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

In XX/XX/2018, I had fallen behind on my loan payments. i finally was able to recover in XX/XX/2018 and become current on my loan. I have disputed with transition and XXXX XXXX XXXX multiple times as my credit score has not been updated since XX/XX/2018. I am current on my loan payments today, XX/XX/2018 however XXXX XXXX XXXX is reporting I am now 60-89 days late. I applied for a lease in XX/XX/2018 and was denied as the loan was reporting 60 days late. Thus, resulting in a major loss of income as this was a business lease. I have called several times asking for this issue to be resolved with XXXX XXXX brushing this off and telling me " They can not do anything and Ill have to wait until the system automatically updates. '' Well, it hasn't updated since XX/XX/2018 and we are now at XX/XX/2018. I have filed a complaint with Transunion who did not do a thorough investigation because had they, they would have found my loan current, and updated the information. 
I feel XXXX XXXX XXXX  is maliciously reporting erroneous information to discriminate against me as my loan had been past due in the past. I did tell them when pleading to update my loan status that I was unable to get a loan with the incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed Equifax an identity theft affidavit, police report and other documents to 1 ) verify my identity and 2 ) address fraud that was found on my report. 

Disputes were opened. 2 accounts were not removed even though they were listed on my report. 

I contacted Equifax and informed them the police department had done and that the FCRA required them to remove and block the account within 4 business days. I spoke to a supervisor. The conversation was moving along fine until I questioned why those accounts were not removed. She explained a 30 day dispute process, to which I explained that I had already waited 30 days. I am currently in the process of buying a home and that account was not mine. She said she would submit ANOTHER dispute that would take AN ADDITIONAL 30 days. I explained that was not correct and I did not have an additional 30 days. When she seemed bothered by my questioning, I explained maam this isnt personal. I just have a home I have literally saved 5 years for thats depending on this. Its nothing against you. 

Her EXACT response : Im not upset, Im Chillen! 

Then proceeded to put me on hold for 5-10 more minutes and transfer me into a dead end line. 

This is completely unacceptable and I know my rights under the FCRA. I expect those laws to be adhered to.
Product: Mortgage

Freedom Mortgage is clear we have paid on time and even from the previous lender, never missed or late payments. On XX/XX/XXXX, they received the XXXX mortgage on time and in XXXX, they called to let us know the impounds have increased and the new mortgage amount is~ {$100.00} more. We changed this immediately and began sending the new amount. In XXXX, we found out they filed a late payment to XXXX, XXXX XXXX, XXXX on our credit. A business transaction was canceled due to the bad payment history which is how we found out. Contacted the lender and they said that they did send out written notice ( we never received ) and so they had the right to put the mortgage into a side account and not apply it to the loan and file a late charge on our credit for the entire amount. is this correct? if so, it creates an unknowable situation. They are poor communicators, hard to get hold of, we receive very late or no mail from them and if impounds change again, they can easily further damage credit. 
please advise.
Product: Credit reporting or other personal consumer reports

You're not doing your job or abiding by the law. See attached, this is not going to be responded to in any manner other than my continuing to report the issue here until the CFPB recognizes that you don't abide by the law by investigating the ERRORS YOU MAKE CONSTANTLY ON MY CREDIT. YOU'RE THE ONLY BUREAU MAKING ERRORS AND DECLINING TO CORRECT THE MISTAKES YOU MAKE! You will never get anything from me for your constant delay tactics but a follow up complaint regarding your unwillingness to appropriately respond to disputes on this site.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX  XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.
Product: Checking or savings account

I have had a few problems with cashapp. Most times you couldn't get anyone to answer and other times they would give you the runaround and I have had a few charges that I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed
Product: Credit card

The Role of Consumer Complaints in Identifying Unfair, Deceptive, or Abusive Acts or Practices Consumer complaints play a key role in the detection of unfair, deceptive, or abusive practices. 

I wish to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against American Express for predatory lending and abusive practices. Today, I received an email from American Express stating that my credit limit may be reduced due to my payment history and credit scores, despite being a responsible borrower with a XXXXXXXX XXXX  score, 34 % credit usage, and no missed or late payments. 

I currently have two American Express credit cards and a personal loan. My credit card balance is {$24000.00}, with a credit limit of {$40000.00}. All my other credit cards have XXXX balances. 

Any reduction in my credit limit would increase my credit usage, potentially harming my credit score and leading to higher future financing rates. This situation is unjust, and I believe it constitutes predatory behavior. 

On XX/XX/XXXX  I contacted AMEX to discuss this matter and I was told that I needed to wait three days while the audit is being conducted. In the interim I could make the payment of {$6000.00} to maintain my existing limit. I copied the verbiage from the actual email for review. 

As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible limit reduction. 

Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$6000.00} by XX/XX/. 


I request the CFPB 's investigation into this matter to ensure fair and responsible lending practices by American Express. Your attention to this issue is greatly appreciated.
Product: Debt collection

Federal law states Reg. F 1006.34 requires disclosure of validation information at the first collection contact, or within five days of the initial communication, including an itemization of certain debt components, the name of the debt collector and the creditor to whom the debt is currently owed, instructions to dispute the debt, and disclosure of other consumer rights. 

Rent recovery solutions refuses to provide information that this account belongs to me. 

XXXXXXXX XXXX acknowledged they have no information or records of the collections account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX  account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim. Another account popped up on my report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX XX/XX/2018  and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.
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 dispute against my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection 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 customers of disputes outcomes. These failures to align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.
Product: Credit reporting or other personal consumer reports

Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( XXXX of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating my account.
Product: Debt collection

Through CFPB Metro Collections has threatened me with litigation. 
I spoke with a law firm and they said no lawsuit is or has been filed in any court. 

I am awaiting response from an attorney this week, but Metro has not provided me with a response to suggest this debt is legit.

This is phantom debt.

I am not liable.

Metro has no contract with me.

Metro is listed also as the original creditor. 

I have many times contacted Metro with no response on the debt. 
It has not been validated and by their own admission litigation has not begun and no judgement has been made against me.
Product: Debt collection

I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt.
Product: Credit reporting or other personal consumer reports

I signed up for TomoBoost service on XX/XX/XXXX. As advertised, they would report to all three credit bureaus, using my monthly bills as " payments '', for a fee of $ XXXX. To date, this account has not been reported to any of the three agencies. 

On XX/XX/XXXX, I requested the company look into the missing credit report information. I was asked to verify my birthday, and was told that it was updated and that the reporting would be updated within 5 business days. 

Upon following up with the company, I was informed on XX/XX/XXXX that they are experiencing an ongoing issue with the data file being sent to the bureaus and that they couldn't provide a timeline for when it is to be resolved. At this point, I am convinced that there was never an issue with my birthday, and that there is no intention of resolving this issue.
Product: Money transfer, virtual currency, or money service

XXXX Payment. My wife accidentally XXXX {$1200.00} to wrong phone number on XX/XX/2023. She filed dispute claim on XX/XX/2023, Chase XXXX completed investigation on XX/XX/2023 and do nothing. Even we had contacted the recipient ( XXXX ). He is willing to refund my wife the fund. He wanted the bank to contact him so he can refund to us. Chase XXXX has no one will contact him to confirm to the recipient that my wife is accidentally XXXX to his number. I asked the bank if there is anyway/process help us to confirm my wife is the owner of the fund and not some kind of scam. All I get answer is " No '' " nothing they can do in my wife situation '' even we have been the bank customer for more than 20 years. It is on our own. As you know, There are always errors in any processes. And the XXXX  payment is even more critical because it deals with financial. There will be people losing money for just a typo. I wonder if the Consumer Financial Protection Bureau has some guide lines in place to help people to get their money back due to error. My family is stressed out over this for the last 4 weeks now. Our issue is still there, the recipient just file a claim with his bank today XX/XX/2023. I hope his bank will do something. Otherwise I am back to square one in searching for help. I hope CFPB comes up somethings soon. I believe more families/ people will be stressed out over this issue due to their mistake as my wife does. Thank you for your reading my issue concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for employment with XXXX XXXX XXXX. During that hiring process, XXXX solicited a background check from First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX First Advantage communicated inaccurate & criminal information to XXXX, which had a negative impact on my reputation. 
Either this is a case of identity theft or there is another person, which shares my name & DOB. These are the only two explanations I can offer on how this could happen. 

The background check furnished to XXXX by First Advantage outlines the following ; There was a XXXX XXXX convicted of " XXXX XXXX XXXX XXXX '' & " XXXX XXXX, XXXX '' in XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX # XXXX XXXX XXXX # XXXX This person was found guilty and convicted on XXXX/XXXX/XXXX. 


I have contacted to First Advantage at XXXX ( EST ) on XXXX/XXXX/XXXX and informed them of this issue. First Advantage states they may have referenced the wrong information. 

Presently I 'm unsure of the severity, scope and total ramifications of having been associated with this criminal conviction. How this criminal record may have negatively influence my life from XXXX/XXXX/XXXX to present day.
Product: Credit reporting

I had a loan for a motorcycle through XXXX credit company. I received a check from my bank offering to transfer balances at 0 % for a year. I called XXXX and gave the clerk my check number and paid my loan off. The next month I received a statement stating that i owed for two months. I immediately called XXXX and spoke to a supervisor ( XXXX at ext. XXXX ). He apologized for their error on the check for it not going through and no one from XXXX called to tell me. I gave him the check again and it got processed correctly. He stated that XXXX was not showing a late payment due to their. So, my loan is paid in full and I have my title. I got my annual credit report and Equifax is showing that I was two months or more late and my credit score went from 728 to 684. This needs to be taken off my credit report and my credit needs to revert back to where it was. My account number for the loan is as follows:XXXX. Again, the supervisor that i dealt with was XXXX ( not sure on the spelling ) at XXXX. When I called on XX/XX/2017 and spoke to the clerk that answered the phone she reassured me that I was not a day late. I will be patiently waiting for this issue to get resolved. Thank you.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

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

Hello CFPB my name is XXXX XXXX XXXX and I am writing this complaint because there are unauthorized inquiries on my credit report. I have tried to resolve this with XXXX AND TransUnion and they do not give me the respect. They place me on hold for so many hours and it is stressful. I need HELP. These inquiries I did not consent to in no way. My credit score is in the XXXX because of this. I have 100 % payment history and these hard inquiries are a stain on my report. Please Help
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Product: Mortgage

I applied for a loan to have a house built in XXXX 2015, i went threw the whole process and did everything i was suppose to do as far as what was needed from me and what i needed to have at closing. I gave lender all my information that was passed on to the processor and the underwriter. I was notified that my loan was approved but the processor sent me special conditions that i needed to do before i close. i provided everything that was asked of me on the special condition report, but when it was time for me to close, i was informed i was unable to because they could not use my sons XXXX XXXX check that was apart of my income. The company had my file for 4 months and waited to tell me this at the very end after XXXX missed closing dates. I gave my 30 day notice were i was living, moved out my house based on closing date, went homeless for 8 days now with XXXX people in my household. I had to pay for a XXXX truck and keep my furniture in there waiting around on them to close me. After 4 long days I had to return the XXXX and put my furniture in XXXX storages because i have alot of things. They have cost me alot of money, and stress ( XXXX ) on me and my family. They also made me close XXXX credit cards out 3 weeks ago when i was orginally suppose to close and know my score is going to drop hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged and removed in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.