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

I have a loan with XXXX  XXXX and WELLS FARGO. I have always made my payments on time. For some reason I realized that there were charge off accounts on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and XXXX XXXX and WELLS FARGO with no successful resolution. There was definitely an error on their part.
Product: Credit reporting

There is a Tax Lien on my credit report that need to be removed. 
Reference # XXXX Amount : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was attempting to purchase a vehicle at a local dealership. I was informed that Santander banking was showing an account with a XXXX balance but failed to close the account. The account is showing open on my credit report. 

This has been an ongoing problem, preventing the complete sale of the vehicle.
Product: Debt collection

Making a false statement about the account having a judgement against it when in fact there has been no court case.
Product: Debt collection

WINN LAW GROUP IS TRYING TO COLLECT DEBT THAT DOES NOT BELONG TO ME. I HAVE BEEN A VICTIM OF IDENTITY THEFT THEREFORE RESULTED AN ACCOUNT THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS FRAUDULENT, AND NOT MINE.
Product: Credit reporting

To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

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

How can I challenge Experians score? ( And others for that matter )? Its impossible to speak to anyone! I even wrote a dispute involving the XXXX credit card to get someones attention, but it hits a brick wall. Can't speak with anyone, get hung up on, and Experian says they are just a monitoring service and say it's XXXX  that furnishes the credit score. XXXX  says they only use the data furnished by the credit bureaus. The bank ( XXXX  ) forwards me to XXXX XXXX which is part of XXXX. Very frustrating... 

Case : I had an exceptional credit score ( XXXX ) before I applied for a XXXX XXXX Credit card in XXXX XXXX. My credit score dropped XXXX points to ( XXXX ) within 3-4 weeks. Nothing else changed! This negates everything I worked for getting my score up so I can efficiently buy my first home at minimal interest rates. This has bugged me endlessly 5 months. My credit utilization is around 4 %. I dont have a mortgage. My XXXX score is around XXXX. 

I use this new card 100 % of the time now, but havent closed the old cards. I also pay in full, monthly. Im not sure if the scores will affect my interest rates on a purchase ( s ), but there needs to accountability from such a process by Experian. Using Experians own Credit Score Simulator shows only a XXXX reduction if a credit card is obtained, not XXXX points. 

I've emailed Experian and XXXX and get canned replies. I finally get someone on the phone ( including managers ) and they state they don't have control or just monitoring services? I'm afraid I've missed a few home purchases because this hasn't been resolved. 
I've since used experian 's XXXX program to add cellphone, utilities, cable bills to boos the score which helped some. It isn't picking up 2 other bills ( which is another error ). This still didn't explain the score drop. 

It appears that all 3 credit bureaus are trying to get you to purchase their products as well as XXXX. This appears to be a scam at increasingly alarming rate. This can equate to $ millions if not Billions in extra costs from higher interest rates, for mortgages, car purchases and loans/credit cards due to this credit score that is magically hidden and non-transparent. 

Experian is owned by a multinational consumer credit reporting company based in XXXX XXXX with a revenue of {$5.00} XXXX for the fiscal year ending XX/XX/XXXX. 

All 3 Credit bureaus use what is called XXXX yet, all XXXX scores are different. 

Again, my Exceptional credit score dropped XXXX points for a Rewards credit card that is paid off monthly. I didn't even get out of the gate with it before the drop in score. Im trying to buy my first home without repercussion from the score drop. 

Your site says there are XXXX complains with only 2 % being addressed just in the last XXXX XXXX  years. This is horrible! Congress needs to address this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2020
Product: Money transfer, virtual currency, or money service

My PayPal account was billed with a false charge that included a phone # to settle. Unfortunately I called the number and gave the hackers access to XXXX XXXX XXXX and credit card accounts. The fake bill was from XXXX and phone # XXXX XXXX XXXX. After they transferred funds within XXXX XXXX XXXX account I withdrew $ XXXX in cash to send by bitcoin ATM. Fortunately I wised up and stopped the transaction
Product: Credit reporting or other personal consumer reports

Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed XXXX secured XXXX account the company replied with further inaccuracies and incorrect reporting. XXXX claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to XXXX at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance XXXX claims still owed is the amount returned unpaid minus the XXXX security deposit. XXXX is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to see why they are not reporting my authorized user tradeline for my XXXX card ( Account # XXXX ). They did not update my information as requested. It is showing on XXXX and XXXX but it is not reporting on my Equifax credit report and I want it reporting immediately.
Product: Mortgage

The PHH mortgage company always does deceptive things that go against the CFPB rules and regulations. They lie to buyers trying to refi and/or get a mortgage that doctors notes are required when they say they are on XXXX, they deny loans to women when they find out that they are on maternity leave from their job, they lead borrowers to use their title company ( which they own XXXX % of the title company ) without telling borrowers that they get a kickback on people using the title company, they have loan processors giving borrowers rates when the processor are not licensed to do so and they have non XXXX speaking non licensed customer service reps who mess up the escrows on accounts so that after the first year when the escrow is messed up they foreclose on your home.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have multiple overdraft fees charged to my account and my old account.
Product: Credit card or prepaid card

The account in discussion is KeyBank Account # XXXX the issue at hand is a late reported in XXXX of 2020. Due to Covid-19 I was unable to make the payment but as soon as I was able to I got the payment made right away.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes 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 the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX my bank ran my credit report and I showed a {$490.00} collection owed to Wakefield Collections Company. I contacted them and they stated I owed {$490.00} to an ER physician ( XXXX XXXX ) for an ER visit for my son on XX/XX/XXXX. 

I told them I pay my bills so if I received a bill I would have paid it and most every year by XXXX my deductible has been met so my insurance would have paid it or at least 85 % of it. 

I contacted my insurance company and they stated the Doctor never submitted this claim to them and 6 years later it is too late for them to pay it. 

I contacted Wakefield and let them know my insurance would no longer pay it because it is too late. Wakefield stated they did not care and it is my problem.
Product: Checking or savings account

I opened an account with XXXX XXXX XXXX XX/XX/2023. He said I can open an online account. 
I went online and could not open an account because I did not get my account number. I have never received paperwork concerning my bank account ( I did receive my debit card ).
Product: Credit card or prepaid card

Due to Fraudulent acitivity on my account Capital One shut my card down. As a result of Fraudulent Activity When I asked them to send me a new replacement Credit Card I was told I have to faq over a copy of my State ID.Card to prove that I am that I say I am, but when I applied for the card they nevernasked me fir my ID then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.
Product: Debt collection

Jefferson Capital has a history of misreporting collection dates to give accounts new DLAs and further damage peoples credit. They recently purchased a debt from XXXX XXXX. The update they added on XX/XX/XXXX via my dispute with XXXX was the historical account data which according to them is a major delinquency in XXXX of this year, when in fact they failed to update that date to correctly reflect the original date of XX/XX/XXXX, not XX/XX/XXXX, which is the disputed item at hand. 
They failed to update the dates to the correct dates, even via a dispute with XXXX. 
JEFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX They added this derogatory item subsequent to the dispute I filed, which is not relevant to the reporting. They purchased the debt on XX/XX/XXXX. There is no " 1st Rptd '' of anything in XX/XX/XXXX <<<<<<<<<<<<Date Maj. Del. 1st Rptd XXXX EFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting

I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experians inadequate response to a potential security breach that allowed unauthorized access to my credit file, which resulted in identity theft. Despite my account being protected with a password and SMS-based two-factor authentication ( 2FA ), I received emails on XX/XX/year> indicating that my credit file had been unfrozen without my authorization. Additionally, I was alerted that someone attempted to open a XXXX XXXX credit card in my name. 

After spending over an hour contacting XXXX, I was able to report the fraudulent credit card application. However, my attempts to reach Experian to report the unauthorized access and determine how this breach occurred have been futile. Their customer support system is primarily automated, and I was unable to reach a human representative to address this urgent matter. 

As a software engineer with a background in cybersecurity, I am deeply concerned that Experians reliance on XXXX  2FAa method known to be vulnerable to XXXX swapping and other attacksmay indicate systemic security weaknesses. Furthermore, Experian does not offer stronger authentication methods, such as app-based 2FA or hardware tokens. The lack of adequate security controls and failure to provide accessible means of reporting breaches are highly irresponsible for a company whose primary business involves the storage and management of sensitive personal data. 

Steps Taken : 1. I contacted XXXX and successfully reported the fraudulent credit card application as fraud. 
2. I attempted to reach XXXX customer service multiple times to no avail, encountering only automated responses. 
3. I re-froze my credit to prevent further unauthorized access, but I am unable to determine how my account was breached or confirm that the issue has been resolved.

Supporting Documentation : 1. Emails from Experian indicating my credit was unfrozen. 
2. Notifications of the fraudulent XXXX XXXX credit card application. 
3. Records of my communication with XXXX regarding the incident. 

Thank you for addressing this urgent matter.
Product: Debt collection

AmeriFinancial Solutions- account # XXXX Company is in violation of HIPPA, I did not authorize Original Creditor to sale my personal info to a random company. I signed paperwork ( under distress ) at the hospital to release my medical info to my primary care, and other doctors I was seeing in 2016. I asked company to PROPERLY validate the debt by showing bill of sale, my auth to sale my info to 3rd party, some proof that they now own this debt and have the rights to collect on it. Ive never rendered any services or goods with this company and do not wish to do business with them. I was sent a bill with my personal info, and procedures done ( please see attached files ). Company is not registerd in GEORGIA to do business!

I have made several attempts to reach out and resolve this matter with AmeriFinancial, but again, I DO NOT OWE these ppl any money! Please delete this account from my credit profiles. A letter of Intent was sent, and legal action will be taken pending the outcome of this investigation. 

REMOVE THIS ACCOUNT IMMEDIATELY!
Product: Credit card or prepaid card

I received an e-mail that I had a new document waiting for me from Capital One. I checked my account and saw that my account was being closed due to returned payments. I had forgotten I had the account set on autopay. 

I called Capital One to see what options were available to me as the card was already closed, but I still wanted to take care of the balance. The first rep I spoke with told me that it is not possible to waive any fees ( past due fees, over-limit fees, etc. ). He also said my account wasn't eligible for any payment plans. I asked to speak to somebody above him and he initially put me on hold, but when he came back, he basically told me that I was going to be told the same thing and there was nothing he could do. 

I then reached out to Capital One on XXXX as sometimes I have better luck with the social media team. They gave me two numbers to call other than the one on the back of my card, and all numbers routed me to the same call center. I spoke with another rep and told her the same thing. I said I wanted to get the account paid down, but I can not afford the minimum of {$110.00} and asked if I made a good faith payment of something like {$25.00}, if I could get on a payment plan and she said no. I also asked if payment plans freeze any fees so the balance can actually be paid down and she said no. I told her it basically sounds like I would never actually get the balance paid down as Capital One would keep charging fees and my payments would go towards the fees ( pure profit for Capital One ) and not the balance and she agreed. I asked to speak with a supervisor.

Supervisor gets on the phone and I have to re-tell the entire story once again. She agreed with what the previous rep said and that essentially Capital One will not waive any fees, will not put me on any sort of payment plan, will not freeze any fees or interest so I can make payments towards the balance and not have them absorbed by fees, and Capital in no shape, way, or form has the ability to help. I told her it sounds like my best option is to just let the card get completely charged off at the 180 day past due mark and then negotiate with the 3rd party collection agency that takes on the debt and she agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is has been the most horrible experience with a company I have ever dealt with before. I had an auto loan through Fifth Third Bank and back in XXXX we sold the vehicle on the XXXX. The monthly payment was not due until the XXXX but we were no longer responsible for this payment as we no longer owned the vehicle. I called them the very next day ( the XXXX ) and let them know what happened and asked for a hold to be placed on the account and that we no longer owned the vehicle and the dealership was getting the payoff check in the mail. I was confirmed that it was placed on hold and we would not be sent to collections.. I was called by them on the ( XXXX ) saying that we were 30 days late and were being sent to collections for delinquency. I tried calling numerous times to be transferred at least 10 times because no one would talk to me about the situation. A month later I finally spoke to someone who was slightly willing to help. I asked why it was 30 days late and why I was given absolutely no grace period before being sent to collections. None of it made sense. I was then told I apparently missed a payment in XXXX but this was the first time I was ever hearing of this. I have never missed a payment and have ALWAYS made my payments on time. I then went to get proof of all documentation showing where the vehicle was sold on the XXXX, the payoff check, and proof of the missed payment from my bank statement. I even went back to the dealership to see if they could help provide this information and they informed me that they no longer use this company as an option of financing because of situations like this. It is now 3 months later and they have done nothing to resolve this issue that has completely ruined my credit when I was not at fault. On XX/XX/XXXX I called back to check on a dispute and was informed they got the dates mixed up and denied to fix it. So again, I spoke with a lady named XXXX who informed me of this and she told me she would put the request in again and correct the date so that it would get reported correctly to the credit bureaus. She told me it would be 5 business days for them to make a decision. I called back today ( the XXXX ) and was then told it would be 30 days. This is absolutely ridiculous. Not only are they not reporting my credit accurately but they also cant get their facts straight.. Fifth Third Bank.. do better.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint concerning inaccurate items on my credit report that continue to negatively impact my credit score. Despite my attempts to address this matter directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of the following items, as they are incorrect and do not accurately represent my credit history.
Product: Mortgage

I sent a certified check. They didn't post it. Then they sent a bill stating I owed {$9000.00}. My house is worth XXXX. I owe XXXX. Tried to refinance with them but they wouldn't without a cash out which would raise the payment. Lost my job. The account is in Forbearance. I'm XXXX XXXX XXXX and just need the payment to be lower.