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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protections Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor disputed items dispite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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.

15U.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.
Product: Debt collection

I have two collections from XXXX since XXXX and I had provided them with all documents reflecting that it was a fraudulent account and they havent done anything to remove the collection from the credit bureau. I had sent multiple times all documents including police report and proof of address at the time and no one has reached out. I spoke to another manager today and sent the manager from XXXX the full lease from XXXX and XXXX as well as the affidavit police report and still cant get anyone on the phone to confirm they received the items. I had called customer service and they told me that the account is locked by the XXXX. I need for this matter to be resolved and removed from my credit report. I cant even rent a place because of them. Attached are all the files showing where I was residing at the time the lease in question was signed, which it shows that it was a fraudulent account.
Product: Credit reporting or other personal consumer reports

MOHELA, my private student loan servicer, has presented one problem after another since the beginning of our financial relationship approximately fifteen years ago. Most recently, and most problematic, ( after many hours spent on hold trying to reach someone ) I had a conversation with a MOHELA representative on XX/XX/XXXX and again on XX/XX/XXXX at which time an agreement was made to remove all prior late payments reported to the credit agencies as it was the major factor in my troubles attaining a mortgage. I asked to receive this information via mail since I'd experienced so many problems with them in the past. No letter was ever received and the stated information has not been removed from my credit report. In frustration, I then disputed the account information with the credit bureaus ( XXXX, XXXX, and XXXX ). MOHELA responded with a denial after 25+ hours on the phone and multiple assurances the information would be amended. 
At this point, I am beyond upset with the service I have received from them over the years. The above is one example of multiple inaccuracies I have encountered with them over the years. When I call to check in on the process, I'm told no record of such phone calls even exist. They have been the cause of many tears and setbacks in my life and I feel I have nowhere else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I wrote to XXXXXXXX XXXX about a hard squire on my Equifax report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote Equifax and they advised me to contact XXXX XXXX  I called XXXX XXXX they advise me to contact Equifax.!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from XXXXXXXX XXXX and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you
Product: Mortgage

I applied on lending tree to get information on a home loan. I requested that Loan Depot stop calling me twice via phone calls. I'm on the do not call registry, I double checked after I told them to stop calling.. my number has been on it since XX/XX/XXXX. I told them Yesterday at  XXXX Eastern time and XX/XX/XXXX at XXXX Eastern time to stop calling. 

Between the first time and the second time i told them to stop calling they have called on XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time After the second time ( last night at XXXX ) they have called me again this morning at XXXX ... i'm sure i'm going to get 4 more calls today. They can't just keep calling me after I ask them twice to stop, right? This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened up this credit card in 2008. I have never been late on a payment. The majority of this debt was consolidated date because I had a 7.79 percent rate on this card. I always paid double the amount of the min payment. This last year I have been working hard to get other debt with higher interest rates paid off so I reduced my payment to the minimum on this capital one card. My payment was {$250.00}. I went out of town for a period of time in XX/XX/XXXX and XX/XX/XXXX and my bank makes the payments automatically. Unbeknownst to me the min payment went up {$3.00}. So in XX/XX/XXXX they received {$250.00} instead of {$250.00}. In XX/XX/XXXX ( I was out of town and did not know it was {$3.00} short ) They received {$250.00} instead of {$250.00}. I got back and realized they have raised my APR from 7.79 % to 24.99 % over a shortage of {$3.00}. I called and asked them to reduce it back considering my history of never being late and simply because it was not ethical to raise the APR to 24.99 %. I will never get out of debt paying this rate. I spoke to XXXX different people over a period of 3 hours. The last person XXXX ID # XXXX basically said she knew and understood what had happened and she knows what I want ... to have the rate lowered back to the original..but she WAS NOT DOING IT. It is not a matter of the dollar amount agreeing that {$3.00} was a meager amount to be short but rather that I was short twice and that it was not worth saving a good customer over {$3.00}. She was a horrible customer service rep. I wonder if Capital One really does not value good customers as she portrays. I want the interest rate reduced back to what I deserve having always paid on time. I was not " Late '' on a payment I was short {$3.00}. That does not warrant raping me financially. I owe Capital One {$15000.00}. They stand to make a lot of money over a {$3.00} mistake and this should not happen much less be legal business practice.
Product: Debt collection

I found out through my credit report that there is a collection from XXXX XXXX XXXX for a medical collection from XXXX hospital. This bill was for my son who is XXXX years old and is XXXX. I contacted the collection agency because I had started a payment arrangement with the hospital itself immediately after receiving the 1st bill. The hospital stopped ticking the funds from my bank account for no reason. I call the collection agency in explain this I even offered to borrow funds from a family member to settle the account but I only hide half of the balance at my disposal. They refused to do any settlement on the account and they said they would continue to report the account of the collection to my credit report. They also said that even if I started on a repayment plan as I originally had with the hospital it would still report me negatively to my credit report. 
Having a special needs child on the XXXX XXXX it's very difficult especially because insurance doesn't cover the majority of any emergency expenses such as his. We were a charge over {$13000.00} just for a one and a 1/2 day stay at the hospital and the insurance covered a portion of it and we were responsible to still pay {$3600.00}. We do not have those funds and have attempted every possible option to avoid this impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous hard inquiries on my credit report from XXXX XXXX XXXX XXXX and capital one. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.
Product: Mortgage

Since the day Truist bought Suntrust I have had problems almost every month. I NEVER had a single problem with Suntrust until this. 

I continually get accounting inaccuracies, threatening mail indicating I owe more than I do, confusion over my payments, flow days. I am told almost monthly I owe more than I do since my payments are almost never acknowledged. 

Customer service has been hostile, rude, vindictive, hard to understand, unable to process basic XXXX and many times just hangs up. 

Last time I had a problem like this it was with XXXXXXXX XXXX. Later they later failed as a company with all 50 attorney 's general filing a Complaint. 

This company appears to have the same attitude, disregard and violent attitude towards clients. I owe a miserable XXXX XXXX and like last time have NEVER been 30 days late or even close but they continually act out in this manner. 

I have written them and/or called them dozens of times to no avail.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Debt collection

It did not allow me to check everything they did wrong. However I will start by saying Commonwealth Financial Systems is a pathetic excuse for a company. The employees that represent this company are the most ignorant and hateful beings I have ever had the displeasure of speaking with! I was appalled by the lack of professionalism they presented. I was not told of the so called " Mini Miranda '' notice at the beginning of my call when I spoke to a Specific representative this rep was XXXX of the worst and I have her name and reported her which did no good I am sure. Aside from all that when speaking with this specific rep I was so hurt and disgusted by her attitude I asked to be transferred to a manager high than her she REFUSED! stating that she will take care of me I asked multiple times to be transferred she refused every time finally I hung up and just asked to be transferred to someone besides her. On another note I do not owe this debt I have received absolutely nothing in the mail prior to it being sent to collections and the debt is from 2009 in my state of KY the statute of limitations has expired yet they continue to bother me. I also asked for an itemized bill because I wanted validation of the debt before I even think to pay a penny. They " requested '' it over a month ago and still nothing has been sent to me. I have never in my life been so mistreated by any company! It is my understanding that if you represent a company one would think there would be at least a small amount of respect exchanged by the employees to the consumer. I received nothing but unanswered questions hateful and insulting behavior from the representatives and a clear understanding of who not to be as a human being. I would never speak to any individual or treat any XXXX as they have treated me!
Product: Credit reporting or other personal consumer reports

I had a past due balance of {$210.00} with a company called Sezzle that extended credit to me. This past due balance of {$210.00} was showing up on my credit report. On XX/XX/year> I was able to save some money and pay off the debt, and was directed to send payment to the collection agency XXXX. XXXX does not own the debt nor do they report the debt to the credit bureaus, but are hired by Sezzle to collect on the debt on their behalf. Sezzle still owns and reports the debt. I paid the balance off and settled the account with XXXX on XX/XX/year> and they assured me that they will inform Sezzle that my balance is paid off. I waited almost 4 months for Sezzle to remove the debt off of my credit report on all 3 credit bureaus and they have not yet done so. The last time they reported to the credit bureaus was on XX/XX/year> when I did indeed still owe a {$210.00} balance. I have called and emailed with Sezzle and XXXX multiple times over the past 4 months to settle this, and have received XXXX support or sense of urgency to correct this issue. I even filed a dispute with XXXX and the dispute came back with absolutely no changes even though I attached screenshots of emails from XXXX confirming that the balance is paid off and that my debt isnt valid any longer. Sezzle needs to remove this from my credit report immediately as it has been almost 120 full days since theyve received payment from me and they are ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to open a Kia Motors Account. I learned of this account when a credit monitoring service notified me of the negative reporting. I didn't open this account, nor did I authorize anyone to do so on my behalf. The account was opened fraudulently without my authorization. Please see the attached FTC report and my Dl and remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my home XX/XX/2015. I've never been late making my mortgage payments. All my accounts have been paid on time. For the past four years my FICA score seems to be frozen. At the time I purchased my home my score was XXXX. For the past XXXX years my score has been XXXX. 
XXXX years ago I hired a credit repair company to help me raise my score. I paid him {$500.00}. After one year nothing happened. Later I thought I would hire a professional credit repair company named Debt Solutions Service. I paid them {$5600.00} after XXXX year nothing happened. Again, I heard of XXXX XXXX. I hired XXXX XXXX and paid them {$14000.00}. After XXXX XXXX years my score was still around {$580.00}. So, I decided to try to correct my own credit score. I contacted Equifax they had me do a number of transactions to help me raise my credit score. First, they had me send letters to all my previous accounts. Equifax had me send them documents showing that I've paid off my car and show that I paid off XXXX on my student loans. After XXXX XXXX years my score is still around XXXX, they had me to do a number of transactions which was file disputes on my credit report, correct errors on my credit report. They had me gather all my documents and send copies to the customer service department which I did. Fourth, when I called. The representative acted like there in training. I asked them a question then they put me on hold for a long time. When they returned they couldn't answer my question. I told them I mailed the documents return receipt. He replied he doesn't know what happened to my documents. I asked to speak with a supervisor and asked him the same question. He also said he doesn't know what happened to my documents. they both told me they would get back to me with an update. Well, of course they didn't call me back. I'm asking you to help me with this agency. I've also contacted XXXX credit Bureau and XXXX credit Bureau to file dissatisfaction with them. 
The reason I want to adjust my focus score is because when I purchased my home. I had a 4.6 % interest rate. I could not take advantage of the XXXX and 3 % rate that I was eligible for. All three reporting agencies cost me many thousands of dollars because of their incorrect reporting I would appreciate some help with XXXX to correct my credit score. This year I need to buy a car and apply for a second mortgage. I don't want any problem getting financed. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted dispute letter to XXXX, Experian, and XXXX using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. XXXX stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting XXXX to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. XXXX wrongfully reported the information without any consent or verification from myself or the Court of Record.
Product: Credit card

My Citi Dividend credit card APR was raised from 9.99 % to 12.99 % after Citi had given me written notice to opt out of this increase. The increase was due to financial problems in the country. The notice stated since I accepted the increase by not opting out my APR would go to 12.99 % for only future balances. However it also stated that previous balances before opt out would continue at 9.99 % but Citi charged me 12.99 % APR for my whole entire balance, including the previous balance which was supposed to stay at 9.99 % as stated on notice. Basically over the years I paid 3 points more for past balances even though it should have stayed at 9.99 %. How do I go about addressing this discrepancy? Thank you very much for your time. XXXX email : XXXX
Product: Credit reporting or other personal consumer reports

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities.

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Product: Debt collection

I received a phone call from, +XXXX ( XXXX ) XXXX-XXXX  today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was XXXX XXXX and they have no record of me on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A XX/XX/XXXX XX/XX/XXXXACCOUNT ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO BUT IT NEEDS TO BE REMOVED FORM MY REPORT. I DID NOT BENEFIT ANYTHING FROM THIS ACCOUNT NOR DID I EVER MAKE ANY PAYMENTS TOWARDS IT.
Product: Checking or savings account

My name is XXXX XXXX and I have been a victim of identify theft for over 8 years. However, within the last year, I have had theft of my savings account with Wells Fargo. I filed a claim with Wells Fargo regarding unauthorized XXXX charges from my savings account that began on XX/XX/2022. I do not have any active XXXX accounts and not sure how someone has tapped into my savings account to pay their XXXX bill. I have had over {$40000.00} in my Wells Fargo account and wasn't aware of the unauthorized fraudulent charges until XX/XX/XXXX. 

I tried to appeal the claim decision with Wells Fargo 's identify theft department and to further investigate the unauthorized charges how someone received access to my savings account and have been paying their XXXX bill using my savings account since XX/XX/2022. Wells Fargo inadequately investigated my claim and made a decision without contacting XXXX. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXXXXXX XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXXXXXX XXXX XXXX XXXXXXXX, was reported. These accounts were not opened by me, and I did not authorize any transactions related to them. 
Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. ''