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

I am writing to formally dispute the inaccurate and/or incomplete information appearing on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of consumer information and conduct proper investigations upon dispute. 

The following information on my credit report is inaccurate and has not been properly investigated or corrected despite my prior dispute : Despite my previous efforts to resolve this matter, your agency has failed to comply with the FCRAs statutory requirements. As per 15 U.S.C. 1681o, a consumer reporting agency that negligently fails to comply with the FCRA is liable for actual damages, costs, and attorney fees. Your failure to correct or reinvestigate the disputed information constitutes negligence under the law.

To resolve this issue, I am demanding the following actions : Immediate reinvestigation and correction of the inaccurate information.

Written confirmation of the resolution of this dispute.

An updated copy of my corrected credit report.

Failure to comply may result in legal action to seek damages as provided under 15 U.S.C. 1681o, including but not limited to actual damages, attorneys fees, and any additional remedies available under the law.

Please consider this letter a formal notice. If I do not receive confirmation of correction within 30 days, I will explore all legal avenues to ensure compliance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian and XXXX selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX XXXX  ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.
Product: Vehicle loan or lease

Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : CPS/XXXX Amount : {$500.00} Date Opened XX/XX/XXXX This shows it's a debt for an Auto Loan.

It still shows that I owe money to my loan which I do not. I have completely paid off this loan back in XX/XX/XXXX It is also showing several late payments as well that is uncorrect. 
I have called this creditor to get this resolved they mentioned they would remove lates and update the system to show paid but this is still reflecting on my credit report that I owe. 
The company has provided me a Letter of proof stating that this debt has been paid. 
I would like to request this debt to be Updated to show XXXX balance owed including removing falsely lates. 
Please let me me know what I have to do do get this removed especially since this debt has been paid and I have proof of the letter attached. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}
Product: Debt collection

as per 15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. 

This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. 

My identity was taken, and Falsey inserted on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested TransUnion to fix my credit report profile in their system because third-party systems can not find any information about me in the TransUnion database XXXX Over a month ago, I created a support request ( Case # XXXX ) and have escalated it multiple times, but the issue remains unresolved. I was informed that my profile is split for some reason and needs to be corrected. Due to this issue, I am unable to use services that require TransUnion credit score checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had reached out to my financial institution Comenity Bank now known as Bread Financial regarding a transaction that was placed on XX/XX/XXXX for the amount of {$710.00} from the merchant BJs as I had never gotten my package at first. Later on, it did show up but later than expected as I needed it for a gift for someone, so I had returned it back to the merchant on the XXXX of XXXX and it was delivered to the merchant warehouse on the XXXX of XXXX. However, the issue is that the merchant has yet to have refunded me for the transactional my account despite returning the merchandise to their warehouse. So, I'd reached out to my financial institution to update and clarify the situation and dispute to further reflect that I had never received a refund despite returning the merchandise. I had also first reached out to the merchant to attempt to remedy the issue and in regard to receiving a refund however they refused to assist me in any way and so I reached out to my bank, but the problem is now that my bank themselves are denying my claim despite clear proof was returned to the merchant and had recently reversed the transaction making me liable for merchandise I no longer have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since i started making complaints with CFPB about Equifax, they have blocked my internet access to view my credit report or dispute items on my credit report at ( https : //www.ai.equifax.com/XXXX ) now that i have complained about Equifax Inc i am having problems i did not have before. 
I would like Equifax to stop bullying me and restore access to my account, credit reports and my dispute results. 
I also believe Equifax Intentionally mispelled my address again after it waas corrected. 
( They have my adress as XXXX XXXX XXXX ) - ( My address is XXXX XXXX XXXX ). 
That intentional change of that 1 letter has caused me problems and financial difficulty. 
It should be listed as XXXX not XXXX.
Product: Checking or savings account

I am writing to File a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

On XX/XX/2023 I purchased a plane ticket to XXXX from XXXX. I purchased through XXXX XXXX I was going to see my mother that was over there. The flight was for XX/XX/2023. I was unable to make my flight as i became sick with covid. As i am asmatic I did not want to risk traveling and getting my mother even more sick. I contacted XXXX XXXX. They stated that they could refund me the flight due to the circumstances. The price of the flight was over XXXX XXXX I ended up only receiving back XXXX XXXX I tried to speak with the airline but never recieved an answer. I then attempted to file a chargeback with Bank of America. They stated that due to the airline giving me a partial amount BOA couldn't do anything for me. I have tried and tried to get my money back but I do not know what else to do. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account with TD BANK aka Nordstrom Card Services. They reported my account as overdue past 30 days XX/XX/2020 to my credit file and my credit score dropped XXXX points. Due to the XXXX epidemic, I was very XXXX, I was XXXX I have never had a late payment with Nordstrom. I called and asked to be enrolled into a covid program and the representative assured me I would. In light of being XXXX, I still attempted to make a payment, I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from the XXXX received a notice on my credit monitoring that my XXXX, XXXX, & XXXX score had plummeted XXXX points. I had EXCELLENT credit and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 6 year cardholder with exceptional payment history. I am so incredibly frustrated Please help me with this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXX XXXX - XX/XX/2018 Another one was from XXXX- XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies to remove adverse information from my credit report despite my status as a survivor of hXXXX XXXX, and my previous submission of the necessary documentation in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a survivor of XXXX XXXX I am protected under FCRA Section 605C, which mandates that credit bureaus block and remove adverse credit information related to fraudulent accounts or debts incurred as a result of my XXXX situation. 
On [ date ( s ) of previous submissions ], I mailed the required documents, including proof of my XXXX status and identification of the fraudulent accounts. However, despite complying with all the requirements, the credit bureaus have failed to take the necessary action to block and remove this information from my report. The continued presence of these inaccuracies is causing significant harm to my financial recovery, and it violates my rights under FCRA Section 605C. I am requesting the CFPBs immediate intervention to ensure that the credit bureaus comply with their legal obligations and remove the adverse information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the information on my Experian report about a student loan. The original company, XXXX / XXXX ( acct XXXX ) is showing negative information about the student loan when I wasn't able to pay. The loan has been transferred a couple of times and I have been paying regularly. The company that now has it is XXXX XXXX XXXX ( account XXXX ). This negative listing from XXXX  is impacting my ability to obtain a higher credit score and impacting my opportunity to own a home reflective of my earnings. I would like to have the negative listing removed and for all 3 of my credit reports to show my current payments towards this debt.
Product: Checking or savings account

When my account was placed on deposit only status I my personal account was suspended in addition to my business account and I was not able to access any funds I was told the IRS HAD TOLD THE BANK TO PLACE THE HOLD ON ALL MY ACCOUNTS, since then Chase has closed one account and sent me a cashier check for the balance approximately XXXX $ now I requested them to close my business accounts as well seeing as though all the accounts were placed on hold together, I have contacted them numerous times an provided additional verification that should satisfy all the necessary requirements for them To release all my funds. This is a violation of my rights an their banking agreements. How can they tell me something different every time a not review this in a timely manner, this unprofessional service is unacceptable and I have lost important customers and business associates because of this.
Product: Mortgage

I have previously submitted a complaint and Wells fargo has done nothing to resolve it. Time and time again I try to ask questions of clarification about documents they need and they are either totally unresponsive or tell me they can only talk to my realtor. I have been dealing with this for six months now. I have had an offer on the home and I have been proactive and they are anything but. My SPOC will call me with an update that is basically, " there is no update. '' ALl they did with my last complaint was to send me proof that they gave me information about the short sale process. They did not do anything to indicate that they are actually trying to resolve the issue.
Product: Debt collection

XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX XXXX XXXX XXXX and someone is trying to open a loan without my permission by this company. SYNCHRONY FINANCIAL XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX Woven Canopy Bed, Gray Wash, Queen, # XXXX, QTY : 1, {$840.00} + Shipping and processing {$140.00} + tax XXXX for a total of {$1000.00} ( order # XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, NC. The assistant manager helped me with the purchase and opened a new XXXX XXXX credit card since it was under a plan of no interest if paid in a year. A few days later, I registered online to start making payments. XXXX XXXX directed me to Comenity Bank. To my surprise, I had been charged on that same day, XX/XX/XXXX, something that I had not purchased for {$280.00}. When I called the bank, the customer service representative told me that the amount had been charged even before the sales lady at XXXX  XXXX had charged my bed and that it had been an online charge for XXXX XXXX XXXX. I went to the store to tell XXXX, the assistant manager, what had happened and she was very surprised. She emailed some executive from her store about my issue back in XXXX. Never heard anything from anybody. 
It has been over two months I have been disputing this fraud with Comenity Bank and just now, XXXX, XX/XX/XXXX, XXXX EST, the customer service rep from this bank said that the dispute department resolution was to keep the charge on something that I didn't purchase.
Product: Credit card or prepaid card

Portfolio Recovery Opened XX/XX/2019 ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX A As you can see, the debt collector is stating that I have disputed then again stating that there were no disputes. 

This account is an account that - A : I have no knowledge of and this becoming more difficult with the misleading information. 
- B : This account is beyond the statute of limitation which was stated to be by multiple collectors from this company.

- C : If this is beyond the statute of limitations then the dates are inaccurae also which makes this negative item illegal and against the Fair Credit Reporting Act
Product: Debt collection

I have tried with several disputes about the balance that is incorrect. They are constantly changing the amount due on this account. I have two different amounts they state that I owe. My balance states {$540.00} but the amount owed is {$550.00}. 
The collection agency is Wakefield but there is no account number or address listed in the credit report to contact and I have no correspondence from them. The original creditor is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to XXXX XXXX. Both companies have yet to provide any validation bearing my signiture. After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
Product: Debt collection

I am writing to express my deep concern and frustration regarding the handling of my dispute, which is in relation to the rules mandated by the law. I have followed all necessary procedures, submitted the required documents, and complied with the legal requirements, yet I find myself facing undue delays and a lack of compliance on the part of Experian. 
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX As an individual filing this complaint, I have adhered to all the stipulated guidelines, providing accurate and complete information to support my case. However, it appears that there is a continuous passing of responsibility without the matter being adequately addressed. This has not only caused significant inconvenience but also raised doubts about the effectiveness of Experian 's dispute resolution process. 
I kindly request that you review my case with the utmost urgency and ensure that it is handled in accordance with the law. The delays and lack of compliance are causing distress, and I believe it is in the best interest of both parties to resolve this matter promptly. 
Thank you for your understanding and cooperation.
Product: Credit reporting

Hi, This debt is over 15 years old and they keep selling the debt to other companies and those companies are re-packaging the debt and they are reporting it negatively every month to the credit bureaus.
Product: Vehicle loan or lease

I filed bankruptcy back XX/XX/XX/XX/XXXXto get fresh start everything all debtors was notified did not receive in file backs, all creditors have disappeared on bankruptcy except bridgecrest I have reached out to them with proper documentation and reached out experian about this as well and it is not being removed The only credit report it is reporting on is XXXX
Product: Money transfer, virtual currency, or money service

XXXX called Well & XXXX Each said the The other one had to fix the problem. Went through this circle a couple of times. Filed complaint with Wells. Asked to speak to management, but no Avail. Answer I'm getting back is I can no longer use my cell phone number or the email addresses I submitted. This is totally ridiculous as I have had both email and phone number more than 20 years.. 


I do understand how this can be suspicious Activity as my customers and I were setting up the account and trying to get things to work before everything was in place. 

It should not be an acceptable practice to prevent people from using personal emails or phone numbers on XXXX because someone doesn't want to take the time to go in and edit the database.
Product: Payday loan, title loan, personal loan, or advance loan

Tally shut down but auto-payments were still being collected. During the transitioning my loan statement to new company ( SST ), the auto-payments are set up moving forward except the first payment. I am now being threatened with this being reported on my credit due to non-payment despite my great credit history overall and payment history with Tally. 

I was not notified that my auto-payment was not received by the new company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Dept ED Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Credit Account # XXXX, XXXX XXXX Account # 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 my written instructions