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

submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Product: Debt collection

Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX XXXXXXXX XXXX in the amount of {$610.00}. I contacted the company and informed them I had never applied for this card and that the charges did not belong to me. I requested a copy of support of me applying for the card and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

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

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX XXXX' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Product: Credit card or prepaid card

American Express has been contacted with over 6 phone calls with AMEX fraud department without any resolution since XXXX XXXX, 2022? 
- two AMEX tracking numbers of fraud without resolution from AMEX fraud department are ; XXXX and XXXX ; there have been at least two fraudulent AMEX cards issued in my name after original contact with AMEX ; WHY? 
- XXXX monitoring also later reported on XXXX XXXX another second new AMEX XXXX FALSELY issued to my name XXXX that is NOT mine... and even with subsequent reporting several times to AMEX without any action or resolution? WHY does AMEX NOT correct my account or contact me with any action or status after weeks? 
- additionally ; originally AMEX rep issued a different replacement credit card in my name on XXXX XXXX unknown to me and shipped to different address in NC... WHY? 
- Please note ; it took several AMEX fraud rep phone calls to get only one credit card cancelled ; but yet second fraudulent credit card still exists on my XXXX reporting ; WHY? 
- Please note ; AMEX in error actually cancelled my active credit card without my request or permission and a replacement card needed to be issued... 
- NO follow-up phone calls have been received even though requested from AMEX management or from any reps on FALSE reporting or fraud credit cards being issued by AMEX fraud department in my name ; WHY?
Product: Credit reporting

My sister 's information is showing up on my credit report. This has become an issue because her bad debt is causing my credit score to drop. I need to know how I can get her information removed As Soon As Possible!!! A credit report has already been run. The Report # is XXXX. I do n't wish to have my credit run again as a hard inquiry as this will also reflect badly on my report. I was told that this report # would suffice for the issues in question.
Product: Money transfer, virtual currency, or money service

Dear Sirs, This is my complaint against GOLDMAN SACHS BANK USA. 
My company sent the payment # XXXX XXXX XXXX XXXX to XXXX XXXX  XXXX XXXX. XX/XX/22 in the sum of XXXX USD, i.e. 4 month ago. 
My payment provider XXXX insists that the payment was executed. But this is not true. As XXXX confirmed later, the payment WAS NOT EXECUTED by their correspondent bank ( XXXX GOLDMAN SACHS BANK USA ). As a result, the money didnt reach the Beneficiarys account. 
XXXX confirms that weve provided them with all the requested documents at the same day of request. 
No one from the participants of the payment was not under the sanctions/restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Product: Mortgage

I went into lost mitigation with Santander Bank N.A. in XXXX due to COVID-19. I started making payments in XX/XX/XXXX and signed and notarized loan documents in XXXX XXXX, My mortgage statements do not reflect the loan modification and they have reported me to the credit bureau twice saying I am behind on my payment, when I am not. They have corrected these mistakes, but it keeps happening. 
I signed new loan documents XXXX XXXX because they said there was an error on the last one signed in XX/XX/XXXX. 
Since then I have been working with the assistant manager, XXXX XXXX, but they have still reported me to the credit bureau yet again saying I am over {$20000.00} past due on payments when I am not. 
I still can not sign into my online banking and have the correct mortgage amount listed as well as the correct interest rate, monthly payment due, and term dates. 
I have not yet received monthly statements, reflecting these changes either. 
Something needs to be done. This has been going on for two years now.
Product: Credit reporting or other personal consumer reports

inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX. XXXX XXXX. XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Mortgage

Mr. Cooper is illegally trying to inflate the value of my home. At issue is a short sale request that was submitted on XX/XX/19. At the time there was a value dispute from a previous offer that had to be completed before they would review the new offer, which in itself is flawed. However the issue is that Mr.Cooper is supposed to order a new value due to the new offer and the fact that the previous value was completed in XX/XX/XXXX. Lender ordered values are only good for 3 months yet Mr. Cooper is illegally trying to inflate the value by stating their XX/XX/XXXX value is still good. Mr. Cooper very well knows property values have been falling in CA for the past 3 months. They are illegally trying to inflate the value by refusing to do what is legally required and order a new value. This is unacceptable and Mr. Cooper needs stronger oversight. It's a wonder how many other people are being illegally foreclosed on due to Mr. Cooper refusing to update values in falling markets.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I gave automation finance my social security only to approval from a car loan through them specifically however they ran my credit through multiple different banks and lenders without my permission.
Product: Credit reporting or other personal consumer reports

Could you please get rid of these inquiries? I am not informed about this, and the company did it without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had fraudulent inquiries placed on my credit report since XX/XX/2016 I have tried multiple times to address the issue with TransUnion with no help whats so ever. All the other bureaus have flagged my account for fraud alert and remove my inquiries. Transunion still refuses to do so. I have multiple attempts all day and all night at trying to run credit cards on my credit report. No one from Transunion is willing to help me and I am sincerely tired of trying with them.
Product: Mortgage

An OCC complaint is being filed on behalf of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX, NY. This complaint describes the unnecessary denial, the duplicity shown in negotiating the file, and how getting answers that should be disclosed immediately under federal law became a trial in and of itself, comparable in despair-inducing frustration. 
As Wells Fargo and its underwriters ' has seen fit to deny XXXX XXXX ' loan modification, by simply stating the loan was denied due to not providing valid documents. We have complied with this back and forth for some time, since XX/XX/XXXX immediately supplying documents as requested. Please note, XXXX XXXX attempted numerous modifications on his own, with the result of countless denials, DUE TO LACK OF DOCUMENTS, and no specific clarity to why they are requesting such documents. Ie : social security numbers for each tenant or photo ID for each tenant and countless bank statements or proof of address for each tenant. Explain this ridiculous and unprecedented RECENT denial. 
The Law Office of XXXX XXXX has made countless phone calls requesting updates on the modification review and was advised that more and more documents were needed. Not to mention, the last few mediation meetings resulted with Wells Fargo 's attorney remaining clueless on the fact that the loan was currently under review with Underwriters. We not only have to call and confirm that everyone is on the same page, but with each mediation visit, we feel compelled to supply proof that documents are being submitted to Wells Fargo. This is clearly a waste of everybody 's time. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process, including, XXXX XXXX, who had no clue of the process and XXXX XXXX, whom we never get a chance to talk to since the loan was assigned to her. Since then, I have escalated the file to the Executive Manager Department, currently speaking to XXXX XXXX, ext. XXXX. She too has no luck in finding the accurate answers to why the loan was denied for a modification. XXXX confirmed leaving messages for the Underwriter and one of the Managers- but to no avail. 
This denial comes with the unprecedented swiftness, and it is the belief that XXXX XXXX and his attorney representatives that is was handed down in haste, without due consideration, and without argument there was nothing in the way of explanation as to why Wells Fargo is forcing XXXX XXXX into a position where she will lose is home. This has been going on for five years now. All XXXX XXXX wants to do is go back to making mortgage payments to Wells Fargo with an affordable modified monthly amount.
Product: Credit card or prepaid card

I was a discover card member for over 20 years until my home was visited by four unidentified women threatening to force their way in, making threats they have me and my family social security number snd planned to end us. After discovering the identity of one party it was discovered her relative works at Discover bank based on her social media page. An inquiry was made to discover if my account had been accessed recently snd if they could investigate if it has been accessed digitally by employee XXXX XXXX XXXX previously known as XXXX XXXX. They gave me the run around telling me privacy is their priority and they cant help but no charges were made to my account. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX Never read a response So I cancelled my card in XX/XX/XXXX. 
Yesterday XX/XX/XXXX I accessed my online credit report and noticed an inquiry made in XX/XX/XXXX by Discover. If my card was closed in XXXX how could they do an inquiry? 
I called Discover to pose that vary question and was hung up on So I wrote to the emails listed above and await a response
Product: Mortgage

I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX  has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A 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 IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I received call from Empire Finance in XXXX Ok, Manger XXXX call to my Job. 
XXXX XXXX spoke to co-worker asking for me, but I was with customer at that point. 
so, I called empire finance in XXXX spoke to XXXX told her I will make payment on XX/XX/XXXX plus i may file Bankruptcy soon due to financial. So, XXXX said I have to do what I need to do, then hung up. Then XXXX call back to my Job XXXX XXXX in XXXX XXXX asking for Human Resources Department number for garnishment. So, I explained to XXXX that she can't call my work since I didn't authorize to call work. XXXX said she will just call another office to get that information.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the NATIONAL CREDIT ADJUST still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, we previously contacted you regarding Trans Union and their reporting inaccuracies specifically old addresses Case # XXXX XXXX XXXX. Trans Union did not show in their updated credit report to me that the addresses had been deleted only that the current address was showing, even in their own reports they state that " If we were able to make changes we have done so '' it further states in their correspondence an explanation such as definitions like " Updated, verified, Deleted, so as we have stated, Trans Union did not show those deletions as required by federal law.
Product: Credit reporting or other personal consumer reports

I am disputing the bankruptcy listed on my credit report, as I have a court letter stating it should not be reported. The involvement of an unauthorized third party makes the issue even more concerning. Also, you're the only bureau that is reporting this public record so much so. I want this to be removed.
Product: Checking or savings account

XXXX  by XXXX XXXX debited {$320.00} on XX/XX/2021 and {$300.00} on XX/XX/2021 without my consent. I did not authorize this. I have spoken to them and they say its too late to contact the bank and that it was refunded. Showing on my account. I contacted the bank and they said it has not been refunded. They advised me to contact you. Initially when I contacted the bank they said they would fix it and it would reflect in my account within 3 days. It has been weeks and it is still not resolved. Please advise me on what to do. I also had to get a new debit card which the bank charged me {$5.00} for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I entered into an agreement Pursuant to 15 u s c 1602 ( k ) XXXX federal never provided me an adequate notice with clear and conspicuous pertinent facts of transaction, which caused me to make a uninformed decision.navy federal never informed me about the cost of credit, and the only evidence of the indebtedness was just a computer-generated agreement.according to 15 usc 1602 ( k ) the term adequate notice means a printed notice to the cardholder.further, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. I did not benefited from the transaction which is a violation of 15 usc 1602 ( p ) according to 15usc1602 ( p ) the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet Experian is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX. XXXX XXXX  Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX XXXX XXXXXXXX {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.