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

I filed bankruptcy in 2022 due to XXXX. I lost everything and my XXXX XXXX XXXXince discharge I've gotten XXXX credit cards and a car loan. I haven't missed a single payment. Whenever I look at my experian credit report it reflects XXXX accounts that are XXXX days late. This isn't true and hasn't been for years. This is highly misleading to creditors I apply to. Experian 's statement insinuates I could be or could have been late on my current accounts. Experian doesn't state if the late accounts mentioned were included in bankruptcy or if they are current accounts. In addition to, the wording Experian uses " Virtually no FICO High Achievers .... '' is extremely offensive and unprofessional. Why can't they say " XXXX  % of XXXX High Achievers ... '' or " No XXXX XXXX XXXX ... ''? Year after year Experian shows their unprofessionalism and disconnect with the consumer.
Product: Vehicle loan or lease

I was affected by fraudulent and deceptive practices.

1. I was charged for a maintenance warranty service, which was added to the sales price. This illegally over capped my interest rate..

2. The car dealer documented the wrong mileage on the service contract, causing the service plan to be void. No licensed mechanic would service the vehicle. Making repairs impossible.

3. I was charged excessive add-on fees.

Due to Credit Acceptance plethora of lawsuits for fraud and deceptive practice against their consumers. I am giving Credit Acceptance a chance to correct this critical situation.
Product: Checking or savings account

On XX/XX/XXXX someone used my debit card at a XXXX for the amount of {$1700.00}. This was not authorized by me. Chase refuses to refund my money.
Product: Debt collection

This account showed up on my credit reports and I am unaware of this what this is. To my knowledge, I was not notified of this debt ahead of the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried over the last year for Equifax to remove a XXXX  XXXX  account that is in the name of XXXX XXXX. XXXX XXXX XXXX has already agreed this isn't my account. Both XXXX  and XXXX  have removed it from my file. Yet Equifax refuses to remove this. This is my last step before having to go back to court. 

Equifax has agreed my name and info is XXXX XXXX, it's already been proven in court that I am not XXXX XXXX, nor is this account mine.
Product: Mortgage

I am being victimized by Midland Mortgage with a predatory loan. I bought my home in XX/XX/XXXX and MM bought the mortgage in XX/XX/XXXX. I paid my mortgage payment each month. MM sent a letter in XX/XX/XXXX stating due to a shortage in escrow I owed XXXX or my payment would increase from XXXX to XXXX. MM created a shortage by purchasing windstorm coverage and charging me double. I contacted the hope helpline and a HUD-approved counselor who negotiated a loan modification. The counselor told me the payment was XXXX with 5 yrs added to the mortgage, she also told me it was legal for MM to charge double so to have a cushion. I later received a letter from a law firm who was suing MM because for doing this to many. It became a class action. I got a check in the mail for XXXX, MM got to keep the rest of my XXXX that they stole from me. A person from MM called me in the last week of XX/XX/XXXX and told me the new payment was XXXX due XX/XX/XXXX, I paid it. In the last week of XX/XX/XXXX MM sent a letter saying I was past due on my XX/XX/XXXX payment. I complained to XXXX XXXX. A person named XXXX calls me and tells me the payment was applied to XX/XX/XXXX and wanted me to pay an extra 100 a month to make up the missed payment that I actually did not miss, It's just a scam ran by MM. I paid 50 extra for months and MM reported me late each month to the credit bureau. In XX/XX/XXXX my payment was XXXX which included homeowner, windstorm, and taxes. MM raised my payment to XXXX in XX/XX/XXXX. I believe an investigation would prove MM increased the payment illegally. ( MM ) Midland Mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized credit inquiries from my Experian credit report. Upon thoroughly reviewing my latest credit report, I observed eight credit inquiries that I did not authorize nor recognize. Therefore, I am disputing these inquiries and am requesting their immediate removal from my credit report. 

The unauthorized inquiries are detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request a comprehensive investigation into these inquiries and urge you to take prompt action to have them expunged from my credit report. The presence of these unauthorized inquiries is adversely affecting my creditworthiness and hampering my ability to obtain new credit opportunities. Furthermore, I would like to receive a detailed report of your findings within 30 days. 

Additionally, I would appreciate it if you could furnish me with a copy of my credit report once this issue has been satisfactorily resolved. 

Thank you for your attention to this matter and prompt action to rectify it. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : US DEPT ED # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

nationstar offered a mortgage assistance application in connection to covid 19 ( letter ) and shut it down because they did not have authorization Athorization to release information from the mortgaggors, who are 2 owners ago, now that thebank " found an authorization to participate '' that was permanent ( attached ) they need to respond to the covid 19 modification applicaition and ask us what other docs they need if any ( attached ) we wnat a current response that we never got. THIS IS NOT A DUPLICATE REQUEST PLEASE RESPOND
Product: Debt collection

Received notification of new debt on credit report. A collection agency added a new debt from XXXX XXXX XXXX. Contacted collection agency and said the debt is from XX/XX/2023. I never opened an account for XXXX XXXX XXXX and and old address was used from XXXX  years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to re establish my credit and got this pre paid card. 
I did not like the way they work and cancel 2 months after, they issue a late payment which it was a mistake, I did provide all information they requested and still they haven't removed a 30 day late payment ( past Duer ) they put on my credit history. 
it doest make any sense since that account had {$200.00} positive balance for me. 

I called and email several times. 
everytime they answered was that they need to close each cycle to fix it but they never fixed..
Product: Mortgage

Homepoint financial has failed to inform me the co-borrower of any issues with the property in XXXX, CA. They state that notices were sent in XXXX of 2019 and the account would be in foreclosure in XXXX. They also sent me the 1 year occupancy statement to remind me that I had to remain in the property for at least 1 year. It has been difficult to communicate with Homepoint financial with over 1 hour wait times to speak with anyone and very difficult to pay off the note when they did not allow me to through their system and forced me to use other methods with other fees. 

Homepoint financial addressed both primary borrower and co-borrower in one letter, so when I moved after 1 year I did not receive any correspondence after changing my address with USPS and confirmed it when I called them as they had no contact information for me when they switch systems. They still do not respond through any other mediums other than snail mail. 

They try to claim I was informed of the issues going on with the note but I was not as you can not mail out one letter to two people!
Product: Debt collection

Hello, With American Express I paid all my balance in full, and then they reported that I was in collection and this action lowered my credit scored. I was aware of the debt but it was paid off. I asked to have this account deleted from the 3 major credit bureaus to avoid any other discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

15usc 1681a d2a1 under the exclusion session you are in violation for not removing the late payments and or account in entirety Attention litigation Department, As stated in case law XXXX vs XXXX XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after 5 months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.
Product: Debt collection

XXXX notified Sequium Assets last week to remove any negative tradelines from my consumer report. Sequium sent me an email this would be done, that they had already received the order. I have already missed out on purchasing a home through this situation. It seems Sequium is still reporting something that has already been proven to be a result of id theft. Sequium representatives also seem to be misled giving me different point of views each time.
Product: Checking or savings account

So know Bank of America has decided to play this role of lying to me about not being able to verify me so they could find every way to steal my money from me. The representative they have assigned to my case XXXX XXXX XXXX XXXX XXXX XXXXXXXX is consistently rude and doesnt help the situation at all. They need to assign my case to someone else so I can have different results. She honestly needs to be fired cause she doesnt know how to speak to people, is very argumentative, racist in her tone and disrespectful. I need my case assigned to someone else maybe then I will get the help I actually need but until that happens everytime I call its a problem. I dont how regular customer service could confirm my identity but the regulatory complaints department cant, somethings going on and it seems to be high amounts of fraud being done through the higher up departments at this institution. Consistently stealing peoples money to turn a profit for themselves. Unbelievable and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment information is not up to date. I have working for the XXXX XXXX XXXX XXXX XXXX XXXX and it not reflected in my credit report.
Product: Credit card or prepaid card

On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Reporting of XXXX XXXX  Account Dear XXXX and Experian I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit profile concerning my XXXXXXXX XXXX XXXX account. Both XXXX and XXXX have failed to correct the errors despite multiple requests and verifications from XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX  Servicing Incorrect Balance Reported : {$210000.00} Correct Balance : {$190000.00} Inaccurate Late Payments : None confirmed by XXXX XXXX XXXX  Despite XXXX XXXX XXXX  confirming there are no late payments on this account, both XXXX and XXXX have inaccurately reported late payments, causing undue damage to my credit score and financial standing. Furthermore, the balance of {$210000.00} reported by your agencies is incorrect. XXXX XXXX XXXX has verified that the accurate balance is {$190000.00}. 

These inaccuracies are currently under review and litigation, and I have escalated this issue to the arbitration board. Your continued failure to correct this fraudulent information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit profile. 

I demand that all incorrect late payment entries be removed immediately and the balance be corrected to accurately reflect {$190000.00}. Failure to address this matter promptly may result in further legal action, including seeking fines and penalties for non-compliance.

I expect this correction to be made within the legally mandated timeframe, and I request a written confirmation of the actions taken. Please consider this letter a formal notice of your obligation to correct these inaccuracies immediately. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my XXXX letter disputing inquiries back in XX/XX/2020 to XXXX and Transunion. I never received a response in the mail and I also called to verify XXXX  received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from XXXX and Transunion that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know XXXX and Transunion are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 90 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I  made my payment to you when I received my statements
Product: Debt collection

a phone number ( XXXX ) XXXX is contacting me telling me that they are MRS BPO LLC ( a debt collection agency ) and are claiming that I have an unresolved matter with XXXX  ( I have never had any services from XXXX  ) upon replying to chat, I was then texted by another number ( XXXX ) XXXX asking for my personal information. I refused to give it and demanded to know who they were and why I was being contacted. They refused to answer without me giving them any personal information.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

Gulf coast collections calls every day and has been doing so for over a year. They keep stating they will take the number off the list but they do not. Today, they simply told me to tell someone else not to give out my phone number, were rude and hung up on me. I can not control what someone else does. I am old and only responsible for myself.
Product: Credit reporting or other personal consumer reports

The information from XXXX XXXX XXXX XXXX is incorrect. It needs to be updated to paid in full attached is documentation that this account has been paid in full years ago. I would like all derogatory information removed from my credit report, XXXXXXXX XXXX and experian immediately.
Product: Debt collection

In 2012 I had a child. 6 months after I received a bill from the provider but it was substantially higher than I expected, and I was told it was because my insurance did not cover the additional tests required. I talked to my insurance company. The tests were XXXX tests and XXXX done weekly because I was " XXXX '' aka over XXXX. The insurance said that they had not put the XXXX on the bill and to work with them to have it resubmitted. The office manager verbally told me she was working on that and I no longer recieved any bills. Then I recieved a notice it was being sent to collections. I called and it was a new office manager and I reexplained and she was going to look into it, but apparently just turned it over for collections. Grimm Collections has contacted me several times for payment and I have told them this every time all the while trying to get the provider to rebill insurance, but since they sold the debt to the collection company the office manager said it was no longer their debt. I was served with papers that they were going to take legal action. I asked the process server what the next steps were because at this point the medical provider has closed their office. I was told that I would be contacted with a court date. The paperwork only gave options for payment, so I waited. Now I am getting demanding calls XXXX and three times a day demanding full payment, and that they are not going to stop calling and saying that the court date has already passed and I missed my opportunity to say my piece.
Product: Money transfers

I was scammed out of {$200.00} by a person who claimed that he sell me a part for my dirt bike. 
I sent him the money via Western Union Transfer and now he is not answering his phone or returning any of my texts.
Product: Student loan

From XXXX I attended XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX This institution was found to have practiced misconduct and predatory practices during my attendance at the school. My federal loans were forgiven under XXXX XXXX XXXX XXXX. 
Although I qualify to have my private loans forgiven, XXXX  has denied my application. The following are the dates on which actions were taken by me and/ or XXXX. 

- XX/XX/year> : I contacted XXXX  to request a school misconduct application. 
- XX/XX/year> : XXXX  sent a school misconduct application to me via email. 
- XX/XX/year> : XXXX  notified through email that my school misconduct application was received. 
- XX/XX/year> : XXXX Mohela denied my school misconduct application.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of the XXXX XXXX XXXX  account # XXXX on my credit report. The account was marked as a collection account in XX/XX/year>. However, it has been repeatedly updated as a collection account every month since then, misleading and inaccurately reflecting the account 's history. 

It is my understanding that a collection account should not have an active payment history after it has been entered as a collection account. By improperly updating the payment history, the statute of limitations is being manipulated, which is misleading and harmful to my credit report. 

Additionally, I believe that the neglect to investigate this account properly has resulted in the continued reporting of incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I would like to bring to your attention that a co-applicant has already disputed this account, Experian Report XXXX : XXXX and as a result, it was deleted from their credit report. Therefore, I am demanding that the XXXX  XXXX XXXX account # XXXX be deleted from my credit report immediately.