23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I spent countless hours trying to speak to a human at Experian. Once I did get ahold of an individual, they told me to try logging in today XX/XX/year> as my account was locked from too many attempts of trying to log in. I tried using both my XXXX and XXXX mail credentials to log in, but to no avail. The security questions they provide when trying to use my XXXX account have nothing to do with me. Their system wants me to verify my account with the last XXXX digits of a phone number that I never had. Then ask me my favorite teacher in which I have never used as a security question, as I didnt have a favorite teacher. All of the problems stems back to my trying to get financing at XXXX  XXXX XXXX this past weekend and was told my account was frozen and they use Experian for their credit checks. I was forced to put the sale item on a credit card that charges interest as a result when I could have received XXXX  months at XXXX percent with exceptional credit. I have since tried to create an account and log in at Experian, but cant log in or sign up, nor change my password or anything. I have no recollection of ever creating account through them, but their system shows there is already an account with my email address. When I try to reset the password ( presuming I may have signed up in the past ) that is when I am prompted to verify myself by replying by text or by a phone call to a phone number that was never mine. Their system is messed up and I think they need to investigate who did use my email address to open an account. XXXX has been my email address ever since back in the day when XXXX came about. It is time to get my account corrected. For all I know they are using incorrect information to base my credit on. Both XXXX and XXXX show my current XXXX XXXX at XXXX. That is easily good enough to get financing about anywhere, assuming my account is not locked at Experian and false information about me is being used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX
Product: Debt collection

Many years later. I just noticed this on credit card statement totals. Collection agency threatened to report on credit bureau report. I never did verify debt. Amount XXXX to settle. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didn't think I had a voice then. PHOENIX FIN-PENDRICK XXXX XXXX XX/XX/2018. 

Yes I am single now and I did move.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

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

I have called Equifax ten times about unauthorized inquiries on my credit report I spoke with two of their representatives at different times the first said they would take care of the issue and remove them the second said there was an issue with my request and the FTC report I furnished another denied receiving my FTC report at all after the first two confirmed it was received. I have since faxed my report over four different times and three representatives said they will take care of the issue and remove the inquiries now. I even received a letter from Equifax stating the inquiries were removed but they are still showing on my report. This process was started approximately three months ago. They are and continue to violate FCRA by reporting these inquiries still. the inquiries in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/20
Product: Credit reporting or other personal consumer reports

we entered the era of covid and had never recovered. the creditor has listed the account on the credit reporting as a charge off for the last 15 months. " XXXX accounts ''. while listing the account as a charge off they are also listing a balance due, even they have done a charge off. I believe that while having done a charge off and listing the balances due they have initiated court proceedings against me. During these last 15 months they have not provided a 1099c to myself even they did a tax write off. I just finished talking to the company creditor on the phone and the information i just detailed was verified by the nice person on the phone time stamp XXXX XXXX  cst.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new address hasn't shown up on report. I've sent proper documentation to Experian and XXXX  to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2015 I opened an XXXX XXXX XXXX XXXX  account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay XXXX XXXX  and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though XXXX  never responds to my direct validation requests?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

We purchased a home ( manufactured ) that was attached to land. After 10 years, we wanted to refinance to get a new roof. We were informed that only the land was in our name. The home was never transferred to our name. We could not borrow against it or even sell it. Wells Fargo refused to help us fix this issue. Therefore they foreclosed because we refused to make payments on a home that was not ours. This incident has now stopped us from getting a mortgage on another home.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information on the best of their ability with maximum accuracy. I have never been late on payment for the account for that i have included in the screenshot inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks, please see screenshot attached.
Product: Debt collection

XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.
Product: Mortgage

I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business.
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. 


Account Name : XXXX XXXX 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: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days. 

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Product: Checking or savings account

I paid a XXXX bill when I had XXXX in my account. Bank of America held the funds for XXXX hrs until a reoccurring subscription hit my account and my account was apparently rendered XXXX, even though they had already held the funds in my account in a processing status and the reoccurring subscription should not have been paid instead of the larger amount being returned to my account. I incurred fees due to this error. I called and was instructed to remake the payment with the fees and call back in later to make a claim for the difference. When I called back in, I was hung up on when speaking to a supervisor, had to call back in, and then was transferred to the check fraud center because the claims center couldnt help me. The check fraud center wasnt much help either, because it wasnt fraud. It was a mistake on XXXX  XXXX XXXX end and they are refusing to take accountability even though the error is so well documented by their own system.
Product: Mortgage

I received a courtesy call that my last payment was {$8.00} short of the due amount and that I should pay it to avoid a late charge. I carry a late balance on the account as well. However you are able to carry this late balance without interest for the life of the term. I was asked if I wanted to pay the late balance in addition to the {$8.00} payment. I said no. I verbally authorized an {$8.00} charge and then XXXX debited my full late balance from my checking account without authorization. Absolutely awful company.
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items CONTRACT CALLERS INC AND SENSIBLE AUTO LENDING XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any intermation that can not be verified or is inacourate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and credit
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen on XX/XX/2022. I did not receive an email alerting me that my account was frozen which violates their user agreement. After contacting venmo customer support on XX/XX/2022 when I tried to transfer my funds and was not allowed because my account was frozen. The venmo customer support was reading from a script and could not answer my questions so I asked to be transferred to a supervisor 8 times. After being connected to the supervisor XXXX. She informed me that they dont review cases until the consumer brings it to their attention. She also informed that she would be creating an email thread between myself the consumer, XXXX the supervisor, and the account specialist who would being reviewing the account status. I was informed it would take two weeks from the time I brought to their attention to get the matter resolved. They could not provide me a reason after asking multiple times why my account and money was frozen. I have {$1200.00} sitting in my venmo account currently frozen. I was also told that this is happening a lot so they are busy. I received the email thread from XXXX on XX/XX/2022. I responded to the email thread on XX/XX/2022 asking for a status update. Just looking to see if it was even in the process of being reviewed. I received no response from XXXX or the account specialist team which I was promised from XXXX that the thread would be used for updates as well as her personally following up on the status and updates. I called again today XX/XX/2022 I asked again for the reason my account was frozen. They could still not provide me a reason. I asked for a status update they could not provide this as well and was informed it can now take 3 to 6 weeks in order for me to regain control of my account and funds. If possible I would like help regaining control of my finances being frozen by Venmo for no clear reason that they can provide.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number xxxxxx, an auto loan account opened at XX/XX/XXXX on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened on XX/XX/XXXX with XXXX  account number XXXX another account opened on XXXX XXXX by XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX XXXX bureaus : XXXX, TransUnion, and XXXX ) : Consumer Name : XXXX XXXX, Consumer Social Security XXXX : XXXX ), Consumer Date of Birth : XX/XX/1976, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

I have a mortgage with a company called NEWREZ-SHELLPOINT. 

On XX/XX/year> they made a double payment draft of amount {$2500.00}. I have emailed them twice about returning one payment to my account. I have called them multiple times and got a different response from their agents. 

I have attached a copy of the transactions and an email correspondence from them admitting to the double payment draft.
Product: Mortgage

XX/XX/XXXX I received my monthly statement I was XXXX now XXXX starting XX/XX/XXXX I had received a tax bill after I refinanced in XX/XX/XXXX I had closed on a refinance in XX/XX/XXXX my husband had passed away and the loan would put only my name on mortgage with Nationstar mortgage XXXX XXXX was my loan agent at Nationstar I called when I received tax bill and was assured it is handled by my mortgage company I called them they said when they refinanced the LOAN they made mistakes now they are saying my payment will still be higher XXXX month please Help me they now say I have to refinance the taxes out of my equity with them to fix the mistakes
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states I have the right to privacy, 15 USC 1681, section 604a, section 2, also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.