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

Experian is reporting FIFTEEN of my accounts inaccurately. I have sent them TWO letters requesting them to do an investigation to update their inaccurate reporting. One in XXXX on 2022 the other in XXXX of 2022. They have yet to update this or even respond to wither of my requests in over 60 days. This is FCRA VIOLATION. 

Payments statuses are all reporting inaccurately- These need to be updated to the CURRENT PAYMENT STATUS, to PAID AS AGREED!!! 

Ive included both letters I wrote, as well asa copy of ALL FIFTEEN accounts credit report that they need to correct with the inaccurate information highlighted..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Mortgage

We started with XXXX XXXX, then XXXX XXXX and now Selene Finance. 

We have submitted so many documents to XXXX XXXX, We submitted so many packages to Loan Care and thought we were in the final stages of getting a loan modification with a sizable down payment and then we were notified that the loan has been transferred to Selene Finance. 

Selene Finance does not want to hear anything about what was sent to XXXX XXXX  before they took over my account. 

I have also received a Summons & Complaint to foreclose on my home. 

We submitted documents to XXXX XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We received a confirmation from XXXX XXXX Customer support acknowledgment from XXXX XXXX with Ticket # : XXXX Then more requests on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Missing documents and request for a new RMA. 

We have started over so many times with XXXX and now Selene claim they do not see my application from XXXX XXXX and I received a Summons and Complaint Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XX/XX/XXXX Balance : {$440.00} {$440.00} BRCLYSBANKDE XX/XX/XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}
Product: Debt collection

On XX/XX/XXXX, my mother received a letter from Medicredit with a notice that they are trying to collect a debt regarding medical services that I allegedly owed as of XX/XX/2022. 

The amount in question is {$110.00}, originating from XXXX XXXX XXXX. 

XXXX XXXX XXXX made no effort to contact me regarding this debt before sending it to collections, as I never received any phone or written communication from them. Additionally, the amount {$110.00} was paid in full, at the hospital, and was charged to my debit card ( including transaction fees ). I have the transaction on my bank statement noting that it was from XXXX XXXX XXXX. 

I have not once received any communications from Medicredit corporation. At the time mentioned ( XX/XX/2022 ) I was twenty-three years old. My mother is not and has not been responsible for my medical care for a number of years at this point. Additionally, services that were already paid in full should not have been sent to collections, to begin with. 

Re : Medicredit, It is my understanding that the direct contact of my relative instead of myself with mention that it was to collect a debt and the full dollar amount of the alleged debt should not have ever occurred. 

Per the Consumer Finance Protection Bureau : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This scam uses many, many different telephone # s. These harassment calls only started when I dropped XXXX XXXX XXXX as my home and cell phone carrier, so the calls could be originating from XXXX XXXX XXXX --  who else would have an endless supply of fake telephone # s to call from?? The calls are recorded and talk about reducing Student Loan Debt. 
I HAVE NEVER HAD A STUDENT LOAN IN MY LIFE.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$9600.00} to pay off the full balance of my Citi credit card. I have plenty of money in my Bank Account to cover this. I found out today, XX/XX/XXXX, that Citi has my payment on hold, meaning I can not use my credit card. As this is my only credit card, I am currently unable to make any non-cash purchases. 

I was never notified of the hold at all. In fact, I have a confirmation email from XX/XX/XXXX saying the payment went through and I have a confirmation number. 

Citi is saying that the payment is on hold until XX/XX/XXXX. As I have now used up my credit limit because my payment never went through, I can not use my card. As this is my only card, I can not make any non-cash purchases.
Product: Money transfer, virtual currency, or money service

I have made MULTIPLE complaints against this company ( Venmo ) they have reached back to me unfroze my account now I received an additional Email saying my account is being PERMANENTLY DEACTIVATED and I will not have access to MY FUNDS for up to ( 6 MONTHS )! And this problem is getting totally OUT OF HAND!!! PLEASE HELP I NEED THESE FUNDS I HAVE A FAMILY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint due to unauthorized inquiries on my report through Equifax. according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows 4 inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. It's a defamation of my character and to my livelihood..
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Conn Credit Corp. After reaching out on numerous occasions to resolve this dispute my letters were returned. In XX/XX/XXXX I rented a washer and dryer from the company and continued to make monthly payments until the account was paid off. Conn continues to report negatively late payments in XXXX and XXXX. I contacted them XXXX  months ago to request they stop sending me advertisements or flyers because I'm not interested in purchasing anything else with their company and they have not removed the late payments from my XXXX Credit Report. My account was open in XXXX and the last XXXX numbers of my account number is XXXX.
Product: Credit reporting or other personal consumer reports

I reported fraudulent transactions to Discover and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting Discover correct this mistake as it has advesrly affected my credit opportunities. Discover has been non-complant thus far.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Mortgage

We are being billed for an " inspection '' of our property. We were never informed that an inspection took place nor have we seen any such report nor were we notified that any inspection was necessary. The fee was added on to our loan statement. We have been told he inspection was done XX/XX/XXXX and was due to the hurricane in XXXX XXXX where the property is located.. The amount is {$16.00}. We have asked for copies of the report and what company did this inspection. That information has not yet been provided. There was no flooding or damage to our property and this was totally unnecessary if in fact there ever was any inspection.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion Consumer Solutions for significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) reported on my credit history. These issues are a clear violation of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Completely Blank Payment History : - TransUnions report shows a completely blank payment history for this account. This indicates unverifiable and incomplete data, violating 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 

- Other bureaus, XXXX and XXXX, have reported detailed ( though inconsistent ) payment histories for this account, further demonstrating the unreliability of XXXX data. 

2. Confusing Comments : - The report from TransUnion states, " Account included in XXXX XXXX bankruptcy. '' - This contradicts the information provided by XXXX and XXXX. Furthermore, TransUnion has failed to provide supporting documentation to verify this statement. 

XXXX. Inconsistent Dates : - TransUnion reports : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX - These dates do not match those provided by XXXX and XXXX, reflecting significant discrepancies between the bureaus. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to ensure the accuracy and completeness of the reported data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information has not been removed, as required by law.

3. 15 U.S.C. 1681g : There is a lack of clear and complete disclosure regarding the details of this account, particularly related to payment history and bankruptcy information.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts ; letters are attached below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Company 's online bill pay did not complete transaction on two occasions leading to unfair late charges. I closed the account for lack of confidence in Bank of America. In closing the account, they apparently charged me more than what I owed, and there is a negative balance ( money owed back to me ) on the account. However, Bank of America has not processed any refund, their website does not offer any means to process the refund, and their phone service has been unhelpful ( can't even talk to someone ). How can Bank of America simply choose to keep my money and not refund it?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). I have also reviewed the CFPB lawsuit filed against Equifax, where similar issues were reported regarding disputes and the persistence of inaccurate information on consumer credit reports. I am experiencing the same failures, and I demand immediate attention to my concerns. 
The following errors are present in my credit report : 1Inaccurate Addresses : The only address I have ever resided at is XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX. Any other listed addresses are incorrect and must be removed, including : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX Names : My legal name is XXXX XXXX. The report contains several incorrect variations that must be corrected or removed, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts with Disputed Balances : XXXX XXXX XXXX : Incorrect balance and unresolved disputes. 
XXXX XXXX : Incorrect balance and unresolved disputes regarding XXXX. 
XXXX XXXX XXXX  : Errors regarding the original creditor ( XXXX XXXX XXXX ). 
XXXX XXXX, XXXX : Inaccurate balance and details related to XXXX XXXX XXXX. 
I have disputed these issues before, but my disputes have not been properly resolved. According to the FCRA and reinforced by findings in the CFPB lawsuit, it is your responsibility to ensure the information in my report is accurate, verifiable, and properly investigated. 
Enclosed are the following documents to support my dispute : A copy of my government-issued ID A copy of a utility bill showing my current address Copies of prior correspondence disputing these inaccuracies I request that you immediately investigate these inaccuracies, update my credit file, and provide me with written confirmation within 5 days of receipt of this letter. If you are unable to verify the disputed information, I demand that it be removed from my credit report. 
Please note that I will not hesitate to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if this issue is not resolved promptly. 
I look forward to your immediate response. 
Thank you for your urgent attention to this matter.
Product: Vehicle loan or lease

PNC XXXX XXXX is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past XXXX months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/year> my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Never opened an account with this company. Dont have statements of bills or anything in general.
Product: Mortgage

I arrived at BBVA Compass Bank on or around XXXX XXXX to apply for a home loan. I was greeted by XXXX XXXX. She asked me my financial situation. I told her. I also let her know that I do have rental houses in an XXXX, and they are not in my name. I was then asked to wait a few days so they can determine if I will qualify for the loan program. 

On XXXX XXXX I received an email from XXXX XXXX stating the following : -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX : XXXX XXXX, 2017 XXXX Subject : Question To : " XXXX ; Cc : XXXX just said as long as you do not reside in your rental ( s ) then you are completely eligible for the no PMI program we discussed. 

Sincerely, BBVA Compass XXXX Mortgage Lending - Mortgage Banking Officer Mobile : XXXX Fax : XXXX, AL XXXX I let her know that I do not reside in my rentals. She told me everything was good to go. I received a phone call about a week later stating the underwriters want to know why I am buying a {$90000.00} home and not a {$200000.00} home. She then requested for me to send her in writing why I am buying a {$90000.00} home. I wrote the letter and faxed it over to her. 
She called me a few days later and stated that the underwriters do n't believe that I am going to be using the home at XXXX as my primary residence and they denied me the loan. When I requested that information in writing for the basis of their decision, they sent me the explanation that is attached which is for review. 
The reasons they denied me have no ground, bc the State Tax Lien was put on my credit in error and I have letter from the director of the State of Alabama stating that, so they released the lien, but it still shows on my credit. The other reasons are completed inaccurate b/c I lived in my previous home for 9 years, owned multiple cars and trucks, and have loans in my name. They also stated that my account balance does n't exceed my credits, which is completely false again. My credit balances are around {$15000.00} give or take and my account balance is over {$23000.00}. 
After going back and forth with them over the past two days and trying to reach out to certain people over the phone, I sent an email to XXXX. I have also attached for your review showing the response and why I am being denied, which is based on their " guidelines '', which I have not received anything in writing that they are claiming is in the " guildelines ''. I have waited over 2 weeks for this loan to go through. Since then, the rates have gone up and I am being denied for a loan that I clearly qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuse to investigate and provide a copy of the original sign consumer contract. I have recent complaints on here that has evidence of the failed investigations XXXX responses that I have gotten ). This is improper use of my report. I will seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Product: Credit reporting or other personal consumer reports

There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from annualcreditreport.com. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them.

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO XXXX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO TRANSUNION CREDIT REPORTING AGENCY XXXX ID FOR COMPLAINT SENT TO XXXX CREDIT BUREAU XXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.