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

Every time I dispute information on equifax they drop my score. Disputes are not supposed to affect scores. They also do not investigate the problem when it takes 24 hrs to get a response from the company. I have had incorrect information on my report for 7 years. They also removed an account for 60 days and then put the account back with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, my Chapter XXXX Bankruptcy was to be deleted from my credit file ; it has been 7 years. XXXX and XXXX deleted it automatically, I am still fighting with Equifax to have it removed. 
XX/XX/XXXX - Submitted dispute to have a ChXXXX bankruptcy removed because it was discharged. RESULTS : they put the words discharged on the file. After looking closely, the I noticed that the bankruptcy was listed as a ChXXXX ( converted to a XXXX, but the court changed it back to a XXXX ). 
XX/XX/XXXX - Disputed to have the correct filing listed by sending over the court documents and requesting it to be removed. RESULTS : That XXXX has reported to them the correct information ; it remained a ChXXXX. 
XX/XX/XXXX - I called XXXX, they verified that it was obtained thru the court and that it was indeed a ChXXXX I received the report in the mail a week later as confirmation. They stated that i had until XX/XX/XXXX for Equifax to respond. RESULTS : nothing has changed. 
XXXX I called Equifax XXXX why they haven't updated my information and deleted the bankruptcy. Was told that yes, indeed, it was a ChXXXX and the update should happen within 2-5 business days. I chose to have it emailed to me. Nothing. 
XX/XX/XXXX - Called Equifax to find out why it hasn't ben update/removed. Rep told me that I was misinformed and that they don't add or delete without direct confirmation from the source ( court ). He gave me the # to the court, I called, the lady explained that they NEVER send out anything to the bureaus, ever. I called XXXX. the rep stated that it shows on their report that the info was obtained by the County Court in my state. She then stated that since I already had the report, there was nothing further that they could do. RESULTS : I am back to where I began in XX/XX/XXXX. I had to file another dispute, this being the 5th one. 
I really don't know what to do. It is bringing my score down. Help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous written requests to TRANSUNION CREDIT REPORTING dating back to XX/XX/2020, XX/XX/2020, XX/XX/2020 notifying them that there were numerous hard inquiries on my TRANSUNION CREDIT REPORT and requested that they investigate and remove them immediately as they were NOT authorized by me. As of today XX/XX/2020 the unauthorized, fraudulent inquiries still remain without explanation or response from TRANSUNION. I have also written notices to the companies listed on my TRANSUNION report and the response has been to contact TRANSUNION. Therefore, pursuant to FCRA I am enabling my right to have these inquiries removed immediately and written statements stating the documents have been deleted permanently. I have also contacted TRANSUNION several times by phone and their customer service agents were unable to help me with this issue. Many of the same unauthorized inquiries have been investigated by the other Credit Reporting agencies XXXX  and XXXX ( attached to this complaint is validation from XXXX  that the inquiry was removed ) Also is included a letter from XXXX XXXX XXXX  also verifying my account was fraudulent and they contacted TRANSUNION to remove it. ) and determined to be unauthorized and correctly removed. Since TRANSUNION refuses to follow the statute set forth in the FCRA, and I have written to all companies involved as well as call numerous times without any resolution in over 60 days from the first contact I must request assistance from the CONSUMER FINANCE Department. The inquiries to be removed are : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX CR XXXX Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 Finance/Personal ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card or prepaid card

In XX/XX/2020 my bill for XXXX did not go through when it was on auto bill.I reached out to Nordstrom and they said they saw the payment try to come out of my bank but it was rejected for security reason not lack of funds. They never once notified me of rejection but instead gave me this late payment. I never received one letter or phone call. Nordstrom said they had attempted to call but I have no record of phone calls or voicemails. I have never kept a balance because I shop there so often I can just pay the balance in store in FULL. I also set up auto payment when the card was first opened in XXXX. Due to COVID I had not been in store in 2 months because they were closed. From my knowledge I assumed any balance, especially one so small was being taken out via auto pay. 
Nordstrom failed to notify me of rejection, even after my years of loyalty to them as a customer. I no longer qualify for a mortgage because of the impact it has taken on was once PERFECT credit and nordstrom will not help with this unfair situation. 
I can guarantee that if I had been notified of a balance, a mere XXXX could have and would have been paid in full. Or if stores were not closed due to COVID I could have came in store to make the payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX. I hereby request that XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Navy Federal is reporting my account closed and paid, but it's still open and getting charged 18 % on my credit report and is automatically taking payments out of my account.I have enclosed evidence of my documents
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

I called XXXX XXXX on XXXX XXXX, XXXXto get clarification about why my number of payments toward forgiveness was inaccurate ( it is about 6 payments short of the correct number ). The representative stated that  the payments I made through my previous servicer had not been transferred over. She stated that she would put in a ticket to have this issue resolved, and that it would be corrected in 30-60 days. 60 days later ( XXXX XXXX, XXXX ), I checked my account and the issue was still not corrected. I spoke with another representative, who stated that it could take up to 90 days and that I should call back in 2 weeks and request it be expedited if it is still not corrected.
Product: Credit reporting or other personal consumer reports

My name and date of birth is in correct on all 3 credit line also the addresses
Product: Credit reporting or other personal consumer reports

SOMEONE PULLED MY CREDIT TO TRY AND OOPEN AN ACCOUNT WITHOUT MY KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Debt collection

Upon receiving notice from this company I Have never done any business with I requested they explain themselves and forward me a cop y of any contract i signed with them. My affidavit clearly stated they could take NO FURTHER ACTIONS against me until they lawfully validated and verified the debt. I heard no response from them though I forwarded them 3 different letters/affidavits, official legal documents. I heard nothing for months. 

Then I pull my credit report only to find a new " debt buyer '' as XXXX XXXX labels them to be listed on my credit report dropping my score 48 points! I called them to no avail. I rude and combative representative was not even listening to my request. I requested to speak with her supervisor, was put on hold for 25 minutes and hung up on. This company is a scam " debt collector '' utilizing illegal tactics, threat, duress and coercion. How they bring a matter to court, obtain an unlawful judgement without proof of service or ever filing a legal document and contacting the primary is beyond me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After some time after paying off my balance for my target credit card I ended up recieving a notification that my XXXX XXXX dropped. When i went through all my accounts i noticed target had a balance when it shouldn't have. That same moment i reported fraud to the bureau and to target and I have reported now 3 times that the purchases made were not authorized and there was fraudulent activity with my account.
Product: Credit reporting or other personal consumer reports

I received the results back from the investigation that I dont agree with the results of your investigation into the negative charged off accounts being reported on my credit report. I would like these accounts to be re-investigated immediately. These accounts and the negative inaccuracies are highly causing a negative impact to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 66, Subsection A-D, please provide the names and business addresses of each individual with whom you spoke to and verified the above accounts with so that I may follow up with them. Please forward an updated credit report after you have completed your re-investigation and made the corrections/deletions. 

From Experian please see accounts listed, 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: Checking or savings account

I received a call from an anonymous number stating that they were a courier attempting to deliver documents pertaining to a debt. I said that I would be at work during their deliver time and asked who or what the debt or account was for. I was given the following number : XXXX. 
When I called a very brusque and insistent operator named XXXX attempted to 'verify ' me and then said I had an unpaid debt on a Wells Fargo checking account that was closed in XXXX. The debt allegedly originated from XXXX. I was told a judgement had been made in the amount of {$950.00} stemming from an initial debt of {$720.00} left over when my account was closed. When I asked for verification I was told to 'XXXX  5 year federal debt charge ' and they then hung up. I received a call back threatening legal action if the debt wasn't paid. I have no record of any such debt. 

I then contacted Wells Fargo ( with whom I did hold an account with around that time ) but they said they had no record of an unpaid balance. I do not know if this debt is valid but have no way to confirm other than with Wells Fargo who says it is not. 
I am concerned that this may be fraud or that I will have some judgment stemming from this as the collection agency does have my valid social and some vague amount of account history. My credit is ostensibly being held for ransom. I don't know if an account was fraudulently opened or if that is a scam outright.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( s ) XXXXXXXX  Details of Fraudulent Activity : credit card accounts for a total of {$1000.00} Company Involved : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ]. Impact : This has negatively affected my credit score and caused significant stress and inconvenience. I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.
Product: Debt collection

I have had XXXX for years, they randomly and recently canceled my account and charged me over {$2400.00}. When I called and asked for a contract they said I was not under a contract, they also could not explain to me after 3 hours of recorded calls why my account was canceled to begin with and that they had no idea why I was charged. They apologized and also said that they were going to send a check out to my home to correct the problem. I also received emails where they promised me a refund and apologized profusely for charging me and canceling my account. I spent over 3 hours on the phone with no resolution. No tech came to my home, in fact the local representative advised me she was speaking with management. That was two weeks ago, and today I receive a letter from a collection agency who now threatened to damage my credit. This is absolutely false, it is racking up interest charges on my credit card, as well as falsely damaging my credit.
Product: Credit card or prepaid card

Dear American Express, I am writing to express my frustration with the experience I have had as a result of your decision to cancel my card. As an authorized user on the card, I was made aware of the requirement to submit my SSN within 60 days in order to keep my privileges. I completed this requirement and received confirmation from American Express.

Despite this, I have been declined credit when attempting to apply for a credit card with American Express. This is extremely frustrating and makes me feel discriminated against, especially considering my track record of good credit with no late payments, collections, or high balances. 

I believe it is unfair to extend such treatment to a customer who has not only complied with the requirements but also has an excellent credit record. I urge you to reconsider your decision and allow me to utilize the services offered by American Express. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting

Someone has been using my credit or SSN since XX/XX/XXXX, in XX/XX/XXXX I was XXXX-XXXX years old and in XXXX school in XXXX, on my report it states have a XXXX car loan in XXXX from that same year??? Things like this should be investigated more since i was not even of age why is it reporting? another example is a home mortgage i have from XX/XX/XXXX that is also reporting for a house that does not even exisit, this is just XXXX of the many incorrect information being reported by the agencies along with bank accounts, payday loans, and medical bills all in my name most from before i was even XXXX.
Product: Mortgage

The lender is charging me for insurance despite me showing them proof that I'm carrying my own insurance. I'm not only double paying for home insurance, but the insurance they insist on paying for me is triple the cost of traditional insurance. I've sent in paperwork over and over again for months and the lender is slow to acknowledge, impossible to get ahold of, and their reps are wholly unknowledgeable on dealing with this situation. Every day that passes, I'm burning {$20.00} in excessive insurance costs.
Product: Mortgage

We applied for a Loan Modification Application with our lender over a year ago. We have made payments that we agreed to in the loan modification agreement. In attention we were asked to make some changes to the title. After over year of making the monthly payments in addition to contacting Selene Finance for updates our loan modification application. We were told that it is still in process and once the pandemic hit that the process will take longer than expected. On XX/XX/XXXX we received a notice that the loan modification was denied due to " title issues '' - no further explanation was explained. We tried to call for further explanation and continued to receive the run around over the phone or get transferred to a different department. We are extremely frustrated and confused after waiting so long for a decision that now the case is closed and we are unable to get anyone over the phone to explain to use what " title issues '' are they referring too and etc.