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

I have been xperiencing outages with Bluebird.com since XX/XX/2018. Customers are unable to take out cash, access their paychecks or other direct deposit funds, access other funds weve attempted to load, make purchases, or get accurate balance information. Again, in XX/XX/2018 these outages have been ongoing for more than 6 days. Customer service reps have been difficult to reach or non-responsive. Tomorrow is XXXX and I am unable to check my account balance for my direct deposit nor make any transfers due to the outage which persists on their website and mobile app. When logging the page just continues to load then returns an error. I realized Im not the only customer experiencing this problem after checking XXXX
Product: Credit reporting or other personal consumer reports

I got an apartment in my son 's name in 2019 due to me having a broken lease on my credit report because my mama died in 2019 and I had to break my lease to go and stay with my elderly dad who can not care for himself. I then found an apartment that the manager assisted me with using my son 's name to get me approved for an apartment that she was managing. She said it was okay to use someone else name to get into the apartment complex. I had been living in the apartment for years until the manager allowed a 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  I was very frightened. I then moved out the apartment and left a balance with the apartment complex due to me having to relocate. The XXXX of the complex refused to let me take care of the debt and turned the debt over to the NATIONAL CREDIT SYSTEM in my son name. Me and my son has tried to contact the NATIONAL CREDIT SYSTEM to take care of the matter and they are refusing to speak to me. Now he is having issues getting a home or apartment and it is not his fault and the manager of the complex told me it was okay to use my son name to get the apartment.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, sent me a Validation of Debt letter to sign regarding an outstanding balance with XXXX XXXX. They wanted to collect a one time payment of {$1000.00} or 10 payments of {$190.00}. 

I contacted XXXX XXXX who took over XXXX, and they said i have a balance of {$120.00} from 2011. The account numbers matched what was on the letter from the " attorney ''. That {$120.00} was then given to XXXX XXXX XXXX and then to XXXX XXXX. They did not give any of information to this Attorneys office. 

I just paid the balance of {$120.00}. This XXXX XXXX XXXX are trying to scam me for {$1000.00} or more. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding the reporting of an obsolete account on my credit report. The account in question is : Creditor : XXXX XXXX Account Number : XXXX In XX/XX/XXXX, my credit report showed this account was scheduled for removal by XX/XX/XXXX. However, after recently requesting its removal, I found that Experian has extended the removal date to XX/XX/XXXX without justification. This alteration directly violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits reporting negative information more than seven years from the date of the first delinquency.

This issue is particularly concerning given the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for conducting sham investigations into credit report errors. Your arbitrary extension of this account 's removal date mirrors the kind of misconduct outlined in the lawsuit and further undermines confidence in your adherence to federal laws.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable reinvestigation when a consumer disputes an account. Your decision to alter the removal date instead of properly resolving my dispute demonstrates negligence and noncompliance. Moreover, 15 U.S.C. 1681e ( b ) requires you to maintain reasonable procedures to ensure maximum possible accuracy, which you have failed to do. 

I have enclosed a copy of my original XX/XX/XXXX credit report, which clearly shows the removal date as XX/XX/XXXX. Your extension of this date violates both the law and my rights as a consumer. 

I demand the immediate deletion of this account from my credit report, as required by the FCRA. Please provide written confirmation of the account 's removal within 30 days. Failure to comply will result in formal complaints to the CFPB, the Federal Trade Commission ( FTC ), and other appropriate authorities. I also reserve the right to pursue legal action to protect my rights. 

The ongoing issues with Experian 's practices, highlighted by the CFPB lawsuit, make it imperative that you address this matter promptly and transparently.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX  ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXX XXXX  Account number XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/23 cash app transaction sent for {$500.00}. Their web site Pended and locked up. Transaction in limbo. I ask them to cancel this transaction. Still pending now has locked me out. I have called, cant get thru line hangs up. Emails not accepted.
Product: Checking or savings account

I received a declination notice for an account that someone other than myself attempted to open with Bank of America. The letter was received today, XX/XX/22. I had preferably received emails indicating that someone was trying to open an account about 2 weeks ago. I spoke with a bank of America representative at that time who said there were no accounts in my name. 

All efforts to reach bank of America, via phone and messaging, have not been successful. I spoke to one person who said since the request was declined to not worried about it. I have been unable to reach the fraud department by any of the several numbers I have been provided. 

I have never, nor has it ever been by intention to set up any form of business relationship with this company. 

This letter is in my name, was received at my home address and other correspondence uninitiated by me received at my email address.
Product: Debt collection

Years ago when I returned my equipment, I confirmed multiple times in person with a XXXX associate that my account was paid in full. Some time passed, and then I was notified of a derogatory mark initially attributed to XXXX XXXX XXXX ( which it seems has since changed hands to Waypoint Resource Group ), who said that I owed XXXX a balance of ~ {$98.00}. This severely and immediately damaged my credit score. After that, I again confirmed multiple times with online XXXX support staff that I indeed do not owe the balance, and I have photos of the online correspondence to prove it. Nevertheless, it continued to impact my credit, and I have gone back and forth with disputes for the past few years with no luck. I have also seen other accounts online of former XXXX customers having this same specific problem with Waypoint Resource Group . 

I always pay my debts, this is the only black mark against me in the entirety of my credit history, I have proven that I do not owe this balance, and it does not seem to matter. This is simply unjust. While my credit score is still strong ( XXXX ) despite this single incident impacting it several times, I believe that, in principle, I should not have to pay a balance I don't owe. I hope that my submission of this report will help me restore my credit.
Product: Credit reporting or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; Child Support Date Filed/Reported : XX/XX/2023 Reference # : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the XXXX on XX/XX/2018 in regards to XXXX XXXX reporting inaccurate information on my Experian credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. XXXX XXXX XXXX say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.
Product: Debt collection

I quit my lease because I was running away from an XXXX  ex fiance. I have not been able to keep a stable job due to having to pick up and leave every time he has found me. I can not afford to pay this current balance. The amount owed is {$2600.00}. I have a police report to support claims
Product: Debt collection

I am writing to formally dispute an entry on my credit report related to a collection account from XXXX XXXX at the address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, with the phone number XXXX. According to my understanding of XXXX  XXXX law, I believe this entry has been inaccurately placed on my credit report. 
Details of the disputed entry are as follows : - Collection Agency Name : XXXX XXXX- Account Number : [ Insert Account Number - Date of Entry : XX/XX/year> XXXX - Amount : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have not been provided with sufficient documentation to validate this debt, nor have I received proper notification as required by law. Therefore, I request that you investigate this matter and remove the collection entry from my credit report. 
Please find attached any relevant documents that support my dispute. I would appreciate your prompt attention to this matter and request a written response within 30 days as per the Fair Credit Reporting Act. 15 U.S CODE 1681 a XXXX XXXX has sold this fraudulent account where they stole my identity, I thought my account was frozen you blocked this creditor Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Mortgage

I had XXXX in XX/XX/XXXX and was out of work and asked for COVID forbearance with New Rez mortgage for XX/XX/XXXX and XX/XX/XXXX, this was approved, and the forbearance issued was for six months. I was able to resume my regular monthly payment in XX/XX/XXXX. In XXXX of XXXX, I was working with XXXX XXXX from New Rez/Shellpoint to make a mortgage loan modification as I was unable to pay the full 2 months of payment that were in forbearance at once related to a lack of income during my XXXX. I sent her all the information requested, asked if there was any other information she needed, and also asked for a callback. I have left messages with no return calls. I did not receive any further requests via email or phone from XXXX XXXX, assuming New RezXXXX XXXX had all the information needed to get the forbearance modification completed. I now have late reporting on my credit report starting in XXXX until now. I had excellent credit prior to this unfortunate illness and forbearance. If my loan modification was denied or other information was needed, I was not provided with this information or given other options to pay this forbearance amount back. Now, my credit is poor as a result of the lack of communication with New Rez/XXXX XXXX XXXX I have requested that New Rez addresses the credit reporting concerns, and asked how to resolve the forbearance amount, and again am not getting a response, I have emailed and called. I would have to take a loan out to resolve this amount if I had known the modification was rejected, as by no means did, I have control over COVID and again I was not provided with any information. Please help me resolve the issues with the past due amount showing from the forbearance and correct my credit report.
Product: Credit card or prepaid card

I have been Capital One bank customer for more than 10 years now. I have 3 credit cards with them. Recently they reduced my line of credit on one of my cards from $ XXXX to $ XXXX ( 50 % reduction ) with " shaky '' explanation ( the letter enclosed ). I called them twice and discussed with supervises but I had run around with dead end both times. A few points : 1. I have never been late paying my bill with them 2. I am not using excessive credit with them 3. There is no indication on my part that I am some sort of a " red line '' customer or else.

4. Their argument that I am using credit bellow my credit limits doesn't make sense, maxing credit usage is a red flag, besides how many people use the max on all of their available credit cards? ( rhetorical question ) To sum up, there is no reason for this action. In fact, their " playing save '' by reducing my line of credit is a picking a fight with a legit customer and lead to : 1. My credit score went down 5 points ( XXXX ) in XXXX based on this action. 
2. A damage has been made on my credit report since a reduction of credit limit is persevered by other lenders as " there is something wrong with this customer ''.

3. Due to this action my ratio of used/available credit increased.

Damage has been made to my financial standing based on this action. I believe this is a hostile action not in good faith against me in the light of this Covid-19 crisis, an excuse to damage relationships with the customers. This action is no way of keeping customers, expand relationship with them or get " word of mouth '' around.
Product: Credit reporting or other personal consumer reports

I have been impacted by identity theft, necessitating another request for the removal of an inquiry from my credit file due to fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any such items no later than four business days after XX/XX/XXXX. This matter was previously addressed in my complaint, and I am reiterating it alongside my new FTC report, referencing # XXXX. Furthermore, the information regarding this inquiry, listed as EXPERIAN : XXXX XXXX XXXX XXXX, is unfamiliar to me and has already been expunged by other bureaus, casting doubt upon its accuracy. Failure to remove this inquiry from my Experian credit report will compel me to initiate legal action. My legal counsel is apprised of this course of action and is prepared to hold you accountable for deliberate noncompliance. This serves as a final warning. Kindly remove the inquiry linked to fraudulent activity without delay.
Product: Credit card

I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!!
Product: Mortgage

My mortgage company, Guaranteed Rate, has managed to mis-step every aspect of this loan. I submitted a complaint earlier this year as they were taking my monthly payments yet not allocating them to my account and subsequently sending me default notices. Thanks to your help that issue was fixed. However, despite them now allocating my monthly payments which include P, I, Insurance, and Property Taxes, they have managed to include the wrong tax info on my account. As a result they have not paid my taxes for two quarters ( so I am once again in default for this mistakes ) and they have been sending my escrow money to pay someone else 's property taxes. I have reached out for assistance in fixing this problem and have had no luck. And, they have now sent out another incorrect payment and missed another quarter 's taxes despite me reaching out and notifying them ( including sending them the latest XXXX of XXXX tax invoice showing all the details ). 

Please help!
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I am being contacted by a collection agency that has provided no proof of debt. This has been previously disputed and is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.
Product: Credit reporting or other personal consumer reports

THIS VEHICLE IS IN THE DATA BASE AS BEING STOLEN AND HAS BEEN NO RESPONS AND ITS BEN OVER SIX MONTHS WITHOUT ANY FORM OF PROPER INVESTIGATON ON THE VEHICHLE WICH SHOULD NOT BE ON MY CREDIT TEPORT AS A CHARGED OFF ACCOUNT IT IS IMPOSSIBLE TO START ANY FORM OF PAYMENT UNDER THE FCRA TO PAY ON A STOLEN CAR BILL THIS HAS TO BE RECTIFIED WHY THIS HAS NOT BEN HANDLE BY CAPITOL ONES SOLUTOIN TEAM THIS IS BECOME A PROBLEM WICH CFPD SHOULD NOT LET THIS COMPANY GET AWAY WITH FRAUD DO TO A HAVE TO SUFFER DEARLLY AND YOU MUST PERTECT ME THATS IN THE DEFINITION OF THIS BUROUGH Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms 75 Months On record until XX/XX/XXXX Payment history 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  Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student Loan Listed as : ACS/XXXX XXXX Date Open XX/XX/XXXX is  reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX XXXX at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XXXX XXXX to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XXXX XXXX and on XXXX XXXX to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!
Product: Money transfer, virtual currency, or money service

in XXXX  my wife and i were victims of a home title loan scam. we believe the title company was hacked and spied on. when the time came to transfer money the hackers posed as one of the individuals from the title company and asked my wife to transfer our home down payment to an account with bank of America we transferred the funds from our bank at the time with XXXX XXXXXXXX XXXX XXXX on that same afternoon we went to the title company and they claimed they never sent a email. we immediately called occu and they said the transfer had already been sent to bank of america and please call them we called bank of America and the response was basically along the lines of " you do not have a account with us, we don't care '' the only think they would tell us was the name on the account the money was being sent to the name on the account was " XXXX XXXX '' if i remember correctly we later found out that " XXXX XXXX '' lives in XXXX if i remember right the amount we lost was around XXXX this was in XXXX i learned that if this happens to a tax payer in America no one is held responsible this is still hard to let go that bank of america is aloud to promote and apparently protect fraudulent accounts