23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express is offering a Welcome Bonus of XXXX points on their Hilton Surpass Card. However, after filling up an application and hitting the submit button, I received a popup message mentioning that I am ineligible to this Welcome Offer. Also, it asked me if I need to complete with my application and of course I denied that. 

I've been an AMEX member since a very long time. I currently have XXXX active cards with them and was previously having another XXXX. I am not sure why they made my ineligible for this Welcome Bonus Offer. 

Looking forward to an explanation from AMEX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX XXXX XXXXXXXX {$5000.00} These accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch XXXXXX/XX/XXXX that Transunion was having a problem with caused multiple inquiries to be deleted and then they were later added back on my credit report without giving me the legal required written five day prior notice before adding them back on my credit report. I have contacted Transunion several times ( XXXX/2017, XXXX/2017, XXXX/2017 ) in good faith to explain the situation about the deleted inquires and that they had illegally re-added them back unto my credit report. By them adding these inquires on my report they are also adding a hardship and my rights are being violated by Transunion. Please help me by not allowing Transunion to victimize me. This glitch was Transunion fault and I had nothing to do with it. So why am I being punished for Transunion not taking the proper steps to inform me of the glitch and given me five days written notice before adding them back on my credit report? Please help me have these inquiries removed.
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, collection account XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
I looked at my transunion credit report on XX/XX/year> 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 reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of trat iorayor that the alomaton nas been moomed or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. 

XXXX late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in XXXX  they have stopped to show my car and are not showing my capital one car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.
Product: Credit reporting or other personal consumer reports

Experian charged {$24.00} on my XXXX card for a credit report I never ordered and do not need. I have excellent credit. I have been hacked four times so I watch my accounts like a hawk. I switched from XXXX to XXXX XXXX two weeks ago. I forgot I had a lock on my credit reports so initially my application was not accepted. I came home took the lock off my credit reports and then proceeded with XXXX XXXX. Two days later, I re-locked all three of my credit bureau reports. This does not cost consumers any money to do this. 
I don't know why I was charged this for a report I did not request. Experian has been in trouble before for charging consumers for unneeded credit reports. 
I'm a senior living on a fixed income. I know my credit, bills and accounts. I want this charged removed and I want Experian to receive a letter from the CFPB telling them to cease and desist and stop targeting seniors for unnecessary credit report. 
Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] XX/XX/year> Transworld System INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation Dear Transworld System I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting verification of its validity.

Please provide the following informatio 1. Proof that I owe the debt ( including the name of the original creditor and the account number ).

2. A detailed accounting of the debt, including the original amount, any interest, fees, or charges added.

3. Proof that you are authorized to collect the debt, including any assignment or purchase agreements.

4. Copies of any agreements or contracts I signed related to the debt.

5. Evidence that the statute of limitations has not expired on the debt.

Until you provide the requested information, I respectfully ask that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please respond to my request in writing to the address provided above. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

These accounts have violated my rights ; XXXX XXXX XXXX DEPARTMENT OF TREASU XXXX 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: Debt collection

* Please take these things off of my credit report. 


XXXX Account Name XXXX Account Number XXXX Account Type Credit Card Account Status Terms Payment Status Paid or paying as agreed Date Open XX/XX/XXXX Monthly Payment {$44.00} Past Due {$0.00} Balance {$1200.00} High Balance {$1200.00} Limit {$1500.00} Comment This company has not documented payment for the past 2 months. 


This company has past due balances for things that were place on the bankruptcy or pay it off. 
XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$370.00} Current Balance {$0.00} Comment Chapter XXXX XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$60.00} Current Balance {$0.00} Comment Paid collection XXXX XXXX XXXX   LAST PAYMENT DATE XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$95.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE XXXX Account NamXXXX XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX  Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$190.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$230.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my total and XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter XXXX XXXX and Equifax reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX   continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and Equifax and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian for Failure to Investigate Credit Report Errors **To Whom It May Concern**, I am writing to formally lodge a complaint against Experian regarding their failure to properly investigate disputes related to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
**Personal Information** : - Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Phone Number : XXXX ( XXXX ) XXXX - Email : XXXX **Details of the Complaint** : 1. **Background** : I have sent multiple letters to Experian disputing inaccuracies on my credit report, as per my rights under the FCRA.

2. **Lack of Compliance** : Despite my efforts, Experian has failed to comply with the following sections of the FCRA : - 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information.

- 15 USC 1681s-2 : Failure to properly investigate and respond to disputes.

- 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation.

- 15 USC 1681c ( c ) : Failure to remove or not reinstate inaccurate information.

3. **Impact** : As a result of their negligence, I have been denied rental agreements, mortgage loans, & employment opportunities.

**Request for Action** : I request that the CFPB investigate Experian 's practices and hold them accountable for their failure to comply with the FCRA. I would also like to ensure that my disputes are properly investigated and resolved Thank you for your attention to this matter. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX hi good morning carmax closed the account at the balance {$6000.00} do i pay the balance or ask you guy to remove it off my credit.
Product: Prepaid card

I opened an account got my card went put money on it at a store. Got home but could not use cars I thought maybe it wasn't activated so I called to see the agent didn't speak good XXXX thought I was saying it was fraudulent card. I did not say they I tired to tell her I had card in my hand it was not fraudulent they closed account I ask to speak to someone else he XXXX they something would not give me access to my money. Chime finally email me back told me to send in documents to identity me. I did that but they still will not give me access to my money. I get the same message when I call the same message when I email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

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

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

XX/XX/XXXX Disbursement to XXXX {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended XXXX for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for 1 quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure Total and Permanent Disability Discharge Loan discharge due to a disability Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter XXXX I filed for bankruptcy in XXXX and it discharged in XXXX Ch XXXX - First Meeting of Creditors Letter XXXX*AND DEALTH!!!! XXXX XXXX, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.
Product: Student loan

I have been paying {$190.00} to MOHELA monthly since XX/XX/XXXX. That adds up to 16 payments of {$190.00} from XXXX XXXX XXXX Totaling to {$3100.00}. When I log into my Mohela account, there is no proof of these payments, anywhere. The bank statements specially say MOHELA. The representative at MOHELA asked me if I was paying someone elses loans which I surely hope I am not. Due to these charges and not knowing where my money has gone, coupled with hold times of XXXX hours and not being able to get in touch with additional MOHELA support, I filed 16 claims with my bank account for each month this charge was processed to MOHELA. I have frozen all further payments to MOHELA until I am given answers. This is an extremely distressing situation as I have thought I was paying off student loans in good conscience, only to find out that I have no idea where my money goes when I send it to MOHELA. I am apply to provide all 16 bank statements from MOHELA dating XX/XX/XXXX - XX/XX/XXXX. I have 16 bank statements to prove all charges. The images attached are my bank statements and my MOHELA payment history. Clearly they do not align. Please note that XXXX, XXXX on the bank statements is my mother, who co-signed my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Nexus Lexus and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. Nexus Lexus have stated in a certified letter mail to me that I have no information in there data base after addition search and Lexus nexus has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No Lexus nexus and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened with XXXX in 2019 using my information obtained via identity theft. XXXX closed the account. Equifax refuses to remove the fraudulent inquiry. They continue telling me identity theft inquiries are a " factual record. '' Pleade make Equifax STOP HELPING IDENTITY THIEVES. I have a police report on file with XXXX Police Department and XXXX XXXX down the fraudulent account almost 2 years ago. Equifax is aiding and abetting identity theft. I've disputed it MULTIPLE times informing them of identity theft each time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following agencies was involved trans union, XXXX and XXXX was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a 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: Mortgage

We Purchased a house in 2016 and our loan was sold to Round point Mortgage. When we purchased the house for {$260000.00} it was far below market value as other homes in our development have sold for {$400000.00} and above. We have put over {$70000.00} into the home since we purchased it ; in updating and renovating. We have tried twice to get Round point to Drop PMI and the latest appraisal came back at LTV 77 %, they will not drop PMI even though we are under the standard 80 % LTV requirement. They charge a fee to have an appraisal done and if you don't agree with the appraisal you can pay an additional fee and Round point again can rule on this, even though they were the ones that originally denied your claim to have PMI removed. This practice i feel sets the home owner/ Customer up to never win any dispute. The purpose of PMI is to Protect the loan and the investment, when homeowners are willing to put that much money back into their homes shouldn't that also show the mortgage company the homeowners willingness to increase the homes value.
Product: Credit reporting or other personal consumer reports

I received a threatening email from XXXX regarding an approaching important date. 

The language of the email was vague so I immediately called and emailed to notify that I made weekly XXXX how can I be behind {$640.00} The second and third email stated I was behind on payments despite making weekly XXXX payments. Initially, I dismissed this as XXXX being behind and in allocating my payments to to my account since the recent transaction from Navient. 

Despite formally disputing the balance and payment history XXXX reported I was 60 days late. My credit score dropped XXXX points and the mortgage pre approval I had in hopes of moving was no longer a possibility. 

On XXXX separate occasions, I mailed proof of timely payments from my bank to each credit reporting agency yet the accurate payment information was not updated l. 
Resulting in long term devastating consequences to my ability to secure fair loan terms. No organization should have such power additionally, it should not be so difficult to update inaccurate payment information on the credit reporting agencies.