23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a complain with Transunion about removing an old student loan account ( Ohio XXXX University ) from my report ( file number XXXX ). The result of the dispute came back with " new information '' instead resulting in dropping my transunion XXXX score by XXXX points. Transunion and the creditor claimed that the account " First delinquency date was XXXX XXXX '' but the is not accurate as I have never made a payment on this loan since origination. Loan origination date was " XXXX XXXX '' and this has passed the 7 years as of " XXXX XXXX. '' Thus the " the negative information '' should be dropped from my Transunion report. 
Furthermore, Transunion claimed it is up to the creditor ( Ohio XXXX University ) to remove the negative information from my credit file. However, it does not make sense since the same complain was file with XXXX and XXXX removed the information from my " XXXX credit file. '' Finally, I requested explanation from Transunion as to why my score dropped, they can not explain why my score dropped XXXX points after this dispute ( No other recent activity happen in my recent financial history ). Then Transunion is asking me to show proof that I never made payment on this student loan so they can remove it from my file - But I told them that I have no way to prove it and that Ohio XXXX surely has no record of payment made by me. 

Note : The same dispute to romve " ohio state XXXX. loan '' was filed with XXXX ( file # XXXX ) and they removed the account from my XXXX credit file. 

Thank you so much for looking into it.
Product: Debt collection

Ive sent a letter to this company a few times requesting validation of the debt they are reporting, not verification. They continue to ignore my request of the proof of me having any obligation to pay them. I asked that they provide a signed agreement or any other supporting documentation that binds me to them and they have not. Im requesting that this debt be deleted with the credit bureaus but this company continues to report delinquent information.
Product: Checking or savings account

I am a longtime customer of SunTrust and since this merger. I have not been able to access my accounts, when I go online it is showing that I don't have any accounts with them. I actually have 2! If I try to login using desktop, the system will immediately log me out. I call customer service and they had me in hold for 1 1/2, then hang up.
Product: Credit reporting or other personal consumer reports

These inquiries were not approved by me, and I strongly suspect they are fraudulent. I request that you conduct a comprehensive investigation and promptly expunge them from my credit report.
Product: Mortgage

According to the Credit Reports I have an open Mortgage Account with your company. OCWEN At one time I had a XXXX and XXXX Mortgage with GMAC Mortgage. It was for a property at XXXX XXXX XXXX XXXX VA XXXX. That property was sold XX/XX/XXXX and all notes paid off. The HELOC was paid off XX/XX/XXXX. While the XXXX Mortgage was report as paid off and the XXXX was apparently not. 
Since GMAC went under and your company bought the what was left, I now have an open Mortgage listed with your company. 
After everything was paid off, I no longer have the original documents with account numbers
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous account on, y credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

Someone took XXXX dollars using XXXX on XX/XX/2020 that i dont know. I use Wells Fargo and they aren't trying to help me figure out how they did it. They telling me i did it when I clearly contacted them once I noticed someone added their name to my XXXX that I didn't add, I did not receive any information to add them either not a text nor email. I have bills i need to pay with that XXXX dollars I need my money back. But the person who added their name is XXXX XXXX. Please help me.
Product: Credit card or prepaid card

A charge to my account in the amount of {$3300.00} on XX/XX/XXXX to XXXX XXXX. I did not make this purchase nor was my card used for this purchase. This was posted to my account in error or fraudulently. 

XX/XX/XXXX I first noticed the incorrect charge. I checked my email and there was a notice from Chase on XX/XX/XXXX flagging the charge. I clicked the something's wrong link in the email and it said it was expired and listed a telephone number to call. I called and reported that I did not make the purchase and the card was in my possession and was not used by anyone. The representative said the charge would be removed, the account would be closed and a new card issued and mailed to me. He stated it would take 7-10 business days. I stopped using the card at this time. 

XX/XX/XXXX the account was still active and I called and reported the incorrect charge of {$3300.00} for a second time. The charge was removed, the account closed and a new account/card issued. 

On XX/XX/XXXX the charge reappeared on my account and I reported it for a 3rd time. I was told the claim would be resubmitted. 

XX/XX/XXXX the charge was still on my account and I called again. I was told I needed to deal with it directly with XXXX XXXX and Chase would do nothing further and the charge would remain on my account. Chase said I needed to go to the XXXX XXXX where the purchase was made and get a copy of the receipt. I advised that this was at least 40 miles away and the state of California was on a stay at home order due to Covid-19. Chase stated they would do nothing futher. 

XX/XX/XXXX I went to the XXXX XXXX XXXX, California Chase branch and spoke with Mr. XXXX. He called the fraud department and was told the same thing. He did get an email contact with the fraud department. He advise that I should try to contact XXXX XXXX and see if I could obtain an information about the transaction and resumit the any information. 

XX/XX/XXXX I contacted XXXX XXXX directly and they provided a copy of the receipt. They advised that my credit card company needs to contact them directly regarding the error. 

XX/XX/XXXX I sent an email with the receipt to Chase at the email provided by the XXXX, XXXX XXXX Chase branch. The email address provided is XXXX. 

XX/XX/XXXX I called Chase and advised that I had a receipt from XXXX XXXX. I advised that XXXX XXXX said that Chase needed to contact them directly regarding the error. I asked for an email address to send the XXXX XXXX receipt and was given XXXX to send the receipt. 

XX/XX/XXXX Chase again denied the fraud/error and said I was responsible for payment. 

The charge was flagged by Chase as possibly fraud and yet they will not remove it or investigate it with XXXX XXXX. They have not provided any documentation on their investigation or done any type of follow up with me.
Product: Debt collection

I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the 30-day timeframe stipulated by the FCRA.
Product: Credit reporting or other personal consumer reports

In pursuant to 15 USC 1681 Accuracy and fairness of credit reporting XXXX XXXX XXXX has violated my right by reporting inaccurate opening date and inaccurate last reporting date. These violations has caused me significant damages to my financial aspect of life. 
Attached is an exhibit of the committed violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud. My credit card through citibank was used without my permission or consent. The thieves ran up my credit card to a little over XXXX even though the limit was XXXX. I contacted the creditor immediately after I filed a police report. There is a police case regarding this case. Citibank ruined my life by allowing obvious fraud to continue for months. And now they have me in collections because of their own incompetency. It shouldve been a red flag to them when there were shopping sprees. My credit is bad because I trusted them.
Product: Checking or savings account

Between the priod of XX/XX/2021 and today XX/XX/2021 I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online issue exist with their XXXX XXXX. which effects my accounts with no realistic promise of a resolution. I believe I need your departments assitance to resolve this access issue. Unless, for some fictitous reason, that this issue solely is effecting me, this issue must be widespread and as widely spread, ignored.
Product: Credit card

I use XXXX to keep track of my finances and use XXXX XXXX to make my payments. Doing in it for many years. 

Since I know how in bad faith these credit card institutions operate, I always schedule the payments before the credit card due date ( yes, lessons learned ) Credit Card due Date : XX/XX/year> XXXX ) XXXX XXXX process payment on XXXX and deliver payment on XX/XX/year> ( all according to their records ) XXXX ) Citibank record in XXXX XXXX payment on XX/XX/year> XXXX ) Citibank tells me that they got payment on XX/XX/year> and charged me Late Fee and Interest rates ( something that I do not do in more than XXXX years ). 

Need them to refund the fee and interest rate charges. Already closed account and will no longer do business with Citibank. 

Just want to share that experience with other folks who could be having the same problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.
Product: Debt collection

I sent in a dispute to all 3 credit bureaus XXXX  XXXX  and XXXX  as well as to this creditor who is wrongfully reporting inaccuracies to my report Lobel Financial. In regards to this account that is on my credit report that I have no awareness of this account is negatively affecting my credit reports and it is inaccurate information. Please have this debt removed because when I sent in dispute letters to all 3 bureaus they failed to show me any proof of validation. They just verified no original contract that bears my signature no balance they say I owe or even what I owe it for. So Since they are violating my rights I would just like for this account to be removed from my credit report on all 3 bureaus.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$12000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Mortgage

We were told by our broker that in the state of LA, our mortgage interest rate can de reduced to 6 % due to our status as a military family. 

We closed on our house and reached out to our mortgage company, Mr. Cooper, and sent in our XXXX information to drop our interest rate. 

They denied our application because we were active duty while acquiring our loan. 

We reached back out and explained that per LA law, we were entitled to the interest rate decrease. Louisiana statute 29:312 C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

They rejected our claim once again.
Product: Credit reporting

Equifax has allowed XXXX XXXX to continue to report on my credit report even after I have disputed this account. Neither Equifax nor XXXX have provided me adequate information to validate or verify this account. Therefore I want it deleted from my report immediately.
Product: Debt collection

I have a debt on my account of {$9100.00}, it just listed on my account with no other information than the agency name, the date assigned, the original balance, current balance ( which are the same )
Product: Mortgage

FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack led to breach in personal security. I was listed as potentially impacted. Due to a lack of security system, my personal information is now in the hand of hackers and my credit can be ruined leading to huge personal impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilFeb XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.
Product: Credit card or prepaid card

On XX/XX/2020 I over paid my Bank of America XXXX card to the tune of {$27000.00}. I have called Bank of America several times and asked for the over payment be returned to me They have made several promises to return my money to me, but have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number
Product: Checking or savings account

I am being locked out of my account every few days over the last couple weeks in XXXX and XX/XX/year>. They are not providing an explanation to why I am being locked out. It has taken several hours or days to get my account unlocked.
Product: Credit reporting or other personal consumer reports

I came across the recent CFPB Experian lawsuit. 

I feel I was negatively impacted by this, hurting my credit score after receiving a response to my earlier disputes that the accounts were " verified ''. But never received any details or information about the investigation even after requesting it. 

I initiated a dispute through online and mail to challenge inaccurate information that appeared on my credit report. The disputed information is about a XXXX XXXX XXXX account, I stated I have never had business with XXXX XXXX 

I provided supporting documents with the dispute, including : Identity Theft Report Proof of identity ( a copy of my drivers license ) Copy of Credit Report Fair Credit Reporting Act Section 605B This lack of response and failure to investigate is a clear violation of the FCRA and is adversely affecting my credit standing. 

I am requesting an immediate investigation into the dispute and prompt resolution. Furthermore, I request that you provide me with any steps being taken to rectify the situation within a reasonable timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to file a dispute on errors on my credit report. I got the results back and it showed several things deleted on my report but still showed on my credit report. I called and asked for an explanation of there findings. Spoke to a lady and she said that they did no investigation into my claims it was verified electronically and if that was what they said then it was accurate. They did not get any information to see if this was an accurate statement no documentation to verify the accuracy of the accounts no proof of anything. I was told it was the creditors job to investigate not theirs. How is that an investigation? And why do they call it one if they dont investigate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT *XXXX  - Account # XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].