23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date I have not received any response, and they are still reporting inaccurate information on my credit report, as they have not provided any information of them removing the inaccurate items from my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Product: Vehicle loan or lease

XX/XX/2018 paid {$780.00} and XX/XX/2018 contact Mercedes Benz Financial Service ( MBFS ) via telephone to check status of receiving credit for payments not list on MBFS summary list of payments already applied In XX/XX/2018 sent a written inquiry to Mercedes Benz Financial Service with a copy of paid receipts with transaction number regarding proper credit for XX/XX/2018 and XX/XX/XXXX inquiring whether payments were credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this several times to Transunion that this information is incorrect and unverifiable - I even received a letter from XXXX saying that they couldn't verify this account. 

XXXX XXXX XXXX XXXX {$2200.00} thank you
Product: Debt collection

XXXX was the initial complaint asking for debt validation, purchase agreement and cease and desist and they have not provided anything that I have asked for and have continued to communicate via text after a cease and desist.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX should not be reporting on to my credit report I have agreed to pay this account off and have XXXX payment but they are still reporting this inaccurate account on my credit reports XXXX XXXX is violating many on my consumer rights Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days
Product: Student loan

I have been in the Public Student Loan Forgiveness Program since XXXX  with all but ( 2 ) Federal Loans forgiven by a previous servicer in XX/XX/XXXX. The ( 2 ) remainder loans were in process of consolidation and forgiveness under the XXXX Limited PSLF Waiver Program in XX/XX/XXXX when they were transferred to Loan Servicer MOHELA. Despite over 20 attempts by phone and written correspondence in the prior 12 months to determine why MOHELA has not processed the rightful Forgiveness I earned under the Dept of Education PSLF program, no reply has been received, and no processing of forgiveness has started on my account. 

Wait times to speak with a MOHELA customer service rep often exceeded 1 hour, and when I did reach a rep I was given 7 different answers to the same question as to why my PSLF loans had not been processed for Forgiveness. The loans are still listed as debts on my consumer financial reports hurting my ability to have credit or loans extended. This is negligence BY mohela. MOHELA is now attempting to bill me for the remaining loans for collection which MOHELA will attempt to financially profit from.
Product: Credit reporting or other personal consumer reports

Credence Resource Management has illegally placed an account on my credit profile that has been disputed and removed from a different collection agency. This alledged debt has been bought and resold numerous times. I have no contract with the original creditor nor the collection agency. Per FCRA I am requesting removal of this account that was placed on my credit profile without my permission. This is fraud. I will seek monetary damages for this companys actions of not removed immediately
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccuracies or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer dash provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.
Product: Money transfer, virtual currency, or money service

I was a victim of an scam. I made two payments via XXXX, provided by my Bank ( Chase ). I called them as soon as I realized it, but they told me they could not help me because XXXX do not allow them to recover or stop payment. I lost {$1200.00} and Chase could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was KOHLS/CAPITAL ONE customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced 'paid in full ' account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did realize that all three Credit Report XXXX have several hard inquiries in my credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/2023, I received a copy of my credit report and became aware of four inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed.
Product: Debt collection

I got a message that collection had been trying to serve me an I needed to call XXXX and mention case XXXX which I did and I was connected to XXXX XXXX at ext XXXX. He claime he was from XXXX XXXX XXXX in XXXX XXXX and referenced an old credit card debt, card number XXXX with an amount owed of XXXX and wanted me to pay or else he was going to file a judgement suit against me in my area for breach of contract. He then offered a settlement of XXXX which I told him I had no money Im fully XXXX. He then tried to get me to name an amount so I told him XXXX, I can pay nothing. He then told me he would be filing the case cause I disrespected him by offering XXXX payment. The call ended. I called him hours later and requested debt verification and last payment date an he said it would all be in the packet he was sending but it might be awhile. The call ended. I have since checked california XXXX XXXX and they never heard of him and neither has oregon XXXX XXXX. I XXXX  his number and there are a few similar complaints, I have found out my card was closed in XXXX  and debt sold several times. I havent made a payment since before the account was closed. There is nothing about it on my credit report, but the acct was my card.I have tried calling us bank several times and their collection department to get info. The first time they told me it was sold in XXXX  and gave me a name of the buyer who is now out of business. They would not give me anything else and if I call they just put me on hold and leave me there till I hang up. Everything I could find online tells me it is a time barred debt and is past the statute of limitations and is not on my credit report which would make it illegal for them to try to prosecute me for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fir Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX & XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXX/XX/XXXX has violated my rights. 
EQUIFAX MORTAGE SERVIC XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Specifically, I request your assistance in investigating and removing the inaccurate entries that are affecting my credit profile.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly addressed and removed from a consumer 's report. 

After reviewing my credit report, I have identified the following inaccuracies requesting for removal immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX  XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX Equifax Credit Accounts XXXX  XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX Equifax is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.
Product: Debt collection

I have items showing on consumer report claiming to be mine. I do not have a contract with these corporations to collect anything from me. Ive written multiple dispute letters to XXXX and equifax about the issue and they have yet to resolve the issue.
Product: Credit card or prepaid card

I purchased items at XXXX  on XX/XX/22. I pulled out my Banana Rebublic Synchrony Bank credit card to use because it is part of the same group. I was informed by the cashier that she could " switch '' my Banana Republic card to an XXXX  card in order to recieve 20 % off of my purchase. The cashier never informed me that I would be opening a new credit card. My understanding was that my Banana Republic account was switched to an XXXX account. However, Synchrony Bank informed me that switches are not possible. 

Due to these actions, my credit score was affected, and Synchrony Bank informed me that it will be affected again if I close an account. 

Thank you for assistance in helping me resolve this situation.
Product: Payday loan, title loan, or personal loan

I took out a title loan.In XXXX it was paid out.I was told they would clear it and mail it to me.That never happened. I contacted them in person they said would look into it.I had to keep calling.Was always told it was put in for.I asked if they could compensate me.They will not respond to this.I have been speaking to them since XX/XX/XXXX today is XXXX XXXX.I have spoken with XXXX, XXXX, XXXX.The store manager for XXXX branch called said she will call me back.This has not happened either.
Product: Mortgage

This complaint is being submitted due to derogatory information on our credit report for property located at XXXX XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, NA collateral was surrendered in a Chapter XXXX XX/XX/XXXX in Federal Bankruptcy Court and the presiding judge was XXXX XXXX. This secured claim was surrendered and satisfied in full through surrender of the collateral. XXXX XXXX XXXX then sold the loan to another mortgage company and they sold the loan which resulted with One West Bank having the loan now. They have the property in foreclosure on my credit report as if I still own the property. One west bank has been notified by my attorney that the property was surrendered XX/XX/XXXX and of the improper conduct of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do have a XXXX XXXX XXXX XXXXXXXX with limit of {$10000.00} since XXXX XXXX at XXXXXXXX XXXX received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX to XXXXXXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Product: Mortgage

Wells Fargo Mortgage has provided property insurance on my mom 's home ( She has a reverse mortgage with Wells Fargo. She has been unable to obtain property insurance on her own so she had no choice but to accept the property insurance provided by Wells Fargo. A re-payment installment agreement was made to re-pay Wells Fargo for the property insurace provided. My mom makes monthly payments on this. The problem is that every single month, Wells Fargo collections calls her to " verify '' information. These calls are made every single month, even though she has never missed a payment. I view this as abusive since there should be no need to call her every single month on an account that is up-to-date.
Product: Vehicle loan or lease

I had a auto loan with GM Financial that was paid in full. The company quoted the full amount then months later contacted me stating the amount that was quoted was wrong after the check was submitted. I had no recollection until months later. I then paid the remaining balance. The results of their error caused me multiple late fees and for GM Financial to report a repossession which never happened and I still have my car. I reached out multiple times disputing this error requesting they remove it from my credit report to no avail. I need assist with correcting this error.
Product: Mortgage

I pay my property taxes and and home insurance separately. So I dont have an escrow with the company and have been paying this for awhile. There was a 12 day lapse in insurance ( I guess the card didnt go through ). They added insurance and an escrow account without telling, calling me, or sending an email ( they send emails for everything for whatever reason ), they also didnt mention this until many months later whenever the payment amount increased. They eventually cancelled their insurance but wont take off the escrow because they claim its said in the closing documents ( Which this is after several phone calls and getting hung up on ) they said it was in the security deed but I dont see anywhere where it says That. Im tired of being told different things and will get an attorney involved,, just wanting to make a complaint
Product: Checking or savings account

Received the following text : ( Alert ) Your Citizens online account is under review due to suspicious activity. To restore access visit : XXXX ( Msg & data rates may apply )
Product: Bank account or service

I did not receive the {$400.00} business account opening bonus at 5/3 bank, even though the terms were met. The terms of the bonus promotion were to deposit at least {$5000.00} and maintain an average balance of {$5000.00} for 60 days, while performing 5 debit card transactions - which was successfully accomplished. 

To provide some background : The account was opened via phone and the promotion information was relayed to me by the baker on account opening, who suggested I deposit {$5000.00} to ensure the {$5000.00} average is met. Once the welcome packet ( containing my account information ) was received - the {$5000.00} was deposited at my local branch. In the 60 days since deposit - the XXXX average balance was maintained, in addition to performing 5 debit transactions. The proof is readily available by looking at the account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I didn't do XXXX  XXXX XXXX XXXX XXXX XXXX dual card
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of account below has violated my federally l protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 with out my written instruction 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, other than records of conviction of a crime 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 information is inaccurate.
Product: Debt collection

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX an audit was conducted by XXXX and found that I owed {$4400.00} for unpaid health benefits from XX/XX/XXXX to XX/XX/XXXX. XXXX attempted to contact me through an address I have not lived for over 15 years! Although my current address is on file at every gov pension that also is distributed by XXXX. In XX/XX/XXXX I got a credit alert about this pass debt. I paid debt in full through pay.gov. Payment did not reflect in their system until they investigated and found payment. XXXX then took off my credit report on XXXX XXXX. Experian still shows negative remarks about overdue late payments. XXXX was the one in error. Experian needs to remove negative remarks and reinstall my excellent credit. Apparently this is a common problem from XXXX that ruins innocent peoples credit. I want to be made whole again by Experian. They are over XXXX pts different from other credit reporting agencies.