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

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Address ] [ City, XXXX, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it XXXX concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX - Account Number : XXXX Please investigate and delete from my credit report XXXX. 
Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is at it again by lowering my credit score XXXX points yesterday to sell there Experian Credit Services! This has been an ongoing issue and reported in the past! This issue has been reported in the past and the FTC needs to take action as it is Deceptive Advertising/Trade! 

As Experian is not a US based company, they do not adhere to US laws and they have been granted access to US individual financial information! Please see my complaint No. XXXX filed XX/XX/XXXX with the CFPB and complaint No. XXXX filed XX/XX/XXXX with the CFPB! 

I have attached a case precedence to establish that this practice is illegal and the FTC needs to put an end to it immediately!
Product: Credit card or prepaid card

I had a fraud charge on my discover card in XXXX the credit card company determined that the charge was fraud and said they would take it off. There was another series of charges and credits but they still did not fix the original charge. In XXXX the credit card company charged this to my card again. I called to have it resolved they said it was there fault but then charged my card with two more times with a fraud charge. I called them again and they again said it was there mistake and they would fix it. They give me a credit for the two new charges but still did not credit the original charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX XXXX  would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them
Product: Credit card

Chase bank raised my interest rate from XXXX to XXXX on my current balance for purchases and any future purchases without notice to me on XXXX/XXXX/16. I tried calling the company who first stated it was done after review of my credit rating. Yet, when I told them my credit rating was steadily improved over the years since I have no late charges or over-balance issues, they stated they could do it periodically without notice to me. I then discovered that they are applying my payments which are over the minimum to the lower interest balance transfer amount before the higher interest balance that they raised without notice to me, so they can get more money from me. I want to opt out of this change and be refunded all interest charged over the XXXX from XXXX/XXXX/16 and I will stop using the card and just pay off my balance. This is unfair for them to raise my interest rate with no reason and without notice to me. I would have been treated better if I was a delinquent borrower/consumer. I should have received notice to have the opportunity to opt out the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.
Product: Debt collection

I settled a debt with National Credit Adjusters ( per attached letter ). They agreed to remove the balance and show it as " paid in full '' on the credit reports. They simply reduced the balance by the settlement amount I showed and reported THAT BALANCE to the credit bureaus. 

This is a violation of federal law including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 : it also states a consumer reporting agency can not furnish a account without written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX I received an email welcoming me to a Chime account. However, I never signed up for a Chime account. I received an additional 3 emails asking me to set up direct deposit. I have heard that Chime sometimes sets up accounts without authorization. I would appreciate it if you could investigate this problem.
Product: Mortgage

Select Portfolio Services is currently servicing my loan with XXXX XXXX being the original mortgage lender. My mortgage loan was modified with the HAMP Program in XXXX of XXXX. I was on a plan to have gradual increases in mortgage payments over a period of 8 years to then have payments stay the same from years XXXX. I filed bankruptcy, Chapter XXXX in XXXX and now my bankruptcy has been discharged. Now that it has been discharged and the mortgage payments are currrent with no arrearages, Select Portfolio has sent me a letter stating that the " Mortgage has been referred for Legal Action ''! 

I am current with my payments and on many occasions the services has claimed that payments were not being made, or either the escrow was short even when I was in bankruptcy! I have paid on all occasions and have paid shortages when they have not been shortages. In addition, based on the modification schedule through the HAMP Program, Select Portfolio has increased the mortgage amount more than the scheduled amount that is due at the time of increase. I have had no luck in getting any remedy or help from Select Portfolio other than them continuing to misallocate my funds and threaten foreclosure when I am current and have been current and I have banks statements to show such. 

I need immediate help and it appears that Select Portfolio goal is to foreclose unlawfully when they are fraudulent in all of their actions to abide by the HAMP PROGRAM. 

Also this modification, states also that I am to give them a balloon payment of {$270000.00}. after year 27 when my new loan amount when the modification was done was XXXX. This doesnt even amortized correctly based on their numbers.l
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. the account in in question is as follows. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was open with TRUIST BANK without my knowledge. 
Account Number XXXX Account Type Installment Account Account Condition Closed Date Opened XXXX XXXX XXXX Last Reported XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted disputes to all XXXX bureaus and they have not completed a full investigation. I have reason to believe this due to the recent sham investigations of credit report errors. I have sent all XXXX bureaus dispute info on XX/XX/year> and XX/XX/year> and they have not done anything but send stall letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX  ), XX/XX/2019 ( XXXX ), XX/XX/2019 ( XXXX  ) Obtained from all three.
Product: Credit reporting or other personal consumer reports

This company has been double dipping into my TRUST which is a crime this account was paid on XX/XX/year> with BUSINESS.CT.GOV Filing number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma website advertises that I am prequalified for almost all the credit cards listed on there. When I tried to obtain one, I was denied and no reason was provided as to why that was. That hurt my XXXX XXXX in turn.
Product: Credit reporting or other personal consumer reports

I had a credit karma account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made XXXX on time payments and then reported that I missed a payment that cause my score to drop XXXX points with XXXX and negatively impacted my others. I have proof that I have never made any payments to any credit builder account it was closed then credit karma fraudulently reported good and bad. I have never made a payment to credit karma for anything! I cancelled this in XXXX when I no longer had direct deposit going to credit karma. Credit karma fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled
Product: Credit card or prepaid card

Bank of America chose to arbitrarily close all of my credit card accounts and is keeping the cash rewards that I rightfully earned. I received a letter at the end of XXXX advising me that all of my credit cards were closed due to high balances on other cards. I have never missed any payments on any of my cards ( whether with Bank of America or any other banks ... all of my credit card accounts are current and all payments have been made on time ). In fact typically pay the balances on my Bank of America cards in full with no missed payments so they have no reason to have closed my accounts. While I disagree with their decision to close my accounts, if they choose to do so, they need to pay out the cash rewards I have earned on these accounts. 

Further, they did not allow me a chance to redeem the rewards I have earned. I have called multiple times to try to get them to pay out, most recently on XX/XX/18, but they have refused. 

My rewards according to their website should be as follows : Card ending in XXXX = {$550.00} Card ending in XXXX = {$620.00} Card ending in XXXX = {$92.00} Total owed = {$1200.00} I will attach screenshots of my rewards balances on my 3 accounts taken from Bank of America 's own website on XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.XXXX XXXX XXXX, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
Product: Credit reporting or other personal consumer reports

am writing to dispute a recent negative impact on my credit score as a result of a pre-approval offer from XXXX XXXX. On XX/XX/2024, I received a pre-approval notification from XXXX XXXX for their credit card. It was my understanding, as communicated by XXXX XXXX, that pre-approval offers do not result in any negative impact on credit scores. 

To my surprise, upon checking my XXXX XXXX after accepting the pre-approval offer, I noticed a significant decrease in my score. This decline in my XXXX XXXX has adversely affected my financial standing and has the potential to impact my ability to access credit in the future. 

I believe this decrease in my credit score is unjustified and should be rectified. I request that the negative impact resulting from the XXXX XXXX pre-approval be removed from my credit report with all credit reporting bureaus. 

I am more than ready to share all necessary supporting documents, including the pre-approval offer from XXXX XXXX and documentation showing the decrease in my credit score following acceptance of the offer.

I kindly request that you investigate this matter and take appropriate action to rectify the negative impact on my XXXX XXXX. Please inform me of the results of your investigation and any steps taken to address this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX ( Original creditor ) XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$770.00}.
Product: Checking or savings account

Potential fraud committed on my debit card. Told fraud team about issue and they stopped payment. I was told to go to a local branch and get a replacement debit on the same day. 

When I went to the local branch in XXXX XXXX  they were having " system errors '' all over the bank and were unable to issue me a card. They told me they would call me when the card was ready. 

They never called me. 

I went in after XXXX business days to check on the " system errors '' and my card was ready. The local branch failed to call me. 

Then, on Tuesday XX/XX/XXXX, I received XXXX replacement cards in the mail telling me to activate each card. 

I went to the local branch to complain and they offered no help. I told them I was concerned that the issuance of these many cards without activation would cause them to freeze my account. They offered no assistance.
Product: Mortgage

Received the loan from 21st mortgage on XX/XX/2019. they advertise loans with 10 percent interest rate and terms upto 23 years. Our loan is for 10 and one half years and interest of 11.74. I believe they discriminate based on age, giving higher interest rates and shorter terms to older consumers. 
I contacted them with my complaint and they gave me a bogis answer that I never heard during our loan application process. At the time of our loan negotiation that excuse was never mentioned. My loan is for a small mobile home on rented land, we gave 10 percent down and ended up with a loan amount of {$45000.00} with payment of XXXX per month.
Product: Debt collection

I contacted creditor USAA Savings Bank because I want to pay off this account in the amount of {$3400.00}. They told me another agency brought the debt, but the requested it back. They said they can not accept payments until the collection agency that has the debt sends it back to them. I believe this is illegal to do, since the account was transferred to a collection agency and now USAA Savings Bank has requested it back. I am eager to solve this matter, but they can not give me information on to whom I must send the payment to. Please advise.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I transferred {$200.00} to Robinhood. I purchased XXXX and then sent this off to another investment platform. This worked well, so I transferred another {$800.00} and attempted to do the same thing. Robinhood locked my account down and will not let me have my money back. In the meantime, I have no lost money while trying to sort this out. There is approximately {$720.00} in my account. I lost almost {$75.00} because they wouldn't allow me to transfer my money anywhere. I was willing to cut my losses and move on from this company, but they are now holding my money hostage. They tried calling me, putting me on hold for nearly an hour before I hung up. They asked for my bank statement and I immediately sent that to them. They called again, this time connecting me to a rep after 20 minutes. The rep was in a very loud call center and I could barely hear her. They were reading from a script, but the questions they were asking seemed like they were treating me like a criminal. They still wouldn't unlock my account. They tried calling again, leaving me on hold for an hour. My time is more valuable than that! I will not answer again if they don't have a rep immediately available to talk to me. They have since asked for a copy of my license as well as selfies. They have those now. There is nothing else they could possibly need to ask me before releasing my funds. I have proven this was real money that came from my bank account. Again- it was only {$1000.00} I sent to Robinhood to use for investing. There was nothing fishy going on and I filed no complaints. They immediately locked my account the first day I used it and now they will not give my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violatedmy federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602a states I have a right to privacy 15 USC 1681 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 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 consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX