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

I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from XXXX  XXXX XXXX. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to Equifax, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with Equifax since XX/XX/XXXX and every time the dispute gets completed they state that XXXX XXXX XXXX is saying that the item belongs to me. How the Item is going to belong to me if XXXX doesnt even have my SSN # and every time I call XXXX they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with XXXX.. 
I dont think Equifax is trying to help me. Every time I talk to agent from Equifax they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.
Product: Credit card or prepaid card

Had XXXX taken from XXXX Bank of America account, I have filled a claim and done everything I can do to get my money back to catch up on bills, I am about to lose my car and house because of this issue and the bank is no help. XXXX being told my claim will be handled when a XXXX is assigned to my claim but that has been 17 days ago. Please help
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint because on April 20, 2024, I requested EXPERIAN 's method of verification per 15 USC 1681i ( 6 ) ( b ) ( iii ) regarding the reinvestigation results of an account I had initially disputed with EXPERIAN connected to XXXX XXXX XXXX through the CFPB complaint number : XXXX. According to the FCRA 15 USC 1681i ( 7 ) - ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. EXPERIAN did not provide me that information and it has now been 17 days. since that request. EXPERIAN is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 7 ) and I want the account removed immediately from my consumer reports.
Product: Credit reporting or other personal consumer reports

VIOLATION OF MY CONSUMER RIGHTS!!! 

15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241
Product: Debt collection

I returned equipment to the local store and that was supposed to be all that was required to clear up this account and the. The phone calls started I asked them to stop calling me. 15usc1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer
Product: Debt collection

I have tried to communicate with both credit bureau and company about removing this debt of my report. This Nordstrom card was my mom who has passed away. I  was an authorize user. They have been contacted back in XX/XX/2017, I don't have exact date. However they are not removing my name off the card and has been passed on my credit report as charged off. I want it removed.
Product: Checking or savings account

On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.
Product: Mortgage

Mr. Cooper did not send the correct amt payment on first property tax installment. They were contacted by county tax collector and given XXXX days to submit the {$10.00} difference or payment would be sent back They did not respond. When second installment came due, Mr. Cooper sent the correct amt, but the tax collector did not process payment because the first installment was considered not paid. That check was also returned. After no response from Mr.Cooper, I was sent the notice of unpaid taxes from tax collector. I started calling Mr. Cooper immediately. I started since XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX. Every call was with a different tech and I had to start with my story from the beginning. Each one telling me that it would take XXXX days to resolve. I was instructed to check on line in my account for escrow updates. Nothing, I have also done the chat on line, requested management to deal with to no avail. I was told that there was an error due to escrow funds being redeposited after my refinance in XXXX of XXXX. I have been issued XXXX different refund check ( XXXX were voided ) for an escrow overage acct. I was finally told to send a copy of my red notice from tax collector because according to their records it shows they were paid. That was sent. Nobody acknowledged receipt or returns my calls or answers my e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need US Bank to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 4 credit card inquires that I didn't make. National credit cards/Airlines. they are XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

I have tried 2 times now to apply for a secure credit card from My bank that I bank with bank of america they have declined My application 2 times now they have told me I don't meet their credit qualifications and I have things on my credit report that want allow me to get a secure credit with the bank that I bank with I have been with bank of america since 2017 and I can't even get approved for a secure credit card when I am putting up My own money for a secure credit card I don't agree with the decision for bank of america to decline My application 2 time 's for a secure credit card I don't agree with bank of america decision for them to declined me 2 times from getting a secure credit card so I can build credit how can I build credit if My own bank doesn't even give a chance to get a secure credit card this is bad business from bank of america bad business at it's finest.
Product: Money transfer, virtual currency, or money service

I have bought some XXXX  from XXXX XXXX and during the transaction I believe someone changed the address to the blockchain which was not the correct address so I los a couple XXXX dollars in XXXX transactions that never got resolved and I am now ready to file a claims, complaint against the blockchain and the url address that intercepted my XXXX  I tried to ask XXXX  XXXX  to fix the transaction by filling a claim with the insurance company that hendeld these types of transactions. XXXX XXXX has records of the transactions please help me out with this matter thank you very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to XXXX. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to XXXX. XXXX needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
XXXX XXXX XXXX, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
XXXX XXXX XXXX, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX XXXX XXXXXXXX {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to XXXX XXXX XXXX, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXX, XXXX  Police report number # XXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that you are Very Busy people there at Transunion and I would Like to thank you kindly for getting me the disputes update dated for XX/XX/XXXX I still disagree with your finding on I believe that you are not conducting full investigation at your location. per the FCRA I have the right to asked you your method Of verification and I exercising my right under the FCRA. per the ftc you must tell me and Provide Physical proof I will be traveling for work off and On and I do asked if you could respond with the method of verification Cfpb site with your document and what have you! Alright XXXX XXXX  XXXX XXXX on page 7 OF 8 dated XX/XX/XXXX I need to know the name and Phone number of who you spoke with employee Id and company address. I need for you to send me Transcript of you sending XXXX XXXX the dispute information and the time and date they responded back to you and what information was sent. The reason I asked you for this information Look at the status update. If you would have conducted a proper investigation the date should have changed to the Month of XXXX and the Year XXXX Transunion you think people are XXXX! Also I will need you to obtain a copy of my check that XXXX me a cancel check and the date that I paid this balance off also I ask you to please also obtain a copy of the check that this company cash on XX/XX/XXXX If you are unable to send any of the information asked for This will be considered an unverified account! Recap transcript of your sending to the creditor vice versa copy of my check that this bank cash on XX/XX/XXXX copy of the check that was used to pay off this charge off! 
name and Phone number who you spoke with and employee Id number also a credit application that was used to open this account again please respond via this site as I will be out of the country. you have 15 days to obtain this information I will be waiting! also You Guys do XXXX reporting look at the File there is not even the original creditor name or account number attached to the report this is a violation of the FCRA You guys are in such a hurry that your work looks like XXXX. But anyway 15 days I will be awaiting your response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 : I filled out the form at XXXX XXXX XXXX  and selected Experian. 
Experian responded with " Sorry, we are experiencing technical difficulties. '' Unacceptable. If they are required to provide the service, failure to do so must have consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never had an account with XXXX XXXX. This error must be removed : XXXX XXXX - {$1700.00}. It's hurting my credit score for to long now. Ridiculous.
Product: Student loan

Salie Mae refused to received payment for the amount of {$35.00} a month back in 2009 during the financial crisis even when I filled out the forms on line but their system did not allow me to print out and not even save by pdf the application since I showed proof of my new employment making 30 % less of my wages. Sallie Mae decided to sell my loan to Navient and I have the emails I sent to Navient but they stop to answer my questions by email and sold my loan to XXXX and this new company two years ago took my re-found check from IRS ( State and Federal ). I was making {$100.00} Payments to XXXX but about 2 months ago I was told by XXXX that my loan was back to Navient just when I was laid off due to corona virus and I am getting unemployment. Navient does not provide me with a contact person with an email address other than their web site and I got yesterday a letter from XXXX stating Navient has not received my payment. I can't pay my loan right now and I can't even pay my mortgage. I need help with Navien with a contact person with an email address because by phone the harassment NEVER stops, so I prefer email and I need help on payments until I get a job.
Product: Debt collection

I had contacted portfolio recovery trying to negotiate a debt from XXXX of 2016 with XXXX XXXX I spoke with XXXX XXXX and also a XXXX who claimed to be a supervisor both were extremely rude would not allow me to talk and very just overall unhelpful and extremely rude I was trying to settle the vet and they were not cooperative
Product: Consumer Loan

I purchased a timeshare and in 2012 defaulted on the loan due to being laid off. I was contacted by XXXX the original creditor and was offered to sell back my timeshare to my understanding at the time I filled out the ppwrk but never received the {$200.00} it is now showing on my credit report as a foreclosure. I contacted Equaint Financial and was told they do not have the loan or can not service it and was told to contact XXXX XXXX they advised they never serviced my loan it was sold to them by XXXX. So they have no knowledge of the opportunity to sell it back. 

My issue is that from my understanding Equaint can not report to the credit bureau for a debt they cant service or own. Once I reached out to them they reopened my account and it no longer is saying foreclosure but is saying that it is 120-149 days late. How can this be when it was closed for foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open accounts. I first became aware of the late open account. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. Subsequently, I have made several attempts to dispute these inaccuracies with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. Despite my commitment to resolving this matter, these inaccuracies remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. These unresolved credit report issues have caused me significant XXXX and XXXX XXXX As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. I kindly request that you take immediate action to thoroughly investigate and correct the late open account from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Synchrony credit card. {$2500.00} was charged on this card to a law firm that went out of business and fled ( scam ). The law firm did not perform the services for the {$2500.00} they received from the Synchrony charge. The lawyer and law firm were disbarred after dozens of complaints that the attorney took clients money and fled. I submitted copious documentation to support my dispute, however, Synchrony came back and said that " Required supporting documentation was not received '' I called and complained to Synchrony, and they stated that the dispute department does not share information, so Synchrony can not verify that they received any documentation. They also said that the dispute department does not have a telephone number. I have included this chat communication here. It seems Synchrony does not actually investigate disputes and just denies them out-of-hand stating that the consumer did not send supporting documentation when they did. I am out {$2500.00} and have to hire another law firm now and Synchrony is supporting this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing credit report there is a Charge-off of an amount that I have never been aware of.
Product: Mortgage

We have a mortgage with M & T Bank for our property located on XXXX XXXX XXXX in XXXX XXXX, California. I send monthly mortgage payments thru online banking with XXXX XXXX XXXX. The XXXX remits payments within the first 3 days of every month. However, M & T Bank keeps sending statements with late charges. I called M & T Bank in XXXX XXXX, and asked about late charge. According to the customer service person, the payment for XXXX, XXXX was late. They give only 10 days grace period. So I sent them the complete payments record for the last 6 months. Non of those payments were late. 
So they remove penalty in XXXX payment, but then added new penalty in XXXX XXXX statement. My wife called M & T Bank and the person on phone XXXX XXXX XXXX said he needs records for the XXXX XXXX and XXXX XXXX payments. Attached you will find copies of those records from the XXXX XXXX XXXX. I already sent these records to M & T Bank by fax, but they have n't removed the penalty yet!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my XXXX  credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Charge Off Account : XXXX - XXXX - {$4500.00}