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

This is re : the Equifax leak in early XXXX 2017. Equifax told me my  information was potentially leaked, and then wants me to sign up for a complimentary " fraud protection service '' organized by Equifax, the selfsame company that leaked my information. On top of this, signing up with the " fraud protection service '' waives your right to participate in a class action lawsuit against Equifax for making the leak happen in the first place. Equifax are crooked.
Product: Credit reporting or other personal consumer reports

Approximately around XXXX XXXX XXXX, I contacted this company and asked to have their " hard inquiry '' removed from my credit reports. I was told that I would have to make my request to the three credit bureaus.

Today, I contacted Experian, and they told me that hard inquiries 'must '' stay on this ( under my name and social security number ) credit report for XXXX years, and they could and would not remove any of them. 

My reason for asking for the removals is because due to the auto dealership, there were several that are now causing a negative impact on the state of the credit bureau report that is under both my name and social security number. There were " XXXX '' hard inquiries made on the same day, by the same dealership, which will remain for a duration of XXXX years. 

I did not benefit anything form any of these other companies for the purpose in which they made their initial credit inquiries.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Authorized credit card on my account that was cancelled by Amex on XX/XX/2020 ( after two billing cycles ) without informing me. I have been speaking to the company about reporting this card to credit bureaus and I reached out to them six times during this two month period ( Both customer care and also Credit reporting department ). I was told each time that it will be reported on second billing cycle and we do have all the required information. When it was not reported on my second billing cycle of XX/XX/2020, I called again and I was told that there is some issue with the system. We will look into it and might have to send a manual reporting. 

I called them again to find out that my card was cancelled on XX/XX/2020. I asked for a reason of non-reporting regardless as card had two billing cycles. I am being given excuses and this issues is being ignored. This is a clear violation of FCRA ( Fair Credit Reporting Act ) when the company is reporting selective information to credit bureaus.
Product: Credit card or prepaid card

I had multiple XXXX XXXX transactions on my credit card and debit card and, after noticing several expensive items were missing from my home, I called the police. My cousin was subsequently arrested and admitted to making the transactions with her boyfriend. A warrant was issued for her boyfriend but he had not been found yet. I called and Disputed all the transactions with Self financial and provided them with the arrest report number. However, they forgot to close my card and even more transactions came after. I now got a notice in the mail stating that they determined no error occurred even though there was an arrest made for the fraud. It is difficult to even speak with someone and when you do, they have no knowledge on the subjects. This is a fake company and they make money on others hardships.
Product: Credit card or prepaid card

Someone purchased XXXX XXXX  with my information. The original fee was XXXX but after late fees it is now more. This was a Capital One credit card. I have contacted the credit card company and told them I havent had a Capital One card in so long. I explained to them it could be my card and someone used it without my permission or someone opened a card with my information. Capital one is not doing anything to resolve this issue and they dont care. I have contacted XXXX XXXX  to try to get any information from them regarding the purchaser. Im waiting on a response from them. I have also filed a police report.
Product: Student loan

I have contact Edfinancial Services after learning about Biden 's Student Relief Act taking place. I wanted to take full advantage of the program so I requested a refund on all amounts I paid on my student loans to Edfinancial. I called the company in XXXX and they confirmed that I would get a refund of {$3100.00}, but it would take 150 days and it will be deposited via ACH. I was then told that once I get the refund, it will reflect on my account and I could apply for debt relief. As more information about the debt relief act came out, I started to learn that the 150-day mark is not sufficient for the timeframe of when I can apply for the relief. It goes MONTHS after. 

I have contacted Edfinancial Services again and have not heard back. I keep calling until I get someone to handle my case appropriately. This timeline is not okay to give refunds when they know the application is done this month!
Product: Mortgage

BMO Harris is inaccurately reporting information to the credit bureau on XXXX loans. My XXXX credit report, dated XX/XX/XXXX, indicates that I have scheduled payments that are past due. This is untrue. Further, it reports that both loans have 25 year terms, which I believe is also untrue. My XXXX BMO mortgage loans both matured on XX/XX/XXXX and no longer require regular scheduled payments and this is validated by my monthly Mortgage Statements from BMO Harris, which do not show any monthly amount as being due. It is true I have a balloon payment that is due and I will work with the bank to resolve it. However, what is being reported to the credit bureau is false and needs to be corrected.
Product: Mortgage

I am not clear on the details of all transactions. I have been trying to reconstruct the timeline and have made calls to the companies numerous times inquiring about the changes to my mortgage, but they would not allow me to obtain them or outright lie to me. Someone refinances my house many times an it is not in foreclosure. Rather sold to my brother for a quarter of its worth with my signature giving him the gift of equity and purportedly giving me a right of refusal in two years.

Prior to this I paid all payments to XXXX XXXX, but apparently there were 2 separate mortgages on my house from two separate banks. Im still unclear exactly what occurred, but there were multiple transactions and I was unaware of them, nor did I benefit from them in any way. 

XXXX, an mortgage co I only learned of around XX/XX/XXXX appears to have had a mortgage on my house since XX/XX/XXXX along with XXXX XXXX. 

Payments appear to have been made to both banks, but Im unclear on how or what account they came out of. 

Whoever refinanced appears to have stop making payments or a time period elapsed Around XX/XX/XXXX and foreclosure proceedings were sent to me for different dates, times and places.

In response, I used Keep Your Home Ca to save my house when it was in foreclosure and my mother as POA helped me with all the details. Im learning now that both XXXX, Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, the mortgage broker and possibly someone very close to me all played a part in obtaining all such mortgage transactions as they appear to all be done online and use the same signature page of A GFE I initiated myself in XX/XX/XXXX. 

I have documentation of inquiries and now subsequent to the sale to my brother Im left with nothing. Not even the right of 1st refusal which would have allowed me to either repurchase my home of 17 years for what I sold it to him for, or it be sold and equity split between us fairly according to my years in the house, my gift being repaid and market value according to its unique value. 

Ive been given nothing, rendered homeless and have no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of domestic assault by my ex. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXXXXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next XXXX XXXX years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to XXXX XXXX who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and XXXX XXXX with your company. The second, fraudulent account with XXXX XXXX XXXXXXXX ended up getting deleted from my credit report with XXXX but the account from XXXX XXXX stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX  was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with XXXX XXXX and Experian. The account with XXXX XXXX should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately 1. USAA FEDERAL SAVINGS BANK
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account 2 years ago but I lost my debit card somehow and I lost access to my account I called XXXX XXXX and reported it and ask them to close it in XX/XX/XXXX they did. I thought they did because I ask them to until the XX/XX/XXXX I went to open another account with XXXX XXXX and they said I couldnt because I added a check of XXXX to my account and I took the money but the check was returned and they had to pay the money and that has my credit report bad I cant open no bank account and I know who might be the one who did that so I want to report because I cant open bank account or do anything that ask for credit report
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on 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 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 despite 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 Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

A company by the name of credit control sent my best friend a text. 
It said ( my name ), Credit Control XXXX XXXX  is trying to reach you regarding your account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Texas state law, this debt has passed the statutes of limitations, no collection attempt will be able to be made through means of reporting to the credit bureaus once the statutes of limitations has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute of incorrect information to creditor to please provide me proof that the discrepancies on my credit report were actually from usage of me and my personal credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
Product: Checking or savings account

Chime gave someone access to my account whi then stole money from XXXX have been a victim of identity fraud by Chime. On XX/XX/XXXX, someone stole XXXX. 2 days prior, I received text messages asking me about support rating. Thats when I realized that someone is trying to hack my account. I opened the chat and wrote, please help, I think someone is trying to hack my account. I got the response that someone would call me. I never got that call. The next day, when I attempted to log in, my password had been reset and I had an email saying that I sent XXXX to an email XXXX at XXXX am. While I was sleeping. They even went in and left a chat saying I need a loan XXXX transferred XXXX from my XXXX savings at XXXX, and then sent {$1000.00} at XXXX to the XXXX. This means that someone called into chime, and was allowed access to my accounts.They changed my information and passwords! I have disputed this twice and I keep getting denied saying no error occurred! I also filed a report with FTC for identity fraud as well as locked my bank accounts. I do not know whom this person is that took my money nor do I know how they were given access other than by Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  and Discover. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is Discover Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

The account is reporting incorrectly. There is an auto deduction from my pay twice a week and it is impossible for this file to be in this status. I'm requesting for this file to be changed to current and paid as requested. 
Here is a copy of proof of the deductions. 

XXXX From : XXXX > Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX XXXX Subject : Garnishment Payment Notice XXXX XXXX XXXX XXXX XXXX Garnishment Payment Notice Hello, A payment in the amount of {$520.00} has been deducted from your paycheck dated XXXX, for a Child Support. This payment will be sent to XXXX XXXX XXXX, XXXX, ALABAMA, XXXX via a/an ACH. 

If you have questions regarding the validity of the order or obtaining a modification or release, please contact the agency directly : ALABAMA CHILD SUPPORT PAYMENT CENTER Garnishment information is now available online on XXXX XXXX now XXXX Use registration code : XXXX Already registered Login XXXX  How to register and benefits of XXXX? 

Have questions about your garnishment? Chat support is now available 24x7 with XXXX 's Virtual Assistant. 

XXXX Link will expire on XX/XX/XXXXXXXX  Regards, XXXX  This is an unattended mailbox-please do not reply. If you do not wish to receive further updates from XXXX about your wage garnishment via e-mail, click here to unsubscribe. 

You are receiving this e-mail because your employer receives garnishment services from XXXX. Please note this is a service communication and you may continue to receive service communications as long as you remain an employee of an XXXX client. This communication does not constitute legal, tax or other professional advice. This communication and files within it are confidential and are intended solely for the individual to whom it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please contact XXXX at ( XXXX ) XXXX. 



XXXX, the XXXX logo and XXXX XXXX are registered trademarks of XXXX XXXX XXXX XXXX  A more human resource. is a service mark of XXXX XXXX XXXX All other products are the property of their respective owners. Copyright XXXX XXXX, XXXX All rights reserved. All rights reserved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX  with a balance of {$770.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX  on my credit report as a charge off. 
I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving NegativeXX/XX/XXXX These XXXX accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX
Product: Debt collection

Upgrade 's website system would not take a payment from me so I called their customer service and they wanted me to pay a higher amount than what was due.
Product: Consumer Loan

The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting

On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX