23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account and deposited a check. Once the check cleared I was unable to use my account. 
After multiple phone calls on XX/XX/year> I was given zero information except for someone will call me to resolve the issue by the end of business day. When I received no call I contacted capital one multiple times with zero information given as to why or what was needed to be done. On XX/XX/year> after myself making another phone call and being placed on hold for more than 30 minutes, I was told by an agent that more verification was needed for my account. When I inquired what they needed he had no answer and told me again that someone will contact me. When I asked why I can not speak to anyone with more authority to resolve my issue now, I was again told they will contact me and that I " should not miss the call as there is no way to get a hold of them from our end '' by the representative. I have no access to my business funds, and have no resolution in sight other then to wait for a mysterious individual who no one seems to know if they exist to possibly call me at their leisure.
Product: Credit card or prepaid card

On XX/XX/2018 I ordered online a mattress from XXXX but decided not to buy the mattress and cancelled the purchase on the same day. I received the cancellation notice and that was the end of the transaction. I never received the credit but a charge for same amount appeared on my bill. No credit was issued from XXXX and then subsequently told by Discover that the mattress was delivered. I never signed or received any mattress or communicated with XXXX for delivery. It appears there was FRAUD. 
The address was different and I never engaged with anything from XXXX after the XX/XX/XXXX. The information sent to me by Discover makes no sense and they continued along the same line and declined the credit. This is FRAUD since I never engaged with anything beyond XX/XX/XXXX. I need this resolved by Discover. There information they are sending me does not belong to me. IT MAKES NO SENSE> Please resolve
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Date of Birth : My correct Date of Birth is XX/XX/year>. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 3 disputes with Experian in regards to late payments on my student loans. I reached out to my school about this first, and they told me to dispute the late payments and that when Experian reached out to them, they would not respond, resulting in Experian removing them from my credit report. The first dispute I opened was XX/XX/20 and they had dispute results ready on XX/XX/20 with no changes made to my credit report. I disputed the account again on XX/XX/20 and this time included documentation. The dispute results were ready on XX/XX/20 with no changes to my credit report. I called Experian on XX/XX/20 inquiring why the late payments had not been removed. The representative I spoke with informed me that the documentation I had submitted was never attached to my case #, I asked her to start another dispute and to include the documentation and the results were ready on XX/XX/20 again with no change to my credit report. I do not believe Experian has received a response from my school in regards to the late payments on my student loans or reviewed the documentation that I submitted. Since my first dispute, more than 45 days have elapsed and these should have been removed from my credit. I am enlisted in the XXXX XXXX  and the XXXX makes yearly payments towards my student loans, which I have proof of.
Product: Debt collection

I initially disputed this debt back in XX/XX/XXXX via phone call. I have not heard of the status of the dispute since then.

I contacted Hunter Warfield on XX/XX/XXXX XXXX XXXX via email, regarding the following information in the debt : Proof of the amount owed and the name of the original creditor.

Documentation or a copy of the original agreement, contract, or invoice that confirms I am responsible for this debt. 

A detailed breakdown of any interest, fees, or charges that have been added to the original amount as well as an itemized breakdown of the debt. 

Written documentation of the current status of dispute with dates included of this case for my records. 

An update on the status of my dispute and any additional steps required on my end. 

They have not provided any information on the above. Ive request the information multiple times and their response was the following : We need additional time to obtain the required documentation. As soon as we have the documentation on hand, we will promptly forward to your attention. Therefore we have suspended collection activity and Credit reporting while we complete our investigation. 

Please advise them i do not owe anything. And advise me on how to proceed. 

I attached below the emails exchanged
Product: Credit reporting or other personal consumer reports

XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from Experian, XXXX and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Product: Credit reporting or other personal consumer reports

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not Disputed '' which is a violation of the law. 

XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. One relevant case that addresses the obligations of CRAs is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a XXXX form used or was this through electronic automatic dispute verification? You have 15 days to respond
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : Misspelled Name : My name is misspelled as XXXX XXXX XXXX on my credit report, also XXXX XXXX XXXX, XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX. Please correct this error to reflect my personal information accurately. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies immediately. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 

A recent utility bill displaying my correct address. 

A copy of my employment contract with XXXX XXXX 

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with Transunion & XXXX reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX  is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion to tell them I have been a victim of their inquiry problem and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Here is a list of inquiries desired to be deleted : XXXX  Inquiry : XX/XX/XXXX ( XXXX ) XXXX   XXXX XXXX XXXX  XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX Bank was reported on my Transunion Credit report.
Product: Mortgage

Due to covid-19 and more issue in my family 's, it was difficult for me to pay my mortgage on time. 
I requested a loan verification to reconsidered my case but it's been like more than 6 months, BSI turn me in circles but nothing serious. 
they ask me to send the documents, I sent all the documents 2 times but unfortunately they do nothing. 
I tried to reach them everyday on the phone, without success. I found myself obliged to ask you to help me so finally they can work on my request. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX loan # XXXX Mortgage Company : BSI Financial services
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting a debt on my credit file that I do not owe. They are reporting as a charged off collection. This debt is supposed to be paid the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Barclaycard US lowered my credit limit to just about match the balance on my card. This increased my debt to credit ratio, hence dropping my credit score, when I did nothing wrong. I was not late on a payment nor did I go above the credit limit. Frankly, I have never been late on a payment in my entire life. My credit report is perfect, but I do have debt. I understand that lenders will frequently evaluate risk and have the " right '' to lower the limit, but setting the limit to match my balance was not fair. This practice frankly should be illegal. If I ca n't just increase my credit limit whenever I want then they should not be able to decrease the limit whenever they want. I do n't deserve this or the negative effect it will have on my credit score. I have been trying to dig out of massive debt since I graduated college 10 years ago, and moves like this by lenders to not make this goal any easier.
Product: Debt collection

I was living here and I had to serve them papers due to my house looking like someone tried to break in and there were things in my home need fixing they didnt fix it I served them and in the certified letter it stated that if things didnt get fixed in my home within 14 days I would breach lease but as this is going on I was assaulted by someone in the parking lot of the apartments I was wrongfully taken to jail and my baby was taking away well the judge dismissed case due to me being wrongfully arrested so I was released and since XXXX had record of the person who assaulted me they urge that me and my baby XXXX move out of state back to my hometown so I moved and they tried to retaliate because I served them papers so they served me papers back XXXX  day notice but since I was urged to pack up and leave state I moved the same day that paper was put on my door a few days later I had caught Covid fast forward months after I moved I started getting harassment calls from a debt collectors regarding this matter they would call threatening me about the debt now this is really affecting my credit Im a single mom trying to make it in this world
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and found a lot of unauthorized inquiries that I did not authorize. I contacted XXXX and tried to get them removed, but they did not remove them. I tried to explain, that if they looked at the dates you can clearly see that someone has breached my personal information. The pattern of dates shows that someone was trying their best to get something in my name. Some of these inquiries are even tied to open accounts and I'm left fighting these companies trying to get these negative items and inquiries removed. 
These are the unauthorized inquiries : XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX AUTO - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX of XXXX. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. My Federal loans in the amount of approximately {$50000.00} were XXXX and my credit slightly repaired. I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a XXXX XXXX XXXX program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! Link to Senator Warrens Letter : https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX XXXX Affirm gave me a credit which needed {$990.00} more to purchase the tickets to the XXXX, I canceled immediately, and requested that Affirm return my $ XXXX my XXXX saving account. I Did Not Used the Ticket and Affirm Lied to XXXX, They refused to return my Cash to my Account. Affirm promised to mail my money to my home address, its XXXX XXXX and they have not send me a Check.Please Help Me, Im struggling to understand why a company of this magnitude, would refuse to return my money to my account! I have Not received Any Product or Service from Affirm.
Product: Mortgage

I have wrote a letter datedXX/XX/XXXX to inquiry about the late fee balance of {$930.00} that 21st Mortgage Corporation show on monthly statement. I've received a respond letter dated XX/XX/XXXXstating the late fee balance is correct and provide a payment history without giving the specific date ( s ) how the late fee ( s ) applied. I've responded with a letter dated XX/XX/XXXX requesting for specific date ( s ) of how the late fee accumulate and how they came up with the late fee balance.

It seems like 21st Mortgage Corporation wants you to do your own investigation and figure out how the late fee came about. I guess they do not believe in Customer Service and servicing their customers when that they have questions on their accounts.

21st Mortgage Corporation has been very difficult to work with and they seem not willing to work with consumer to get their answer resolved. I'd greatly appreciate if  someone from your agency can assist in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a customer of First Bank of Puerto Rico for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in Puerto Rico, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XXXX of 2017, which further strained our finances. During all of this, we continued to communicate with First Bank of Puerto Rico, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted First Bank to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with First Bank, inquiring about any assistance due to the natural disaster and again we were told  that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to Florida to take a government job due to the struggling economy in Puerto Rico.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account ( XXXX  XXXX ) ( Account # XXXX ) This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This account has all payments up to date and the company is reporting charge off and my balance is reporting inaccurate too.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempt to access my Equifax credit report online to dispute errors, I am asked a number of questions, which are always inaccurate, so I select none of the above, which results in my being told that the info doesn't match what's on file, hence the need to dispute. Calling the company yielded no help whatsoever. I've requested a hard copy three times and have never received one.