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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a GAP VISA. I do n't owe them anything. I never opened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with Experian and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with XXXX and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.
Product: Checking or savings account

In XXXX of XXXX, I tried to take XXXX dollars out at an ATM, and the money got stuck and I didn't recive my money so disputed the transaction. It's been over XXXX years and that has not been solved yet. My debit card got hacked in XXXX of XXXX, I tried to file many disputes for that and it never was filed correctly, finally in XXXX of this year I got a dispute started for an ATM withdrawal for XXXX dollars. I have not heard anything about that dispute or received a credit. I am upset because no way should it take XXXX years to settle a claim. I would like that money back from thar claim and Mt XXXX credit for this claim, because I am not willing to wait over XXXX years again. It should never take this long. I am very very disappointed and once I get my credit for this transaction I am going to close my account with current. I should not have to file complaints to get them to give me answers. Over XXXX years is plenty of time to finish a dispute. It's like nobody is actually looking into the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I called the NCTUE phone number XXXX to obtain opt-out of prescreened promotions. I have contacted National Consumer Telecom & Utilities Exchange via several certified letters ( 3 certified letters ) and have asked for PEMANENT opt-out of prescreened promotions. I provided NCTUE will all the documents that they required to process the permanent opt-out, including copy of my NM driver 's license, copy of social security card, name, address, date of birth, XXXX Police report, FTC identity theft report. I have received a letter confirming the 5-year opt out. However, I asked for PERMANENT opt-out and this has NOT been accomplished by NCTUE. I would like cfpb 's assistance in this matter. thank you.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

In XXXX, 2023, I received XXXX credit card offers from Chase and XXXX XXXX. 
- I applied for both offers and subsequently received XXXX credit cards. I promptly purchased items to meet the required amount to receive my XXXX miles per offer/card. 
I received XXXX statements, XXXX for each credit card, which show that I was rewarded XXXX on each card for a total of XXXX miles from Chase. 

When I checked my XXXX XXXX XXXX account, I found that only XXXX miles. 

I called Chase and was informed that even though I meet the terms and conditions on each account that I was only able to receive XXXX miles for XXXX account. 

I am an older man with somewhat limited mental capacity. Chase business practices in this manner are predatory and discriminating. If this issue is not resolved, I will be filing complaints with the following agencies, XXXX, XXXX XXXX, Federal Reserve, State Attorney General 's office in Oregon and Federal Trade Commission. Additionally, I will file a small claims suit in Oregon.
Product: Debt collection

PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.
Product: Credit card or prepaid card

On XX/XX/XXXX I returned some tools to XXXX and they was paid for with my Bluebird card so XXXX put the money back on my card so next morning XX/XX/XXXX when I seen money wasn't on my card I called the and here what Bluebird is telling us is that XXXX made a mistake or a error when they tried to put money back on my card they didn't and only to take out the same amount again and Bluebird even told me that might not get money at all and there isn '' t nothing they can do but when I called XXXX and ask them they called Bluebird on the phone with me and Blue bird tried to lie again but the lady from XXXX let them know she been listening to mine and their call and thats when they bluebird finally told me for first time was that the whole mistake was there mistake and said it could take 8 days for the money to return to my account ... .. But wait this isn '' t the first time they have done this to me last month the same thing happen the whole thing until XXXX call Bluebird on phone with m e on line with them I believe that this company is just holding up our money just to draw interest on it and another is try and call bluebird 1 number don '' t work and the other hangs up ( by itself on their cardholder ) and last times it took 3 days for me to get my money and thats what I been told this times until today now they said didnt know when
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AVANTE XXXX Balance {$54.00} ; AVANTE XXXX Balance {$200.00} ; AVANTE XXXX Balance {$85.00}
Product: Mortgage

I am filing a formal complaint regarding the mishandling of my loss mitigation appeal by Freedom Mortgage for USDA Guaranteed Loan. My concerns are as follows : Mortgage Recovery Advance ( MRA ) Calculation Error & Denial Without a Clear Payment Amount I originally applied for an MRA, but my request was denied because the reinstatement amount of {$42000.00} exceeded USDAs 30 % cap on unpaid principal balance. 
Based on my principal balance of {$130000.00}, the USDA 30 % cap allows for an MRA of up to {$41000.00}. This means the difference required to qualify is only {$460.00}. 
I informed Freedom Mortgage that I am willing and able to pay the required amount to bring the MRA within USDAs limit, but they have refused to provide a clear statement of the amount needed for compliance or allow me to proceed.

USDAs own guidelines allow borrowers to contribute funds to bring an MRA request within eligibility limits, yet my request to do so has been ignored. 
Loss Mitigation Appeal Denied Before 30-Day Review Period I submitted an appeal on XX/XX/year>, and Freedom Mortgage denied my appeal immediately on XX/XX/year>, despite USDAs requirement that servicers provide a full 30-day review period. 
This is a violation of my right to a fair review under USDAs loss mitigation process. 
Failure to Consider a 40-Year Loan Modification as an Alternative Solution USDA  allows loan modifications to extend to 40 years in order to prevent an increase in the borrowers monthly payment.

Freedom Mortgage denied my modification request, citing that it would result in a payment increase, but they have refused to evaluate a XXXX term, which could resolve this issue. 
This is a failure to exhaust all available home retention options, in violation of USDAs servicing rules. 
Foreclosure Process Initiated Despite Active Loss Mitigation Efforts Freedom Mortgage has instructed me to contact the foreclosure attorney, even though I am actively seeking a USDA-approved loss mitigation solution. 
USDA guidelines state that foreclosure should not proceed if the borrower is attempting to cure the default. 
Since I am willing and able to bring the MRA within USDAs guidelines, my loan should not be pushed toward foreclosure. 
Formal Request for USDA Intervention I am requesting that USDA : Direct Freedom Mortgage to provide me with a written statement of the exact amount I need to pay to qualify for the MRA so that I can immediately resolve this issue. 
Require Freedom Mortgage to reconsider my appeal fairly and in compliance with USDAs 30-day review period.

Ensure that Freedom Mortgage evaluates a 40-year loan modification option as required under USDA loss mitigation guidelines. 
Pause any foreclosure activity while I am actively working to cure the default through USDA-approved loss mitigation solutions.

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint and advise me on the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID XXXX has ben closed without proper documentations being provided and within the appropriate time frame. Per NCB they claim to have provided the necessary documents to verify or validate the alleged debt.

As Per CFPB 1006.34 Notice for validation of debts all items should be provided and I have not received these in its entirety and for this should be removed from my consumer report immediately.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

My XX/XX/XXXX statement indicated a minimum payment due on XX/XX/XXXX in the amount of {$30.00}. 

It also indicated a promotional plan expiration date of XX/XX/XXXX with a remaining balance of {$35.00}. 

On XX/XX/XXXX I made a payment of {$30.00}. On XX/XX/XXXX I made a payment of {$36.00}. 

On XX/XX/XXXX I contacted Customer Care to confirm that the amount above the minimum was applied to the promotional balance. I received written confirmation that it would be. However, my XX/XX/XXXX statement reflected otherwise. Subsequently, interest charges were applied. 

I filed a complaint with CFPB. The company responded but did not provide accurate information. CFPB closed the complaint without allowing rebuttal. This complaint includes additional documentation which reflects XXXX   failure to honor promotional terms.
Product: Vehicle loan or lease

I do not have an auto loan with LendingPoint LLC. 
My auto loan is via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters, and how many CFPB complaints do I need to submit to the Credit Reporting Agencies for them to finally correct my Credit File be fixing the disputed accounts or completely removing them from my Credit File. I have been disputing for the correction of my Credit file and yet the Credit Bureaus have done nothing! I previously sent a dispute letter last XX/XX/2022, with complete attachments of my personal information and yet the Credit Bureaus have done nothing! I am submitting this CFPB Complaint as a follow up to the previous CFPB complaint I submitted on XX/XX/2022. Once again, I am requesting to the Credit Bureaus to please investigate and correct or remove the following accounts that are reporting erroneous information on my Credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on 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 1681i, which mandates a reasonable investigation for disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX, XXXX XXXX XXXX Department of EducationXXXX and All previous addresses need to be removed.
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 the credit report, Leaving inaccurate or unverifiable accounts unresolved. 

The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systemic issues such as failing to forward Consumer provided information to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experiences Where experian has neither corrected or removed disputed Items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to amend or remove the disputed accounts, as experience actions violate federal law and my rights as a consumer.
Product: Bank account or service

On XX/XX/XXXX and XX/XX/XXXX my checking account with Chase Bank was the subject of fraud. Chase alerted me to the issue via text on the night of XX/XX/XXXX. I called the fraud hotline to have me debit card frozen and the report XXXX additional transactions I did not make. On Monday XX/XX/XXXX Chase removed XXXX charge that was not authorized from my account and reimbursed XXXX of the remaining fraudulent charges. They have refused to refund the remaining XXXX charges claiming they were not part of the fraud. As all XXXX interactions I 've had with Chase have been on the phone I have no documentation and when I requested written documentation from Chase they have refused to provide it. Their refusal to provide written documentation and the obvious outsourcing of the Fraud Center is concerning. If a large bank refused to help protect the consumer after a fraud breach it makes it very difficult to deal with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016, I purchased a used vehicle from XXXX. ( Colonial Auto Finance ) I traded my current vehicle that was purchased from XXXX  towards the purchase. Within a week I started experiencing mechanical problems, and continue to over the next couple of months.After the vehicle being put in the shop for a week here and there, eventually I was told the cost to repair the mechanical issues were more than the vehicle was worth, but they could do a return or 'acceptance of collateral ', which would satisfy the purchase price of the vehicle and in turn would not have a negative effect on my credit. I agreed to those terms and went elsewhere for my next vehicle purchase. About a year ago, while trying to get financed on a house, we were told this debt was showing up negatively on my credit report. I contacted the dealership where I purchased and spoke to the manager I had done the deal with. He reassured me he would get in touch with the corporate office, and remedy the situation. We have disputed the debt through credit-monitoring companies, but still have a derogatory remark on our credit, showing the account is closed and the remaining balance was never satisfied. We have requested removal. We have contacted the finance company directly, who told us it should reflect negatively because it shows us to be current on payments, however there is no balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I am NOT Equifax customer.     I am not Equifax customer and I do n't remember I ever registered with Equifax, IF I did I do n't think I will share with Equifax with my personal information like " STUDENT LOAN THINGS with Equifax.     Equifax provided my personal financial information a widely with third parties without my permission.     I contacted Equifax this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted Equifax and requested a dispute my credit report, Equifax asked me security question " like how much student loan do you have, and who is the loan provider?     The Equifax NOT my student loan lender, this not Equ ifax business,  and again I do n't remember I did share my student loan information with Equifax, again I dont want to share my student loan information with Equifax, so I refused to answer Equifax 's security QUESTION which related to with my personal financial informations. And Equifax said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request  XXXX  to dispute my credit history from the   XXXX   website.       XXXX   I am  XXXX  customer.     I am request   XXXX   to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.       XXXX   provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request  XXXX  to contact me first before provide my credit history to THIRD parties
Product: Credit reporting or other personal consumer reports

Paypal unauthorized inquiry Used my information without my consent
Product: Credit card

Destiny /FB Credit Card is on my account fraudulently the account has been opened since XX/XX/2023 Ive reported the issue several times to the credit bureau I need this item disputed off my ASAP Ive submitted a copy of my drivers license and ss card
Product: Credit reporting or other personal consumer reports

I have an inquiry on my report that I didn't run from Capital One on XXXX XXXX. I have filled with FTC about fraud being on my accounts with FTC ON XX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX  report and TD Bank indicated that two transactions of {$20000.00} were returned on XXXX XXXX XXXX  This information is incorrect