23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed Its legal obligation under the fair credit act ( FCRA ) two conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward, consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience. Where Experian has neither corrected or removed.
Product: Credit reporting or other personal consumer reports

These accounts have recently shown up on my credit record, and I have some doubts regarding the veracity and correctness of your inquiry. I thought the item was not being reported lawfully last month, therefore I sought an investigation. You have decided to stop investigating my credit reports, according to the letter I got a few days ago. This decision was based on your belief that I may have employed a third-party credit repair business. This is clearly in violation of the FCRA, and I also think it's a delay tactic to buy yourself XXXX more days to fulfill my first request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account was paid and closed on XX/XX/2022. Experian has failed to update my credit report. See report attached. Delete this account off my credit file right away!
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an account with Transunion, XXXX and XXXX so I can look at my credit report on scores online, and after a few days Transunion and XXXX is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I purchased a used vehicle from XXXX XXXX in XXXX, NY. To finance the vehicle, I took out a loan theough the dealership. The dealership ran my credit through three different loan companies without my consent. When I asked why they sent a loan request through several companies without informing me first, the response I got was well its Saturday and I needed a customer service representative to set you up. All three of those credit checks were high impact. Those hard impacts later affected my credit. The dealership finally settled when they set up the loan through capital one. I was able to pay off this five-year loan in about six months because I came into some money and I wanted to make sure I didnt have too many outstanding debts, as I already have a lot of student loans as a teacher. I thought paying off this loan in full in a quicker amount of time would boost my credit. As a result of paying this off, my credit score dropped from XXXX down to XXXX. I have been struggling to raise this score even though I have been paying off all other loans in full and timely, as well as opening additional credit cards to raise my score. I do not think it is fair to penalize my credit score for paying off a loan IN FULL earlier because I was financially sound. I wish to file a grievance and have my credit score looked at and adjusted accordingly if possible. This is affecting my ability to get more credit and move into another residency because the score has dropped so significantly and will not rise no matter what I tried to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I do not know these inquiries and am not linked to the listed creditors.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is representing Capital One ; Called and was on hold 10 minutes and response said to leave message i.e left message they are calling wrong number, the person they are looking for is not at this number ( XXXX ) and I am not that person. ( XXXX XXXX XXXX ) I do not know that person. Have their Client Capital One Remove my number from their system and do not call again. I have informed Capital One of the above information and to remove my number fro their system and do no call it again. I have had this number for over 8 years.
Product: Credit card

In XXXX, XXXX I was charged for two rooms in a hotel, when I actually only reserved ONE. My credit card was charged for the two rooms, and I was alerted by the hotel staff that it appeared that I had reserved two rooms, and I assured them I only needed one room. Since the room was booked through a third party, the hotel could not resolve the issue. I disputed the charge through the credit card issuer, and they kept using the wrong amount in dispute, and I had to amend the claim at least 3 times. After collecting my documents, I determined that I was overcharged by {$340.00}. Each time I amended the claim, it was denied, based on some time frame that was past due for resolving such claims. When I asked the CSR why, at no time, was I informed of the time constraint? They could only tell me that they were sorry, but they could not help me. I took me some time to track down some of the documentation also. I was advised to contact the third party, which I did, and I was told it wasn't their problem, it was the card issuer responsibility! Same old finger pointing! I feel as though {$340.00} was taken out of my pocket, and no one seems to XXXX XXXX XXXXXXXX about making me whole.
Product: Credit card or prepaid card

Actually the company didn't do anything wrong. There weren't appropriate prompts to select from. 

I received a letter in the mail from Capital One stating my linked external checking account information recently changed... I called them because I did not recall having a connected account to them. They said it was a XXXX XXXX account ending in XXXX. I do not have a XXXX account ending in that. I called XXXX. They confirmed I don't have an account ending in that. Called Capital One back and they said someone closed a connecting account, meaning they probably have my SSN and can do all sorts of connecting financial things. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me. 

WAKEFIELD ( Original Creditor : XXXX XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been listed on my report inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$430.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I applied for a job on indeed and was offered a work from home position as a personal assistant for the savier reality company. All of the information checked out and I even messaged the company to verify which they didnt respond. I was given a check for XXXX and some change and was told that I needed to send the venders the money for my equipment since she was not in the office at the time. The check was canceled and I immediately called my bank and I was told the transaction wasnt fraudulent since I sent them the money. I was sent a professional check for my job I had no idea I was being scammed. Ive done similar jobs before. I sent money over XXXX and cashapp. When I questioned why I would send the money I was told that I needed to be trusted with money and needed to equally send the money to each because one was for the phone and the other was for the laptop and printer. I am now XXXX $ in the hole with my bank and Ive sent every bit of information I have to show it was a fraud company
Product: Credit reporting or other personal consumer reports

Received letter from Capital One Auto Finance XXXX XXXX XXXX XXXX TX XXXX Address to myself and a XXXX XXXX requesting a credit check by XXXX XXXX XXXX XXXX, this company sent an application on my behalf applying for my Credit report. the Reference # XXXX. 

XXXX. Please inform Capital One Auto Finance that I am not seeking a auto loan. 
XXXX. Please inform XXXX XXXX XXXX XXXX that I an not seeking to purchase a vehicle 3. Please inform XXXX of XXXX TX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ph # XXXX XXXX XXXX Consumer Solution XXXX PA XXXX XXXX  # XXXX Thank I did not request any credit check so please continue to disregard and such request. And thank for their vigilance XXXX XXXX
Product: Credit reporting or other personal consumer reports

Earlier today, I discovered incorrect accounts on my credit report, and I have no clue how they appeared. I routinely check my report, and everything has always been accurate until now. Hoping it was a minor glitch, I refreshed my browser, but the inaccurate accounts remained. Due to this issue, I kindly ask that the documents I submitted be carefully reviewed so I can finally put this concern behind me.
Product: Money transfer, virtual currency, or money service

For the last XXXX months, despite several efforts and trying to communicate with CashApp, I have had CashApp customers calling me regarding fraudulent charges to their Cash cards. 

My online store is called XXXX. The fake merchant is using a similar name, " XXXX XXXX XXXX XXXX  '' to create fraudulent charges, so because my physical address is XXXX, XXXX, when people XXXX " XXXX XXXX XXXX XXXX  '' they are coming across my business, contacting me, and requesting their money to be reimbursed. 

CashApp obviously has a security breach because one customer canceled his card, received a new one, and the infamous " XXXX XXXX XXXX XXXX  '' struck yet again. CashApp is not protecting their customers ' privacy, and there has been absolutely no resolve because CashApp continues to allow this fake merchant to process payments. Surely there is a merchant account connected to this fake merchant, so the fake merchant should have been tracked by now. 

I am asking for your assistance with this matter because, as a small ecommerce business owner, this is taking time away from my full time job as well as taking concentration away from my online store and smearing my business name.
Product: Student loan

I applied for the XXXX student loan repayment plan through studentaid.gov on XX/XX/XXXX, for my federal loans serviced by Nelnet. The XXXXXXXX website says my application was " processed '' on XX/XX/XXXX, and said my servicer completed a review of my application on XXXX. I received an e-mail on XXXX from Nelnet saying they were reviewing my application and that if they had not completed this process in 10 days I would receive another e-mail. Their website states they are still reviewing my application, and I have received no further e-mails or updates from them. I was issued a billing statement for the month of XXXX on XX/XX/XXXX for an amount that did not reflect the amount I was quoted by studentaid.gov for the XXXX plan, due on XXXX. I submitted the full amount of this payment on the date it was due because I did not want my account to be delinquent. In looking for help resolving this issue, I read the following statement on XXXX : " If you applied for the XXXX XXXX close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' This clearly did not occur, and Nelnet is showing a bill due in XXXX for the same amount ( which is about twice what I should be paying with XXXX ). If Nelnet could not process my application in time, they should not have charged me at all, according to the government website. They also stated they would provide further communication through the review process if it took longer than anticipated, and they have not. I am also attempting to resolve this with Nelnet, but the wait to speak to a phone representative is often several hours long, which is also unacceptable.
Product: Credit reporting or other personal consumer reports

Midland Credit Management has unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$690.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. Midland Credit Management has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against Midland Credit Management XXXX I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, XXXX phone was stolen and the thieves were able to access my online banking and gmail. I called Wells Fargo first thing the next day and asked to have my online access XXXX. When I started receiving overdraft notifications I visited XXXX at my XXXX XXXX branch and learned that access was never XXXX. Multiple money transfers were made as well as a XXXX fraudulent check being deposited. Wells Fargo made it impossible to open a new account by reporting me to XXXX XXXX. Despite multiple attempts by XXXX, the personal banker, nothing has been done to help me.
Product: Mortgage

I applied for Covid 19 payment relief last year. Wells Fargo assisted with that. However, after coming out of forbearance, Wells Fargo explains that there are two options : repay the debt OR they will move the payments to the end of the loan. No where in that explanation on their website or during the conversations does it say they are going to place a second lien on my home. I will say that I signed paperwork that had the second company 's information on it. However, I have no idea what that information translates to and I find it infuriating that Wells Fargo simply stated " the balance will be moved to the end of your loan '' and not that a second lien will be placed on your property. That information is too vital to leave out. Failure to include that is negligent. Now I am in the middle of a refinance and I can not proceed until this amount is paid in full. 

I understand my responsibility as a homeowner. However, I have a limited understanding of these terms which is why I asked what my options were and I did ask questions. I knew the life of my loan would be extended, I knew I might pay more interest, and I was okay with that. But I knew nothing about a second lien and nothing about not being able to refinance. That should have been explained to me. That was the responsibility of Wells Fargo and they failed. 

This feels deliberate. They withheld information. This is a pandemic and I have no idea if I will be able to come up with the funds to pay for this, which is why I chose this option in this first place. Now I can't refinance with a different company. Why else would they fail to explain to people, upfront, the second lien that HAS TO BE PAID before refinancing can take place? This should be a signed document that people have to read and acknowledge they understand. A second lien is being placed on your home. This is the company you contact regarding your second lien. This amount must be paid in full before refinancing can take place. FYI, this is based on the type of loan that you refinance with but still. I should have been told.

Wells Fargo is a corporation so they do not have to face consequences. EVER. It is absolutely ridiculous that they can outright LIE and no one holds them accountable. Omitting the truth is lying. They are not moving the balance of people 's Covid relief to the end of their loan. They are selling their debts and placing second liens on their homes but that is not what their website says and that is not what they tell you when you call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX My credit has been effected since XXXX XXXX  trying to collect from me XXXX that credit card was not mine. I have submitted a claim in my credit report. Need to take this off my credit report.
Product: Credit reporting

This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.
Product: Credit reporting or other personal consumer reports

this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, XXXX, XXXX, XXXX : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}
Product: Mortgage

Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business. 

XXXX XXXX