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

Unauthorized credit inquiries on my report. XXXXfrom XXXX XXXXXXXX of XXXXXXXX XXXX It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife opened a credit card on line with my name and used the max credit Ans did not tell me until we got divorced. Ans she used my checks to pay the credit bill so bank is telling me its my problem I need to have XXXX removed it is causing a lot of problem for me. Its still with XXXXXXXX XXXX  not a collection agency. Ans account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address of XXXX XXXX XXXX on my credit report. I have informed the company multiple times and provided documentation to prove where I live and the correct address. They refuse to take it off. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are accounts showing on my XXXX XXXX, and I am not aware of this information and fraudulent information is being reported and I would like this information removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. 

On XX/XX/XXXX, I was told by a member of the Dispute Team, named XXXX, that my fraudulent charge claim was denied because they show that I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I maintain that I received no such code and that the transaction was never authorized. I can provide proof of this through my test message listing through XXXX and screen shots from my phone.
Product: Credit card

On XXXX XXXX 2017, I went in person to the Chase Bank Chase located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX in order to pay off and close my Chase XXXX XXXX Credit Card. I clearly expressed my intention to close the account to the teller and requested the full amount to pay off the account, which I further stated may be a different amount than the account balance. I was given an amount of {$14000.00}, and I wrote a personal check for that amount. The teller stated that in order to close the account, I would either talk to a personal banker in the branch, or call card services. There was a long line for the one personal banker, so I opted to call card services. 
I placed the call the same day, approximately an hour after leaving the branch. I stated my intention to close the account, I was offered {$200.00} cash incentive to keep the account open which I declined. Once I was assured the account was closed I ended the call. 
On XXXX XXXX I answered a call that caller ID recognized as Chase Bank. 
When I answered the call, the call was immediately terminated by the caller. I was puzzled by that call and on XXXX XXXX I went in person to the Chase Bank Branch to verify the account was closed. The teller verified the account was closed, and gave no other indications to me. 
On XXXX XXXX 2017, I received a letter from Chase Card Services stating that my account was past due and that I needed to pay {$290.00} in order to avoid additional late fees. There was no break down of the charges/amount in the letter. This was the first indication that I received from Chase that they had made an error and that somehow I was expected to pay for it. I called the XXXX number and spoke to two separate customer services representatives stating that I wanted the amount cleared, and that I felt that I should NOT and would NOT pay the fee or penalties for a mistake made by their personnel. 
I would like CHASE Bank to correct the issue, and send me verification that my account is closed, and further that no further fees, interest, etc will be charged. Additionally, I would like CHASE to verify that no negative remarks or information regarding this is reported to any credit bureau.
Product: Credit card or prepaid card

I recently logged into my credit card account and noticed that I was being charged a late fee the same day as my automatic payment was processing for the minimum due. This has happened for several months. I called and asked about why this is going on and the agent said I was set to a fixed amount and that because of that late fees were coming now due to a different minimum being due. I stated that none of my other accounts with them are having this issue, neither is my auto loan with the them. I asked for the fees and any interests to be reversed and offered to pay whatever the new claimed minimum is. Agent said there is nothing she can do except wave one fee.
Product: Debt collection

Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed   XXXX   under my credit bureau by  XXXX  different companies which is   XXXX   XXXX   as well as capital one.   XXXX   XXXX   reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$230.00}
Product: Debt collection

XXXX XXXX XXXX got new management. The new managers had wrong statements about tenants and reported incorrect information to collection agencies. The collection agency and apartment agreed to delete the collection information from my credit report because I do not owe them anything. The collection agency deleted the information from my XXXX report in 2019 but did not update the information on my XXXX and XXXX  reports and are now refusing to delete the information after multiple disputes, evidence and requests.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts that have been reported as charge-offs on my credit report : XXXX XXXX FIN XXXX XXXX XXXX XXXX DATA IN Under consumer law, specifically the Internal Revenue Code Section XXXX, a lender or creditor is required to issue a XXXX form to the borrower when a debt is canceled or forgiven in an amount of {$600.00} or more. This is for the purpose of reporting the debt as income to the IRS. However, I have never received a XXXX form for any of the listed accounts, which indicates that the charge-offs reported on my credit report XXXX not have been handled in compliance with the law. 

According to the Fair Credit Reporting Act ( XXXX  ), if the information reported on my credit report is inaccurate or incomplete, I have the right to request that it be corrected or removed. Since these accounts have been reported as charge-offs without the necessary documentation ( the XXXX ), I am requesting that these accounts be removed immediately from my credit report. 

Please investigate this matter and provide written confirmation of the account removal within XXXX  days, as required by law. 

Thank you for your attention to this issue.
Product: Credit reporting

i am a victim of identity theft and while I was incarcerated, someone stole my personal information and identity and applied and opened up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report is unauthorized and fraudulent : 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, & # XXXXXXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX, XXXX # XXXX & # XXXX
Product: Credit reporting or other personal consumer reports

I have no open accounts with these companies. I have not given written consent for my personal information to shared any business purposes and I not provided my wet signature to conduct any form of business with these companies listed : 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 XXXXXX/XX/year>
Product: Mortgage

Truist is sending me bogus letters related to insurance. They failed to pay my insurance and I ended up paying. I paid a {$45.00} fee for a gap in insurance. I reinstated my insurance on XX/XX/XXXX. The gap was XX/XX/XXXX- XX/XX/XXXX. So as of XX/XX/XXXX, I was covered. 

On XX/XX/XXXX they sent me a letter saying that I had no coverage and they were taking out coverage and charging me {$900.00} for this coverage. This makes no sense since the insurance coverage was solved on XX/XX/XXXX and the letter was issued XX/XX/XXXX. Additionally, I talked to them on the phone in early XXXX to pay the {$45.00} and make sure all was correct and accurate. 

In the letter, they sent they listed an old phone number that does not function correctly. it leaves customers in an endless loop where you can't get in touch with a human. The wrong number they listed on the letter XXXX there is no way to talk to a human from this number. Ins spite of trying all the menu options to get to a human I kept getting cut off. I spent several hours trying to get through. I ended up calling 4 other XXXX numbers for Truist before I got a human. That person ( in mortgages ) was able to get me a functioning phone number. She explained to me that the letter was 'system generated ' and that is why the number did not function correctly. How can they send out a letter that has a useless number? 
the new number she gave me was XXXX My primary complaint is that Truist makes communication near impossible for any normal person with work they need to do during the day. It is very costly to take half a day off of work to spend time trying to get through by phone. 

In the end, I finally got a human and they confirmed that the letter was in accurate. They have my insurance information there is no additional {$900.00} to spend. I lost my entire morning chasing this information down. How do they get fined for creating such duress and needless lost of work time and wages for me to solve a problem they created? 

How would this work for a single mother with shift work where she could not take time off to call Truist to find out they sent a bogus letter?
Product: Student loan

An application for SAVE IDR was submitted the first week of XXXX and I received notice that it should be completed in about XXXX weeks and that I would receive updates on the application status every XXXX days. I was notified that due to the increased number of applications, processing time would take longer than expected, however, no timeline for the expected decision on the application was provided. Due to an over two-month delay in processing of my IDR ( SAVE ) application, my loan payments were placed on administrative forbearance and continued to accrue interest. While it was expected that interest accrues during the first month payments began in XXXX the delay in processing has resulted in three additional months of accrued interest, totaling {$6900.00}. I have emailed Nelnet and spoken to a customer service representative regarding this and was told I would be responsible for the additional months of interest while the IDR application was being processed. I was also told that due to Nelnet and federal agencies not having an adequate number of employees after budget cuts, the processing times for IDR applications took longer than expected. The poor planning on behalf of Nelnet and the federal government should not make me accountable for the additional interest that was accrued as a result. My application was submitted in early XXXX and I expected to be making payments in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent account in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Experian. Also I have sent my FTC report to them but still nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$19000.00}
Product: Checking or savings account

I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reinvestigated my credit report, I discovered that some of the accounts were erroneous. The XXXX credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called quicken loans on XX/XX/XXXX to get pre-quailfied for a home loan. I explained that this is going to be an investment property and I was needing a loan for {$80000.00} I told him my whole plan and he said let 's pull your credit. 

He pulled credit report and said everything looked good with you and your wife but, unfortunately we can't lend out that amount for an investment property due to it being too little. They would not go less than $ XXXX. I disputed my credit inquiry and they came back and said that we would give you {$75000.00} but unfortunately your wife 's credit is to low. 

Quicken loans is coming up with every excuse on why we are not approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is info with a accounts that are inconsistent across all CRA 's with a couple of accounts including starting dates and past balance due.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the non-compliance of Equifax, XXXX, and XXXX with regards to inaccurate reporting of my personal information. Despite my repeated attempts to address this issue, they have failed to rectify the situation. 

In my previous correspondence with Equifax, XXXX, and XXXX, I have clearly stated that they are reporting incorrect variations of my address. This has resulted in embarrassment and confusion for me. I have provided them with the correct and legal versions of my personal information, including my full name, current address, date of birth, Social Security Number, and employer details. 

The incorrect addresses that need to be deleted from their records include XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX XXXX XXXX XXXX, NC XXXX XXXX Additionally, the employers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX need to be removed as they are inaccurate. 

I am deeply concerned about the potential negative impact this inaccurate information could have on my future employment and creditworthiness. It creates the false impression that I have been residing at multiple addresses simultaneously, which is not the case. This could harm my chances of securing employment or obtaining credit. 

I have enclosed copies of my driver 's license, social security card, and utility bill as proof of my identity and correct information. I have made multiple attempts to resolve this matter directly with the credit bureaus, but they have failed to take appropriate action. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance by Equifax, XXXX, and XXXX. Their inaccurate reporting not only violates the Fair Credit Reporting Act but also puts my financial reputation at risk. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has not been reporting my payments to my credit bureaus and it has impacted my credit sore significantly. I would like them to report the monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with Navient. When I tried settleting the credit by calling their number directly shown on the website, it send me to a recover credit agency which tried to settle the account with me. I negotiated a payment plan which they advised that would bring my account current and stop the reporting on my credit. Yet, it has been 1 year, Navient still reporting my account past due and deliquent - I contacted them they advised that the account is shown settled but there is nothing they can do about the credit
Product: Debt collection

As of XX/XX/XXXX of last year I started getting emails and phone calls, obvious spam and would delete and block the emails and ignore the phone calls and voicemails. By XX/XX/XXXX of 2023 XXXX XXXX has said that I owed a debt of {$150.00} and later on with no date added an additional {$28.00} in fees. This is impossible because I'm under my dad 's XXXX XXXX account and have never had a XXXX account and no one in my family does as well.
Product: Credit reporting or other personal consumer reports

Who handles this? Im tryna get a car, and yall put this dispute comment on my account. Now Im stuck, and I need yall to remove it now. Why yall always doin this to people? This situation is wild.