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

I am writing to formally lodge a complaint regarding serious inaccuracies present in my XXXX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my XXXX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge XXXX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Checking or savings account

I called chime at XXXX on XX/XX/2023 to get my account daily limit raised to {$2500.00}. But instead of raising my limit they cleaned out my account which is unacceptable I had XXXX $ they left me with XXXX $ when I contacted them about the situation they said fill out a dispute which is ridiculous chime is the XXXX that took my hard earned money and left me with nothing I feel they should have to return my money immediately this situation is criminal.
Product: Student loan

I was mistakenly informed on a number of occasions that my IDR would be backdated to have no out of pocket costs to me and I would not have to use my general forbearance time. Then I was erroneously told I would have an administrative forbearance. I agreed to use my general forbearance time because I really was given no choice in the matter, but was told I would use a MAX of 90 days with the rest being covered by a delinquency forbearance. I received correspondence dated XX/XX/2019 re my forbearance request approval, and it states XXXX, an extra 31 days of my forbearance time I was told I would not have to use any of. I have filed three internal complaints that I have been informed have no way of being tracked or shown their effectiveness.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and these items were fraudulently created without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete these accounts and inquiries from my credit report. 
Unauthorized Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$360.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$4800.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$730.00} Unauthorized Inquiries XXXX. XXXX XXXXXXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX XXXX bank is reporting incorrect information on my credit report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax will not accept a dispute, on line or phone, they put me on hold half hour and say they can not find my file, they are reporting incorrect info to my file
Product: Consumer Loan

XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent
Product: Mortgage

XXXX XXXX  XXXX Trustee for XXXX XXXX XXXX Title Trustee and XXXX XXXX are trying to foreclose with a modification breach of contract that the Servicers of XXXX XXXX, XXXX XXXX XXXX and Rushmore Loan Management have caused harm and pushed us into default and possible foreclosure by using the incorrect figures on the permanent modification dated XX/XX/XXXX with escrow balance figures from XX/XX/XXXX that is a breach of the modification contract in paragraphs 3 A. B and C. 

This complaint is being filed against all of the actors listed below in reverse date order. And we demand a reply to CFPB from each and every one of them. 

XXXX XXXX  XXXX Trustee XXXX XXXX  XXXX Title Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Rushmore Loan Managament XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Previous claim to CFPb XXXX I have made numerous attempts spending hours being transferred back and forth between member services and disputes team to receive a check for the XXXX plus the XXXX I had in the account that was wrongfully closed by XXXX/chime. Total of XXXX in my account and they will not lete have it. Disputes found there WAS an error made and gavee a permanent credit on XX/XX/28. I was just want to get a check or be ables to access it nibfhh
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX, XXXX, XXXX, XXXX XXXX  This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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

There is currently an existing dispute on this. Please reference complaint : XXXX. 
The creditor kohls has agreed and confirmed to remove all delinquency information but they didn't. They sent me a letter stating they are granting my request and that they updated the credit bureaus on XXXX. However I have received credit disputed updates after this date and spoken to TransUnion and XXXX because they say XXXX XXXX has not removed the delinquent statement on credit : first delinquency day XX/XX/year>. This is affecting my credit scoring and can't get a mortgage because it shows a delinquency. I left 2 messages with creditor XXXX XXXX to correct this ASAP but haven't heard back.
Product: Debt collection

I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. 

I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. 

I receive about 2 to 3 calls a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX regarding this matter immediately and averted an issue. However XXXXXXXX XXXX was reflected on my credit report via Equifax and XXXX as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to XXXX to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Product: Money transfer, virtual currency, or money service

I was approved for  XXXX  dollars of line of credit from capital one but ca n't receive it.
Product: Payday loan, title loan, or personal loan

I was unemployed for 2 months due to COVID-19 and I requested an extension from Navy Federal Credit Union and although they advertise that there are options for relief, they did deny me. They close my credit card and kept adding {$29.00} late charges to my account which amount to XXXX XXXX now. I am current with my credit card now but my installment loan remains past due.
Product: Mortgage

Do to wage loss- we fell behind and currently have a foreclosure date of XX/XX/XXXX. Midland Mortgage has not been very helpful w/ providing assistance. In XX/XX/XXXX, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in XX/XX/XXXX w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills, etc. Also, in XX/XX/XXXX they told me XX/XX/XXXX was my last modification and I have to wait until XX/XX/XXXX to apply for a new one. Technically, that would be XX/XX/XXXX. Only today, they changed it to say 2 yrs from the recorded date which is unknown to them??? " You can re-apply in XX/XX/XXXX and maybe we 'll be able to process it then '' she said- so uncaring. I have a foreclosure date of XX/XX/XXXX. What if it was recorded 2 months later? My house will be gone by then? I 've had this home for almost 20 yrs. And do n't want to lose it. Although it takes 6 weeks on average to record a deed, the purchase date is always used because that 's when you became the owner, responsible, etc. Everything is settled at closing ... not when recorded.
Product: Credit card

I cd ( XXXX ) XXXX XXXX XXXX fraud dept and was told someone opened an account on XX/XX/2022. The credited {$44.00} and {$10.00}. ( XXXX ) XXXX refused to mail all the statements. 
XXXX Bank XXXX XXXX XXXX XXXX, Oh XXXX
Product: Mortgage

This is my XXXX complain about new rez previous complain. 
XXXX where company said they closed wrong account due to wrong refinanced .. when they said they closed wrong account then why New rez has reported late payment to credit beurow. resulting not allowing me to have any loan since XX/XX/2021 so far. 

what is my fault in overall process if i don't have fault then why my credit is bad becuase of your report. who is responsible for late payment and who is responsible for wronf account paid off. how better mortgage know about wrong account unless you provided them wrong account to pay off. why my credit is wrong and why i am suffering?
Product: Credit reporting or other personal consumer reports

XXXX is reporting three fraudulent accounts to my credit report. I have included the police report and ftc report. 

The three XXXX accounts and all the inquiries need to be removed due to fraud.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Reporting Act. 

I have listed the laws above. It is against my rights to have student loans on my report per the FERPA Act. Please remove from all three bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not been able to fix inaccurate information on my credit report. XXXX removed 15 years of credit history. I have a Wells Fargo credit card and I had perfect credit history with that card. I made all my payments on time. XXXX removed that credit history from my report and it is hurting my credit. I tried to resolve the issue by calling XXXX. XXXX will not take my calls anymore. Every time I try to call, I am told that they will not accept my call. I can not even contact XXXX anymore. How do resolve the issue if they won't even talk to me?
Product: Vehicle loan or lease

Capital One Auto Finance Ucc 3-105, ucc3-104, in accordance with 12 usc 361. These companies received such tender and notification to credit/discharge the accounts for the beneficiary of XXXX XXXX XXXX XXXX XXXX The instruments were taken and never returned in a timely fashion as stipulated in the cover letter and is therefore commercially Accepted. 15 usc 1682 s-2 please stop harming me financially. 31 usc 5118. Stop demanding cash from me as it violates my Article 1 section 10 clause 1 right.
Product: Credit reporting

I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that it needs a several digit PIN for me to unfreeze my credit report ; they never sent me one and I need my report unfrozen ASAP.
Product: Credit reporting or other personal consumer reports

On XXXX on review of my credit report I discovered inaccurate report of my address I also observed hard inquiries on my report for which l did not consent. These are the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hey, I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/year> which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had 30 days late payment on XX/XX/XXXX from BMW. ( It's paid off never had late payment ) Staring call BMW service on XX/XX/XXXX ask them to remove 30 days late payment XX/XX/XXXX. I ask them politily to remove 30 days late payment. At this time everything was going well and told me to send goodwill letter to them and I did. Around XX/XX/XXXX I call bmw to check the result. when i had chance to talk customer service one of the assistant told me that BMW sended it out to all credit bureau. I even double check with this assistant. 
About week later nothing was changed. So I called BMW service what was going on? 
they told me they declined what i ask for.. I did complain about previous assistant what he said to me ... .still nothing was changed. I thought it was going to be removebecuse how it went ... I'm disappointed their decision. Also 3 major credit bureau was not helpful at all keep asking me to get a delete letter from leader because they have no power to remove anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX and XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf.
Product: Debt collection

Company had a random man hand out a fake summons to court. He rang my doorbell and handed my minor a paper. The document said it was received on XX/XX/2023 but today is XX/XX/2023.
Product: Debt collection

I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However, without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease, callers clearly do not honor my request that they inform the original debt collector that they have the wrong phone number. 

Convergent Resources is only one of the groups who have continued these harassing calls, both under their current name, and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs, and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls, and that I no longer have to waste my time telling these incompetents that they have the wrong number.