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

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting or other personal consumer reports

I am filing a claim against Experian credit bureau for not following the regulations by actively checking into errors on my credit causing me to have to over pay in rent. This had cause me monetary loss because of the negligence of a company I trusted to follow proper protocol in Order to resolve my issues. I am seeking monetary repayment for this inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, The account listed as " XXXX '' with Account number : XXXX, Account status is misleading : showing different per bureau. I have attached a full 3 bureau report with inaccurate reporting. XXXX and XXXX do not show this account. 

Can you delete this from my EQUIFAX consumer report ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting or other personal consumer reports

I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards. 

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 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: Credit reporting or other personal consumer reports

I am writing to formally request that expired accounts be removed from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I noticed that the following accounts have exceeded the reporting time limit of seven years but are still being reported the credit reporting bureau Experian has failed to remove outdated names and addresses for my account. My full name is XXXX XXXX. Any other names are incorrect.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle with Bank of America being the lien holder of title. I made my 1st payment in XXXX, XXXX I get a statement showing I owed for a payment they accepted I called Bank of America spoke with several customer service reps, Managers until finally I called XXXX XXXX news, who made contact with social media XXXX, contact number of XXXX, extention XXXX. I explained to XXXX since the beginning of XXXX XXXX I have spoken to 3 managers until XXXX was notified, I informed him I faxed proof of 3 payments of XXXX and I never missed a payment and Bank of America has placed a DELINQUENT ACCOUNT to my credit score, with all three credit Bureau 's. XXXX advised he would investigate the issue and I explained in detail who I spoke to, how many times and was informed it was an error on their part. However never corrected my credit score. 
XXXX XXXX, XXXX I received a letter from Bank of America stating the error was corrected and where sorry for any inconvience the caused. Friday XXXX XXXX XXXX XXXX from Bank of America called advising they will have my XXXX XXXX corrected remove any derogatory comments and will contact me to follow up on Thursday XXXX XXXX, XXXX. 

Well I checked my credit score and nothing was changed, still showing DELINQUENT on all 3 credit Bureau 's. I did file a complaint with XXXX case # XXXX. 

I will attach the letter and documents showing Bank of America was in error and has done nothing but make false promises. 

I am requesting Bank of America to correct my credit score to the way it was prior to there era of having computer issues and causing undue stress and causing problems to have a chance of refinance our mortgage, I request a full written apology and to act upon this forthwith Since XXXX XXXX, I have spoken to customer service rep XXXX, XXXX, and XXXX, who removed the XXXX dollar late fees, along with speaking with Manager XXXX XXXX, Manager XXXX, and given a reference number XXXX, promising they would correct my account since they caused this issue ruining my credit history and on XXXX XXXX, XXXX I spoke with a XXXX XXXX who promised he would have a Manager contact me, which never occurred. In addition I already received a letter of admitting the era with no one having any knowledge. 

I spent 2 to 3 days a week trying to get this resolved since beginning of XXXX being on hold, speaking to numerous employee 's, Mangers, etc, with no positive results but a letter and false promises
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as XXXX continue to report a bankruptcy in my previous name.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows XXXX XXXX  Account Number : XXXX  Account Status : Closed Original Creditor : XXXX  Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : 2 months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), Equifax failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, Equifax did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, Equifax continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees.

3. Double Reporting of the Same Debt Violation : Equifax is currently reporting both the original XXXX account and the new XXXXXXXX XXXX XXXX account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees.

Requested Action : I request that Equifax take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX ) from my credit report as per FCRA 605B.

2. Remove the XXXX XXXX XXXX XXXX  account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report.

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations. 

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

I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is NATIONAL CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I have tried to get Bank of America to do a removal from my credit report on old mortgage debt that was paid over 6 years ago in a short sale. I have requested several times with no resolve could you please help Im trying to clean up my credit to buy a new house and I believe I deserve another chance. 

Short sale XXXX Amount-XXXX Thank you
Product: Student loan

I asked how much my monthly payment was and they told me it was XXXX but that is not adding up. My monthly payment is XXXX but they are already assessing a late fee even though it has not been past XXXX and they want XXXX also. They can not explain to me where the extra XXXX is coming from and told me late fees have not been applied when it is not true. They are assessing late fees for a payment that is not late beyond the XXXX date. I told them I was not going to pay until options have been provided to me and I also filed a FERPA complaint to make sure no privacy rights were violated.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX Dear Experian, This letter is being sent to you in response to a recent charge of {$600.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that somebody was trying to obtain credit at XXXX XXXX XXXX XXXX a car dealership in XXXX California with my social security number. I called the dealership and they said not to worry that they would take care of it and honestly I don't believe they can.
Product: Student loan

I have XXXX loans with XXXX XXXX, serviced by XXXX XXXX. I refinanced these loans through XXXX, serviced by XXXX. Loans were paid in full by XXXX on XX/XX/XXXX. These loans were overpaid by {$840.00} and {$630.00}, for a total of {$1400.00}. XXXX XXXX advised me that it usually takes XXXX days for my new lender/servicer to receive the refund check. After calling customer service on XX/XX/XXXX, I discovered that the " extract date '' of my refund was XX/XX/XXXX, and that it usually takes 30 days for checks to be cut and sent after the extract date. However, amounts over {$500.00} take additional time because they need to be individually reviewed. 

It is now XX/XX/XXXX and XXXX has not received the refund check. I have called customer service multiple times over the past few months. Some of the more recent calls to customer service include the following : XXXX - customer service advised that refund check should be going out the following week, provided ticket number XXXX, and agreed that I would get a call or email confirming when the check went out. XX/XX/XXXX - after not receiving a call or email, I called customer service and provided the ticket number, who indicated that they escalated the issue with the payment team and I could expect the check to be cut and sent by the following morning at the latest, and that I would receive a call or email confirming when it went out. XX/XX/XXXX - after not receiving a call or email, I called customer service, referenced the ticket number, and they could not provide an update. 

Given it has been over 90 days since I refinanced, I expect answers as to when my new lender/servicing company will receive my money. I also expect the XXXX to address the poor customer service I received and its lack of attention to communicated timelines.
Product: Vehicle loan or lease

As start I am non XXXX visa  holding work permit for 3 years ended on XX/XX/2021 but I was giving a car loan for 6 years and now I am not be able to finish it because my work permit is expired on XX/XX/2021 and when I was told to sign the contract they did not ask for my visa or work permit I did not know at that time because I did not get chance to think about it I was under pressure by the salesman what can I do?
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX and M & T Employees, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day 1, being short and disrespectful about men surviving XXXX XXXXXXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EXPERIAN INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : INQUIRIES : XXXX XX/XX/2022 XXXX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. 

* CheckSystems - Removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax requesting that they verify inquires on my report. It was confirmed received on XX/XX/XXXX. I received a letter back reporting that they can not complete the request. 

The inquiries are from the following : XXXX XXXX Bank XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX Bank XXXX XX/XX/XXXX
Product: Mortgage

My complaint is against United Wholesale Mortgage. I contacted them in XX/XX/2023 to let them know that I was experiencing a pandemic-related financial hardship and requested a CARES Act forbearance. I was told that as my account was current as of that date, I would need to cancel my autopay and then wait until after XX/XX/XXXXo call back. I called back on XX/XX/2023, and was approved for a forbearance plan with an initial expiration date of XX/XX/23. A copy of this approval is attached to this complaint. 

Since that time, I have received several notices regarding my " recently missed payments '' - these notices do not acknowledge the approved forbearance plan and instead advise on derogatory credit reporting, possible foreclosure, deed-in-lieu, and short sale. I called them on several occasions about these notices and am told they don't know why they keep being sent and each representative has confirmed I'm in an active forbearance during those calls. Copy of notice attached. Multiple notices have been received, one included due to page limits for uploading. 

I've also received several calls from United Wholesale asking me if I intend to keep the property, advising me of the total currently past due, and asking if I can make a payment. When I mention the forbearance plan, they acknowledge it and then continue asking for payments and threatening foreclosure or negative credit reporting. 

These calls are incredibly upsetting. The notices and calls all lead with the intent to instill fear in the consumer. These are not " calling for a friendly update on your financial situation '' calls. I took the responsible path and was proactive in contacting the company and making arrangements before any " debt collection '' activity was needed on their end. Why am I getting treated as though I have no forbearance in place? 

My mortgage statement also states that I'm 75 days delinquent and may face foreclosure before another paragraph finally acknowledges the active forbearance. Copy provided with this complaint. 

I understand that the payments during the forbearance will still be due and are not forgiven. I also understand the options available at the end of the initial forbearance. What I don't understand is why I'm being threatened with foreclosure and pressured into making payments that are currently suspended while under an active plan.
Product: Credit card

Applied for an Amazon.com rewards visa card, was promised a {$70.00} Amazon.com gift card upon approval, but was only issued a {$50.00} card.