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

XXXX ) On or around XXXX XX/XX/XXXX Experian removed information from XXXX XXXX XXXX aka card ending XXXX in consumer 's credit file in response to disputes filed by consumer between months XX/XX/XXXX and XX/XX/XXXX in which consumer notified Experian that : a ) payment history for XXXX through XXXX was false and/or misleading and/or inaccurate ; b ) the Date of First Delinquency reported did not precede XXXX XXXX  alleges took place on or around XXXX XX/XX/XXXX. 
XXXX ) On or around XXXX XX/XX/XXXX consumer submitted another dispute for the item in XXXX ) notifying Experian that the XXXX reported was false/misleading inaccurate/incorrect and as such the XXXX XXXXatings and payment history for XXXX XX/XX/XXXX and XX/XX/XXXX needed to be removed. 

XXXX ) On or around XXXX XX/XX/XXXX Experian reinserted data for Account/Trade XXXX it'd previously removed on or around XXXX XX/XX/XXXX in XXXX ) above. 
Specifically data for months XX/XX/XXXX through XX/XX/XXXX, were reinserted with the same inchoate pattern as alleged by consumer throughout XXXX and XXXX, in which acct is alleged XXXX, then brought current, then allowed to advance delinquent, then brought current, then allowed to advance delinquent then XXXX  again. 

XXXX ) Repopulation of the data previously removed caused the consumer 's credit score to decrease by thirty-eight ( 38 ) points, which Experian 's own system states has caused the consumer 's credit rating category to drop from " fair '' to " poor '', causing consumer financial harm and emotional distress XXXX ) At least one ( 1 ) subsequent update period for the XXXX passed between XX/XX/XXXX and XX/XX/XXXX in which the data remained as changed on or around XXXX XX/XX/XXXX. 

XXXX ) Experian knows ( or has reasonable cause to believe ) the info reinserted for the account/tradeline on or around XXXX XX/XX/XXXX is false/misleading/inaccurate because Experian previously removed the data from the account/tradeline on or around XXXX XX/XX/XXXX. 

XXXX ) Any reasonable individual examining the account/trade as currently reported would conclude the account/tradeline contains serious errors that harm or are likely to cause harm to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor have I lived at these addresses.
Product: Debt collection

This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX  were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 accounts.
Product: Debt collection

Our subdivision changed trash collection companies so we closed out our account with XXXX XXXX and paid the balance in full. When I called XXXX  XXXX to ask why I received the collections notice they said that it was an error that went out to the whole subdivision on their part and we would receive a letter stating that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX  reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by phone in XXXX by XXXX XXXX with XXXX XXXX XXXX regarding a past due XXXX XXXX XXXX bill in the amount of {$1400.00}. I advised XXXX that I have never had an account with XXXX XXXX XXXX. She also informed me that the account was in my name and linked to an address in XXXX, CT, and I advised her that I have never lived in nor even been to CT. I thought that this was resolved as I never heard back from them. Then on XX/XX/XXXX I received an email from my credit monitoring service through XXXX that a " Major Derogatory Account '' and " New Account '' had shown up on my credit report. This time it is from Enhanced Recovery Company, and the charge is for {$11000.00}. On Monday, XX/XX/XXXX, Enhanced Recovery called me and I explained to XXXX XXXX that this was not my account and that this was fraud. She asked me to file a police report, which I did, and she said that she would email me a " fraud package '' which I have yet to receive. She had offered to postal mail the package to me and when I asked her where she was going to send it, she gave me the address in CT, and I told her " I just told you that is not my address, I have never lived there '', thus why I asked her to email it to me. i also had to give her my emails address four times, so I am unsure if she ever got it right. ( I will follow up via phone if I do not get the email by tomorrow ). I also contacted XXXX XXXX XXXX and filled out a fraud report on their website and I contacted XXXX to report it as fraud.
Product: Mortgage

I was in the process of refinancing a loan with Better Mortgage loan officer NMLS ID  XXXX. I had gone through all the steps to refinance my mortgage and was conditionally approved, after jumping through numerous hoops literally just formalities remained. They withdrew my loan with no notification!!! 

I was told several times that my loan was on track only to have new conditions added after every conversation, conditions which should have been either unnecessary or apparent upfront. 

In the end they stole my appraisal money and sent me an email saying that they wont transfer the appraisal to a new lender ... and if I want to refinance with them then I need to start the loan process all over again. 

Aside from being frustrated by their lack of communication, I'm upset that they took my appraisal fee and I have nothing to show for it. The fact that the loan didn't close was caused by their poor process and communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting a method of verification for inaccurate items that were claimed to have been verified. It has been almost a month and I have not gotten a response.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$2300.00} 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/XXXX
Product: Debt collection

This debt collector is trying to collect a false debt, which was a result of identity theft and the official company removed the debt from my credit report. But my report is now damaged from an invalid debt trying to be collect which was already removed and deleted from my report. The account was deleted on XX/XX/2022 but a debt collectors is claiming false debt now in XXXX which is damaging my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 i placed a security freeze with Equifax since my information was compromised including my social.I recently have been trying to get a car financed and I have recently attempted to remove the security freeze more than 6 times to no avail. I have called their customer service team on at least 6 occasions and each time i get excuse after excuse. I have been told it would take up to 5 business days. Well 2 weeks later the report is still frozen. So a company can compromise my personal info with poor security procedures but can not remove the freeze from my account in a timely fashion??
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. XXXX XXXX illegally and negligenntly simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report.
Product: Payday loan, title loan, or personal loan

To whom it may concern, On XX/XX/XXXX, I signed up for Carecredit with Synchrony Bank after the billing department at my dentist 's office recommended it. Neither the dentist billing person nor the Synchrony Bank salesperson mentioned that the no-interest promotion expires in 12 months. So I signed up for Care credit under the impression that it'd be interest-free and set everything up for auto-pay. I just found out yesterday, on XX/XX/XXXX, that I have been charged {$910.00} in interest when I have already paid it down to about {$1600.00} from {$2300.00}. I did not receive a mail, email, or phone call about the expiration throughout the whole 1.5 years that I have had Carecredit. I have vision impairment so I struggle to read fine prints. It felt very deceiving, dishonest, and frustrating. I would have never used Carecredit if I was adequately made aware of the 26 % interest rate after the promotional period.
Product: Mortgage

Set up a new insurance policy and paid the entire premium in full ( effective XX/XX/XXXX thru XX/XX/XXXX ). Advised the mortgage company ( Wells Fargo ) of this and they contacted the insurance company ( XXXX XXXX ) to verify receipt of payment in full. 
Requested escrow analysis to lower payment and was advised that they " still will collect funds for these future payments. '' I responded that this was absurd and I would not be paying double on an insurance policy and that my payment needed to be adjusted. 
This is not fair and I should not have to pay the mortgage company for insurance that has already been paid to the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX XXXXXXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Checking or savings account

I have a Huntington checking account ending in XXXX. The account is tied to my credit card that is also with Huntington.

If my checking account has a negative balance, there is a " cash advance '' that takes place making my account go positive. My credit card has and had availability of {$180.00}. That could have easily paid for a {$16.00} payment and {$19.00} payment. However, they did not let this feature take the course for no apparent reason and I lost {$75.00} in two NSF fees.
Product: Consumer Loan

it was an auto loan submitted in my name from bank of america, and it resulted in an inquiry in XXXX 2015, I called the number on my credit report and I called the number that was listed and the rep told me to take it up with the credit bureau, but the first start is to take it up with the creditor which is bank of america, it was shown on my equifax credit report. I did not apply for a auto loan, bank of america states they can not find that information, but it states an inquiry on my credit report. So since bank of america cant find the information and explained why there was an inquiry on my credit report. So i filed a compliant. i did not apply for a loan, i applied for previous auto loan but not another XXXX. So i decided to file a compliant. Nor did i obtain any goods.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 1692a ( 3 ) Credit Acceptance committing fraud and reporting false information to my consumer report.
Product: Payday loan, title loan, or personal loan

Constant barrage of emails that youre invited to apply, special access numbers, the allurement of XXXX just to apply. All the while knowing they dont have loans for minorities. Never have, never will.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas, XXXX XX/XX/year> EQUIFAX CREDIT BUREAU Dispute Department XXXX XXXX XXXX, XXXX, GA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigation. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX ( Flex Deposit TX ), XXXX, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( XXXX  ), AD XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX TX ) 2.Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigations. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expected written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

so I upgraded my card on XX/XX/XXXX there is a promotion that if I spend XXXX on the card in purchases I will get XXXX bounus XXXX  points I have been tracking for the whole 4 months and overtime been getting updates from the company. so I made the XXXX and I called and checked and know they come back and say XXXX purchases don't count which I didn't know and they never told me going back all the way to XXXX and the conversations I have had with the reps through the phone and in chat they have said they all now I only have live days left and they say I still have to make XXXX in purchases according the reps for the 4 months I have been tracking I already made the threshold they never told those purchases didn't count until it was too late if I would have known that I have don't things differently I want this XXXX points honored because I did spend over the XXXX and according to there for 4 months when I was tracking this everything was a fine I feel I misled by there reps and I want this honored asap its not my fault if I would have known I would have spend the money on the card diffently I never did any cash advances they are all purchases I made on the card. they never told me XXXX and XXXX XXXX did not count at all
Product: Debt collection

A customer service member from the XXXX company called me in XXXX / XX/XX/XXXX to indicate that I was owing a balance of {$470.00}. I responded that I was no longer living in the address and i moved out of the house several months ago. And that I am separated from my wife who was residing in the house at that time. I explained that my wife 's name was on the account and should be responsible for paying the amount owed. The staf member insisted that I was responsbile for the debt because I was the primary account holder. So, I had no option than to include the amount owed to my total debt with the credit repair company working with me. In XX/XX/XXXX, I consulted with a customer service meber of my repair company and indicated that I would pay {$100.00} out of the settled {$200.00} owed to XXXX and this month, XX/XX/XXXX, I paid the remaining balance of {$100.00}. So, I was surprised to note that Wayresgrp collection agency indicated that I am owning the full amount of the debt ( {$470.00} ) even though i have paid it off. This action has adversely affected my credit score. I do not know the rational for this action than to see it as a punitive measure by this collection agency to damage law abiding citizens credit scores. This is sad because the report in this case is grossly inaccurate and misleading. I would appreciate if you could please investigate this injustice by this collection agency which unfairly tarnish credit scores of law abiding hard working citizens like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corporation made a late payment report to all credit bureaus in XX/XX/2019. 

XXXX XXXX : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXX XXXX  with the promise of payment date for XXXX  XXXX. 

XXXX XXXX : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. 

XXXX XXXX : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. 

XXXX  XXXX, XXXX  : payment for {$700.00} was made in agreement with the extension. 

I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. 

When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. 
Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. 

I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.
Product: Debt collection

I have received several phone calls from this one company. Yesterday, they call my personal cell phone and today my home phone. When I returned the call, whomever answered identified themselves as client services. I asked the name of the company and was told the name of our company is client services. I realized this was the same person that contacted me the prior day, so I again asked what the nature of his call was. He asked if he could speak with XXXX XXXX. So, I asked if he was looked for XXXX or XXXX and again asked what the nature of his call was and asked him to identify himself and again state the name of his company. I was then informed that they will just move forward with legal action will see me in court. 

Client Services phone number is XXXX
Product: Credit card or prepaid card

Creditor : Target Red Card Issue : Fraudulent activity on account ( I've been on autopay since XXXX because I enrolled in their debt relief program which automatically enrolled me in a payment play to pay {$64.00} a month for 9.99 % APR until I paid off the credit card ). According to Target, there was an unauthorized approval from their end to cancel my debt-payment plan, I asked for a copy of my updated service agreement, and they refused, they reported inaccurate information regarding a late payment I was never alerted about to all three credit bureaus, they were unwilling to work with me and transferred my call to multiple departments with no help, I had a copy of the original credit card agreement in front of me, and they straight up lied about what their policy is, my total credit line amount decreased from $ XXXX to $ XXXX, my APR % spiked, and my monthly pay almost tripled than what I could afford. 

In week of XX/XX/XXXX : Called Target, and they were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA pursuant to section 605B and are outright refusing to uphold the law.
Product: Debt collection

We contacted the company for move out requirements, we were told we didnt need to do certain things to move out such as clean carpets because they have to replace them anyways. We asked several times about this to ensure we would not be charged. We moved out, they charge us for all the stuff they told us we wouldnt be charged for. We called several times to listen to their phone calls because they are recorded, several people were supposed to cal us back. They never called us back and cut contact with us and then we were notified we have collections on our credit report. We were more than giving with this company, I was XXXX  and we had mold in our kitchen and the kitchen was under construction to fix it. We spent XXXX months without a kitchen and cooling off the outside because of holes in the wall from construction. They broke the black marble countertop during construction and glued it back together with white glue. We had several leaks from bathrooms where we needed reconstruction and they would take forever to fix. This agency does not fix problems they try to bandaid problems which causing bigger problems. This is all on top of this credit issue now which we still can not get a call back from them on that.
Product: Student loan

They took my refund due to my student loans but I applyed for IDBR and it was approved on XX/XX/2018 so I thought that my loans were out of default and I am applying for a hardship because me and my XXXX children are being evicted, I have a shut off on my water and my d.p.l is about to be shut off. And I am no longer employed