or PIN numbers. Three of the charges are at a liquor store in NJ and I live in MT! They were rude, dismissive and kept asking if Id given my information or permission to anyone to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

they wont provide my notice of approved and my written wett ink signature .so equifax XXXX mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have XXXX late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly equifax has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze equifax report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of you.i need my credit report unfreezed from equifax i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to Experian, XXXX, nor XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of XXXX granting the XXXX payment extension. Also attached is a XXXX bill showing XXXX receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached XXXX refuses to provide the details of its {$280.00} interest calculation. XXXX refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.