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

Yes a complaint t has already been filed in which I only received a letter stating more time was needed in this issue. I did not know of any certification of identity needed until I opened this website to find out the outcome of this complaint. I am requesting more time to verify my identity due to never receiving the request for my issue in the first place. Still XXXX was taken from my account illegally but by who? Surely not myself. Wells Fargo is XXXX insured do what happened to my money? And why was my account closed.
Product: Mortgage

Hello, I am in the process of trying to refinance my Mortgage. I was informed by the new lender on Friday, XX/XX/2020 that Specialized Loan Servicing was reporting me in Forbearance. 
I have never been in Forbearance / deferment. In XX/XX/2020 I did inquire about deferring payments but was told that the deferred payments would not be added to the end of the loan and I would have to requalify if I could not pay the payments that were deferred plus current payment. If I didn't qualify at that time I could sell my home. I did let SLS know at that time that selling my home was not an option therefore I continued to make my mortgage payments on time. I called XXXX on Mon, XX/XX/2020 asking why they were reporting me as forbearance I was told that my zip code is flagged as being affect by the wildfires. I explain I'm no where near the wildfires. I asked how can I be in forbearance if I have made all my payments on time and haven't signed forbearance docs? I asked them to send me a letter via email stating that they have reported me incorrectly and I have never been in forbearance. I finally received the email after several calls stating that I have asked to be taken off of forbearance. The letter did not state that they reported incorrectly. The new lender will not approve my loan because the letter is stating I was in forbearance at one time. I called back and was told that someone will call me back and that a letter saying they made a mistake cant be sent via email. I called back today and when I put my info in the recording says they are close. Its like my number has been blocked. I will attached my Payment History and the Letter/Email I received from them. I explained that I needed the revised letter emailed to me ASAP so I want miss a financial opportunity. Please let me know if you need a more info. I was also told that an other client had asked for a letter via email stating they were reported in Forbearance in error. I asked how many people credit was affect with their erroneous reporting? 
Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, XXXX, and Equifax. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXXXXXX XXXX XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CEO of Chase Bank has been notified that Chase Band and three of its reps with phone numbers ID, then personal IDS have notified the XXXX XXXX Police Department, XXXX XXXX, NY XXXX, information available only to me or my Doctor under HIPPA Law. The rep was identified and the phone number was identified as belonging to the fraud department and ID theft I have been pursuing for one year. 

It contained information that does not appear in my HIPPA file and has been verified that Chase Bank was the caller, identified positively and broke the HIPPA Laws in entirety. The police asked questions loudly on my porch and lawn, was 10 and 1/2 hours  after an email was rectified and not only filed a false police report but a federal report all felonies. 

Two days later, Chase Bank as reported to XXXX XXXX, CEO of  Chase bank that another employee reported false information to a federal agency whose help I depend on and reported to XXXX false information as real from a HIPPA file which it doesnt contain. One day later, a thrive false report was submitted to Adult Protection Services, another federal agency which was not in my HIPPA report, lies and made up causing to federal workers to  show up on my doorstep with false HIPPA information, illegal to read, illegal to report as fact, lies. These are all Federal charges with multiple felonies, Extremely high fines and federal sentences for XXXX XXXX CEO of Chase Bank for obtaining, reading, co-operating with the calls of filling a false police report on federal matter, co-operating with the same penalties and lies to XXXX and co-operation with filing a false report to a federal agency, XXXX. XXXX XXXX, CEO of Chase Bank also filed a false report, has possession of my HIPPA files and has lied to another Federal Agency, Adult Protection Agency which are lies because I have been fighting Chase and five other banks that my ID was stolen, denying all as fraud and constantly across five banks and three reporting agencies has been held down and suppress even though I supplied where to find him, where his buiness and everything I uncovered which has been ignored or worse not acted upon by all 11 agencies, bands, credit card fraud, ATM cash fraud, police report filed, FTC filed, Consumer Reports filed and nothing has been done. XXXX XXXX was my tax attorney, his words, tax preparer who filed my 2018 tax claims in XXXX of 2018, charging my cards with fees, payments, fines, fees for XXXX   Advisors, two locations he managers, still is preparing taxes.
Product: Credit reporting or other personal consumer reports

I received a fraud alert on my Experian credit report that I never placed, or it was accidentally placed. I have tried calling and the system wont let me speak to a representative. 

They want me to mail in a document ( I dont own a printer ) with a copy of my ID, which Im not comfortable sending in by regular mail, so I have to send it via tracking service which costs money.for a fraud alert I never put on my credit report to begin with. This is causing issues with me getting approved for credit, because my identity cant be verified due to the extended fraud alert. 

Experian is incredibly difficult to get in touch with. The phone system refuses to let you speak to anyone and it even says agents are reserved for only specific issues
Product: Mortgage

I filed XXXX XXXX on XX/XX/2022, and PennyMac Mortgage reported that I am in the arrears on my mortgage. I am not and was never in the arrears. I reported this issue already and am submitting more documentation that was received from PennyMac 's lawyers. 

Also, I confirmed via telephone today with PennyMac 's customer service representative that my account is current with no arrears due. Therefore, PennyMac is attempting to collect money in arrears from me that is not legally owed. 

Also, PennyMac is refusing to correct the XXXX XXXX XXXX removing the incorrect arrears. I owe no arrears to PennyMac.
Product: Student loan

Since Navient took over my account I have been slammed with misleading and unduly harsh credit reporting practices. The first occurred in XXXX XXXX. After making a payment of {$500.00} on XXXX XXXX, XXXX to pay down my balance, I was alarmed to find that I was reported delinquent to the credit bureaus just one day later. I was told in certain terms by a Navient rep that I would not be reported late if I made the requested payment, but not told that my payment would only apply to reporting in XXXX XXXX, which had only 2 days remaining at the time that I made payment in good faith. It was a bait and switch tactic. I had no idea that Navient would attack my credit just a couple of days later - after I made a payment. I was not advised that any of this could or would happen. I appealed to Navient to reverse this unduly harsh report which was visible to me on XXXX XXXX, especially since I was trying to make more consistent payments. They refused. 

In XXXX XXXX, while trying to understand and rectify the delinquent XXXX report with Navient, I was advised by a rep to consider forbearance. I agreed and authorized it. I understood that it would begin in XXXX and curtail future negative reporting. Two days ago, in XXXX, I was shocked to see a 120 day delinquent on my credit report. I received no emails as I did in the past from Navient, no calls. Nothing. 

Together, these actions tanked my credit score and ability to purchase a home, which I repeatedly appealed to Navient. They refused to work cooperatively with me, to recognize my efforts. A very different experience from XXXX XXXX. 

At this point, I see no reason to have any further contact with Navient. They have killed my American Dream of home ownership and purchasing a car in less than one year. As a single mom, I face a lot each day and I try my best to pay my bills. I am current on all of my credit cards. Navient however is unscrupulous - they have kicked me twice now. Very hard. And with zero warning. 


after being told this would not occur when I made a payment {$500.00} payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from Experian that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from XXXX XXXX XXXX on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted Experian and they refused to dispute the duplicate hard inquiry. They directed me to XXXX to request removal. I contacted XXXX and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report twice for their investigation into the validity of my my identity and application. 

My XXXX score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

I sent my dispute letter 30 days ago. They have it removed or responded to my letter since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers 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.
Product: Student loan

I currently have student loans with Great Lakes and the amount owed is {$100000.00}. These student loans continue lower my credit score. They keep reporting these loans in all my credit reports. I thought that I was entitled to privacy, as it states in the Family Educational Rights and Privacy Act ( FERPA ) that was enacted in 1974 ; and 20 USC 1232g ( b ). They never explained to me my rights to privacy and I am being turned down for credit when attempting to purchase goods and services. It has been more than fifteen years and this action continues. I have communicated this to the credit bureaus, but they insist that the information is accurate and it has to remain on my file. How is this fair reporting?
Product: Checking or savings account

My debit card was stolen and used for purchases totaling {$18000.00}. I submitted 2 disputes to Chase and they were both instantly denied without further verification, and now I can not submit another dispute because their policy states that once a dispute gets denied it can not be resubmitted. My life savings were stolen and Chase won't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$370.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XX/XX/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

Pursuant to XXXX XXXX the account balance reporting to the credit reporting agencies is not accurate. 

The amount of debt sold to XXXX XXXX XXXX XXXX is not accurate pursuant to XXXX XXXX testimony. According to XXXX XXXX, American Express seeks {$1000.00} American Express had sold the debt to XXXX XXXX XXXX XXXX and is seeking {$1400.00} According to XXXX XXXX testimony the amount that XXXX XXXX XXXX XXXX is seeking is not accurate pursuant to XXXX XXXX testimony to XXXX  dated XX/XX/2022 regarding the Hilton Honors Card with American Express. 

Pursuant to the FCRA AMERICAN EXPRESS IS NO LONGER THE CREDITOR AND HAS SOLD THE DEBT TO XXXX XXXX XXXX XXXX HOWEVER THE AMOUNT IS NO ACCURATE PURSUANT TO XXXX XXXX STATEMENT OF FACTS REGARDING THE AMOUNT DUE.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for inaccurately reporting a late payment on my credit report for the accountXX/XX/XXXX( Account Number : XXXX ). Experian is reporting that I was 30 days late in XX/XX/year>, which is incorrect. The creditor could not verify this information as accurate, and XXXX has already removed this late payment from my credit report. 

Despite being notified in a dispute letter, Experian has failed to correct this error. I believe Experian is not conducting proper investigations, as highlighted by the recent CFPB lawsuit alleging Experian engages in sham investigations of credit report errors. This raises serious concerns about the integrity of Experians reinvestigation procedures.

Experians failure to comply with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ), violates their obligation to remove unverifiable information or provide a valid method of verification. I demand the immediate removal of the XX/XX/year> late payment and request that the account be updated to reflect paid as agreed, never late
Product: Credit reporting, credit repair services, or other personal consumer reports

information was sent to XXXX stating paid nothing owed but was not sent to XXXX and XXXX XXXX. I have tried to contact them on the phone by calling XXXX no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from synchrony bank for care credit but I didnt apply
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen im attaching a police report made by the following companies 1=XXXX  Inquiry : XXXX XXXX, XXXX 2=XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXX  and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXX, XXXX ) will not block these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A company identifying themselves as Enhanced Recovery Company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a 'personal business matter '. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. 

Calls always come while I am at work, wasting my time, and my customers time. 

Calls are coming from the following numbers so far:XXXX, XXXX, XXXX, XXXX, XXXX
Product: Debt collection

IQ Data International is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the U.S. Bankruptcy Code, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX