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

I recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian, highlighting concerns about inaccurate credit reporting and dispute handling. Unfortunately, I believe I've been directly affected by Experian 's practices. 

Despite my earlier dispute, I received a response stating that the accounts were " verified. '' However, I strongly disagree with this outcome and believe that Experian 's investigation was inadequate. 

The CFPB lawsuit reinforces my concerns about Experian 's handling of consumer disputes. I'm requesting that you re-examine my dispute, considering the new information and the CFPB 's findings.
Product: Credit card or prepaid card

I have been an AMEX Card holder since 2018. Paid my statements on time ; sometimes than the minimum. AMEX refuses to increase my credit limit.
Product: Mortgage

The borrower is deceased and the successor trustee ( the daughter XXXX XXXX ) is working to secure the property and get it sold. People that are illegally occupying the property have direct contact with the lender and are making payments directly. I have contacted to the lender to set up additional security to stop this contact and these direct payments. SPS has stated that they have no way to assist with making the account secure to assist customers with account access protection.
Product: Credit card

I have been a credit card holder at Chase since 2006 under the Chase Freedom card. Upon review of my account, I called to inquire to see if I could change my card to a XXXX card, so I could benefit from the travel rewards that are gained through purchases. I went online and saw that they were offering XXXX points for the first {$4000.00} purchased in the first XXXX months, as well as various other features. During my phone call the woman who assisted me told me that she could change my account to the XXXX without an issue. I asked numerous times ( the call was recorded ) that as soon as I receive my card that after I make a {$4000.00} purchase that the XXXX points would be applied to my account. She said yes. I confirmed a few more times, and she said yes. She also stated that she would keep my existing 9.24 % APR, and wave the {$95.00} fee for the first year, which was another feature advertised on the website. I received my card yesterday, called to verify it was up and running and that I could make the {$4000.00} purchase to gain the XXXX points and was told that the XXXX feature ONLY applies to new customers, not an account switch. Not at anytime was this told to me, but rather the complete opposite, and it was confirmed multiple times. I explained this, asked to speak to a supervisor, and was told that the {$95.00} fee was going to be waved, as well as keeping my 9.24 % rate, but the XXXX points would not be given after my purchase of {$4000.00}. The supervisor told me that was only for new customers, I explained that my conversion, on a recorded line apparently contained incorrect information. The supervisor said that they would pull the call and 'reprimand ' the customer service individual who provided me with the wrong information. None of which solves my issue. I explained I was a customer since 2006 and if this was not honored I would be closing my account. They did not seem phased.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Debt collection

Sunrise is reporting to the major credit bureaus that I owe a debt to them but I have not received anything from them stating that they are the original creditor or that I even have a contract with there company. It is a problem for me because the negative reporting is bringing down my credit score. I have a problem with not receiving any communication for the debt. It is not right that I reached out to the credit bureaus and they stated that everything was verified and it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all XXXX bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : 1. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact
Product: Credit card or prepaid card

I paid my account by adding a new payment source. Somehow, my payment was put on my payment stored when I first opened my account. They charged my XXXX account and not my local XXXX account, which I had made a new payment source for on the XX/XX/2020. I wrote a letter with proof I made a new payment source, but they made a third attempt into my account. That's TOTAL OF {$87.00} IN ACH fees on my account. They have changed and are not a part of XXXX anymore. The are a part of Citibank that has given me tons of problems in the past and who are connected to corruption in XXXX County. XXXX County Sheriff 's Department is harassing me, because I refused to prostitute for them and Citibank is helping them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau Equifax almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Product: Credit reporting or other personal consumer reports

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
Transunion has this account listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has this account listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to with the Fair Credit Reporting Act, Pendrick Capital Partners, LLC, Account # 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 602 A Section II also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

State collection services in the amount of {$420.00} dollars under dispute since it was first reported to credit agencies in XXXX  2016. Company has repeatedly failed to provide information substantiating debt claim. No account statement or report of any kind has been received despite requests.
Product: Credit card

I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ; let XXXX XXXX XXXX know that I would be on leave without pay sure to XXXX XXXX issues.

XX/XX/XXXX : notified XXXX XXXX XXXX that payments would be starting again in XX/XX/XXXX due to returning to work.

XX/XX/XXXX : called XXXX XXXX store to payoff loan completely and the lady in the phone refused to take my card. I let these people know everything along the way and because they refused payoff I'm in trouble. I'm on a waiting list to medicially retire. I have no income anymore.

XX/XX/XXXX : contacted XXXX XXXX XXXX on XXXX XXXX as soon as I realized they put me as a charge off. I asked her to pull the cal and give me a letter about that conversation.

Today : haven't heard back after she said her or Corp. will call me back in 24 hours.

I truly believe this company is out to hurt the poor. They have poor customer service and its sad because I've had loans through them prior before they changed their employees. Now they won't take a card payment but want my money makes no sense to me. I need help with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now XXXX is reporting installment behind and pending to TransUnion. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This is my multiple 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 items : 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: Consumer Loan

I have a car loan with Mazda Capital Services ( serviced by Chase ). My minimum monthly payment is {$290.00}. I have paid, from the beginning of the loan on, {$300.00} each month, with the expectation that the {$9.00} paid over the minimum monthly payment amount be applied towards principal on the loan, reducing the principal for the remainder of the loan, and in effect also reducing the interest for the remainder of the loan. 
Upon reviewing a monthly statement from Chase, I came to the realization that Chase has been applying the monthly payment overage to the following payment by default. 
I contacted Chase on XXXX/XXXX/2016 at XXXX XXXX XXXX, and spoke with a representative by the name of XXXX XXXX I explained to XXXX that applying payment overage to the next monthly payment coming due is not in the best interests of the consumer, as it effectively cheats them out of the reduction of principal and in effect, reduction of interest the consumer would see for the rest of loan. 
I asked XXXX to reapply my payments retroactively so that the overage from the first payment made on the loan on has any amount paid over the minimum monthly payment amount applied to principal, in effect reducing the interest paid from date the payment was made on, due to the reduction in principal that occurred on the date the payment was made. 
XXXX stated she could only reapply the amount paid towards the next payment currently coming due to principal. 
I explained to XXXX how doing that would reduce the principal as of today, and in effect reduce the interest paid on future payments from today on, but would, whether intentional or not, effectively cheat me out of the reduction in principal and interest I would have seen had the monthly payment overages been applied retroactively from the first payment made on the loan on, as I had requested. 
I insisted XXXX honor my request and have the payments reapplied as I requested, retroactively, and asked to speak with a supervisor. XXXX advised me that she would have a supervisor contact me in 24 hours. 
I explained how I feel that a business open for business should have a supervisor available when I call in, stated I am willing to wait on the line to speak with XXXX, and that is unacceptable to have XXXX call me back in 24 hours. 
I work XXXX jobs during the week, and called on a weekend because this is when I have the time available, and see the call back as a way to prevent me from following up and resolving this issue. 
Ultimately, XXXX agreed that her only option would be to have a supervisor call me back in 24 hours, so I am unable to wait on the line to speak with a supervisor to resolve this today, not due to my own decision, but rather due to Chase 's choice in how they do business.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since the inaccurate accounts are still there, I request a thorough review of the documents I've submitted so I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I received a phone call from XXXX XXXX XXXX, the collections agency, saying a small medical bill had been sent to them after the medical provider had not received payment. Come to find out, the medical provider had mailed it to the incorrect address and did not attempt to contact me when payment was not received before turning it over to a collections agency. I was in college at the time and thought my parents had taken care of the bill. I found out in XXXX XXXX that the bill had still not been paid, upon which I paid it immediately. XXXX years later, my husband and I are purchasing our first home and are applying for a mortgage. Our mortgage broker notified me that my XXXX XXXX was being severely impacted by the collections claim still appearing on my report. Although the balance shows {$0.00}, XXXX XXXX XXXX is still reporting this to Equifax, which is the score the mortgage broker uses to pull credit. MDS is not reporting it to the other credit bureaus and my scores are above XXXX with them, while my Equifax score is XXXX. Because my credit is so high without the collections claim, I called MDS and spoke to XXXX different people, all of who refused to remove the claim. I also left a voicemail with the head of XXXX who never returned my call. I also called Equifax who told me they have no control over what is reported to them and can not remove it. Obviously, my husband and I are now receiving a worse interest rate on our mortgage because this claim is still being reported XXXX years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my credit report that I did not authorized and have notified XXXX, Equifax and XXXX that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$5700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

forbearance steering, resulted in higher fees and interest for me to the point where it increase my loans by a extra {$15000.00} extra dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reported to  Consumer Finance,  they respond in a huge double-talk, non-sense explanation which I do not accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$94.00} 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  If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.
Product: Debt collection

I had XXXX on XX/XX/2018 and it took a year for the claim to be paid. Somehow this went to Capital Accounts LLC. They have continually lied to me falsely reporting to my credit report to include made up numbers. Spoke with Original Creditor and they emailed me stating they told the account representative at Capital Accounts, XXXX XXXX, to remove this account from collections. They still refuse to stating now I owe a different amount now. Will pursue a lawsuit next if this doesnt get fixed within two weeks. This is absurd!!
Product: Credit reporting or other personal consumer reports

The following address are non mailable address. Please remove them from my credit report. XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Also remove the following employers. I do not work at any of these jobs. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still reporting as open  and past due. 
This account was charged off so the company is falsely reporting information on my credit files.