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

Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, requires us to eliminate any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX and EquiFax about my credit score dropping a significant amount when my student loans were transferred from XXXX to XXXX. When I tried to contact the company as to why my score dropped such a significant amount while my loans were the same, they said they don't have any authority to check my credit report or tell me why it went down.
Product: Credit card

Consumer processed a mobile ( phone ) ticket transaction on XX/XX/, for an event believed to be with XXXX, but was instead through a boxoffice outlet/reseller who overcharged for the event. This reseller was XXXX  with a charge showing merchant as XXXX XXXX. Consumer saw the extraneous service charges added, so contacted XXXX customer support to try to cancel the transaction. This merchant would not allow cancellation and referred consumer back to the terms of the purchase. Representative was unhelpful with a XXXX  sounding accent. Tickets were transmitted through XXXX, but consumer did not accept tickets as he already tried to cancel and then submitted a dispute with American Express for the transaction. American Express investigated and concluded they would credit the amount. However, Amex later reversed this credit, letting the original charge stand. Consumer called Amex again on XX/XX/XXXX  to request re-opening this investigation and they advised that they should have an answer on this dispute back by XX/XX/.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was devastated to see incorrect accounts listed, and I have no clue where they came from. Ive always reviewed my report regularly without issues, but out of the blue, these inaccuracies appeared. I refreshed my browser, thinking it was just a technical error, but the problem didnt go away. Im pleading for the documents I provided to be examined thoroughly so I can finally have peace of mind about this.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX Account # XXXX XXXX. XXXX, Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 I submitted a dispute to Experian regarding the XXXX XXXX XXXX account that is reporting. Experian stated the account was valid. on XX/XX/19 I requested Experian provide me with the details on how they validated this account. Experian has not provided me with the details on how they validated the account. Experian is in violation for not providing me with the information I requested. 

I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. 

So clearly this account was never validated and can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is a $ XXXX medical debt through XXXX County reporting, cost is unknown as the financial department was to take care of the remaining balance years ago. I have disputed this account and nothing was ever investigated or provided to me. This is inaccurate. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My home was completely devastated during hurricane Florence leaving the house uninhabitable with no roof, no walls, no floors, no electricity. The insurance company has authorized a limited amount of time where they will pay temporary housing and that goes month to month and could end at any time. It has been almost four months since the storm and little progress has been made on the house mostly due to slow insurance settlements, however, now that the insurance company has began issuing checks, Navy Federal Credit Union is not releasing the funds in a timely manner. 

The checks issued by XXXX  XXXX  XXXX XXXX are written to my wife and I, and the mortgage company, Navy Federal. My claims specialist at Navy Federal is XXXX XXXX and the incident number is XXXX. Her phone number is XXXX XXXX option 1. On XX/XX/XXXX I sent XXXX XXXX a receipt where I paid XXXX dollars in cash to a tree company to remove a tree that was through the roof of my house and wrapped up in a powerline. The insurance company approved this amount and verified that the receipt I provided was enough for them to release payment to reimburse me for my out of pocket expense. XXXX asked me for more proof that this money was spent such as a withdrawal from a bank which I did not have as this was cash my wife and I had saved for a rainy day, such as a tree crashing through our roof during a hurricane. The roof has been repaired as verified by insurance inspectors and county inspectors, which would not be possible if the tree that I paid to remove was still through the roof. XXXX XXXX has offered no further guidance and will not even respond to emails I have sent asking about reimbursement. 

On XX/XX/XXXX I sent a cashed check receipt from my bank for labor I paid the contractor working on my house in the mount of XXXX dollars. Again, XXXX XXXX has not issued payment to reimburse me and is not responding to my emails asking about repayment. I have called the number provided and been told on multiple occasions that " she's not on the phone today '' presumably meaning that she is working but not accepting phone calls. No one else that answers is able to help me. There seems to be no recourse of action and no one to talk to. I have received no explanation as to why or when I will get my insurance money that I have provided receipts for. This is now XXXX dollars that was sent to me by my insurance company that Navy Federal has just kept.

We lost almost all of our belongings in the hurricane, spending a couple weeks homeless. The expense has been tremendous. I do not have money or faith in Navy Federal to repay me any longer and there is no one being held accountable in their insurance claims department. The insurance company can stop paying our housing allowance at any time, putting us back on the street. We have made all of our mortgage payments to Navy Federal for a house that we can not use and a house that they are getting money from insurance for but is still uninhabitable largely due to their inability to repay us.
Product: Bank account or service

My account was closed after a check for {$100.00} did not clear. It was not presented a second time. When an attempt was made to take care of the overdraft using a second account ( business account ) at the same bank, I was informed they were closed. I had also received a letter from the bank telling me to not do anything further on the accounts. At which time I did not. On XXXX/XXXX/13 Fifth Third bank recklessly reported " suspected fraud '' but gave me no indication this would be taking place. I was previously working with the rep " XXXX '' in their fraud department who asked for a copy of the letter stating not to take any actions on the accounts in question. This document was supplied and I have had no contact with Fifth Third or it 's representitives since then and the remark is still listed.
Product: Credit card or prepaid card

I filed a previous complaint in XX/XX/XXXX ( Complaint # XXXX ) for a payment in the amt of {$6100.00} that I made on XX/XX/XXXX during the time of their " upgrade '' that they alleged was missing. I began with filing a dispute with them in XXXX and sent them the Electronic Transmittal form in their secure message system XX/XX/XXXX & the same documentation again on XX/XX/XXXX per their request. They closed the dispute on XX/XX/XXXX stating they didn't receive the documentation & then reopened the dispute on XX/XX/XXXX. We resent the same documentation again & they wanted an additional 90 days. They sent a XXXX  dated XX/XX/XXXX still stating they didn't have the documentation. The 60 days response to the previous complaint was due XX/XX/XXXX. I receive a letter dated XX/XX/XXXX that they located the missing payment of XX/XX/XXXX in the amt of {$6100.00}. They also stated they previously credited the late fee & finance charges that were assessed in XX/XX/XXXX. However, they failed to credit the finance charges on the other 5 months up until XX/XX/XXXX. A total of {$780.00} in late & interest fees accrued however the only credit I received was {$260.00}. Total still due is {$520.00}. I spoke w/ XXXX XXXX ID XXXX ) XX/XX/XXXX who agreed the credit wasn't issue at the time the dispute resolved & provided me w/ confirmation # XXXX & stated my credit would be issues in 48-72 hrs. I called on XX/XX/XXXX to find out that on XX/XX/XXXX the credit was deleted. The total amt due on my XXXX statement is {$840.00} which is {$320.00} in new charges & XXXX in interest. I will be paying by due date of XX/XX/XXXX to avoid any further interest charges. During the 6 billing cycles following this dispute, I paid my entire balance on new charges as I have since I have been a customer, I never carry over a balance. The only charges I didn't pay was the disputed missing payment of {$6100.00} and the interest charges from XXXX XXXX XXXX and the late fee of {$30.00} in XXXX. Attached our the interest charges, credits & monthly payments.
Product: Credit reporting or other personal consumer reports

XXXX  account is reporting inaccurate information which is contrary to FCRA requirements.
Product: Mortgage

Received XXXX denial letters, XXXX for XXXX XXXX XXXX & XXXX ; the other for inhouse modification, dated XXXX XXXX, 2016. The letters stated " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' This means that it is a denial based on investor restrictions. XXXX XXXX interpretations of the loss mitigation rule clearly state that this type of denial reason, without informing the borrower of the type of restriction, is not sufficient. 
The next paragraph in the denial for XXXX XXXX XXXX is also inconsistent, since the following paragraph beginning with, " Based on the documentation you provided ... gross income which is calculated as {$4900.00} ... '' suggests that the denial reason is XXXX negative but on the next page, ASC says the denial was not based on NPV analysis and your appeal can not include disputes about income, etc.
Product: Mortgage

My mortgage was bought back from HomeStar in XX/XX/2020. First payment was made XX/XX/2020 under the original loan number I had with XXXX. HomeStar changed my loan number after that payment was made but before I had a chance to update it - honestly I don't recall receiving a new loan number. So on XX/XX/XXXX my payment left XXXX XXXX  and Proof of Payment shows Homestar accepted and processed the payment under the original loan number on XX/XX/2020. On XX/XX/2020 or shortly thereafter, I started receiving debt collection calls from HomeStar, but because the loan was transferred I was still under protection of late fees. At that time I called back and let them know I paid - a ticket was opened but the gentlemen refused to take my proof of payment from XXXX. I called 2 days later because that first gentleman was rude. 2nd guy reopened my ticket - it was closed because there was no proof of payment ( which I asked if I should send ). It was closed without my knowledge. I got another phone call but this time sent the proof of payment on XX/XX/2020 - never head back. Called again - they had to reopen the ticket again - resent proof of payment on XX/XX/2020. Finally contact my mortgage provider who got me in touch with corporate. XX/XX/2020 received a message from corporate asking me to confirm the address - even though it is on the proof of payment. I called same day and left a message. Got a call back XXXX - she was on vacation and sorry she didn't get back to me sooner. XXXX asking for more information - I already send proof of payment and that's all they need. message back on XXXX - we are working on this! XXXX - harrassing messages have picked back up. I was told the messages would stop, but they didnt. It has now been 30 days since HomeStar took {$1700.00} from me and refuse to post my payment despite sending proof of payment to 2 people in Customer " Care '', 1 mortgage lender, and 3 people in corporate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Is reported on all 3 credit bureau 's Experian, XXXX, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all XXXX credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX 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/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CONSERVE ( Original Creditor : XXXX COMM COLL OF XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I feel like I 'm over paying for my school loan. Unfortunately when I call customer service for help I do n't get any help.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

This is another complaint the regards for Bank of America in regarding a fraudulent dispute that was closed due to no error and is now reopened and not looking at the evidence provided. I opened my original claim and was denied the XXXX day looking as if it went through the filtration system so they did not have to provide provisional credit. The claim was filed on on XXXX for the amount of {$30000.00} which the card was never used by myself and was sent to another address and multiple withdraws and merchants that I did not use. I am seeking that they resolve my claim and refund the money of the fraud that was committed. They also compromised my security of not protecting me with not having XXXX chip and visas zero tolerance for fraud. The claim number is XXXX. I have given them police reports, fbi report, drivers license, social security card and have been in there branch 4 times. If they would of protected me with XXXX I would have not been frauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company violated my rights to privacy and have not provided me proof of the original agreement. This has resulted in having negative items on my credit report. I gave no permission or signed any contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the company on several occasions. XXXX, XXXX and XXXX. Given the runaround about proof of account and actual balance. Unable to get anything in writing. Called back again and was told they had my email wrong. After waiting several weeks, I still received no proof.