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

XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX - XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX 2. Equifax, Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ incorrect account information ] 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within XXXX XXXX of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more XXXX XXXX have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress. 

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I found fraudulent accounts on my credit report. Could you please remove them? They're hurting my chances of getting credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my home was foreclosed on without documentation of the authority to foreclose from Amerihome Mortgage, XXXX XXXX XXXX. I requested documentation to foreclose on several occasions. I sent in letters to Amerihome Mortgage, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Despite my request, my home was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Amerihome Mortgage, stating that more time was needed to research my request for documentation to foreclose. ( Meanwhile, my home was already foreclosed and eviction proceedings were enforced by XXXX XXXX XXXX XXXX ), without documentation of the authority to foreclose from Amerihome Mortgage, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Following foreclosure, I requested an affidavit of foreclosure from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and they have no record of an affidavit of Foreclosure on file to enforce the foreclosure sale. I also requested documentation of final sale from Amerihome Home Mortgage for an ongoing court case, so that I can prove in court that my home was foreclosed and sold under market value, without the authority to do so, however I have not received a response. 
( I have documentation and receipts of payments sent to me in my email of loan payoff from XXXX XXXX, however I have not received an official payoff from Amerihome Mortgage ) In addition, Amerihome Mortgage has placed a foreclosure statement on my credit report without the authority to foreclose on my property. Amerihome Mortgage, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX have abused and taken advantage of me and the non-judicial foreclosure process in XXXX XXXX XXXX  XXXX XXXX and they should be held accountable for their actions.
Product: Debt collection

Rep did not verify my information or give disclosures. Rep insisted a letter was mailed to me and I did not get it. I attempted to put the balance on a payment plan however rep was taking my full credit card info along with the security code on a recorded line. When I advised her she can not ask for my info on a recorded line, rep became unprofessional and said to do whatever I wanted to and hung up on me. I have tried several times to get the dentist office to take the funds from my account and they have not taken it, now my account is in collections and on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

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

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit card or prepaid card

Ive been trying to resolve an issue with the annual fee on my credit card for 3 months now. Ive spoken to 4 different individuals starting in XXXX when I first received the letter making me aware of the fee. At that point I called looking for solutions on not paying an fee and was told to call back once it assessed and they would be happy to waive it. 

Called in XXXX or XXXX to follow up on this and was told that the only way to avoid the fee was to close the card and apply for a new one. I simply dont want to pay an annual fee on a card where I have 2 others in my wallet that dont charge a fee and have comparable benefits. 

Ive escalated through their channels to a manager where Ive been trying to come to a better solution set as paying the fee and / or closing the card simply isnt a feasible option with respect to the impact to my credit score. This has been my longest standing card and my highest limit. Closing this card would negatively impact my credit during a time of a housing search/home improvement financing discussions. 

My last contact was to XXXX, a supervisor, on XX/XX/XXXX who called me back from a escalation I had previously on the same issue. Again, stating my agreement to the XXXX XXXX XXXX ( which I get and agree with ) he was unable to do anything. I asked to speak with him manager which he stated would call me back in 48-72 hours. I never received a call. That prompted my call today to resolve this issue to which I was met with the same discussion. 

At this point, my complaint is no longer about the fee, its about the lack of reasonable solutions when I am looking to avoid a fee on a card where virtually annual fees are reduced across the board with different financial institutions. Being forced to pay the fee or negatively impact my credit isnt a spot where a consumer should find him/herself. 

Additionally, an interest fee was assessed on the annual fee that was waived without me asking for or knowledge of. I didnt think one could charge interest on a fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was a victim of a hard pull on my credit by a company called Barclays Bank which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
XXXX XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from XXXX XXXX. In which case I do not recall giving any permission for them to run my credit score.
Product: Debt collection

PORTFOLIO RECOVERY is reporting a debt I do not owe. They have not been able to verify the debt according to the FCRA FDCP laws.
Product: Credit card

I applied for a XXXX Chase Mastercard which offered XXXX mileage points if you charged {$2000.00} within the first three months of activation. I live overseas and my card got lost in the mail ( probably returned to sender ). When I asked for a replacement card 1 year later I was told the points would be no problem. I put {$2000.00} on the card within one month, but my request for the mileage points were denied. There was no activity on the original card and I had the new card sent to my address here in XXXX. XXXX blames Chase and I am asking for help here. Thank you.
Product: Credit card

I had been XXXX  since XXXX, but made payments to my capital credit cards. 
After securing full time employment, and receiving a sum of money, On XX/XX/XXXX, I paid the highest and longest outstanding bill from Capital one down by {$4000.00} my credit limit was {$5000.00} on XX/XX/XXXX. 

After the payment Capital one dropped my credit limit down from {$5000.00} to {$2000.00} and asked that in order to get the XXXX credit limit back, I would need to pay off an additional {$1600.00}. 

I was not notified in advance that this would happen, notification may have changed the payment that was made. 
After speaking with agents on XX/XX/XXXX to rectify the situation, they insisted there was nothing they could do and that I must comply with the request for payment in order to restore the limit. 

How disgusting is this practice. Credit by laws dictate there must be 45 day notification prior to changes, I received nothing by way of information or notification. 

I would like Capital One to restore the original account limits immediately.
Product: Credit reporting or other personal consumer reports

It has been 30 days and the creditor has not update my report, nor provide proof or documentation regarding a late payment, they have not supplied this information and they must delete late payments off my credit report, under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at XXXX and Trans-Union. XXXX and Trans-Union are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX  insists that XXXX   and TransUnion reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus. 

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from Trans-Union and XXXX XXXX databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Equifax about my credit card account with XXXX  XXXX account number XXXX, not being accurate of there site and they removed my account from there system. I have called and tried to get them to put my account back on my credit report, but have been given the run around stating that I need to get a reinstatement letter from XXXX  XXXX, and then I was told that I need XXXX  XXXX to call them, I have been given the run around for since XX/XX/2021. Now I have a second account with XXXX XXXX and that account is not being report either. I called XXXX XXXX they stated that they are reporting to all 3 credit bureau ever month this problem did not start until XX/XX/2021. Can you please help with this problem? 

Thanks XXXX
Product: Checking or savings account

Bank Account Fraud Report Reference XXXX XXXXXXXX Incident Date : XX/XX/2022 Checking Account : Bank of America I opened an account with Bank of America for my XXXX XXXX XXXX daughter and instructed the personal banker to disable the option for over drafts on this account. If she doesn't have the funds in her account to complete a purchase transaction, then the transaction should be declined. 

My daughter lost her debit card for this account ; yet did not have any funds in the account. When I viewed her account status, there were several transactions of substantial amounts ( i.e. XXXX XXXXXXXX to {$4000.00} ) deposits and withdrawals in this account. My daughter does not have any means or access to this amount of money. I called the bank to close the account, yet was informed that I would have to transfer my funds into this account to clear the negative balance associated with these fraudulent transactions. Since the account had been compromised, I did not agree to my personal funds be used due to the unauthorized activity on a minor 's bank account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. There are multiple accounts on my report that I don't recognize. I did not open these accounts. I have not used these accounts. These accounts should not be on my report. 

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

Submitted a dispute in XXXX on XX/XX/XXXX for portfolio recovery. I dont have results from XXXX but on XX/XX/2021 Experian reported the disputed item unfairly without investigation results.
Product: Student loan

All contact numbers for MOHELA XXXX customer service to speak to a live person only redirect to a pre-record " special promotion '' for free medical alert devices resulting in the phone being disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Experian and signed up for a 7-day free trial that would expire on XX/XX/2023. However, on XX/XX/2023, Experian went into my account and illegally took out {$27.00}. When I became aware of this transaction, I immediately contacted my bank to dispute the unauthorized charge, then I called Experian. After, several attempts and calling multiple numbers, no one answered. Experian assures me that nothing was charged to my account, but XXXX XXXX XXXX XXXX said that they did take out {$27.00}. I will be attaching my statement proving their wrongdoing.
Product: Credit reporting or other personal consumer reports

please check the information concerning the XXXX data breach below in the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed my XXXX XXXX XXXX account multiple times and the company is reporting back false information to the credit bureaus so therefore Im writing this so that my account gets adjusted correctly, on my account there are a bunch of things wrong noted on the account first and foremost the account was settled and paid on as of XX/XX/XXXXXXXX  so therefore the account should be noted that is now paid and closed and the balance should be XXXX, also the account was first delinquent as of XXXX of XXXX and was charged off on XXXX of XXXX so therefore the account should be noted to fall off 6 years after that date. My account currently doesnt show that it was paid and settled and it also shows that my previous payments that werent made were from years prior were also changed and clearly that isnt accurate so that should be adjusted as well. Also considering this account has been disputed and sent back with more and more false information it has hit my credit negatively repeatedly. So therefore I feel like XXXX should make the proper statements on my report as well as the credit bureaus should also note and adjust these things as well because clearly it hasnt been happening that way recently. I will attach documents supporting everything stated as my proof of what Im saying and I hope we can all get on the same page with my credit as it is very important that we do so. Ive tried to talk with Experian about this case multiple times and I got hung up on and wasnt helped in any way shape or form. They also dont have a way to upload proof to disputes so they gave me a link to upload documents and it wouldnt take mine even though they were within the guide lines of forms excepted and size. So therefore Im attaching my documents here for Experian as well. I also think Experian should be able to fix the points that have been taken from my credit from false information being submitted.
Product: Debt collection

For about two years now, National Credit Systems , Inc in XXXX, GA has continuously and repeatedly attempted to coerce and induce me to pay a debt of {$2700.00} which I do not owe. National Credit Systems , Inc. has repeatedly failed to validate and substantiate my Contractual Agreement with them, bearing my signature. Their blatant disregard and exploitation in filing negative information on my credit profile with all  the credit reporting agencies has continued to cause me and my family pains, costing me opportunities for good jobs, and financial pains and inability to even rent an apartment.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Collection Services for an old XXXX account. 

I am disputing the validity of this collection and the reporting of it for the following reasons : 1 ) While I did previously have a XXXX account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. 

2 ) To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting my approval for my home loan.
Product: Checking or savings account

I received only {$10000.00} from my closed account. I am still owed over {$14000.00}. The bank called XXXX XXXX to verify the funds. XXXX XXXX told US bank it was a valid wire into my account. This was well over a month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
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.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

My information was stolen during the data breach. My right to privacy was violated 15 USC 1681.