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

I contacted Equifax on three separate occasions and they never return my call. Someone from a bunch of different agencies had hard inquiries listed on my credit report. I haven't applied for any credit, credit cards, car loans of any type. I have checks by companies i've never heard of!!!! I spoke to one person one time who refused to give me their name in the month of XXXX this year!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have segregated me from ever making a credit dispute. I called Experian and XXXX regarding a collection ( XXXX ) and hard inquiries ( Experian ). They both flagged me, segregated me, and were advised by a representative that since I made a complaint to the Consumer Financial Protection Bureau, I have placed a " Troubled '' consumer. I get transferred to a specialized unit, but they won't handle my complaint or take them. I did get consent to record the first two representatives from Experian, however once transfer to the unit I was advised by the rep that I could not record them, they could only record me. XXXX would not let me record them and did not receive consent and they hung up on me. 

XXXXHas violated my rights to privacy Experian-Has violated my rights to privacy U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

During the time frame of XXXX navy federal constantly charged overdraft fees when i made purchases with enough money to cover the transaction, but the account had a negative balance when the purchase posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ac

t 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 I request due to errors on account status and payment history the account be removed immediately from XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted Bridgescrest repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.
Product: Checking or savings account

Hello, I can not amend previous complaints, however after being unable to open a CD account with BMO Alto I was supposed to receive a call back on the following day. I did not receive a call. I waited until the following Monday and now there is no way to contact the bank. Their phone systems are locked out saying today is a holiday XX/XX/23 which it is not. I spent an hour on the phone with BMO and they also do not have a way to contact BMO Alto. There is no email address or chat option, only phone number that immediately disconnects you. This is unacceptable. It is unacceptable to not be able to contact a bank over the course of several days. I already have XXXX accounts with BMO Alto and $ XXXX in assets across those accounts, but have no means of communication. Even the people at BMO were unable to help. I spoke with XXXX from resolution services and she admitted there was no way to contact the bank via email or chat only the phone number. She said best bet is to wait another business day and see if their phones start working again. Unacceptable solution.
Product: Credit reporting

XXXX County Tax Lien showing on my Equifax Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX XXXX yet Equifax continues to report this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a dispute due to Equifax not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through XXXX XXXX, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. XXXX XXXX sent me mail showing the account satisfied and closed. On XX/XX/2018 Equifax reopened this paid closed account to unpaid with balance of {$160.00}. I called XXXX XXXX XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with Equifax because them had indeed sent Equifax my file for this account being paid and closed. Equifax had severally damages my credit because of their negligence and I am ready to sue them over this.
Product: Credit card

I had a little more than XXXX reward points. If I redeemed the points online, I would get an additional 10 %. I searched my account for access to the points, I spoke to many card service representatives, I walked into my branch, I also had my personal banker online with me, while speaking to card services. I needed help from anyone, to access my reward points. The Wells Fargo website did not show my points. Only on my card statement, is how I knew how many reward points I had. Finally, this week, I was able to log into a redeeming website, but there was a message, the site was having technical issues, and the website was down. Every conversation with card service, they would begin or end each call, telling me that I could redeem online and earn an extra 10 %. I repeatedly stated that I was unable to access my points online. I was upset reading my XX/XX/year> statement. It read that XXXX points had expired. Fear of losing all my reward points, I redeemed all the points I could, over the phone with card service. The last conversation with card services, she sympathized with me for the expired points, and me not having access to the online Wells Fargo redemption. She indicated that there was nothing she could do. I did not get the extra 10 % that was advertised repeatedly and lost XXXX points.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and noticed inquiries that I did not authorize
Product: Payday loan, title loan, or personal loan

i begin 1 month and the supervisor call me 7 or 9 times a day, i tell i no have money for pay and she call to me reference to tell can i can't pay she send me to court and send text to my reference i can believe she shering everything is confidencial. i call the main corp from the B & F financial and the company not doing nothing and this lady is continue doing. this person is supervisor she is name is XXXX XXXX. And continue let me a paper in my door with information this person she no work with the client, she extorsion   the people : ( : (
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, Balance Credit added more hidden interest on my account without my knowledge. Payments were taken from my checking account. No additional information was given to me. However on XX/XX/XXXX I received threaten e-mail from XXXX XXXX XXXX on behalf of Blance Credit in which I do not understand! Balance Credit has shared my information without my permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX  XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Product: Credit reporting or other personal consumer reports

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 Re : **Dispute of Civil Liability under 15 U.S.C . 1681o** Dear XXXX , I am writing to formally dispute the civil liability claim that has been made against me under **15 U.S.C. 1681o** ( Fair Credit Reporting Act ). It is my understanding that the claim involves alleged violations related to the accuracy or handling of my credit report and its associated obligations.

After reviewing the facts surrounding this matter, I believe there has been a misunderstanding or error, and I do not accept liability for the disputed charge/claim. Specifically, the allegations related to [ describe the alleged violation, such as incorrect information reported, failure to correct errors, or failure to notify within the required time ] are unfounded and unsupported by clear evidence.

Under the Fair Credit Reporting Act, I am entitled to dispute any inaccuracies within my credit report and request a thorough investigation. I would appreciate it if you could provide me with any relevant documentation that supports the claim of civil liability and that justifies the claim being made under this section.

Please be advised that under **15 U.S.C. 1681o**, any willful noncompliance with the requirements outlined by the FCRA may result in significant consequences for the party responsible for the violation. I am confident that upon reviewing this matter, it will become evident that no violation occurred on my part.

Therefore, I kindly request that you immediately address this dispute and cease any further action regarding the civil liability claim. If this matter is not resolved within a reasonable time frame or if the claim is not withdrawn, I will not hesitate to pursue my rights under the Fair Credit Reporting Act, including seeking legal advice and remedies available to me.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, XXXX XXXX -- -- -- -- -- - Account NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I asked Rocket Mortgage to submit a HUD partial claim so a third-party lender ( XXXX XXXX ) can access the payoff to close on a Home Equity Line of Credit. 
Rocket Mortgage has refused, holding the partial claim hostage. 
They intend to force me, the borrower, to only be able to obtain a Home Equity Line of Credit or refinance through their lending institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my bills all the time and my score will not go up, Im trying to buy a new car
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Capital ONE XXXX XXXX XXXX, UT XXXX XXXX Re : Dispute of Late Payments on Credit Report - Violation of Connecticut Fair Credit Laws To Whom It May Concern, I am writing to dispute the late payments listed on my credit report that I believe are in violation of the Connecticut Fair Credit Reporting Act ( Conn. Gen. Stat. 36a-694 et seq ). I am deeply concerned about the accuracy and fairness of the information that has been reported on my consumer credit file. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CT I have recently reviewed my credit report from your agency and discovered multiple late payments that have been reported by my creditors. However, I contend that these late payments are not accurate representations of my credit history and, therefore, should not be included on my consumer credit report. Specifically, the late payments in question are regarding transactions that, in my view, do not meet the criteria for inclusion in a credit report, as stipulated by the Connecticut Fair Credit Reporting Act. 
Under the Connecticut Fair Credit Reporting Act, certain transactions should not be reported on a consumer 's credit file. Late payments, in my understanding, should only be reported when they pertain to actual credit obligations or debts. In my case, the late payments in question do not correspond to any credit or loan obligations. These late payments are the result of transactions unrelated to credit agreements, such as fines, fees, or other non-credit-related charges. Therefore, they should not be included in my credit history, as they do not accurately reflect my creditworthiness. 
I kindly request that you investigate this matter and promptly remove these erroneous late payments from my credit report as per the Connecticut Fair Credit Reporting Act. I also request that you provide me with a revised copy of my credit report after the necessary corrections have been made. It is essential for me to maintain an accurate and fair credit history, as it impacts my financial well-being and opportunities for credit in the future. 
I understand that the Connecticut Fair Credit Reporting Act requires credit reporting agencies to complete their investigation and provide a written response within 30 days of receiving a dispute. I hope for a timely resolution to this matter. 
Thank you for your prompt attention to this dispute. I look forward to receiving a written response detailing the results of your investigation and any actions taken to correct my credit report. Please feel free to contact me if you require any further information or clarification regarding this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I called yesterday because I couldn't access the account through the mobile app. They told me the account is frozen and that I have to call today XX/XX/year> because the department that blocked the account was closed. I called today and they told me to call back tomorrow because the account is under review. I spoke with XXXX and I asked her why the account is under review and she told me they don't have a reason because is under investigation, that I have to call back tomorrow. I asked her what happened with a check from my job that I deposited on Monday and she said that the check bounced. I asked her if they blocked the account because of the check from my job and she told me she doesn't know and to call back tomorrow. Do they believe that people have time to waste? How is it possible that I have to call 3 days in a row to get a response and I can't use the account either. It's XXXX  and they freeze an account and do not have the reason?
Product: Credit reporting or other personal consumer reports

I looked at my report back as of XX/XX/2024, 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 or the intormation concering the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX Account # ( XXXX ), ( XXXX XXXX XXXX ) account # ( XXXX ), ( XXXX XXXX XXXX  ) account ( # # # # # # # XXXX ), ( XXXX XXXX XXXX ) account number ( # # # # # # XXXX ) are ridiculously incomplete and not accurate. 
In accordance with the Fair Credit Reporting act. Accounts listed above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has probable cause to believe the information is inaccurate!
Product: Credit card or prepaid card

I opened a PayPal Extras Mastercard backed by XXXX XXXX   on XX/XX/2017 and pay off the balance every single month prior to the statement closing date but every month, they still assess an interest charge. When I call, I have to be rerouted from a foreign call center to a live person in the United States which takes approx. 10 min. If I reach a person who is more combative than helpful, the call is terminated or escalated and the problem is resolved no less than 1 1/2 - 2 hours later. Each representative that I speak to has a different explanation for why the interest in being assessed on the account. The interest charge has been reversed each month on both mine and my husband 's credit card account but only for our effort. One statement charged interest on a {$1500.00} balance and my balance was never that high so it appears that they are inflating the balance to charge more interest. I reported the problem to PayPal, as well, since they are the owners of the name.
Product: Debt collection

I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a XXXX XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from XXXX XXXX stating that they purchased the loan from Ditech for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX  to XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of 31 years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Account Update Dear TransUnion Team, I hope this message finds you well. I am writing to request an update to my credit report regarding my loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I would like to inform you that this loan account has been paid off in full as of [ XX/XX/XXXX ]. I kindly request that you update my credit report to reflect this status. 

Thank you for your assistance in this matter. Please feel free to contact me at the phone number or email address provided above if you need any further information. 

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

This company ran unauthorized credit inquiry on my credit report. Please remove asap as this is suspicious to me : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX transunion XXXX XXXX XXXX paying XXXX monthly I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item