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

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has completely removed my credit score. As a consumer it is my right to a credit score as they have plenty of reports including allowing an collection agency to maliciously flag and negatively report more than once within 30 days when said account is old. This is violating my rights to fair reporting denying me of a credit score yet so willingly determined to report only negative information. I will provide documents to show the violations and the damage Experian is causing. 

Experian in violation to deny me of my credit score I am a human being and it is my right to fair reporting. I am being punished for no legit reason. This is totally unfair for Experian to be allowed to do this. I have positive credit history thats not even showing, efforts gone unnoticed or as they say may take up to 6 months to show yet Experian allows reporting of an agency to report multiple times within two weeks how is this fair? Why is this allowed? I feel a class action would be the perfect action to take against Experian for unfair practice against a certain class of individuals. 

If its no score than there should be no negative reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate credit reporting by XXXX and Equifax. I previously disputed an account appearing on my credit reports with all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). After their investigation, XXXX removed the disputed account entirely, confirming that it was either inaccurate or unverifiable. However, despite having provided the same supporting information, XXXX and Equifax continue to report this account. 

Account Details : Name of Creditor/Account Holder : XXXX XXXX XXXX  Account Number : XXXX XXXX [ Equifax ] and XXXX [ XXXX ] Summary of the Issue : I requested that XXXX, XXXX, and Equifax investigate and verify the accuracy of the above-referenced account. After completing their investigation, XXXX removed the account from my report, acknowledging that the information could not be verified or was inaccurate. 

Despite having received the same dispute request and supporting documentation, XXXX and Equifax have refused to remove or correct the account. Their inaction and continued reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report and to correct or delete any information that is found to be incomplete, inaccurate, or unverifiable. 

Impact on Me : This inaccurate reporting is negatively impacting my credit scores and my ability to secure financial products at fair terms. I have made good-faith efforts to resolve this matter directly with XXXX and Equifax, but they continue to report false or unverifiable information. 

Relief Requested : I request that the CFPB investigate this matter and compel XXXX and Equifax to : Permanently remove the inaccurate and unverifiable account from my credit reports. 
Re-verify that all information reflected on my credit reports is accurate and up-to-date. 
Provide a written confirmation of these corrections to me. 

I have attached copies of my supporting documentation, including the response from XXXX confirming removal, and recent credit reports from XXXX and Equifax showing that the incorrect account remains. 

Thank you for your prompt attention to this matter. I trust that the CFPB will help ensure that my consumer rights under the FCRA are protected.
Product: Credit card or prepaid card

I have a business card and a personal card with American Express. The Business card has no pre-set spending limit and a " pay-over-time '' limit of over {$35000.00}. AMEX lowered my pay-over-time limit, effective immediately, to {$2500.00} without my knowledge and, because of that, has now assessed a minimum payment due of {$3200.00}.

My personal card had a credit limit of {$13000.00} which has now been reduced to {$2000.00} which increased my usage percentage from 9 % to 80 % which has adversely affected my credit.

I will also add that my husband, ( a male, of course ) has a personal card and that has, in no way, been affected, even though that usage percentage is even higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file several dispute regarding inaccurate info on my credit report.. The bureaus, creditor and collectors fail to comply.. They have not removed the inaccurate items nor have they attempted to correct it.. This is taken too long and has become a burden to me and my family with the items remaining on my credit.. Can you please help me with making them comply so I can put this behind me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax multiple times via mail, fax and phone to request that this account with XXXX XXXX XXXX XXXX be removed from my report as ive never had sergvice with XXXX XXXX XXXX I even contacted them and they state they have no record using my social of me owing them a balance. Equifax refuses to remove it stating that i need to send them documentation when ive already sent multiple fax and disputed requests mails to their mailing address! I've been trying to get approved for a home with my children and this collection account has been negatively affecting my ability to lease a home. ive called and disputed over and over again again requesting removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer. National Credit Adjusters " NCA '' is a data furnisher under the FCRA. As a furnisher of information it is NCA duty to provide accurate information. NCA is prohibited by law to furnish inaccurate information. I am hereby putting NCA on notice that you are furnishing inaccurate and incorrect information to consumer reporting agencies with proof. National Credit Adjusters, you are not in compliance, and you are furnishing inaccurate information without a permissible purpose. The account has a finance charge of {$620.00} however, you are furnishing that I allegedly owe you an amount of {$930.00} which is NOT the amount of the finance charge and sum of all charges which means you have made a mistake. Due to your mistake I have been substantially injured. I have high interest rates, and negative credit scoring due to this mistake. My marriage is in jeopardy because of this inaccuracy you are furnishing. I demand you to act in good faith and correct the inaccuracies! If you do not, I intend to follow up with legal proceedings. Please review the attachments included for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed a charge for {$19.00}, XXXX dollars and XXXX XXXX cents, on my credit card, posted on XX/XX/XXXX. It was from TransUnion.

In XX/XX/XXXX, I went to their website, www.transunion.com, to check my credit score. They propmpted me through some questionnaires, and they asked for my credit card number. I was under the impression that I may be charged a small fee for the credit check. However I was unknowingly roped into a costly credit monitoring service. TransUnion set their website up in such a way that you can not reasonably avoid monetary damages or deceptive practices.

I called TransUnion as soon as I noticed the charges on my bank statement. They refused to refund both charges, one from XX/XX/XXXX and another from XX/XX/XXXX. I fought with them on the phone for about 10 minutes, and was only able to get one charge refunded.

They use obvious deceptive practices, by using fine print well below an average scrolling point for most browsers and computer screens, it's even too low on mobile devices. The most important details were not listed in an up front and accessable way.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

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

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXXXXXX XXXX ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit card or prepaid card

American Express is not willing to grant any credit application based on what it believes was a violation of its policies from XX/XX/XXXX. When they lowered my credit line back in XXXX, they did not state or communicate that all credit applications would be denied. They steered me into believing that the actions were temporary and not permanent. Now they have taken the limit on a subsequent XXXX American express account that was paid off, the account balance was negative and had a credit on the account and they lowered the credit line to {$1000.00} in a response to my complaint with the CFPB. I'm being bullied, harassed, and unfairly processed as a credit applicant. 

American Express, please advise the following : XXXX. Based on the FCRA, what facts and findings do you have to permanently ban me from any credit application and now allow for any types of credit to be processed. 
XXXX. Please advise why this was not communicated in XXXX, as if I would of known I would not have had the credit damage of the application denials. 
XXXX. Please advise why a credit account with a paid-off balance was reduced out of the blue for no reason. 
XXXX. If this was an annual review, why was it not processed during the same account review back in XX/XX/XXXX as the XXXX card was reviewed. 
XXXX. Why after a perfect payment history since XXXX, are all of these actions happening? 
XXXX. Why was the letter that I mailed on XX/XX/XXXX not responded to? 


Referencing CFPB complaint : XXXX
Product: Mortgage

I am in the process of refinancing my Fulton Bank mortgage with XXXX XXXX. I've been attempting since XX/XX/XXXX to receive a payoff statement that XXXX requires. XXXX made the request on XX/XX/XXXX and has received nothing. I've called Fulton multiple times to obtain that statement per XXXX 's request. I've waited 20 minutes on hold the first time I called XXXX. Then 40 minutes 2 days later. Today ( XX/XX/XXXX ), I've been on hold with Fulton for 1 hour. This is terrible customer service and is jeopardizing my closing on the refinance scheduled to occur on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple disputes have been sent regarding fraudulent accounts on my credit. All disputes were not handles and fraudulent accounts were not removed from my credit. Disputes on cfpb were submitted on XX/XX/2022. These fraudulent accounts have ruined my credit for years and I have sent out many disputes. Its very sad to know that people can ruin your credit and life, I wish this would not happen to people at all. It really hurts. 

XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions Experian- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly indicating there is increase in the balance owed by XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.
Product: Mortgage

I provided an updated profit & loss statement to SLS via fax number XXXX and email address XXXXXXXXXXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016. 
I also confirmed with a SLS representative via phone that they were in receipt of the enclosed updated profit & loss statement that show my gross monthly income as follows from XX/XX/2016 thru XX/XX/2016. 
Gross Receipts XXXX TOTAL INCOME XXXX Expenses TOTAL EXPENSES XXXX Net Profit / Loss TOTAL INCOME : XXXX - TOTAL EXPENSES : XXXX = TOTAL MONTHLY NET PROFIT : XXXX Specialized Loan Servicing ( SLS ) violated loss mitigation procedures. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS used the wrong profit & loss statement. 
SLS is concealing the fact they had my updated information prior to making a loan modification determination. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX
Product: Debt collection

Received a call from XXXX XXXX ( XXXX ) at XXXX XX/XX/2018. She claimed to represent Portfolio Recovery. I get calls from these bottom feeders from time to time. I do not owe money to anyone, my credit score is over 800. I'm on the do not call list and she called me on my business phone. I don't have time for this nonsense, please make it stop.
Product: Credit card

I am writing to formally lodge a complaint against Bank of America for its inadequate response to my dispute regarding fraudulent charges amounting to over {$72000.00} from XXXX XXXX XXXX, a Ponzi scheme based in Texas. Despite providing Bank of America with comprehensive documentation, my case has not been resolved satisfactorily, and I am seeking your intervention. I submitted a XXXX page document detailing the fraud, which included transaction records, communication with XXXX XXXX XXXX, and evidence of their Ponzi scheme operations. 

Under Federal Law, it is Bank of America 's duty to fully investigate ALL of the charges and provide provisional credits while the matter is investigated. Bank of America has FAILED to address ALL of the charges resulting from this Ponzi scheme defrauding me. As of the last week charges have been placed back on my credit cards placing considerable financial strain on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from 1STPROGRESSXXXX, and I have always made my payments on time. After being alerted that there was a late payment on my credit report, I called 1STPROGRESS/XXXX/XXXX  and was informed that there was a mistake in their billing system which had resulted in a 30-day late payment on my credit report. 

As it turned out, by the time the billing issue was resolved, a second 30-day late payment had been placed on my credit report. This billing mistake resulted in me being 60 days late. 

It's important to note that my payment history has always been perfect and on time. I reached out to XXXX, XXXX, XXXX, and 1STPROGRESSXXXX, but unfortunately, I have been unable to obtain a satisfactory resolution. Both XXXX, XXXX, and XXXX have reported me as 30 days late for XX/XX/XXXX and XX/XX/XXXX, which is caused by the bank 's error.
Product: Debt or credit management

I hired Lexington law to repair my credit and paid the upfront cost and they did nothing.