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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Well I requested Experian remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but Experian will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for Experian to delete the incorrect information immediately off my report
Product: Debt collection

I closed my XXXX XXXX XXXX Comenity Bank ) account in XXXX after making a payment of {$160.00} toward the outstanding balance. I believed the account was fully settled and never received correspondence regarding this balance. However, when I reviewed my credit report in XXXX, I was surprised to find a negative balance of {$230.00}. 

Throughout the year, I made multiple attempts to contact Comenity Bank, including sending an email, but I received no response. I was finally able to speak with a representative today, who informed me that was a {$2.00} balance ( no explanation as to where this payment came from ). Interest and late fees accrued on this balance, increasing the amount owed to {$230.00}. 

Despite my efforts to resolve this issue, I have been unable to get adequate support from Comenity Bank. Their handling of this matter constitutes a violation of the Texas Deceptive Trade Practices Act.
Product: Credit card or prepaid card

Comenity XXXX  XXXX XXXX to XXXX XXXX Credit Card. never published the ending date of my promotional period. Called and emailed them on several occasions and was never given an answer. Received my bill this month with interest charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized
Product: Mortgage

I had applied for a Chase refinance XX/XX/XXXX. The mortgage rep. I was assigned was XXXX XXXX. We had a few conversations on XX/XX/XXXX, and XXXX had pressured me into applying for the refinance, as our rate ( with purchasing points ) was a few percentage points less than our current mortgage. XXXX was aware of how long we had been in the home, that we had rental property, and the circumstances surrounding my wife switching jobs last year. By XX/XX/XXXX, we had submitted all required documents to either XXXX or through the online portal. Then on XX/XX/XXXX, XXXX came back and said we would need to have copies of our XXXX taxes in order to move forward. At this time, I asked if the {$500.00} fee could be waived as we were completely compliant. We had a trip planned from XXXX, so the stress of losing that time weighed on us heavily. XXXX also threatened us with penalties if we did not close within a certain period of time, even though interest rates had actually fallen in this two-week window. I was worried about missing the opportunity to refinance at lower rates, and was unhappy with XXXX 's pressuring tactics ( when we acted extremely quickly ), so I contacted the current lender on our home. They offered us a loan modification, with a slightly higher interest rate, but no closing costs rolled in, so it was a better offer. On XXXX I was able to file my taxes and forward the returns to Chase. On the same day, we received the firm offer from our current lender. On XXXX ( less than 3 weeks after application ), I withdrew my application from Chase. I again requested a refund as a result of their service. My request was denied. I requested a supervisor 's email. No response. I followed up on XX/XX/XXXX, and finally received the contact information for XXXX XXXX. On XX/XX/XXXX I laid out the entire situation to XXXX, explained that we had been long-time Chase customers ( 8 credit cards and 1 car loan over 13 years ), and that all we wanted was our refund. Since we never left the underwriting  phase, Chase did not incur any costs other than the credit application. No appraisals, searches, or surveys were ordered. Again, NO RESPONSE. I followed up ( again ) on XX/XX/XXXX. XXXX responded saying another lending manager reached out to me ( I have no messages, missed calls, etc. ), and that he could not refund the fee. At this point, I would strongly recommend avoiding Chase for mortgages. Their rates may lure you in, but their service can not back them up. We withdrew our application as the terms/conditions/requirements changed on us.
Product: Vehicle loan or lease

I requested that the approx $ XXXX UNEXPLAINED service fee be removed from my remaining loan balance of {$9900.00}. 
Then for the preceding car payments, that I made on time to be applied so that I can pay off the remaining balance with the XXXX of % XXXX. 

Instead, my credit report is showing a charge off of almost $ XXXX???? I would also like to include, that I spoke to them on week of XX/XX/23 and requested that they provide me with an ammended document that included initial car price as well as my deposit of {$1100.00}. 

I bought this car specifically for my doctor visits and made it clear that I did not want an expensive car. 

Why would I agree to these terms?
Product: Credit reporting or other personal consumer reports

Pro collection balance XXXX XX/XX/year> I do not have an account with them I dont know why they are in my credit report I believe this is some fraud or data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint regarding some late payment I received in XXXX of XXXX. In XXXX, I lost my job due to my current company having to lay a lot of people off to recover from all the losses that were taken during Covid-19. I have been a long-term faithful customer of One Main since XXXX and have never missed a payment. I sent a good will letter on XX/XX/XXXX, asking One Main to remove the late payment and the company sent me a generated letter advising me that it couldnt be removed. I feel as if the company is discriminating and not investigating the full details of my account. Everyone didnt lose their job during the peak of Covid-19. Some people were fortunate to maintain employment. During the peak of the pandemic, all companies offered customers all kinds of different support to help avoid late payments or loss of their homes, cars, etc. A lot of people were using the pandemic to abuse their creditors, unemployment, and state government funds. People like me who maintained their employment still made on times to all my creditors but once my job laid me off due to Covid-19, it seems as if none of the relationships I built with all my creditors cared to help me and it hurts to know that the relationship isnt valued. If a customer who has never paid their account late in years starts missing payments, the company should know something is really wrong and offer help. I would like someone to really investigate the issue of the late payment I received and remove the only late payment I have ever received from my credit reports. This late payment is destroying my credit worthiness.
Product: Credit reporting or other personal consumer reports

I had an auto loan through XXXX XXXX XXXX XXXX XXXX, but the vehicle became undrivable. To settle the account and have it removed from my credit report, I worked with XXXX XXXX XXXX, XXXX, which helped me negotiate a settlement of {$5500.00}. This payment was made on XX/XX/year>. 

Afterward, I contacted XXXXXXXX XXXX XXXX  to inquire about removing the account from my credit report, but they refused to provide any timeline or information. Since this issue prevents me from purchasing another vehicle, I filed a dispute with XXXX on XX/XX/year>, attaching the settlement receipt and satisfaction of judgment. XXXX closed the investigation on XX/XX/year>, without updating my credit report. 

I filed a second dispute with XXXX on XX/XX/year>, including the previous documents and an emailed statement from XXXX XXXX XXXX confirming a {$0.00} balance. However, XXXX closed this investigation on XX/XX/year>, again without updating my report. 

Since then, Ive received court documentation confirming the case is satisfied and an email from XXXXXXXX XXXX XXXX stating the payment was made, yet the account remains unchanged on my credit report. This is critical, as I can not proceed with purchasing a new vehicle until the account is updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying through XXXX  and Rushmore to have the delinquent status of the Rushmore removed from my credit report. I filed a dispute with XXXX  and supplied documentation from Rushmore of the payment accurately made and that Rushmore had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information XXXX  has and investigation of the dispute not handled and below is the email received on the XXXX  dispute Results Report Number : XXXX Date Generated : XX/XX/2020 RUSHMORE LOAN MGMT SER Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from Rushmore acknowledging ( which has been supplied directly to XXXX )
Product: Checking or savings account

Greetings, On XX/XX/2023, TD Bank froze my XXXX checking account with the balance without any notice. I am being transferred to the TD Levy department. However, the supervisors and representatives do not provide me with any information or documentation regarding what are the status of the account and the rationale behind this action. The account is marked with TRO, which I assume could mean temporary restraining order. I have no assumption about what this could mean but before I take legal action against this company that I banked with for years and file the lawsuit, I would like kindly ask TD Bank for a resolution as well as the details of what happened to my account. This is my second time attempting having communication with my bank. 

Best Regards
Product: Checking or savings account

During the pandemic I filed for unemployment with the state of Nevada, I was under the impression that I was denied, until I received a email from the state of Nevada about paying taxes on funds that were paid to me. I contacted the state of Nevada unemployment agency, who then advised me they paid Bank of America nearly {$40000.00}. I was then advised to contact Bank of America to retrieve my funds. When I contacted Bank of America and explained my situation. I was told that all of the money that was paid by my sponsor, had already been spent. I then started filing for unauthorized use and transactions for the whole amount. It has since been proven that my mail was rerouted from my address, where I was living at the time of my first initial file. I filed an identity theft affidavit with the IRS, multiple identity theft complaints with the FTC identity theft.gov. I filed police reports and more. As of today Bank of America has paid me {$9.00}, XXXX out of {$41000.00} stolen. They have given written proof that they were in the wrong and allowed someone to steal my money. Yet they continue to deny my claim for {$21.00}, XXXX on a general basis, which is completely illegal and done by a machine. I have refiled and complained numerous times and I'm getting nowhere. I have given Bank of America sufficient evidence and documentation, yet they still have not paid me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX that a collections account was added to my credit report. When I looked at my credit report, I found that it was from a medical office. I never received any correspondence or phone call from the medical office or the collections agency that this bill existed. My credit is ( was ) perfect and I always pay my bills on time, so I was shocked when this showed up. 
I reviewed and followed the procedures on the CFPB web site and sent ( via certified mail ) a debt verification letter to the collections agency asking them for a debt validation letter. I waited 30 days past the date the letter was delivered after never receiving a response. 
I then proceeded to send all 3 credit bureaus a copy of the debt verification letter, a statement about what occurred ( that I was never contacted ), and under the Fair Debt Collection Practices Act, requested that they remove the collection account from my report. 
I called Experian on XX/XX/XXXX asking if they received my letter. They had not. When I explained what happened, they said they need to initiate their own dispute and reach out to the creditor to verify it themselves because they couldn't trust what I did. I told them not to do that. 
I then received an alert the next day that a dispute was created. I called Experian and they said they received my paperwork, but needed to open a dispute, because again, more or less, my proof can't be trusted. I asked them to remove the dispute. I know the difference between disputing and removing. 
Meanwhile, XXXX removed the collection from my account, no problem. I know Experian is not following the proper procedures for this situation and I did what I needed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXdischarged XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2017 Balance {$990.00}
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

Monarch recovery sent me a debt collection and the company is lying about the account and when I made a payment last. This is a XXXX credit account that XXXX XXXX bought after I had a huge issue with XXXX  and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my XXXX account until I get things worked out with XXXX. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a XXXX manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My  graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my XXXX XXXX bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my XXXX XXXX balance to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAP ONE NA ( XX/XX/2021 ) ( XX/XX/2021 ) and I have no recollection of doing any business with CAP ONE NA. I contacted CAP ONE NA and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Debt collection

The company PREFERRED COLLECTION & MANAGEMENT SERVICES, has continued to reinsert previously removed non-factual debts. At this time, this company has reinserted the same debt multiple times causing ongoing credit detriment. PREFERRED COLLECTION & MANAGEMENT SERVICES should immediately remove this debt and cease and desist from any and all further collections effort in whole or in part. PREFERRED COLLECTION & MANAGEMENT SERVICES is further advised that pursuance of this matter may be subject to litigation and subject to any and all remedies deemed reasonable by local jurisdiction.
Product: Checking or savings account

A new checking account was opened with TD Bank without my knowledge or consent. Contacted TD bank was referred to TD BANK fraud department.