23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter writing back and forth stuff and trying to get these inaccurate accounts fixed is really starting to bother me emotionally. I noticed that you did not correct my problem with the account listed below. I advised you that I would be filing a complaint with the FTC if the problem was not fixed. 

In your last letter, you told me that I needed to contact the furnisher regarding the verified account. Well I did just that. They never responded to my request. From my understanding, if the furnisher cant verify that an item is being reported with 100 % accuracy, then they cant report it to the credit bureau. Because of that, this item must be removed at once. 

Creditor : XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment Creditor : XXXX XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment I have researched some other agencies that protect consumers against inaccurate reporting, and these agencies websites state that I can file complaints if the credit bureaus do not follow the rules. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress. 

Please fix this problem or I will have to file complaints with the following agencies : Attorney general in your state and the Consumer Financial Protection Bureau. 

I will be awaiting your prompt response.
Product: Credit card

I tried to pay for a watch using the XXXX gold card issued by XXXX XXXX bank and it was declined with transaction error on the XXXX of XXXX for {$XXXX}. This is somewhat misleading given their unlimited XXXX  % rewards program. I do not have an option on their app to any recourse on this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to remove this particular account and has come back onto my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I'M FINDING IT VERY DIFFICULT DEALING WITH THE CREDIT BUREAUS REGARDING AN FRAUDULENT ACCOUNT APPEARING ON MY REPORT.
Product: Vehicle loan or lease

This is in connection with the resolution of my previous complaint XXXX dated XX/XX/2022 The earlier complaint was with regards to several months of delay in finally completing the end of lease purchase. The company sent me a mail asking me the compensation expected for the inordinate delay. I had mailed them the expected compensation through their secured mail as well as a normal email to XXXX XXXX who was coordinating with me on this case. After a couple of reminders and follow up, I am yet to hear from them nor have they sent me the compensation. 

I would like Mercedez benz compensate me as I had requested.
Product: Debt collection

I am filing to dispute the inaccuracies on my credit report with Equifax.
Product: Mortgage

I have had a horrible time requesting my PMI be removed due to substantial improvements. I initially attempted to fax my request on XXXX, which has yet to be received. I called several times and have been disconnected half the time. I tried calling in today and need help getting past their automated system as my SSN or loan number is not being recognized. When I chatted with an agent, they did not help me, said my request was still pending and to check tomorrow. I have now requested help through fax, phone, chat, and their messaging portal. It feels like it is drawn out and difficult to maximize the amount of months I am paying PMI, which I should no longer be. I am also unable to access my loan documents through the portal anymore.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS STATING THAT I AGREED TO THE HAVING ACCOUNTS OPENED. THE ACCOUNTS ARE FRAUDULENT. and further litigation will follow if accounts are not deleted.
Product: Money transfer, virtual currency, or money service

The Company that I work at is a small minority family owned business and was recently involved in a fraud scheme where our supplier that we routine do business with had their e-mail system hacked. The fraudster that hacked our business partner 's e-mail used the e-mail to request us to send our payment to a different bank account. Ownership/ Management of the Company that I work at believed this info from the fraudster and ACHed funds that were due to the bank account requested by the fraudster. In short, the owners fell prey to an phishing scheme and wired the funds via our Bank of America small business checking account to a fraudulent account on XX/XX/XXXX. 

On XX/XX/XXXX, ownership and the accountant of the family owned company uncovered the fraudulent request and immediately reached out to the bank where the funds were wired from, Bank of America. A formal claim was submitted to Bank of America less than 24 hours from when the wire was initiated on XX/XX/XXXX. We were informed by Bank of America that our claim was denied on XX/XX/XXXX. We have made multiple attempts to reach out to our bank representative at Bank of America to understand why the funds were not returned. As we have discussed with other banks, attorneys and law enforcement, funds from a wire or ACH can be reclaimed if sent under false pretenses and a claim is submitted timely.
Product: Credit reporting or other personal consumer reports

I got a report on my XXXX XXXX XXXX account that my score decreased because there was an inquiry and account was tried to be obtained and opened. When I tried to contact the company, the phone is disconnected. They sent me an email with an address I had about XXXX  years ago. The email had no way of responding to them, and only asked for me to provide my personal information to them via fax. This has messed up and lowered my credit score and I want this immediately removed from my credit report. I never made this inquiry and feel this company is a scam, or someone is trying to do something with my information. The inquiry hit my credit report yesterday on XX/XX/2024 and I got an email from the company today, XX/XX/2024 requesting my personal information. I spoke to a XXXX representative and was told how to go about this. The phone number they gave me for the company is disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Chapter  XXXX  filed   XXXX   XXXX     According to the Fair Credit Reporting Act, a  XXXX   XXXX  bankruptcy will be removed from your credit report after  XXXX  years.     However, the Credit bureaus ( except   XXXX    )  still report  XXXX   XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.
Product: Credit reporting or other personal consumer reports

I have called and sent my information to change my address no change. i will provide my information an upload it. This is crazy!!!!!! TransUnion is reporting nothing correct on my report.
Product: Mortgage

Did Wells Fargo pull a bait & switch by changing a 15-year mortgage to a 30-year mortgage at a higher interest-rate? Over the term of the loan, total interest payable was increased by {$160000.00}. It is a sad tale of nonexistent emails, lost documents, discovered exhibits, mysterious sentences, secret guidelines, disappearing taxes and bad math. Really bad math. Wells Fargo based its action on numerous misstatements of fact, having the effect of understating income and overstating debt in the critical debt-to-income ratio. More importantly, when Wells Fargo last month finally disclosed how it computed its final DTI ratio, it became apparent that the monthly amount it allowed for the 30-year higher-rate mortgage was more than sufficient to pay the 15-year lower-rate mortgage. Yet, Wells Fargo approved only the 30-year loan and denied the 15-year loan. While it is unclear whether Wells Fargo made these many mistakes out of intent or incompetence, it should quickly correct its now obvious error out of simple  fairness and to avoid acting in bad faith.
Product: Credit reporting or other personal consumer reports

I need these hard inquiries removed from My credit XXXXXXXX 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

XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Product: Mortgage

I received a loan modification 2013 which gave me a balloon payment I cant afford
Product: Student loan

I have received unwarranted collection for ( 2 ) student loans from XX/XX/XXXXthe company NAVIENT says it bought because we did not include in our CHXXXX  bankruptcy plan which was just discharged in last 30 days. How convenient, what a predatory company this is. 
I have paid all student loans and do not owe any which is why it was not part of the plan. 
They have sent several mailers with pay stubs and terms which show the last month of approved forbearance making this seem real but in fact nothing about this is real! 
I have in last 3 years pulled ( 2 ) parent loans through XXXX XXXX XXXX for my children college loans which would not be possible if I still owed on the same student loan program.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Product: Credit card

On XXXX/XXXX/XXXX at XXXX Eastern Time, a fraudulent transaction was applied to my credit card account with Citi . This transaction was from XXXX in XXXX XXXX. I called Citi within 1 hour of the charge and told them that I was not in XXXX XXXX and that I did not authorize any charges from XXXX. I am a US Citizen and have had my credit card with Citi since XXXX XXXX and never have I used it internationally. However, Citi did not block this transaction. When I called the customer service hotline and informed Citi 's representative that this was fraud, the representative cancelled my card and issued me a new one. On XXXX/XXXX/XXXX, I received my new credit card however the fraudulent transaction was still on my account. I called Citi again, in the morning, and spoke to a supervisor who then called XXXX, confirmed that the fraudulent transaction was indeed fraud and not made by me and then told me that the charge was removed from my card. When I checked my credit card account later that afternoon, the fraudulent transaction was still applied to my account. I spoke to another supervisor, XXXX from Citi 's Missouri office, and she was absolutely no help and very unprofessional. She told me that I would have to wait a week for the fraudulent transaction to come off of my account. This fraudulent transaction is for approximately {$750.00}. Because of this charge, my newly issued credit card is unusable and I have XXXX available credit. According to Citi 's customer service supervisor XXXX, I have to go without my Citi credit card for 1 week because of fraud that Citi refuses to remove from my account. Again, I have never used my Citi credit card internationally, I have never paid late, I have never been over my credit limit, but Citi 's internal controls did not block a charge that originated in XXXX XXXX and they refuse to remove the fraudulent charge, even though I reported it as fraud right away. This is absolutely ridiculous that I have a credit card that I can not use and Citi is penalizing me for ( obvious ) fraud. Citi supposedly offers XXXX liability for fraudulent charges but here is a case where there is obvious fraud and Citi will do nothing about it.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I entered into a loan agreement with Splash Financial, identified as loan number XXXX. 

Splash is not a licensed lender in the state of Indiana. They have a non-lender ( education ) license, number XXXX, originally issued XX/XX/XXXX ; according to the Indiana Department of Financial Institutions, a 'non-lender ( education ) ' license is NOT a license to offer lending services ( either commercial or consumer ).

As such, Splash Financial does not have, and never did have, a license to provide lending services in the State of Indiana. 

If that were not troubling enough, Splash Financial is not listed as a licensed lender in the State of Indiana on the Nationwide Multistate Licensing System. 

It gets worse : XXXX XXXX, the servicing company used b

y Splash Financial, is not a licensed lender/loan servicer in the State of Indiana. And, the bank used by Splash Financial - XXXX XXXX XXXX ( XXXX ), is ALSO not a licensed lender in the State of Indiana.

It would appear as if, at its base, the Splash/XXXX arrangement and loan issued to me was a subterfuge to evade Indiana licensing law.

I have suffered - and will continue to suffer - real and substantial injury as a result of Splashs illegal lending practices. Splash has been unjustly enriched as a result of its unlawful acts or practices at my expense.

Adding insult to injury, I contacted Splash via email ( pursuant to the terms of their loan agreement ) to seek a amicable resolution to this issue prior to seeking legal remedies ; Splash, however, continues to evade responsibility and refuses to acknowledge their illegal lending activities in Indiana.

Splashs ongoing behavior involving breaches of both state and federal law demonstrate their illegal lending practices, and damages therein inflicted upon me, are not isolated incidents but in fact are a pattern of ongoing unfair trade practices tethered to a willful disregard for consumer protection laws.

Please see the attached documentation from both the Indiana Department of Financial Institutions and the Nationwide Multistate Licensing System which verify the claims made in this complaint.

Splash must void their illegal loan made to me, return all payments I have made on that illegal loan, and remove any and all reporting of said loan from all my consumer credit reporting files/bureaus.
Product: Credit reporting or other personal consumer reports

you guys are getting my personal information without my consent which results immediate action towards the crime you guys committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX regarding their handling of a dispute I initiated concerning inaccuracies in how an account appears on my credit report. On XX/XX/year>, I mailed a dispute letter to Best Buy requesting an investigation into this account, specifically noting that it displays incomplete and inaccurate details on my credit report. For instance, the last payment date is missing from all three credit bureaus, and XXXX is missing both the high credit amount and the credit limit amount. Additionally, despite all payments being made on time, this account is being reported negatively. Due to these discrepancies, I requested the swift and permanent removal of this account from my credit report. I also included a copy of how the account appears on my credit report as evidence. 

In response, Best Buy asked me to provide a reason for my investigation request and to submit a detailed explanation and supporting documentation, which I had already included in my initial dispute letter. This redundant request was frustrating, as it appeared that Best Buy had either not reviewed or ignored the information I initially provided. On XX/XX/year>, I mailed another dispute letter reiterating my concerns and again included the errors I was disputing, along with the relevant portion of my credit report. To date, I have not received any response from Best Buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts for a year to XXXX on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing XXXX provide me with validation documentation of the reinvestigation not verification. I receive the same response from XXXX, verified with no valid documentations. XXXX willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, XXXX refused to delete the account.The account until today is being reported with XXXXwo different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX  XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations XXXX is continuing to report are astonishing. XXXX has hurt my credit and violating my rights according to FCRA laws & guidelines. XXXX is abusing the system, violating any laws or guidelines?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 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. 

XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b XXXX XXXX ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, TransUnion XXXX XXXX by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XXXX XXXX XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called XXXX today XX/XX/XXXXXXXX XXXX XXXX EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the law.