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

I've sent disputes to XXXX, Transunion and XXXX. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.
Product: Mortgage

I have sale date XXXX / XXXX / XXXX Attorneys for SLS told SLS to not to assist me SLS has not stoped the sale date Refuse to assist me Customer care was horrible I have 3 witness that how uneducated un willing she was What ever we asked her she said I dont know and this person works at SLS customer care department The amount of complaint law suites are All on internet I have a XXXX  husband with serious health issues stress is death for him Also a military SLS is coursing his death You think I will seat quiet and allow you to take my home??????? 

Cfpb every body knowns that SLS is not a good servicer They are known for fraudulent foreclosure Miss handling payments Charging harsh fees Rude terrible mean uneducated customer service All of theirs attempts is to take peoples home When loan get transfer to SLS Customer automatically Missing payment Late Hearty late fees good luck to reverse the fees Then delinquent Lastly foreclosure This is their formality They have no intention to assist customer in any way There is no way any one could be qualify SLS had a law suites in XXXX for not approve and toy around the customer And put home owners in deep stress And attorney Cost I never asked for this loan Thus loan was gotten to me by fraud XXXX XXXX broker Owned by XXXX XXXX who should be in jail He was expelled and revoked his license mortgage company was closed do to fraud loans he was getting for people His wife was working XXXX XXXX XXXX and both were ripping off the bank and getting frauds mortgages The owner my fraud mortgage shouldnt buy these garbage mortgages from XXXX XXXX That was the reason XXXX went out of business and we had to deal with XXXX fraud mortgages and real state fall out My loan is exactly this Then XXXX XXXX bought all of these bad loan then sold it to SLS And that was when all of my problem started SLS was nothing but a XXXX for me and my family I was middle of getting loans with another reputable bank when SLS foreclousre Stoped my loan process Now my son who is in XXXX XXXX coming back home this XXXX when he finish his service I havent told him thats our home in in foreclosures yet I paid SLS over {$70000.00} Keep your home California was making payment Hefty fees Lien fee Attorney fees SLS is not a bank nor connected to any financial institution They are just a entity to accept payment they took these loans because of amount of money they made not care an inch about how their money making is XXXX home owners They dont comply with state government They dont want to assist home owners in time of covid hardship loosing job being sick cause they dont want to deal with all that Thats the reason for foreclosure they want to get the money fast thats all it comes down to Now you see I didnt get this loan or asked for it And as much as I want to get away from SLS But do to how things happened and fall on me I am stock to SLS like a glue
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not valid it meets FCRA requirements - I have not been notified about this debt - it keeps on re appering on my credit reports
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, Equifax, XXXX, XXXX *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different XXXX XXXX Equiifax XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late Mark Dated XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Someone named " XXXX XXXX '' left a message on a family member 's voicemail saying there are two pending charges against me and threatening to arrest me. From this number : XXXX. PLEASE do something about this, it has been very scary and the fact that they contacted a family member is infuriating.
Product: Debt collection

My daughter 's creditor has been sending me debt collections emails ( addressed to her ) which contain her name, the the amount owed and the name of the creditor. My daughter did not give them permission to use my email nor to share information.
Product: Debt collection

The credit card company pass the account to a credit bureau, I get constant calls, emails and text... it is really annoying... I would like for it to stop, it's been over 10 years now. 

This is harassment by the debt collectors!
Product: Credit reporting

We have an issue with my husbands transunion credit we have sent in verification 2 times now and we still can not get a copy of his credit report ... we were told its being handled by the fraud department when connected to them we were told my husbands credit and a ladys credit were combining because their socials are so close ... now I had to fax over his social security card and his credit would have to be separated or sorted from this other lady 's well its been over a week and I still ca n't get anything done
Product: Credit card or prepaid card

Signed up for the {XXXX} statement credit prom, after paying for a XXXX XXXX XXXX XXXX, using the discover credit card. 

Never received the XXXX} back at the end of the promo. Tried calling around XXXX, the rep told me I needed to make purchases using my credit card for 2 billing cycles, I did it. Called again today ( XX/XX/2021 ) - Supervisor said that all {XXXX} credits were issued by XXXX. If I didn't receive it, it means I didn't meet all promo requirements - She couldn't give me much more specifics.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2.Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. 2 ) XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. 3 ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX  FL. I request that employer be updated to reflect the correct information. 

4.Date of Birthday : My DOB is XXXX/XXXX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Debt collection

Back in XX/XX/XXXX I submitted a letter to Midland Credit Management at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to verify a debt they were attempting to collect. I received a letter back from them in XX/XX/XXXX stating that they did not have enough information to verify the debt and that they would remove the information from my credit file and would no longer contact me.
In XX/XX/XXXX I received another demand letter for payment, on the EXACT same account they verified they would close. I called XXXX and spoke with a XXXX XXXX, an office manager, today XX/XX/XXXX who informed that the account should have been closed. This is harassment.
Product: Mortgage

Since XX/XX/year>, I have had issues with Lower.com and XXXX XXXX as funds that were supposed to be issued by the settlement company were never issued out to the debtors. Instead, the checks made payable to creditors were overnighted to me with the wrong payment amounts and I was tasked to send them out, but these figures were inaccurate. Furthermore, I was tasked to reconcile lower.com and XXXX XXXX balances without my consent and without compensation. Neither company will take ownership of the issue and the settlement company had me jumping through to return funds owed to me. I have reached out to both entities in separate occasion but at this point, I am exhausted and I shouldnt have to do all of this work. Especially after paying considerably amount in closing costs and fees to Lower.com and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/23, I paid an account listed on my credit report in full. This was reported to Equifax and the collection agency requested a delete and the account still remains on my credit report. 

This is a violation of the Fair Credit Reporting Act! This paid in full account remaining on my credit is hurting my good name.
Product: Money transfer, virtual currency, or money service

PayPal is not allowing me to withdraw my refund given to me. I was refunded for an item and they have frozen my account and claimed that the transaction is at risk for a charge back or dispute. That is a lie, You CAN NOT dispute a refund, XXXX XXXX XXXX AND XXXX AND XXXX do not allow chargebacks or disputes for refunds. They only allow them for purchases or debits. That is simply my money being given back to me and is not even a transaction associated with a credit card or debit card or bank account. 

Reference ID : XXXX Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The amount is {$2500.00} on hold and needs to be released.
Product: Debt collection

There are 2 open items on the credit report : An auto loan of {$6700.00}. Home mortgage loan of {$300000.00}. TransUnion should delete any remaining items from the reports as they are false/defamatory.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by a group of scammers, which involved me making deposits for a total amount of XXXX USD from my Truist Bank account to fraudulent investment firm ( s ).
Product: Credit card

In good faith, I submitted an application for the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Got denied an extension of my credit via online response. 
Attempted to rectify a reconsideration on XX/XX/XXXX to receive valuable consideration for my negotiable instrument ( security ) that American Express retained. 
I then applied for the Platinum Card and on XX/XX/XXXX I submitted certified letter USPS mail to Investor Relations making them aware of American Express ' prospectus that relates to a firm offer of credit and XXXX is the offer made to investors. Once I submitted an application and it's securitized, I became an investor according to American Express prospectus. The application is a receivable that it securitized and transferred into the Master Trust and Issuance Trust. In doing so, American Express Bank funds receivables and loans through asset securitization. Through this process, the application ensures enough value to prepay my deposit security accounts.

I know no company wants to participate in fraudulent dealings, hence I requested American Express to do what they said they would for me as an investor. I did not receive any benefit for value given. I requested both securities back via traceable mail if cards were not being issued. 

For reference : XXXX XXXX XXXX Emailed XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I purchased a {$1000.00} at XXXX in XXXX, GA, from Western Union. This money order was sent to XXXX XXXX who claims that the money order was never received. This check has not been cashed. I have attempted many times to contact Western Union without success. Neither has the form been faxed to me per the telephone messages. It is impossible to speak with a live representative with Western Union.

I have tried over and over to place a stop payment. I have also sent the necessary documentation required. Unfairly, West Union charges the customer {$15.00} to secure this refund which appears to be very greedy. 
Money Order No. XXXX
Product: Checking or savings account

Someone gave me a fake check and I deposited it into my account so I have to owe capital one XXXX,XXXX back. Im a mother and currently XXXX. Its hard to try and pay that for someone who tried to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information which has led to a breach that puts myself and the majority of Americans at potential risk. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

As a result of this security breach, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experians failure to adequately investigate and correct inaccurate and unverifiable information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to dispute these inaccuracies, the issues remain unresolved, and I demand immediate corrective action to ensure my credit report reflects accurate and verifiable information. 

The following inaccuracies have been improperly reported : 1. Addresses : My report includes addresses that I am not affiliated with, which are not linked to my current or previous residence history. 
2. Telephone Numbers : There are phone numbers listed on my credit report that do not belong to me and have never been associated with my personal or financial accounts. 
3. Hard Inquiries : My report shows hard inquiries that I did not authorize or initiate and for which I do not have any current or open accounts with the inquiring entities. 

Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item in their file. Additionally : 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681c outlines the permissible content in a consumers credit file, and unverified or inaccurate information must be promptly corrected or deleted.

15 U.S.C. 1681b ( f ) restricts the inclusion of hard inquiries to only those initiated by the consumer or with their express consent.

Experian has failed to meet its obligations under these provisions by not thoroughly investigating or resolving my disputes. Furthermore, the continued reporting of inaccurate and unverifiable information has caused unwarranted harm to my creditworthiness and financial standing. 

I demand that Experian immediately : 1. Remove all inaccurate and unverifiable information from my credit report, including : All addresses and names that do not match my current government-issued identification ( e.g., drivers license ).

Any telephone numbers that I have not personally verified as my own.

All hard inquiries that were not authorized by me or associated with a current or open account.

2. Provide a detailed response outlining the actions taken to address these issues. 

If Experian fails to comply with this request within the timeline mandated by the FCRA, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. I am also prepared to pursue legal action to protect my rights under federal law. 

Please consider this letter my formal notice and demand for compliance. I look forward to a prompt response within 30 days, as required under the FCRA. You may contact me at [ your phone number ] or [ your email address ] should you require further information or documentation to resolve this matter.

Sincerely, XXXX XXXX
Product: Checking or savings account

Chase bank take the money of my account and let my account with negative balance and add charge. I called but they didn't knew the problem? Next they said that was a difference on the deposited that 3  months ago. But now my account have negative balance for charge of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is showing an account that is closed, open. It also is showing that in XX/XX/2020 that my account is late 30+ days but in XXXX and XXXX showing that it is current. I am requesting that all Bank of America accounts be removed from my credit report for the reason being that all inaccurate information is being reported and hurting my credit score drastically.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX account Account number ending in : XXXX Date : XX/XX/XXXX I keep receiving emails on ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the ( Account number XXXX ), and a personal bank account opened at XXXX XXXX  on XX/XX/XXXX under the Account number XXXX XXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXX ( ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : XXXX, XXXX, and Equitax ) : What happened ( statement of pertinent facts ) : my credit information was compromised by a thief who knew many ways to use it and places that would accept their documents This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my credit score by three points on XX/XX/21 and TransUnion lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.
Product: Credit card

On XX/XX/2023, Synchrony closed all credit cards I have with them. I estimate I have XXXX cards with them. I called and they said I am risky, but this is general and not true. I was never late on any of my loans. My credit score is XXXX. There is no rational reason for them to close my accounts. I depend on these credit cards because they do not have the same legal protection using debit cards and cash versus credit cards. Also, due to them closing my accounts I lost a significant amount of buying power for XXXX XXXX  shopping to spread out the buying to not max out one card and significantly decrease my credit score. 

The closing of ten credit cards will significantly decrease my credit score and it appears they maliciously intended to offer me credit and allow the credit bureau to take note of the newfound buying power and the lack of consuming it to allow them to increase my credit rating to new heights just to bring it down to low numbers where I can not finance a car or home and if I can at a high interest rate.