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

I am a XXXX XXXX XXXX. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX county of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, XXXX  and experian. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent credit card account with XXXX that's reported as delinquent on my credit report. The account was opened in XX/XX/XXXX, while I was living in XXXX as an expat, and belongs to someone else that lives at an address in Texas that I do not recognize. I have tried to dispute it both with Experian and XXXX when I first noticed it on my credit report in XX/XX/XXXX, but it never got investigated or addressed, and now it's affecting my ability to qualify for an apartment lease. Both Experian and XXXX have denied accountability by directing my inquiry/ dispute to the other. XXXX customer service pretended to have handled the issue when I talked to them on the phone, but still the fraudulent account remains on my record. Experian denied my dispute on the ground that I have already tried in XXXX and I can not file the same dispute twice. 

I have always paid my bills on time and have never had any financial problems, but now I can not even get an apartment thanks to the credit rating system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a notification from my credit monitoring service today XXXX/XXXX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was notified creditor-XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to Experian on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX XXXX get a status on the correction. 
I then contacted XXXX and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXXXXXX Customer Relations XXXX and XXXX Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

Experian never showed the XXXX account as reporting, however XXXX rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. Experian has not received any correction request from XXXX XXXX XXXX Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

Experian is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b
Product: Debt collection

I 've spoken to the company ( Navient ) many times and told them I am unable to pay my student loans until the end of the month. i asked for a reduced payment plan or a forbearance. I was denied a reduced payment and I 'm charged every time I need to delay payment and can only hold payment for one month at a time. I asked that they stopped calling. My request was ignored and they call me no less than ten times a day, every day.
Product: Debt collection

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The collection account with XXXX XXXX  was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. The account was sold to Portfolio Recovery LLC in 2019. I have filed an identity theft affidavit, which is attached. XXXX XXXX  acknowledged this and deleted the tradelines from my CRA reports. I have also attached documentation attesting to this fact.
Product: Mortgage

I got on forbearance in XXXX of 2020. The mortgage company failed to make any escrow payments while I was in forbearance. Mortgage company failed to send a detailed description of how my payments where distributed while in forbearance
Product: Checking or savings account

On XX/XX/2021 I was advised the US Bank intended to close my personal account ( XXXX ) and was told that their Loss Management Department would have clear it first ( 2-4 weeks ). After being notified I asked them to cancel and return an EFT deposit in the amount of approximately {$5600.00}. Their Customer Service department told me it was rejected on XX/XX/2021. The branch stated the same. I have a recording of that conversation. I later discovered that it was not rejected but instead deposited and placed on " Hold pending Closure '' with no estimate on the date of closure. 


That is unacceptable as all funds deposited were by wire transfer from my Fidelity account and are now being held by US Bank pending their review. When I call the branch, they hang up. When I call the XXXX number, they refer me to the branch. The branch manager is using personal animosity to delay my access. 

As a result, MY businesses will no longer accept US Bank branded products for payment, per the sign at the registers, stating that " We have no faith in the integrity of US Bank. ''
Product: Mortgage

I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.
Product: Credit reporting or other personal consumer reports

The closed accounts on my credit report does not belong to me the addresses are not mailing addresses for me. The list of accounts that does not have up to date addresses shall be removed are, 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

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 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 ACCOUNTS and 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 ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER XXXX XXXX CREDIT NUMBER : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX account Number XXXX ), ( XXXX XXXX XXXX  Account Number XXXX ), ( XXXX XXXX Account Number XXXX ), Hard inquiries ( XXXXXXXX XXXX ) , ( XXXX XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX ) are not complete and accurate .

and one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

check the attachments below.
Product: Credit reporting or other personal consumer reports

I can't believe you guys are taking advantage of me. I AM EXTREMELY UPSET The credit bureaus have not responded back to me about my investigation. This is a Very Serious Matter. On XX/XX/XXXX and XX/XX/XXXX I Disputed the accounts and on XX/XX/year> I filed Complaint Number XXXX with the CFPB about inaccurate, unverifiable and fraudulent accounts that are reporting to my Credit Report. I've done 3 disputes with them and consistently have been ignored and made to feel as if my situation doesn't warrant the same treatment as others. I need these accounts that aren't mine to be removed from my credit report immediately!

It's been more than 30 days and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. 
The items I provided in my letters I am asking you to DELETE expeditiously or I will have to file Litigation due to the stress that has been caused to me. 

Attached is a copy of my DL, SS Card, Utility Bill, Notarized Identity Theft Affidavit, Police Report, and Notarized Affidavit of Truth. 

I also submitted this letter to my State Attorney General Office and The XXXX XXXX XXXX and by Certified Mail to your Registered Agent to have confirmation of proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it humorous that Equifax wants to be a XXXX in their reply stating Im asking for multiple things and I dont know what Im talking about when they use a computer that didnt comprehend my request. I requested you verify who you spoke with to verify inaccuracies and violations that you continue to report as accurate. 

I first disputed XXXX XXXX XXXXXXXX XX/XX/XXXX and I am STILL disputing the account for the following reasons ; 1. the credit limit is missing therefore incomplete reporting is in violation of fcra 2. there are 3 different dates last active reporting therefore in accurate reporting and in violation of fcra 3. the date of last payment is different : equifax shows XX/XX/XXXX XXXX shows XX/XX/XXXX. again inaccurate and must be deleted 4 Reporting different payment history you sent me a letter stating your investigation was complete and the information was accurate and all information was verified as accurate. THAT WAS A LIE I disputed XXXX XXXX for reporting different dates last active - equifax reports XX/XX/XXXX XXXX reports XX/XX/XXXX. this is inaccurate and a violation. they are reporting a past due balance -again this is a collection account. THERE SHOULD BE NO PAST DUE ON A COLLECTION ACCOUNT. Again your XX/XX/XXXX investigation said these things were accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX sent me an electronic letter stating that they made a decision to close my XXXX account due to various reasons. I have been a XXXX customer for over XXXX years and make monthly payments. In addition, I have other cards with XXXXXXXX XXXX that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, XXXX continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with XXXX. I am asking that XXXX either reopen my account or agree to a XXXX XXXX Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX.
Product: Money transfers

I purchased a pair of " Authentic XXXX XXXX XXXX XXXX XXXX size XXXX '' on XXXX/XXXX/16 from a seller off of PayPal. He told me to use the friends and family option which would not charge him a fee. He said he would ship within 2 days and I messaged him asking him if he shipped the shoes out or not but I get no respond. I found out that he was a scammer because I did n't know that I would n't get protected if I chose the friends and family option on PayPal which he is NOT A FRIEND OR FAMILY. I 've tried everything I could to do on PayPal and no refund. I just want my full refund, I never received my item and I know I will not receive what I paid for and the money I worked hard and earned for.
Product: Payday loan, title loan, or personal loan

One Main Financial XXXX, TN Personal loan This company was emailed and called about loan being late less than thirty days. 
One main employees have called over 5 times a day from various numbers and various locations. 
The employees degrade and talk disrespectful. One Main refused to be kind once I refused a deferment, versus a late fee.

One Main has started to call our employment on an account less than thirty days late and after we contacted One Main several times to STOP CALLING.

One Main employees are harrasing this loan because they want their numbers to be down, treating people horrific, even lying about credit reporting. 
One Main XXXX, TN is violating Federal harrasment laws.

Calling repeatedly and calling employer after cease was emailed to Supervisor of One Main several different dates.
Product: Consumer Loan

I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ***** XXXX, XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of XXXX  and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account- though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX02.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Chrysler XXXX fraudulently sold me damaged vehicles gave it back to the company