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

EXPERIAN, has received several certified mail letters from me, disputing the validity, and verification of the inaccurate information they're reporting on my consumer report. As a Federally Protected Consumer, I never received the process of the verification of how these inaccurate accounts keeps being verified. On XX/XX/year>, I disputed inaccurate information on my consumer report and have yet to receive a response!
Product: Checking or savings account

On XX/XX/XXXX, I deposited a claim check from XXXX into my Bank of America checking account using the mobile app. I used my Mothers cell phone to log into my account as my data service on my phone was not working properly. I was required to two-way authenticate via text message to my personal cell phone in order to log into the account, which was done appropriately and as usual. Once I completed the mobile deposit information, I received a confirmation from Bank of America stating that the deposit had been accepted at XXXXXXXX XXXX  on XX/XX/XXXX - Email confirmation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, directly after I submitted the mobile check deposit and had received the confirmation, I received notice from Bank of America that my account was locked and that I needed to reset my password . Upon trying to reset my password, I could not get the account to log in which prompted me to call Bank of America directly to discuss the account issue. 

- Email stating account is locked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon calling Bank of America, I was transferred to the Account Closure Department, which informed me that Bank of America had decided to close my account and would not release any information as to why. Bank of America accepted a large check into my account, and then prevented me from accessing any of my money that I held in the account. I am told that since I have an active dispute on my account for a fraudulent charge placed on the account by XXXX, that it is delaying my account closure and I am not going to be able to access my money until XX/XX/XXXX ( which is 90-days until XXXX has to respond to address the fraud charges they placed on my account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED XXXX {$34000.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting

I ordered a new trailer to be built in XXXX 2014 from XXXX, XXXX, NM. The trailer was not delivered until the end of XXXX 2014. During that time, the dealer, confirmed that my credit rating did not change XXXX times. Equifax is listing that as XXXX different hard inquiries when it should only be XXXX and has lowered my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   account is showing 90+ days past due as of  XX/XX/XXXX  and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

. To Whom It May Concern Experian has been sent letters 3 letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections on my credit report that continue to update. Now I see 2 new inquiries, and nothing is being done. I do not have any credit cards now but one card. Yet I have 11 hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX ( no verifed proof ) The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, They failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Santander Consumer USA should have removed the account off of my credit report and forgiven the loan due to their subprime loan predatory practices. I purchased the car from XXXX and was financed through Santander in XXXX of XXXX and had already had a vehicle with XXXX that had a car payment of over {$350.00}. They did not ask for proof of income or verification of income. Santander could see on my credit report that I already had an auto loan that was behind on payments and the amount of that loan. They still approved for the loan with little down but the interest rate was super high. The payment amount was about XXXX and added with my other car payment the amount was over {$800.00} for two cars. I tried to make arrangements with Santander back in XXXX of XXXX because I was several months behind and was in default. Then the wildfires began in my area and prevented me from being able to work but they would not help. 
Then I see that there was a class action against them with 33 other states involved and that notices would be sent by the end of XXXX as of today I have not received one as I believe I qualify. My address has changed. I want them to remove the loan from my credit report asap.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account was settled on XX/XX/XXXX due to the bank not closing out my account in XXXX XXXX XXXXXXXX as I requested on a recorded phone call despite me thinking that they had fulfilled my request. Due to this error on the representative part, an autopay charge had gone through on the account and was collecting interest unbeknownst to me as I had believed the account was closed. I currently have open cases to remove this negative mark as a whole from my credit report as this was due to XXXX XXXX 's incompetence. However, until this gets resolved I am requesting that the incorrect late payment marks XXXX for XXXX as there are no outstanding payments or late payments for this year. 

Additionally, the XXXX inquiry should be removed as it has been 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call Capitol One regarding a security codes sent to me. They would not put me through to anyone. They needed to know my age, which was unrelated to the issue and they would know it anyway. If I am over XXXX, I have to listen to advertising and be put on the spot for their services. If I refuse to answer, they will not allow me to correct fraudulent credit issues. They need to be shut down.
Product: Debt collection

My credit reports were hit with collection accounts from Southwest Credit Services with out sending me any letters in the mail or any other communication attempts just as I am in the processes of closing on a mortgage for a newly constructed home in XXXX XXXX, MD. I located their contact information online after receiving an alert on my mobile credit monitoring service to be greeted by rude representatives who were n't even able to located any accounts for me when I gave them my social security number. They can now that I have given it to them, but could n't prior to my first call. I was transferred to their fraud department and was told that I would be mailed a fraud packet that needed to be completed and sent back, but nothing ever arrived in the mail. Also was told that the items would be removed from my credit during the investigation, but that never happened either. I stand to lose XXXX of dollars in a earnest money deposit over a {$250.00} collection account. What kind of country do we live in that something like this can happen?
Product: Credit card

My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n't have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed the following items that did not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to report that I have experienced issues with Equifaxs dispute process that align with the concerns highlighted by the CFPBs recent action against Equifax. Specifically : Lack of Proper Investigation : I submitted disputes regarding inaccuracies on my credit report, and in some cases, the disputes were marked as verified within a matter of minutes. This quick turnaround time strongly suggests that the supporting documentation I provided was not fully reviewed or investigated. 

Disregard of Consumer-Provided Evidence : The CFPBs findings indicate that Equifax failed to review consumer-provided documents. My own experience mirrors this issue, as no meaningful consideration was given to the evidence I submitted regarding errors on my credit report. 

Recurrence of Errors : Similar to the allegations that Equifax allowed previously flagged inaccuracies to return to consumers credit files, some items I challenged reappeared on my credit report despite being acknowledged as inaccurate in prior disputes. 

Impact on Me as a Consumer : These unresolved inaccuracies are negatively affecting my credit score, limiting my ability to qualify for favorable credit terms and opportunities. I believe Equifaxs flawed investigation practices have directly impacted my financial well-being. 

Given the CFPBs settlement with Equifax and the agencys confirmation that subpar investigations have occurred, I strongly believe I am among the consumers harmed by Equifaxs inadequate dispute resolution process. I am requesting the CFPBs assistance in ensuring Equifax properly investigates my disputes and corrects any remaining inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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

In XX/XX/year>, I submitted my disputes via certified return mail to Experian, Equifax and TransUnion disputing the validity of some accounts and multiple inquiries that have reported incorrect information about my credit history, which has negatively impacted my credit score. In submitting my dispute, I included an enlarged copy of my id, ssc and my handwritten dispute. I reviewed my credit reports and found that the late payments marked incorrectly and accounts listed that doesnt belong to me. I immediately disputed these errors with each credit bureau to which I have received no assistance with. 

Equifax responded by not doing any investigating but instead asking me to provide ANOTHER copy of my already provided ID and SSC before they would investigate. Unauthorized inquiries were not removed. 

Experian responded by not providing any documentation but instead saying the investigated and updated disputed information. Unauthorized inquiries were not removed. 

TransUnion did in fact remove two of the disputed accounts, but also disputed an old account that was to be removed from my credit report after reporting almost 8 years. 
Unauthorized inquiries were not removed. 

Because of these incorrect reports, my credit score has been adversely affected, which has made it difficult for me to attempt to purchase a home. This has caused significant financial strain and time in an attempt to have the credit bureaus report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXXXXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXXXXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX - XXXX SERVICE XXXX XXXX XXXX XXXX  SERVICE XXXX XXXX LOAN SERVICING XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with hometown lenders the loan originated in XX/XX/2023. I have made payments to Hometown Lenders since XX/XX/2023, I am unable to log in to make a payment and the phone number on their website is disconnected. I found out through a formal employee that Hometown Lenders went out of business on XX/XX/2023. We did not receive any notification of them going out of business. We are unable to find our mortgage on XXXX and it does appear on our credit report.
Product: Vehicle loan or lease

This is what I wrote to them- Subject : Dispute of Inaccurate Late Payment Entry on Credit Report To Whom It May Concern, XXXX : I am writing to formally dispute an inaccurate late payment entry on my credit report. Upon reviewing my report from XXXX I noticed a late payment reported for my account with WFNB account dated XX/XX/2024, last payment was XX/XX/2024. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to maintain accurate and complete information. Additionally, under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, creditors are required to mail or deliver periodic statements at least 21 days before the payment due date. 
I believe this entry is incorrect because I have consistently made all payments on time, or I did not receive the billing statement within the required timeframe, which impacted my ability to make a timely payment. 
I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. Accurate information is crucial for my creditworthiness, and I trust that you will address this promptly. 
Please confirm in writing that the disputed entry has been corrected or provide an explanation if you find the information to be accurate. I appreciate your attention to this matter and look forward to your response.
Product: Checking or savings account

On XX/XX/year> I had request a refund for a transaction that wasnt approved by me nfcu failed to investigate and made me pay back the loan they gave me for rhe dispute. Im also being charged ridiculous amount for overdraft and money transfer
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked to CRAS for validation of my debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Credit reporting or other personal consumer reports

I have been trying to work on my credit for years I had to apply for XXXX  XXXX in XXXX  which was 7 years ago.the agencies are still holding it against me. I paid off a collection they removed from my credit report this company refuses to. When I filed my XXXX  XXXX it was only to affect me for 7 years. If law has changed since then it should nogt affect consumers who applied prior to the law change. I filed XXXX  XXXX because I had severe identity and my husband had a massive XXXX XXXX. I didnt want to lose my home. I have no credit accept for my student loans. I paid off 6 loans. My loans are not in default nor have they ever. I have already reported the credit companies. My complaint against you is I have know way to increase my credit score however there are many ways to decrease my credit score I want to know why is that I have a document from you that specifically expresses that. This is a form of discrimination. A bankruptcy from 7 years ago should not be a factor in my credit health. Items are removed off your credit after 7 years. This kind of practice is targeted towards a specific class. Because of this I am unable to receive a student loan my last year in college. I need a answer as why I am sized up in such a manner