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

XXXX to XXXX Struggling to pay mortgage, home was worth less than the mortgaged paid. Reached out to Wells Fargo for help they told me to do a loan modification because behind on payments to avoid foreclosure. I wrote letters every month. They told me I do not need a lawyer but foreclosed on my and short sold my house to someone else.
Product: Student loan

In the XXXX XX/XX/2022 response to CFPB complaint XXXX, XXXX XXXX XXXX presents false and misleading information regarding the two ( 2 ) private student loans held by WF. Over the past two ( 2 ) years WF has provide contradictory information regarding the irregularities in handling of these accounts that led to furnishing of inaccurate and unverifiable payment history and derogatory indicators in my credit files. It is clear from the contradictory information that WF has XXXX ( XXXX ) cohesive explanation regarding the problems with my accounts and has sought instead to stall, mislead, deflect, and otherwise abdicate their responsibilities as a data-furnisher under 15 U.S. Code 1681s2, and instead have sought to engage in practices that are false, misleading, unfair as defined under 12 U.S. Code 5531 to explain away their prior mismanagement of my accounts including improper application of payments, and failures in statement generation that are required under TILARegulation Z 12 CFR 1026.2 ( a ) ( 4 ). The repetition of these practices and providing of information in CFPB responses that WF knows, or should know, is demonstrably false from their own records additionally makes their practices abusive under 12 U.S. Code 5531. At least one ( 1 ) of the three ( 3 ) CRAs has already reached the same conclusion and as such has removed the account/tradelines for the corresponding accounts from my credit files. Full documentation is attached. WF needs to understand I am not a number. I am a human being, and one with a documented XXXX. I do not deserve the XXXX and harm WF has repeatedly inflicted on me over the past XXXX ( XXXX ) years that arose from their own negligence. Making XXXX up to cover-up failures is morally wrong and patently unlawful.
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/year>XXXX  from XXXX XXXX, where I do not have a banking relationship, they received an online application to open a new deposit account using my personal information. Based on the information received, they were unable to successfully verify my identity and decline to open the account. They told me to contact the credit bureaus, which I have, and file a report with the XXXX. 

Between XX/XX/year>XXXX  and XX/XX/year>, an inquiry was made by Capital One Bank USA was added to my credit report. This was a hard inquiry from an institution where I have no banking or revolving credit relationship. This hard inquiry was reported on both my XXXX and XXXX credit file. 

I monitor my credit and was notified that I had two hard inquiries appear on my file and I noticed the coinciding credit score drop. I would like investigation, removal of hard inquiry notices on my accounts and restitution to my credit scores. 

I have not engaged directly with either XXXX XXXX or Capital One Bank USA, as I am not a current client with no form or recourse to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX XXXX  and is reported by TransUnion, XXXX, and XXXX under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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.

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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did open/close this account. 
Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

account re added the same XXXX  account to my collection with out a XXXX  day reinsertion notice, by a new debt collector was with XXXX now with Afni, XXXX reported I owe {$190.00} Now Afni report I owe {$190.00}.
Product: Mortgage

I previously spoke with XXXX in Loss/Lig and believed we were being provided the opportunity to get payments caught up. However, on XX/XX/2019 I called to inquiry of my options while a government shutdown is in affect. I am a federal government employee and was told their are not any options or special circumstances offered and if I were to get a forbearance it would affect our credit. Why would a circumstance for which we do not have any control over impact us this way? I was told that while in forbearance or payment arrangements this will still be reported as delinquent. Why? Shouldn't these options protect the account and the payment agreed upon is being made? Why would this be or is it just this type of mortgage company? We were told that mortgage companies would work with us, but I see this is not the case. Please explain why.
Product: Vehicle loan or lease

On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually 48hrs. Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to XXXX  by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to hit the road because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. Upon discussion with XXXX at XXXX on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. I am submitting the XXXX Statement and my payments with the balance of this complaint to show that my account was never {$22000.00} with the interest they are claiming. They falsely reported to my credit bureau my balance. And under the fair credit reporting act, they have to be ACCURATE. Based on my balance sheet and statements the balance is not accurate. You can not send someone a statement with one amount and report a different one to the credit agencies. 
I am attaching the credit reporting balance, statement for XXXX and XXXX, and posted payments with my balance. NEVER did it hit {$22000.00}.
Product: Credit reporting or other personal consumer reports

Experian has published accounts on my credit file that were not created by me, no written consent was given to publish the non public information and no disclosures to opt of credit reporting were given. They have broke federal laws 15 USC 6802 publishing non public information, 15 USC 1681a ( d ) ( 2 ) exclusions. I have made disputes that came back verified and could not explain how it was verified. They are now in subject to willful non compliance subject to civil liability damages
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my MULTIPLE submissions over the course of five years, XXXX consistently responds within an unreasonable 24 hours stating the account is accurate, without providing ANY evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation. 

The accounts I REQUEST BE REMOVED are as follows : -Account XXXX, an illegal Collection not belonging to me ( Reported a total of TEN times since 2019 that XXXX unethically " investigates '' each time ) -Inquiry from XXXX XXXX XXXX XXXX -Inquiry from XXXX XXXX  XXXXEmployer XXXX XXXX -Invalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXInvalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -Invalid XXXX  XXXX Personal loan -Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I have an issue with a Chase credit card. One of my oldest credit card account in the credit history has been closed. I made the last payment on that credit card in XX/XX/2019 and last transaction was in XX/XX/2019. I, then travelled to XXXX to take care of family for a few months but got stuck here because of the pandemic. I was supposed to come back in XXXX, but the government of XXXX imposed a nation-wide lockdown in mid XXXX for about 3 and a half months, followed by some strict international travel restrictions. I was just able to come back in XXXX. As I was out of the country, I didn't use a lot of credit cards. For security reasons, I like to use local currency cash while traveling internationally. Apparently Chase closed my account, because it was inactive. However, my other credit cards were inactive as well, but they were not closed. I tried talking to Chase credit card department but was told that there is nothing that they could do and it can not be reopened. My credit card was inactive for less than a year, for about 9-10 months, I do not think they should close the account. Also, my credit scored has dropped, because this was oldest credit account on file and had a decent amount of credit limit. I am trying to buy a house and all this factors could play a huge role in my mortgage and interest rates. Please look into this matter and I would like to get that account reopened. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with LexisNexis and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to LexisNexis and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
GXXXX XXXX XXXX XXXXXXXX ; Balance : {$15000.00} XXXX/DEPT OF ED XXXX Balance : {$3700.00} ; XXXX/DEPT OF ED XXXX Balance : {$6600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/24 Subject : Dispute of Incorrect Address Information on My Credit Report Dear Experian, XXXX, & XXXX, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting

I had an account with a company called XXXX XXXX XXXX for monitoring an alarm service at my home. Everything was fine and I had automatic withdrawals from the bank account I had at the time. Once my home was in escrow, I called XXXX XXXX XXXX and made my final payment. They told me nothing else was needed to close the account and I was in good standing. I did not purchase any equipment from them, nor did I live in the home. A few months later I got a bill in the mail. I called to inquire about it and again they told me it was resolved. Several months passed and I received another bill for an outrageous amount. I called again and they told me that I did not cancel my contract and that I have to pay for a service whether I lived in the home or not. I offered to pay a portion of it out of good faith if they sent me a final bill with a cancelation policy and the account manager " XXXX XXXX '' told me no. In his words " black mail my credit '' if I did n't pay 36 months of payments ( I only signed up for 21 months ). I refused and called again to speak to someone above him which I was denied my request. After I requested to be contacted via email so I can have a document of everything he was staying. I asked for a contract stating where I signed up for all of this and they provided a contract. The amount of months my contract was for was crossed out in pen and re-written and they added to months to it, with no initial or signature indicating that I was in agreement with them. In fact I never gave them my social sec #. Also I found it strange that when they sent me a copy, under my signature shows a cut off signature of whoever " Accepted/signed '' the contract and it has a complete different date on it. SO pretty much you sign a contract, then they modify and resign at another date and tell you that you owe them money. I was upset and I told them I am sorry I can not pay money for something I did not ask for. Two years later I look at my credit report and there it is. This is unfair and unjust. I have went on social media to post a negative review to warn other potential victims, also gave them a review on yelp. The more research I have done I noticed that there are many more people who are in the same situation and worse. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out by email as well as mail requesting them to remove my info as well as not provide my personal information to experian. As they did not notify me of them providing my info to this credit Bureaus I do not consent for them to share my personal information. Date XX/XX/2023 To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from ( experian ) .lied about verifying this bankruptcy with the courthouses as they collect their information from a third party and that is a violation of the Fair Credit Reporting Act ( FCRA ). As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Please respond to me in writing once this removal has been completed. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes the XXXX, Transunion and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My name is XXXX XXXX. My husband, XXXX XXXX, passed away on XX/XX/XXXX due to a XXXX. I am on Social Security and XXXX. I have been raising my Grandson since he was an infant. Nationstar states that I can not be granted a loan modification because I was granted a loan modification in XX/XX/XXXX. That modification was granted to my husband, and not me, as I have only assumed the loan recently, and after his death. My Nationstar loan is set to go up yet again in XXXX, XXXX. I am barely keeping my head above water as-is, and Nationstar states that I would have to go late on my mortgage to be reviewed for modification. I find it unfair that I am being punished for making my financial obligation to Nationstar my XXXX priority. From what I understand, my income qualifies me for a loan modification and I, personally, have never been granted a loan modification as I was never on the loan prior to my husband dying, so there denial of my last assistance request is unjustified.
Product: Credit card or prepaid card

I opened Citibank account XX/XX/19. I was never told debit card was connected to checking account. There is a merchant on XX/XX/19 Citibank is allowing to double charge me. Today, XXXX I was online to see statement and called because it didn't balance and is overdrawn. Also I do Not have overdraft protection so I should Not be overdrawn. But Citibank says I am. I printed the online statement where only {$80.00} appears. {$80.00} was charged and posted on XX/XX/19 for XXXX XXXX in middle of week. Citibank supv. Said Citibank is allowing charge to change Unauthorized!!!!! I called merchant and they had several different names : first XXXX then XXXX. I told her I wasn't married-no XXXX and XXXX not me either. 1. It sounds like someone else used my card, 2. I do not have overdraft protection so this would Not have gone through. I think it's a scam Citibank is doing-it 's days after after posted, and 3. I did not authorize this charge. And I specifically asked for and Confirmed with banker at time opening account that I do Not have overdraft protection. *******
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell CREDIT BUREAU that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAU is required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. 
XXXX Date Updated : XX/XX/XXXX ; XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting Late Payments in one closed account I used to have! This account was never late, this is clearly a billing error!