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

I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANKRUPTCY
Product: Credit card or prepaid card

I am enrolled in the federal debt relief program and one of my creditors, Citi Cards sent me a notice that my payment was not received on time. Prior to enrolling in the program, i contacted all of my creditors to try and change my payment due dates and all agreed accept Citi. I then received the above mentioned notice and the letter is very threatening, advising that they will deny participation in the program if late payment continues and require full payment of the entire balance due. I contacted the number on the letter and spent over an hour trying to accomplish what the letter asked me to do. My requests to change the due date with a live representative were repeatedly denied, and each time the representative explained they were not the correct department. At the 4th representative named XXXX, ID number XXXX, I asked her to document the file that I have called this morning, spoken to 4 different people who denied my request to change the due date and each transferred me. I asked her to repeat the notes she entered into the file and she just put me on hold which I am currently on while typing out this complaint. While typing this complaint a new representative named XXXX answered the call and I went through the story for the 5th time and he yet again told me he wasn't the correct department and had to transfer me. At this stage, I decided I could no longer waste my time trying to do the right thing.
Product: Credit reporting or other personal consumer reports

This account is consistently reporting a balance that's not correct, they closed the account and opened up another account number and extended me credit in that account, but kept the balance of the old account, also, the balance is not reporting correctly and is steady increasing despite payments being made. XXXX is not doing well by me and this account is XXXX  my credit.
Product: Vehicle loan or lease

Hyundai motor finance has sent a a term of lease certified mail stating that because I have an outstanding balance that my lease would be terminated, with confusion I called the company speaking for XXXX different people basically telling me if I did not make a payment arrangement I can not be transfer to the proper department, I asked for a manager and thats when I was hung up on, with frustration I waited to call back the next day which after explaining that my payment history is proof of the amount of payments Ive made in the past 3 years they keeps trying to give me random dates that there was a failed payment - finally spoke to a manager which he stated there are XXXX total payments made which in 3 years there are on 37 months, he then stated the on XX/XX/XXXX is where the missing payment was and that intact is throwing off the whole system, I went ahead and sent over my chase statement stating that on XX/XX/XXXX that payment was taken from Hyundai motor finance. I emailed that to the email XXXX with the subject XXXX on XX/XX/XXXX - he stated that This has to be forwarded to another dept for further clarification and to call back that following Monday to get an update, and that everything was documented in the notes. I called back and not one person Ive spoke to has any idea what I am talking about and they need to collectee a debt before transferring be to a manager- I then got hung up on and an email sent that my payment is past due! I should not owe a payment until XX/XX/XXXX!!!! Please help!
Product: Debt collection

This company does not have permissible purpose to furnish on my consumer report. They did not receive my written instructions. Furthermore, I do not have an account nor have I made any consumer credit transactions with XXXX. Thus, they are infringing upon my right to privacy by receiving my information from a third party. Moreover, this collections account is from a medical agency, and under federal law no consumer report shall contain any medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second request. Please remove them. I am not a mortgage company nor am I a credit person. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report.

This is damaging to my FICO score continues artificially.

Show me physical contractual agreements with the reporting companies?

According : FCRA. FCDPA if not remove immediately.

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.
Product: Mortgage

FHA loan denied at last minute. 
I applied for a mortgage thru Regions Bank in XXXX Illinois on XX/XX/XXXX. Due to a previous divorce I knew my credit was questionable. Well it turns out that my score of XXXX was 4 points below requirement of XXXX. Disappointing but I understood. I immediately hired a credit repair firm to help me fix my credit. By XXXX it has increased to XXXX, well within the requirements. We started the process on XX/XX/XXXX. The first question asked was what will I use for a down payment, initially I figured I would use my 401k. Unfortunately I was unable to pull from that due to restrictions, and stated that I would get the funds from a friend as a gift. My loan originator changed things on the original application showing gift money for the down payment instead. I was approved for the loan on XX/XX/XXXX at 3 % locked in. I started sending all the required documents and on XXXX paid for the appraisal. Meanwhile the inspection had been completed as well as the appraisal. On XX/XX/XXXX I submitted the remaining required documents including the signed and dated gift letter. By XX/XX/XXXX I had wrapped up some of the minor repairs on the home to meet requirements.On XX/XX/XXXX I was told final inspection was ordered. The closing date showed to be XX/XX/XXXX. I requested a cost estimate to make sure I had enough saved for closing.I was given a settlement closing statement- estimate. I was told all they were waiting for was insurance and final inspection. On XX/XX/XXXX the email from the loan originator stated " we are good, sent loan to final underwrite while they wait for final inspection '' I was very excited as the house repairs were all complete and tons of document sending was complete. Now on XX/XX/XXXX the drama started, they needed a bank statement from my gift donor. That was tough to ask for but I got it from the gift giver. Then about 15 emails were sent asking about my relationship with the donor. ( she was my girlfriend of 7 months ) They got the cancelled check copy and they got her 6 page bank account showing the funds transfer. FHA would not approve without it. By now it was XX/XX/XXXX and more requirements came including my 401K statement w/terms of withdraw. Now on XX/XX/XXXX FHA stated DENIED without proof that ties me and my girlfriend together. They wanted joint lease/joint bank statment/ID 's with same address or evidence of being on the same phone plan. I was floored at this point to be told FHA would not approve. Months of preparation and expenses 80+ emails and 30+ documents for nothing. I done research to find nothing that says FHA needs this kind of relationship from a gift donor. I can not attach all the documents of all the above discussions with Regions Bank as there are 80pages.
Product: Credit card or prepaid card

Received emails from Bank of America stating an application was placed under my name, a confirmation that the application was being processed, a confirmation that the application was approved, and then an email change request notification. I called Bank of Americas fraud department and they closed the account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times today to find out what the status of my credit freeze is on Experian 's website but am unable to go anywhere. 

It points me to this page to call Experian but there is no way to get to a human to resolve my issue. 

And I feel they are making getting a freeze / unfreeze process in place intentionally hard and pointing me to their paid service. I have no interest in that. 

I need to unfreeze and check my report as well as potentially apply for new credit TODAY. 

How can I get help since Experian is not able to help?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and invalid items listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS Transunion XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

Earlier today, I discovered unauthorized inquiries on my credit report, and I am confused about their origin. I spotted discrepancies during my usual check and tried refreshing the page in case it was a technical glitch, but the inquiries were still there. This situation is causing me a great deal of frustration, and I demand a thorough review of the documents Ive sent to prevent further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXX : XXXX | Status : Discharged
Product: Money transfer, virtual currency, or money service

On XX/XX/ I purchased {$180.00} worth of Litecoin cryptocurrency with my XXXX XXXX. 
On XX/XX/ I recieved an email from Coinbase stating that payment for my Litecoin order was reversed by my card issuer. 
On XX/XX/ Coinbase restricted access to my XXXX  account with {$3300.00} of my funds locked in the account. I contacted Coinbase customer support about this issue via email and received a reply stating that my case has been " escalated '' and their " subject experts '' will be completing a review of my purchasing power. 
It is now XX/XX/XXXXthere is still no resolution and I have contacted Coinbase customer support three times and have not gotten a response about my case.
Product: Debt collection

I signed up for XXXX XXXX  XXXX  in 2023 to address XXXX XXXX. However, the aligners I received did not fit properly and caused XXXX. I opened a case with their affiliated doctor, and on XX/XX/year>, I was issued a case number XXXX for a new set of aligners. 

Before the replacement could be sent, I received an email from XXXX on XX/XX/year>, stating that the company had filed for bankruptcy. As a result, I never received the replacement aligners and did not receive the service I paid for. 

Given that the service was never completed and the product caused a medical  issue, I did not pay the associated charges. I am seeking assistance in ensuring that I am not held financially responsible for a service that was both harmful and never fulfilled.
Product: Credit card

I am having difficulties trying to receive a payment program from American Express with my XXXX American Express card, the amount is around {$2000.00}. I have been reaching out to them for their flexible enrollment plan since XX/XX/2024 for about five different occasions now. I have 11 days left until it will go into collections or reported. I am being told the payment program is not available at this moment and to keep checking back. They asked me to update my annual income because it would help my case. I am on a fixed income from XXXX permanently and I told them this. I changed my annual income, but I am still without assistance from this bank. I feel discriminated against because of my other banks I do business with gave me a hardship program the very same day when I asked them for help. I have been a loyal customer for several years, and I was never late on a payment up until now. As a loyal customer, I should be enrolled for help. It shouldn't be this difficult to receive a payment program they themselves can offer me. I don't want to do business with this bank ever again because they gate keep this payment plan like they need to take as much money from its customers even if they will put their customers in a bind and hurt their credit tremendously, {$2000.00} isn't that much to help me out with. I know they can help, but they refuse to help every time I have reached out with details noted for them to weigh knowing my situation. I will not use American Express in the future or will not recommend to friends and family
Product: Debt collection

I am being called by XXXX XXXX XXXX XXXX about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by Capital One Bank ( USA ), N.A. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 Capital One credit cards that I have never had any issues with.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Sirs, Despite my exhaustive efforts to resolve this matter, TransUnion continues to report inaccurate information on my credit report, resulting in substantial harm to my financial standing and well-being. I have sent multiple letters, with certified mail receipts attached and marked as Transunion XXXX, and have lodged several formal complaints through the CFPB portal, referenced by the case numbers provided below. However, TransUnion has repeatedly and improperly responded by claiming to have " verified '' the account in question.

This response is both unnecessary and legally insufficient. The account in question contains severe inaccuracies that constitute clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), TransUnion is obligated to delete inaccurate information from a consumers file. By failing to do so, TransUnion is in direct violation of federal law and is perpetuating the harm caused by these inaccuracies. 
Previous cases, where the company failed to take corrective action, are listed below : XXXX XXXX XXXX XXXX I hereby present a formal notice regarding the inaccuracies reported by TransUnion, which are wholly unrelated to any account verification processes that TransUnion has improperly and repeatedly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As evidenced by the attached document marked TU XXXX Reporting Updates, TransUnion has been unlawfully updating a charged-off account on a monthly basis. This practice not only perpetuates inaccuracies in my credit report but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and integrity of information furnished to consumer reporting agencies.

2. Inconsistent Reporting Across Credit Agencies : The attached document, marked XXXX Reporting Differences, clearly demonstrates significant discrepancies in the reporting of the same account by XXXX, TransUnion, and XXXX. Inconsistencies such as differing Date Last Active and Last Reported entries across these agencies are blatant violations of federal law under the FCRA. These discrepancies undermine the accuracy of my credit report and are in violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
TransUnions continued failure to address and rectify these inaccuracies is not only legally indefensible but also constitutes grounds for legal action. I hereby demand the immediate deletion of this inaccurate account from my credit report. Should TransUnion fail to comply with this demand, I will pursue all available legal remedies to protect my rights, including filing a lawsuit for statutory damages, actual damages, and legal fees under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi Experian, I am a victim of identity theft and I was just on the phone with XXXX XXXX XXXX they told me this fraud account shall delete from my credit report. I never have any knowledge about this fraud and nothing is correct about this account. delete this inaccurate car loan fraud from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX is writing this to say Ive tried reaching out to Wells Fargo customer service to tell them that the credit card thats appearing on my credit is not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's negligent, fraudulent mismanagement of client security data is beyond reproach. Their lack of security exposed tens of millions of consumers to identity theft and financial ruin. I was among those who had their data compromised and I demand an immediate inquiry into the company and suitable repercussions for the crimes they have committed by losing this information.
Product: Debt collection

Wakefield closed a previous case stating that they requested to the bureaus to remove the item from credit report that they are reporting however after over a week of checking and calling NO SUCH THING HAS BEEN DONE. They lied and did not remove it.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  Open Date XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

I happened to discover two unauthorized bank activities/withdrawals from my Personal Checking account in XX/XX/2020 for XXXX XXXX, one on the XXXX and the other on the XXXX. 

I opted to discuss and dispute these two unlawful activities with Regions my Principal bank. I urgently requested the specific status of these unauthorized transactions and the persons and institutions involved. 
My multiple requests were and are still ignored or not acknowledged. As I did report the ID Theft to the Federal Trade Commission that advised on sending a letter to Regions with objective being to re-dispute and urgently obtain answers and cooperation from the bank, they have again and intentionally failed to respond. 

I have since opened and maintained a new account and new information. However, I remain perplexed at the bank 's offensive and unlawful lack of cooperation.