23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Submitted a credit card application in early XXXX and Chase Bank pulled my credit score. On XXXX, XXXX, I received an email about a message that was posted to my account that I should read and then call them. I tried every way possible to get into my account to read the letter, but nothing has worked. I subsequently got a hold of them via chat and was told I has to call in to speak with them. I called them and was originally told that I needed to call another department, but they werent open again until XXXX EDT on Monday ( XX/XX/XXXX ). Turns out my application was somehow routed to their Fraud Operation department and no one else can discuss it with me. 

I have now called this new number 5 times and been put on holds ranging up to 90 mins with no answer. Because of this, I reached out again to the general customer services but was told again that only the Fraud department can discuss this. I have now been on hold with them for a total of over 4 hours with no end in sight. 

They said they need to talk to me, but they will not call me or reach out to me directly. 

This is well beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I had made reports by phone, e-mail, and by writing letters using the XXXX XXXX XXXX to XXXX credit agencies explaining that the accounts on my credit report were inaccurate. The XXXX credit agencies I reported to are as follows ; Transunion, XXXX, and XXXX. The XXXX agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. XXXX weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for XXXX years straight. Thank you
Product: Checking or savings account

Somehow capital one is all over my XXXX XXXX. I never had a bank account with them. I tried to get capital one credit card. I cant access the account. One top of they told me I wasnt me. But it says I have one but when I contact them or go in person they tell me no. Its showing even on my check system report meaning something is bing done. I have been locked out my account and identity stolen in 2017. I never even used check with the bank. Two years will go by then it will disappear or wont show. Just like I have been going through for two years.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Student loan

On XX/XX/XXXX, I spoke with XXXX XXXX at Sallie Mae Bank. We had set up a payment plan to get back on track with my student loans. She had enrolled me in the Payment Extension Program and we set up 3 qualifying automatic payments. After the 3 payments were made ( XX/XX/XXXX and XX/XX/XXXX ), the past due amount was to be added to my total loan balance. The first 2 payments come out of my bank account but the 3rd and FINAL qualifying payment never came out. I made the payment on XX/XX/XXXX. 

When I spoke with my account manager about letter/emails/calls I kept receiving, he told me they had no record of me ever speaking with XXXX XXXX on XX/XX/XXXX XXXX However, she told me that this would be the case since " they don't always know what's going on. '' I am still currently defaulted and I have tried to resolve this issue and take care of the loan payments to get back on track. However, they are denying that I had ever set this up with their company. It is unfair practice, immoral and downright a lie. 

They record all of their conversations so I know that the call with her can be looked up and if nothing is done about this, I will resolve to filing a lawsuit against Sallie Mae. They need to be held accountable to their policies and their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because TransUnion is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do TransUnion XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, number:XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a credit card account on my credit that does not belong to me through Transunion, XXXX, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXXConsumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?
Product: Mortgage

I went to apply for a home equity loan and they said I have a second mortgage lien, I searched the county records and found the following. I have no records or accounts with OneWestBank. I want to have the note reconveyed. 


Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : XXXX XXXX XXXX XXXX XXXX XXXX : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : INDYMAC BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX XXXX DEED Recording Date : XX/XX/2010 Number of Pages : 1 Grantor : INDYMAC FED BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  year of credit history is no longer available on my credit report. This information includes : 1. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed student loans ( which should be removed due to XXXX XXXX  XXXX & XXXX XXXX Veteran ) since XXXX, paid unsecured loans ( XX/XX/XXXX ) and a mortgage account as recently as XX/XX/XXXX ( Home sold XX/XX/XXXX ). I provided written evidence on company letterhead showing student loans were discharged, unsecured debt was paid in full and home closing statement of the sell and yet TransUnion & XXXX refuses to use the information provided and hasn't conducted a full and thorough investigation into the legitimacy of my claim. 

I've had Representatives hang up on me and tell me to do what I want when it came to filing this complaint. I had one Representative tell me they do not take into account the information consumers provide if the lending organization says it's incorrect. There is no push back with presenting the organization the documentation they have received from the consumer. This leads me to believe that the Representatives are NOT doing their due diligence, have the duty of care to ensure credit reports are updated accordingly. 

If the credit bureaus aren't going to take the time to conduct a proper investigation, then why provide a tool to challenge the creditors if in fact they are going to side with creditor. I believe credit bureaus are a scam, especially when purchasing their products with the understanding what one receives as a credit score is correct. When in fact each financial institution using a different scoring system. 

Once enhancement that should be provided is that each bureau systems talk to each other to ensure the most accurate information is provided so as not to have an embarrassing moment believing you have a credit worthy standing. 

One shouldn't be penalized when loans are paid in full or if paid off early. My credit score dropped 14 points and no one can seem to clarify why. I do understand what the ratio of paid on-time accounts and missed payments play into the scenario, however, it couldn't be explained why my student loans that were removed by discharge ( accounts were delinquent due to XXXX XXXX XXXX also known as XXXX  scam company out of California that took my money but didn't pay on the loans ) didn't counter the drop in score. 

It is also my understand that an account in good standing would remain on the account for 10 years and that the history would play a roll in the scoring formula. Today Monday, XX/XX/XXXX I was informed that information was incorrect. If so then why leave an account on the file for 10-years? 

This has become exhausting trying to ensure my files are correct to prepare to purchase a new home XXXX. 

How can we work together to force these companies to do their jobs? I look forward to rectifying these issues and help other consumers with tools to help fight this crippling system against the average consumer. 

Respectfully, XXXX XXXX XXXX, USA ( RET )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

File an complaint on my credit card account number XXXX the was cutoff because the balance over charge monthly
Product: Debt collection

In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX  LETTER NOTICE Dear XXXX : I am disputing the above-referenced debt. 

Please verify this debt as required by the Fair Debt Collection Practices Act. 
This is a formal request for them to reinvestigate. You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. 

The federal fair credit law requires credit bureaus to report only XXXX  % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. 

The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you do not comply with this, this account must be immediately removed from my credit report as soon as possible. 

ACCOUNT : XXXX ( XXXX ) # XXXX ACCOUNT : XXXX XXXX  # XXXX Since XX/XX/XXXX, I have requested several disputes regarding these accounts and to date, they have been violating my rights, they do not respond to my disputes, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me.
Product: Debt collection

This company has contacted a 3rd party and revealed personal information to said 3rd party breaking federal privacy policies.
Product: Credit reporting or other personal consumer reports

Over the last 15 years I have been a victim of identity theft and have taken my personal credit very serious. In early XXXX of XXXX after almost 10 years I went to purchase a new vehicle at a dealership in XXXX XXXX Ca XXXX 

Upon the purchase process it was brought to my attention that several addresses were listed that I never lived at. In addition, I noticed an account opened over the internet in or around XX/XX/XXXX. Having no prior knowledge of this account I was forced to contact law enforcement to report identity theft. 

Moving forward and during this process I was forced to file a formal report with the XXXX XXXX Police Department as well as file a affidavit of identity theft with law enforcement along with all three major credit bureaus. In addition, I was informed that there was an account opened under my name completely done over the internet. Furthermore, there was a loan issued under my name in the amount of ( {$65000.00} ) which was identified by law enforcement as forged signatures, depository information was fraudulent and not in my name, and to date no payments have ever been made on the account in question. 

In closing, over the duration of the last eight months I have sent in law enforcement reports, affidavits and all necessary documentation to formally block the account which was opened fraudulently including but not limited to names, addresses, and phone numbers not associated with me. Over the duration of time XXXX, XXXX, and TransUnion has refused to " Block '' the information. Instead, the credit bureaus continue to send me erroneous letters outlining their investigation but has refused to outline what was or what was not validated. They have refused to follow both State and Federal governing laws. I have requested and demanded for them to follow statue and they have refused.
Product: Credit reporting

On XX/XX/2016., TransUnion responded to the consumer via the CFPB website. The credit reporting company promised to send copy of my credit report to the provided address within seven to ten business days. I did not receive the promised copy. Instead, I received a suspicious credit alert from another credit reporting company [ Expected ] or unexpected which is dated XX/XX/2016. I would not waste time submitting complaint against the latter because I sent copy by fax to the cfpb and the deleted information [ safety and security purpose ] is done accordingly., where ever applicable.
Product: Debt collection

AFNI # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debtNothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( XX/XX/XXXX ), 15 U.S.C. XX/XX/XXXX, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended..The account Number # XXXX