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

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX reporting on my report. I don't consume a XXXX XXXX account, I have had XXXX XXXX through my company phone for 6 yrs now. it shows a balance of {$300.00}. This is my only Derogatory mark on credit report ever. This is reporting on all reporting agencies.Please remove, this isn't mine and is truly affecting my score. Thanks so much
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Credit Bureau regarding the inaccurate reporting of information on my credit report and their failure to properly investigate a dispute I submitted. 

On XX/XX/year>, I disputed multiple items on my Experian credit report that I believe are incorrect and do not belong to me. These items appear to be fraudulently reported or misattributed. I provided clear evidence supporting my claim that the accounts are not mine. However, despite submitting the dispute and providing necessary information, I received an update on XX/XX/year>, stating that one of the disputed items would remain on my credit report, without any clear explanation as to why or how the investigation was conducted.

Experian failed to provide a thorough verification of the disputed information, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). The credit reporting agency has not validated the accuracy of the disputed items in a meaningful way, and the item in question was left unresolved, despite my clear dispute.

Details of the Dispute and the Outcome Date of Dispute Submission : XX/XX/year> Date of Update : XX/XX/year> Disputed Item : XXXX XXXX XXXX Experians Response : The incorrect account has not been changed ands will remain on my credit report.

I believe that Experian failed to comply with its legal obligations under the FCRA by not providing a thorough investigation of my dispute.

Specifically : Failure to Conduct an Adequate Investigation : I believe that Experian did not make a proper effort to verify the accuracy of the disputed information with the original creditor.

Lack of Transparency : The explanation provided for keeping the disputed item on my credit report was unclear and did not provide sufficient evidence of how the item was verified.

Failure to Remove an Inaccurate Item : Given that I provided evidence to support my claim that the item is not mine, Experian should have removed the disputed entry from my credit report.

Request for Assistance I am requesting that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to ensure that Experian adheres to the legal requirements for investigating disputes under the FCRA. Specifically, I request the following : A full investigation into whether Experian properly followed the procedures for handling my dispute.

That Experian be required to verify the disputed item and remove it if it can not be proven to be accurate or mine.

Assistance in ensuring that Experian corrects any errors on my credit report that stem from this issue.

I have attached copies of the relevant documents, including my dispute submission to Experian and the response I received, for your review.

Thank you for your attention to this matter. I trust that your office will take the necessary steps to resolve this issue and hold Experian accountable for its failure to conduct a proper investigation and ensure the accuracy of my credit report.
Product: Debt collection

Harassing communication by mail that will not stop even after proof was sent in that debt is settled. If they need further communication they can reach out to the original creditor for the letter. I am not a babysitter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries. 

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 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: Mortgage

On XX/XX/23 I filed complaint # XXXX. The basis of the complaint was an attempt to simply speak to someone in Citizens loss mitigation department so that I could offer a solution which would both provide Citizens with a path to being repaid XXXX cents on the dollar and to provide me with an amount of time to repay the loan. I was even offering to make payments for the duration of the workout period and offered to back my proposal with a " deed in lieu of foreclosure ''. The day after I filed my complaint I received a call from a XXXX ( not from loss mitigation ) but from the Office of the Chairman. He promised to forward my complaint to loss mitigation. Approximately 3 weeks passed. XXXX called again to apologize that it took so long to get back to me but stated that because I did not show/have " enough income, there was nothing they could do for me ''. What was outrageous about that statement was that XXXX and whomever else might have been looking at my file did not have any updated information. No one ever asked me to give them any additional information or even cared how I would live up to the agreement I was proposing. The information that XXXX and anyone else was looking at must have been 6 months old and therefor stale. I think Citizens is more motivated to do nothing to help me because they have already determined that the outstanding debt on my home is only approximately 1/3 that of the market value. At the end of the day I would just like to speak to someone who is reasonable and in a position to deal with me on a fair basis.
Product: Bank account or service

My name is XXXX XXXX and my employer posted our direct deposit on Friday, in which with rushcard I usually get my deposit on Monday night 's at XXXX. My deposit has n't posted, ca n't get through by phone, website not working and no way of contacting anyone about my money. I 'm bout to lose my car. My employer ca n't cut no checks until deposit is returned, my car will be gone by then. The only information is on XXXX on rushcard page, there are so many XXXX angry customers posting about not receiving their direct deposit since last week.
Product: Credit reporting or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$490.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX XXXX rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX  XXXX XXXX/XXXX
Product: Credit card or prepaid card

XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX   XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed several discrepancies that need urgent attention concerning the account. This company has recognized the errors and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after acknowledging the inaccuracies. 
I request a thorough investigation into this account and prompt communication of your findings via postal mail. According to online information, such disputes should be resolved within 30 days, and I expect your response within this timeframe. 
XXXX XXXX
Product: Credit card

Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus still report an old account that the first negative markings are far older than 7 years. Per the fair credit reporting act the account, XXXX and all negative reports associated with the XXXX  were to be removed by the 7 year mark from the date first reported for the negative remark. Rather than removing the XXXX  as required by law, the bureaus just update remarks on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a 2 year history of terrible service from Nationstar Mortgage now Mr Cooper. ( a new name they assume to cover their dirty image ) They first denied my request for modification under a Federal program that I was qualified for. They said I was not undergoing financial difficulty because I was not far behind on my mortgage payment. After much back and forth with them, they ask me to make payments on a " trial payment '' plan for a modification. While receiving those payments, they reported to the credit agencies that I had not made any payments and was now 90 days in arrears which has significantly affected my ability to borrow having been denied credit since. The appalling thing is, their representative told me they would have the 90 days late removed and did nothing about it so much so that I was surprised when a lender told to me it was on my credit report. In fact, my subsequent conversation with a rep from Coopers said they have no record of me complaining about the erroneous 90 days late. that is not surprising, because I have record of them giving conflicting information from their XXXX reps vs their USA reps. They changed names in the middle of my transaction shutting down access to the Nationstar website then blame me as the consumer for not being able to access their online portal. It is also convoluted as to which of their 2 dba 's they are claiming received late payments. Since they ceased operating under Nationstar and changed names during the modification process it had a grave negative impact on me as the consumer. They assigned me so called " dedicated specialist '' who has NEVER returned any of my several phone calls to him. This company is the epitome of dis-service to the consumer. I have several time requested document from them asking to show how they received my loan in the first place and that ownership/title was legally and properly transferred to the mortgagor in the first place, they have failed to provide any documents over a year now. For all I know they could be collecting money from me under false pretense as they have not provided me with a proof/trail of ownership from the previous owner ( s ). I spoke with rep days ago who promised to send the situation to " research dept '' however, they are not moving fast enough and I have little faith in this company as I was told the same thing before and nothing was done and no correspondence was sent to me one way or the other. I contend that the payments I sent in during the " trial payment period '' were just that " payments '' and should have been reflected as such so I should not look like I was extra late because life happens. Their lack of performance and negligence caused the modification to stretch out over a long period than was necessary. I ask that this company move to erase the 90 day late from the records of the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

So this is my pre litigation demand at this point. Experian continues to report an account and inquiries without properly verifying them to ME per the FCRA. I demand a complete re investigation for the 5th time now. If these items are not removed from my credit report I will move forward with filing a civil complaint based on Experian ; s continuous negligence
Product: Mortgage

I applied for a refinance with cash out in XX/XX/XXXX. The rate was locked and the loan was to be underwritten by Carrington Mortgage. I paid {$450.00} for an appraisal which was performed in ( I believe ) XX/XX/XXXX. I was told we were near closing on at least XXXX different occasions and was asked to gather all of the final payoff documents. Each time, Carrington would come up with some strange documentation request and the closing would be postponed. Each time I was asked to provide additional documentation, I provided it right away. Again, I would be told we were near to closing/gather the documents/then be asked for some obscure documentation. This went on for months. I was told in mid-XX/XX/XXXX that we were ready to close. Once again, I gathered updates for all of the payoffs. This time I was told at the last minute that the appraisal had expired and I would have to get an updated appraisal. This time, Carrington agreed to pay for the appraisal since it was their fault that we had not yet closed the loan. The same appraiser came to my home and basically updated the same appraisal that was done previously. The next thing I know, Carrington is telling me that I have to " clear debris from the bathroom '' and " cover or fill the pool ''. Both of these items were personally discussed with the appraiser each time he was at the property. The appraisal also is marked " AS IS '' and that the value of the home is not contingent upon any upgrades or repairs. By this time, the representative that originated my loan had moved to another company. I decided, since nearly a year had passed and Carrington had STILL not closed my loan, that I would start a new application with the originator that had changed companies. This loan has moved along at lightning speed and we are nearing closing. The current loan company asked Carrington to send them the appraisal that was performed in XX/XX/XXXX. They, again, have been giving us the run around and holding up my loan. Today, I personally, emailed Carrington and was told that since I did not pay for the XXXX appraisal they would not release it to the new company. Bottom line ... Carrington Mortgage has given me the run around for over a year and I now believe they knew all along that I could not get an FHA loan with the credit score I had at the time. All I want is for them to release the appraisal to the loan company I am working with nowl
Product: Credit card

Capital one placed its own fraud hold on an attempted purchase of mine online. The first phone call I placed to the Capital One fraud line, I gave all of the information required, verifying purchases, address, phone numbers, etc. I was then asked to give my login ID and password For my Capital One app to the representative. I said no. That in itself sounds fraudulent to me. He said I could go ahead and use the card, when I tried again, it was still declined. I called back. The next representative asked me to send a picture of my Rhode Island state ID to her, I said absolutely not, hung up and called back and got a third representative who told me that Capital One now requires this to unlock a card. I did not call them and report fraud. My card was used 50 times within the last XXXX weeks, its XXXX! if I am not reporting fraud and they are questioning it for some reason? Verifying purchase amounts, places and address and phone numbers should be enough to unlock a card. I have XXXX more and will just be using those from now on, not the point.
Product: Money transfers

XXXX Paypal charged me fees XXXX and XXXX for XXXX transactions initiated on XXXX XXXX in the amount of XXXX and the other in amount of XXXX both transactions where cancelled almost immediately after they were initiated. When the both transactions hit my account they sent me not only into over draft but they were rejected by the bank and sent back to PayPal. I receive notice from the receiver that the funds did not come through and I paid her with my Paypal balance instead of using Paypal to initiate a funds withdrawal from my bank to pay her. After this PayPal attempted to run the XXXX cancelled transactions through my account again even though these transactions had been cancelled and never accepted by the receiver. These transactions caused my bank account to become overdrawn. I contacted PayPal and inquired about these transactions on XX/XX/XXXX and the customer service lady told me that once a transaction is initiated even if the receiver cancels the transaction the transfer is initiated. I said well in order for the receiver to get the money they have to accept the Payment and if they cancel it or reject it why would the transfer go through. She told me that I needed to take it up with my bank if I did n't think the charges were authorized. I told her that I had already paid XXXX XXXX through my Paypal balance and that these charges were unauthorized and a nuissance to the legitimate charges coming through my account. She said that I needed to contact my bank about those fees and the charges. So that 's that I did and yes some how the return of their cancelled charges Paypal has tried to charge me XXXX fees. XXXX for XXXX and another for XXXX for these returned payments from the bank.