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

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681section 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 card or prepaid card

I open an American Express platinum card for XXXX XXXX in XX/XX/2019. I finished the spending requirement {$5000.00} with the first three months after I opened this card and get a bonus of 60000 Membership Rewards points. However, the bonus has been clawed back this month ( XX/XX/XXXX ). They tell me the reason is this card has been canceled ( because of my XXXX XXXX access investing account is canceled ). But most importantly, I used to call them several months ago and the representative tells me that if the membership rewards were given to my account and they will never remove it. Obviously they lied to me. 

My American Express platinum card for XXXX XXXX is canceled is not I want to close it willingly ( not like some gamer just want to get the bonus and then terminate the account ). The reason for the cancellation is The XXXX XXXX access investment account close my account and they do not let me to reopen a new account and dont tell me the reason. I am still working on that. 

Above all, I can prove that i am not a credit card gamer so my bonus rewards should not clawback.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX - XXXX XXXX Balance : {$13.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$13.00} XXXX XXXX Balance : {$160.00}
Product: Credit card or prepaid card

This is a continuation of original complaint..COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. 

On XX/XX/XXXX I wrote a check for my balance and got it to the post office. As of today I have not seen the check post, I have reached out to Comenity several times, I called them and got a representative who said he would put a " ticket '' in for it. I have followed up ... nothing. They are not responding. So as of XX/XX/XXXX, this will be a late charge which is what I am trying to avoid. If they have the check I need to know NOW. If they don't, I need to know NOW. 

" On XX/XX/XXXX after receiving my XXXX statement on-line, I copied it and sent it along with my check for {$2700.00} to the payment center ( XXXX. XXXX XXXX, XXXX, TX XXXX ), The envelope was addressed by hand as I did not have your payment coupon which did not come in for several days later. I wanted to get this paid in full immediately. To date, I have not seen that check post. I called a day or two ago and there should be a " ticket '' submitted by your account representative inquiring as to where the check is ... do you have it ... if not, I have to cancel the check and make other arrangements. I need an answer to this as soon as possible ... not going to be dinged for a late fee, etc. Thank you. I can be reached at XXXX or by phone at XXXX. You have not responded to this question. I need an answer, please! '' This is the third time I have reached out to them ... NOTHING back from them. This is totally inexcusable!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have come across information reported from the XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX and again on XX/XX/XXXX I spoke with XXXX and XXXX at XXXX XXXX XXXX XXXX   and was informed that all my accounts were current in the amount, however, an account in the amount XXXX and XXXX has never been late because it does not exist. XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed. XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and they both informed me that these 2 accounts don't exist however the ones that I do have are current and never been late. Yet your credit reporting agency is still reporting this inaccurate fraud and based on XXXX its non-existing info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6600.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans mentioned above do not exist or could be a result of identity theft as I have been a victim of. I will be forced to sue Transunion id these accounts that are a result of identity theft continue to be reported onto my file.
Product: Credit reporting or other personal consumer reports

I have over 8 fraudulent car loans on my credit report with equifax informational services. I have submitted ftc report after ftc report and nothing has been removed or deleted. Everytime i call in, over the last 6 months i keep getting hung up on also i keep getting told my ftccreport either isnt valid or they did not receive them which i have sent every letter in the past 6 months certified mail.
Product: Debt collection

XX/XX/year> {$14.00} This debt was paid in full, however, it is reported as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Debt collection

i used to have a credit card with XXXX XXXX XXXX, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company MIDLAND CREDIT MANAGEMENT, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time
Product: Money transfer, virtual currency, or money service

Money was sent to a person I dont know using Zelle it was {$500.00} and my bank didnt want to do anything
Product: Money transfer, virtual currency, or money service

I tried on different occasions to dispute transactions made on my cashapp and I was unable to speak to someone to explain the situation and the system always denied me getting my money back several times
Product: Credit card or prepaid card

I received a letter from capital one showing they have no record of an account.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.
Product: Student loan

On XX/XX/2024, my student loans we're forgiven through the PSLF program and a letter was sent to me by Mohela with the good news. I had been waiting MONTHS for this news so that the balance will drop from my credit and my score will go up accordingly. Sadly, it has been almost 4 months since that letter, which makes a FULL YEAR since my loans were technically forgiven. That has cost me thousands of dollars in interest payments at a higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Transunion, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 1666b ( Late Payments ) ,15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .____________ Account/ # - XXXX XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ____________ Account/ # - XXXX XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B_____________ Account/ # - XXXX ( Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5_____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _______________ Account/ # - XXXX XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _______________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed. 

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 
. 

XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX
Product: Mortgage

We want XXXX XXXX XXXX investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  texas XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX Dear XXXX and experian Dispute Department, Re : Dispute of Inconsistent Account Reporting and Failure to Properly Investigate I am writing to dispute the inconsistent reporting of an account on my credit report, as well as the failure of Experian and XXXX to properly investigate this account. Specifically : - Account Name : XXXX XXXX This account was previously disputed with XXXX, and they subsequently removed it from my credit report. However, despite my efforts to dispute the account with Experian and XXXX, it still remains on my credit reports with these bureaus. 

I am extremely disappointed in the lack of attention and care taken by Experian and XXXX in investigating this disputed account. As a consumer reporting agency, it is your responsibility to ensure the accuracy and completeness of the information reported on my credit report. 

I request that Experian and XXXX take the following 1. Delete the disputed account from my credit report. 
2. Update my credit report to reflect the same information as my XXXX credit report. 
3. Conduct a thorough investigation into the disputed account and provide me with the results. 

Furthermore, I request that Experian and XXXX take steps to ensure that their dispute investigation processes are improved to prevent similar errors in the future. 

I have attached a copy of my XXXX credit report, which shows that the account has been removed, as well as a copy of my Experian and XXXX credit reports, which still list the disputed account. 



Also, I am upset with your failure to provide a thorough investigation on this from previous complaints. 


As required by the Fair Credit Reporting Act ( FCRA ), I provided sufficient documentation and evidence to support my dispute. However, your agency failed to conduct a reasonable investigation and remove the disputed item from my credit report. 

The FCRA requires credit bureaus to : 1. Conduct a reasonable investigation of the disputed item ( s ). 
2. Remove the disputed item ( s ) if the investigation finds them to be inaccurate or unverifiable. 

Your agency 's failure to comply with these requirements has caused me significant harm, including damage to my credit report and financial losses job loss and inability to live a normal life. 

I urge you to take immediate action to correct this situation. I request that you : 1. Conduct a thorough investigation of the disputed item ( s ). 
2. Remove the disputed item ( s ) from my credit report. 
3. Provide me with a corrected copy of my credit report. 


I would appreciate a prompt response regarding the actions you will take to resolve this matter. If I do not receive a satisfactory response within 30 days, I will be forced to explore further action, and seeking legal counsel. 

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

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an offer for employment that requires a credit check with Experian. The background check must be initiated within 24 hours and to initiate the background check I must remove my credit freeze from Experian. 
I navigated to the Experian website and filled in all of the correct information and the " PIN '' number they had me set up when I initiated the freeze. I know I entered all of the correct information because I saved the information in a word document to ensure that it was 100 % accurate to avoid issues of not having the ability to life the freeze. I attempted today to life the freeze ( XX/XX/2019 ) and their system came back saying I needed to mail something in even after entering all of the correct information. As I do not have time to wait to mail something in, I tried calling. They do not have the option to talk to a live agent. 
All of this to say that Experian has made the credit freeze unjustifiably burdensome to use. When I unfroze my XXXX  credit it took all of 2 minutes as their systems worked properly. Same thing with XXXX. 
Please pressure Experian to create a system that is user friendly and not overly burdensome to the consumer. I know this is not asking a lot as the other two already have. Experian is effectively making credit freezes useless as if I need to be able to access the report in a reasonable time, I am not able to.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Capital One Bank National. They are being completely unfair and I dont know how to get ahold on them but through this portal, since I have been calling their customer service but I haven't been able to get a solution. 

I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with this situation. 

I was on auto pay, but the system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount he had to keep on changing as the minimum payment changed. 

In XXXX in our state Georgia we were affected by XXXX XXXX. My office was located in the area of the natural disaster at the time, my assistant normally pays my bills for me. The internet had gone done due to this disaster. 

Finally when I did get internet access, the Capital One account was locked, I tried to get capital One to send website log, and Capital One has refused to do so. 

Capital One sent no late payment notices to my address, and when I called to find out why, they said they had been calling me, but the phone number they told me was one that was located in Washington and didnt belong to me. The phone rep could not explain how this happened and said Capital one messed up and they were going to make corrections. 

I am just asking for what is fair in this case : I need to get the late payment reported on XX/XX/XXXX to be corrected on the account. 

The account information is as follows : Account number : # XXXX Account status : Open Type : Credit Card Responsibility : Individual Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX, Experian and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

My information was fraudulently used in acquiring an apartment and I have no knowledge about only now getting harassing letters and calls from debt collectors about this and I have explained to them that I have been a victim of identity theft but they refused and has continued harassing and ruined my credit
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. LVNV Funding LLC and XXXX XXXX XXXX XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NV XXXX Employers : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.