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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open account on my credit report. Despite multiple communications and efforts on my part to rectify this issue, the problem persists, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

I first discovered the presence of late open account on my credit report, which inaccurately reflect my financial history. Since then, I have diligently followed the proper procedures outlined by Credit Bureaus to dispute and rectify this inaccuracy. However, despite submitting all necessary documentation and evidence to support my case, the late open account remain on my credit report. 

I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each interaction has been met with promises of investigation and resolution, yet the issue persists unresolved. 

The presence of this inaccurate late open account not only tarnishes my creditworthiness but also undermines my efforts to maintain a positive financial reputation. As a responsible consumer, I take great care in managing my finances and expect accurate reporting of my credit history. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt correction of late open account from my credit report. 
Written confirmation of the correction and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these account in my credit file : XXXX XXXX Balance : {$240.00}.
Product: Debt collection

Experian is falsely reporting a XXXX XXXX balance of {$420.00} which is not outstanding but paid.
Product: Payday loan, title loan, or personal loan

I applied for a HELOC and when I went to my closing it was brought to my attention the processor, XXXX was her name, added a discount where I was told to accept it and just pay it back the next day. Its what all our customers do they said. I was unaware that I would be charged interest and was not happy when I saw the bill. I went to the branch and the manager said they would waive it for me and report the young lady who deceived me and baited me into taking the money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) from XXXX to XXXX. These violations have significantly affected my credit standing and financial opportunities. I allege the following violations of the FCRA : 1. Failure to ensure accuracy of information ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports, particularly regarding late payments, delinquencies, hard inquiries, collections, and debt balances.

2. Failure to conduct reasonable investigations of disputes ( Section 611 ( a ), 15 U.S.C. 1681i ( a ) ) : When I have disputed inaccurate information, the agencies have not conducted proper investigations or corrected errors within the required 30-day timeframe.

3. Reporting of outdated negative information ( Section 605 ( a ), 15 U.S.C. 1681c ( a ) ) : The agencies have continued to report negative information beyond the 7-year limit specified by the FCRA, particularly about late payments, delinquencies, and collection accounts.

4. Failure to provide required notifications ( Section 611 ( a ) ( 6 ), 15 U.S.C. 1681i ( a ) ( 6 ) ) : I have not received proper notifications of the results of investigations or information about my right to add a statement to my file. 
Specific issues in my credit reports include a ) Late Payments and Delinquencies : Inaccurate reporting of late payments on accounts that were paid on time. 
Delinquencies that should have been removed after 7 years are still present. 
Inconsistent reporting of late payment severity across the three bureaus. 
b ) Hard Inquiries : Unauthorized hard inquiries appearing on my credit reports.

Hard inquiries remaining on my reports beyond the 2-year limit.

c ) Collections : Collection accounts that do not belong to me.

Paid collection accounts are still reported as unpaid.

Collection accounts older than 7 years from the original delinquency date still appear on my reports.

d ) Debt Balances : Inconsistent reporting of debt balances across the three credit bureaus.

Inaccurate debt balances that do not reflect my actual account statuses.

e ) Reporting Discrepancies : Significant discrepancies in information reported to each bureau, leading to unfair variations in my credit scores. 
These inaccuracies and violations have resulted in an overwhelming negative impact, such as loan denials, higher interest rates, difficulty obtaining housing or employment ] .I request that the CFPB investigate these matters and require XXXX, XXXX , and TransUnion
Product: Debt collection

This account was originally opened with XXXX XXXX XXXX. It has been charged off to Portfolio Recovery and status wrongfully remains open on my credit report as well has incorrect balance owed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>
Product: Student loan

Harassing phone calls Calling people that are not me or my co-signer Calling estranged family members about my debt Calling co-signers neighbors I have been in contact with them so there is no reason for them to behave this way
Product: Credit reporting or other personal consumer reports

The account status should be Paid, not Derogatory ( since it matches XXXX & XXXX ). The balance is {$0.00}, meaning there is no outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I opened a  XXXX  's credit card with the persuasion from a sales clerk to receive a discount on my items for purchase with the intent of closing the account after. I do n't ever recall receiving a paper statement but did receive an email showing the balance due. I did make full payment of the amount due on the account but it was electronically received 2 days late. In addition, the account was noted as closed. Subsequent to the account being paid in full I have receive d 2 late charges  of {$27.00} each. The first was {$27.00} for being 2 days late, and the second late charge of {$27.00} was for being late on the first late fee.     I called Comenity Bank today, and they claimed they could not eliminate the late charges since the account was closed. This is ridiculous and I feel they are taking advantage of me and putting me in a credit risky situation. It is not right that they will continue to keep charging me late fees due to late fees when the account is closed, and they have receive full payment of my purchases.     Help!
Product: Credit reporting

See documentation from XXXX & gt ; Equifax states that I did not communicate with them. This is not true I have been submitting disputes with documentation for months. It is past the 30 day time frame under FCRA. The accounts with multiple errors should be disputed and barred from re -- adding. 
I have sent Equifax several disputes on these XXXX accounts over several months. They can not say I have not communicated I have sent these online. I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. The account was not on my XX/XX/XXXX Credit file. It was addded after it charged off for my husband. All charge off dates were modified and history in an attempt to re-age the debt. We filed complaints with the XXXX, XXXX, and also, the Attorney General of VA.There are multiple errors on my file. For this account and the other. It has been over 30 days since I disputed this at this point, since the Furnisher is verifying information they know is incorrect I want the XXXX deleted as well as XXXX is evidence of how many times these items have been disputed and though incorret. though I provided evidence they have left it on my file. These items should be deleted. It has been past 30 days.
Product: Mortgage

On or about XXXX XXXX XXXX, I was offered a Hurricane Ian Disaster Forbearance by Mr. Cooper ( Nationstar Mortgages d/b/a Mr. Cooper ) after Hurricane Ian caused an incredible amount of damage to our home. I was told that the three skipped payments would be added to the back end of our loan. A agreed to accept three months, believing XXXX XXXX ( our insurance company ) would come to our aid in that time. I was wrong. 

I was approved for a " Extended Modification '' XXXX XXXX XXXX  which Mr. Cooper 's document states " ... adds the principle and interest payments you missed during the forbearance to the end of your loan and extends your loan term ... '' I mailed a modification application to Mr. Cooper to reinstate the mortgage payments. After the wait period I called to check the status and Mr. Cooper 's associates explained that " I '' had canceled the application. This was not true. I repeated this action again and again over the next several months because associates from Mr. Cooper claimed that after mailing my applications, that I canceled them each time. 

To rectify this misunderstanding, I applied online at the Mr. Cooper website only to be informed that I had yet again canceled my application. After escalating the problem to XXXX XXXX I learned that I never qualified for a forbearance. Prior to Hurricane Ian my wife and I had applied for a streamline mortgage, gotten it, and made several payments. XXXX XXXX XXXX  computer system had flagged Mr. Cooper 's offer for a Hurricane Ian Disaster Forbearance but no one in XXXX XXXX informed us until many months had passed. 

Furthermore, as we were in this forbearance and loan modification application period our mortgage was raised and then after the multiple efforts to get the loan modification to go through the system, we were denied the loan modification due to " excessive obligations in relation to income '' and promptly sent a demand letter. 

As of XXXX XXXX XXXX Mr. Cooper was demanding the full amount due for the ten months we had been going through this to bring the mortgage current. A community organization offered roughly half the amount owed toward the balance, and we were able to pay the other half. Two cashiers checks totaling the balance and the next month 's mortgage were over-nighted to Mr. Cooper on XX/XX/XXXX to bring the mortgage current. We have documentation the money arrived before the deadline stipulated in Mr. Cooper 's demand letter. Mr. Cooper 's representative informed us the payments were rejected, stating a minimum payment must be in one check or one electronic transfer. This was never stipulated in writing. It would also make it impossible to get help from organizations. Our mortgage account will no longer accept payments. 

We had paid on this loan every month for twelve years and never missed a payment until Mr. Cooper 's offer to " help '' us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a business checking account and never received the debit card from Wells Fargo. I received emails that my card had been declined so once I called I found out my account was being used without my knowledge or permission. I called XXXX XXXX who would only give me an incident number and said Wells Fargo would investigate. However I have been getting the run-around with no solution and still no ability to use my business checking account. Wells Fargo has also been nothing short of unprofessional and grueling to deal with. I have documentation to support my claims. need help please
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I talked to XXXX XXXX XXXX who purchased the debt from XXXX. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the XXXX account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to Thurs. XXXX - XXXX, XXXX XXXX - XXXX, Sat. XXXX - XXXX, Sun. XXXX - XXXX ( ET ). 

Thank you for resolving this account. 

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

Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX  in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX sold or sent the loan to Ascendium Ed Solutions. I was working with XXXX XXXXXXXX XXXX company to consolidate my loans. I spoke with one of Ascendium loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX XXXXXXXX and consolidated but the Ascendium still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an collection agent that I have ask Transunion to investigate. It states that I owe XXXX. The credit report does not display the correct contact information for this company. I have asked them to send me information verifying that this account belongs to me. They have just update my account saying it was correct. I told them that them verifying via electron system is unacceptable. I have been denied several loans because of the inaccurate information.In the past I was a victim of identity. My Transunion file states that I have been in there system since XXXX I was only XXXX years old.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX - Date of inquiry : XXXX/2023XX/XX/year>
Product: Debt collection

Synchrony Bank / Care Credit / XXXX XXXX XXXX. I filed a complaint against them for not complying with requesting a validation with a signature from my attached letter. Now after my dispute I get an alert from XXXX that the collection was put back on my reports with this in comments ( Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department / At least 120 days or more than XXXX payments past due Comments : Subscriber reports dispute resolved - consumer disagrees ). I am trying to fix my credit, and it as looking better, now this happened. Is there anything that you can do to fix this. I want to have Synchrony bank Care Credit and XXXX XXXX XXXX deleted from my credit reports totally.