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

I attempted to unlock my credit with TransUnion after a lock had been put on my account back when I was a minor. I am no longer a minor, and did not receive any information as to why I was unable to run my credit until the 5th or 6th phone call I made. In between each call, I was attempting to receive a car loan and only found out that my credit was still locked when the bank notified me each time that they could still not run my credit. 

Each phone call I made, I was notified that my credit was unlocked and given different responses about what they did to fix the issue. The fixes they stated were that they verified my identity ( multiple times ) and removed the document from my file. 

Finally on the last phone call they notified me that my credit was suppressed ( this was the first time I had been notified of this ) and I would have to call a different support line, which was not available the day I called. I am still in the process of dealing with this issue, and have not successfully contacted the suppression support team. I will be calling them tomorrow to attempt to remediate the suppression. 

This issue has prevented me from being able to receive a car loan, and they have failed to convey the issue or why my credit is locked in an appropriate time frame. 

For reference, I made my first phone call to them weeks ago. I have been unable to receive any documentation showing what I have requested, or what they have changed on my file because they do not do emails.
Product: Credit reporting or other personal consumer reports

How can a clear inaccuracy on a consumer report be verified? Experian believes that I have been late however both XXXX and XXXX show no record of me being late on the account. My records do NOT indicate that I was ever late. See attached. I demand verifiable proof that I was ever late.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received an email from a company called XXXX XXXX  telling me that my credit application was approved. I did not apply for a loan from this company. On XX/XX/XXXX, the company deposited {$1000.00} in my bank account. I called my back to inform them that I did not authorize a loan request.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry and had no communication with the lender on the specified date.
Product: Money transfer, virtual currency, or money service

I have reported unauthorized Zelle payments and have never got a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

This company kept on calling my phone line ( automated ) saying this is not to collect payment but is to lower my interest. And that they have been trying to reach me to lower my interest rate. I do n't have a credit card but XXXX  credit card. This company has been calling me using so many different numbers that i kept blocking. This is the last number they called me on today XXXX.
Product: Credit reporting

I filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The bankruptcy was completed and discharged on XXXX XXXX, XXXX. Equifax put the company, that was included in the bankruptcy as an open account, 1 month late with a balance of usage of 97 %. I complaint to them on XXXX XXXX, XXXX, explaining that the company was included in the bankruptcy and discharged. They ask me to fax documents proving this, which I did on XXXX XXXX, XXXX. 
I fax them my original bankruptcy paper dated XXXX XXXX, XXXX, a copy of all the creditors, which included the company I was complaining about and my bankruptcy completed and discharged papers dated XXXX XXXX, XXXX. They send me credit file : XXXX XXXX, XXXX, confirmation # XXXX. They just put included in bankruptcy, but left status balance amount of {$9200.00} and past due {$9200.00}. I claim again and spoke to Rep., XXXX on XXXX/XXXX/XXXX @ XXXX and complained about the balances, she transferred me to Supervisor, XXXX , she said she would file another complaint to the company, because she said the company has the right to report it and the would have to remove it, they could not. She said it would take an additional 30 days. I then contact the company ( US Post Office XXXX ), I spoke to XXXX XXXX on XXXX/XXXX/XXXX @ XXXX, I fax her the bankruptcy documents andshe changed the information 10 business days later. Equifax then updated the information, with what she put in the file, but they kept it as an open account, even throughit is not. So my credit score when up, with the corrected information. On XXXX XXXX, XXXX, Equifax reinserted the information and said the company did it. I have not had any problem with any credit reporting agency, but Equifax. All the other credit reporting agencies, when I send them my bankruptcy documents, did not allow any companies included in the bankruptcy to report anything, but that they was included in the bankruptcy and no balances, including the US Post Office XXXX. By them constantly putting this information on my credit report, it is constantly lowering my credit score. I do not know what else to do, but to have a third party, as your company, to get involve.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is not going on 90+ days since I have opened a dispute with XXXX , Equifax , XXXX  XXXX. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX
Product: Mortgage

Closed on this loan XX/XX/2023. {$6000.00} escrow hold back from cash out proceeds to be used for replacing flooring { LVP and new carpet } to be finished within 90 days of closing. {$1900.00} paid to flooring company, from hold back funds for materials, balance to be paid upon completion of work. Work completed XX/XX/2023. IHFA refused to pay balance to flooring company on XX/XX/XXXX. Any funds remaining were to be released to me by check. I contacted IHFA and was told I needed to pay {$150.00} out of hold back to them for appraiser to verify work is complete. I asked them to show me documentation from closing regarding this since I was unable to find it in my copies of the closing. They were unable to provide that and instead sent me a copy of an in house order for an inspection. 
Since XXXX they have sold my mortgage to XXXX XXXX. They gave me a refinance based on the appraisal that was done in XX/XX/2023. The only stipulation I was given was that the flooring job had to be completed within 90 days of closing, which it was.
Product: Student loan

I have been incorrectly billed/charged. Late last year, I called Ed Financial to inquire about the news of the student loan forgiveness program that was being floated around in the news. The person with whom I spoke accidentally and incorrectly thought I was requesting a reimbursement due to the National Emergency Forbearance/COVID Relief Program. 

I never received these funds, nor have I deposited them. I have W2 filings and Bank statements to prove this out. Furthermore, the check is void after 180 days, which we are way past at this point as it is XXXX months since the check was mailed out. 

Back in XXXX I followed up over phone and the representatives confirmed this was an error on the billing teams side and they were going to locate the check. A representative confirmed that I do not owe them any funds, and that once the check has been located the refund request would be cancelled, which should set my balance to XXXX. I can not legally be made to repay funds I did not receive, and I have proof that this is the case. 

The account balance is still showing {$1200.00}, which is incorrect and invalid as I have never received these funds nor intended to request them.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and have no idea how they got there. I checked as I usually do, only to find unexpected discrepancies. I even tried refreshing my browser in case it was a glitch, but nothing changed. Im incredibly frustrated and am urgently requesting a detailed review of the documents I submitted so that I can finally stop worrying about this.
Product: Payday loan

Account sold to  XXXX  party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work.
Product: Credit reporting

experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts.
Product: Debt collection

Debt collector from XXXX XXXX XXXX in XXXX XXXX Washington ( XXXX XXXX I believe ) contacted my employer on multiple occasions after she had already confirmed my current address and phone number. First spoke with my supervisor where she revealed personal information about me and my debt to them compromising my employment and then spoke with me. when I asked her not to speak with me or contact me on my work phone she said she could if she wanted to because she was collecting a debt and if i paid it she would stop calling my work. This can not be legal
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under favorable circumstances. I am writing to express my deep concern and frustration regarding the multiple attempts to correc the late open accounts from my credit report. Despite my continuous efforts and submissions of supporting documentation, the accounts remains on my credit reportas late payments, adversely affecting my creditworthiness. I understand the importance of a thorough investigation, and I appreciate your dedication to maintaining accurate credit reports. However, the protracted resolution of this matter is causing undue stress and financial hardship. I kindly request that you conduct a comprehensive review of my dispute and take immediate action to rectify the inaccuracies on my credit report by correcting the late open accounts. Timely resolution of this issue is crucial to my financial well-being, and I believe it is in the best interest of all parties involved to expedite this process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling of disputes particularly in light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institutions and zelle failed to investigate my claim adequately they informed me that recovering lost funds was impossible and that tracking these transactions was understandable. The CFPB 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Checking or savings account

Greetings, I have opened a checking bank account with chase, all have been good until I lost my debit card, the pin number was on the card on the white paper. I didn't realize it until a XXXX dollars were withdrawl from the bank. I recieved a fraud message and I immediatly replied that I didn't do it. They opened a claim, it was denied. I contacted them several times, they stated that I had done it. They even closed my account so I wouldn't call anymore. I need help please.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my account {$220.00} that consists of 6 overdraft fees even though I have draft protection. In all my years, as a Bank of America customer, even if an overdraft fee was assessed, which was rarely, Bank of America would credit the fee back within days. This time, it has been a month yet no credit. I find it unethical and illegal to assess a {$35.00} overdraft fee on an amount less than that. For example, I was charged the {$35.00} fee on a payment of {$22.00}. 4 out of the 6 payments were well under {$35.00}. This pushed my account even further negative and completely ruined my budget. A few days later I got paid to make the account positive. The only reason my account went negative in the first place is that my employer was weeks behind paying. All of my fellow XXXX  including myself were unaware of this delay. As a Bank of America customer for over 10 years I should not have to be exposed to such egregious behavior especially thru the difficult times we are in.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have been affected by unauthorized activity that has negatively impacted my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted. 
Fraudulent Accounts 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every two months Experian drops my credit score by 25 point with absolutely no reason.

Since I expressed my objection numerous times, I have no choice but to look for help somewhere else.

Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation.

After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by 25 points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. 

As per Experian website statement itself : 6 Reasons for credit score to drop Why Your Credit Scores May Have Dropped If you've noticed a drop in your credit scores, some common reasons might explain why : 1. You Have Late or Missed Payments- No, I didnt!

2. You Recently Applied for a Mortgage, Loan or New Credit Card- No, I didnt!

3. Your Credit Utilization Has Increased-No, it didnt!

4. One of Your Credit Limits Was Lowered-No, it wasnt. Only my  XXXX went down from XXXX, XXXX to XXXX limit, but it was already reflected on the report. Besides, your regular 25 points drops go way back past that time. 5. You Closed a Credit Card-No, I didnt 6. There Is Inaccurate Information on Your Credit Report-No, there is not. Unless you, Experian, input it there and I didnt catch it. So far I managed to correct all your misinformation. 7. You've Experienced a Major Event Such as a Foreclosure or Bankruptcy- No, I didnt.
Product: Credit reporting or other personal consumer reports

Several accounts and cc on my Experian, Transunion and Equifax credit report have not been updated by Experian or the company. On my report it displays, NR for not reported. I am needing these updated urgently to reflect the accurate payment status and balance of account. The accounts are LEAD BANK, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reporting duplicate accounts by the same data furnisher XXXX XXXX {$1100.00} and account {$12000.00}. XXXX XXXX 2 different accounts {$23000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. Lawrence v. Kenosha County, 391 F.3d837, 481 ( 7th Cir.2004 ). Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report {$44.00} information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( Westra v. Credit Contral of Pinellas, 409 F.3d 825.837 ( 7th Cir.2005 ) XXXX XXXX XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$500.00}.
Product: Credit card or prepaid card

XX/XX/2023 : Credited my account in the amount of {$160.00} XX/XX/2023 : Email received stating the credit of {$160.00} was in error XX/XX/2023 : Email stated the correction will appear on my next monthly statement and the amount of the credit will charged to my account. 
XX/XX/2023 : Call to Discover talked to XXXX in XXXX who stated because I had received a credit it would be removed and the {$160.00} would be a charge on the next statement. My statement was I didn't make the mistake of crediting my account why am I paying for their mistake? Well because you benefited from the {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity MasterCard is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XX/XX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and Commenity - nothing has been updated in nearly 3 months.
Product: Debt collection

in XXXX i had a XXXX  XXXX visa card they sent it to me with a {$300.00}. credit limit then i got a bill for $ XXXX.they charged me {$240.00}. in fees which left me with a {$60.00} credit limit i never used the card. here it is now XXXX and i get a rude email from resurgent capital services saying they just purchased my old account in XXXX and now i owe them $ XXXX.in fees and to add them to my email account cause they will be contacting me constantly until i pay them. this account is over 11 yrs old every yr i pull my free credit report and has been since XXXX i have my credit report from XXXX it is on the report can you please stop them from re-aging this 11yr old debt and putting it on my credit report i know what they are doing is illegal I had contacted them but they say they just bought it last yr i am disabled and on a fixed income due to a injury i had to file bankruptcy to keep my home which im currently in i don't need this 11 yr old debt showing up on my credit report the account is XXXX reference code XXXX and i don't need them calling me and emailing me or putting this old acct on my credit for 7 more yrs that would be a total of 18 yrs about this 11 yr old account i know the statue of limitations is 7 yrs please help me thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. TransUnion and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 or other personal consumer reports

I am filing this complaint after receiving and reviewing a copy of my credit report. I noticed there are fraudulent inquiries listed on my credit report.