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

I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following inaccuracy I found on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX XXXX XXXX  Account Ending in XXXX To Whom It May Concern, I am writing to dispute inaccuracies on my credit report concerning the XXXX XXXX XXXX account ending in XXXX. This account is inaccurately reported and inconsistently represented across credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : The account is inaccurately reported as charged off, with inconsistent balances, payment histories, and account statuses across credit bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. The discrepancies in reporting clearly fail to meet this standard.

2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, credit bureaus are required to conduct a reasonable investigation and correct inaccurate or inconsistent information. 

Requested Resolution I request that XXXX : XXXX. Delete the XXXX XXXX XXXX  account entirely from my credit report due to the lack of consistent and accurate information.

2. Provide written confirmation of the resolution and any changes made to my credit report.

Supporting Documentation 1. A copy of my credit report highlighting the XXXX XXXX XXXX account and discrepancies. 
2. A copy of my government-issued ID and proof of address for verification.

Please investigate and resolve this dispute promptly, as required by FCRA. I expect a response within 30 days. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

In XXXX I submitted complaint XXXX. It was closed as a duplicate complaint despite XXXX never before submitted documents. 
The issue is still unresolved
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a credit limit increase for my Home Depot Card as we own a home from the 60 's and expect repairs to be required soon. They did a hard credit check and increased my limit. On XX/XX/2019 they reduced my credit limit by {$11000.00} dollars making the XXXX inquiry pointless and reducing it even further than before. I have reached out and asked them to either raise the limit back up or someone retroactively remove the inquiry, but have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late
Product: Credit reporting or other personal consumer reports

PHEAA is reporting a school loan open on my account for amount of over XXXX. I have only attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That school loan has been forgiven due to XXXX for the amount of XXXX. PHEAA is reporting a school loan stating it was from XXXX years ago and I have not XXXX XXXX XXXX XXXX. I would greatly appreciate help with this matter.
Product: Student loan

Back in XX/XX/XXXX, I was laid off from my employer as they were heavily impacted by the covid19 pandemic. I had reached out to XXXX XXXX in order to apply to any Payment Reduction programs they could offer for borrowers in my position. They approved a reduced payment for a 6 month period for which they later advised could be extended if the application was approved again. When the program had expired, I received an email from the designated department approving the extension of my reduced payments. The following month after receiving this email as well as having a telephone conversation to approve this, I was sent a bill of {$350.00} that needed to be paid immediately on top of the monthly bill I normally receive. I reached out to their offices now for the third time in a month and they advised me that now I would need another Payment Plan on top of the existing XXXX that I made back on XX/XX/XXXX to pay the {$350.00}. I agreed to the second payment plan over the span of 6 months in spite of it now increasing my monthly payments to more than what I originally paid prior to being laid off back in XX/XX/XXXX. They verbally confirmed via telephone call and email that as long as I made my payments on time, the account would NOT be reported as delinquent and that all these arrangements will be updated on my account. After making the first payment reflecting the new amounts and both Payment Arrangement totals on XX/XX/XXXX, we received a letter on XX/XX/XXXX saying that they haven't received a payment and failure to do so would result in my account being reported as delinquent and my co- signer being reported to the credit agency. I reached out the XXXX  XXXX again who in turn communicated that the Account Delinquency letters are computer generated and will continue to be sent until the {$350.00} is paid in full. They refused to confirm that the delinquency status will be removed from my account as well as whether or not my co - signer will be reported to the credit agency because of these " automatic notices ''. Their representatives are unable to help because they are not knowledgeable on how these stacked payment plans can be communicated clearly or how to update accounts. Their supervisors are not communicating all the restrictions that come with their complicated payment plans and how they affect the overall borrower and account. In addition, their supervisor team is disrespectful and immediately want to be off the phone instead of trying to empathize with their borrowers who are doing all they can to just PAY.
Product: Debt collection

This company has not sent me any kind of verification regarding this debt collection. The agent also has been rude to me and has not offered any means of verifying this debt nor has communicated the correct amount due. The agent indirectly threatened to sue.
Product: Debt collection

Stellar Recovery contacted me through a public e-mail address that is not only used by myself. Their company logo is at the top of the e-mail, the e-mail does not state that it is from a debt collector. There is not a confidential information disclosure in the e-mail. The 3rd party followed the instructions and opened the letter that was attached to the e-mail, ( password was in the body of the email for opening ) and they saw that I owed a debt. I never provided Stellar Recovery with my e-mail address or gave them permission to contact me through e-mail. If they were able to find my e-mail address, then they should have been able to find my telephone # or home address. However, i have not been contacted by phone or through regular mail about this debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). My accurate and current address is XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, as verified by my drivers license and utility bill. However, Experian has been reporting XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which are not my addresses. This is a clear violation of 15 U.S.C. 1681b, as Experian is reporting incorrect address information without my verification or written consent.

Additionally, Experian has failed to ensure the maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). These incorrect addresses do not appear on my reports with other credit bureaus, further proving the lack of accuracy in Experians reporting. This negligence has caused unnecessary harm and inconvenience to me.

If Experian does not correct these errors immediately, I will escalate this matter through legal action and seek {$1000.00} in damages for willful noncompliance and negligence under 15 U.S.C. 1681n. Experians failure to adhere to federal law is unacceptable, and I demand immediate corrective action to ensure my credit report reflects only verified and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XX/XX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all XXXX credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Consumer Loan

I paid an auto loan off through PNC Bank on XXXX XXXX, 2015 and put a stop payment on the auto pay through XXXX on XXXX XXXX, 2015 but something went wrong and XXXX paid a XXXX payment to the acct that PNC says was closed on XXXX XXXX. PNC says they never received it, that it was automatically rejected and XXXX says they have no record of this rejection and do n't have the money. PNC says they have no escalation process because it was never received and XXXX says they ca n't escalate until they have something from PNC. I know every time money electronically transfers it goes through the Fed Reserve and has a Fed number to track but all parties refuse to look into it. {$720.00} is n't a huge amount of money for some people but it 's XXXX and I do n't have any money!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 reporting or other personal consumer reports

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : On XX/XX/2020, I use MoneyGram Payment Systems, Inc service to send a payment to XXXX towards my loan which was due on XX/XX/2020. When my due date passed, I contacted XXXX, and they verified that no payment was ever received. After finding out the payment was miss applied, I contacted MoneyGram Payment Systems, Inc on XX/XX/2020, and requested that they put a trace to see what address my money was sent to and the associate told me to call them back on XX/XX/2020, and they will have a status. So, I decided to research further and discovered that the payment was sent to the wrong merchant ( XXXXXXXX XXXX XXXX ). 

On XX/XX/2020, I followed up with MoneyGram Payment Systems, Inc again and the agent still could not supply any  information on the status. 

Furthermore, I am requesting MoneyGram Payment Systems , Inc to issue a FULL refund because they failed to process my  payment correctly, sent to the wrong Payee, and thirty-two days past my due date. Not to mention, it defeated the purpose for which I authorized because MoneyGram Payment Systems , Inc failed to carry out service in a timely matter. Due to MoneyGram Payment Systems , Inc negligence, I had to make another payment on XX/XX/2020, to avoid ruining my credit and to stop the collection calls I was receiving each day from XXXX. 

Regards, XXXX XXXX
Product: Debt collection

I sent a letter in response to phone call received by a company on XX/XX/2018. I was requesting that the hunter warfield provide validation of the debt as required by the Fair Debt Collection Practices Act. Because I have disputing the debt, they have should not report it to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, Transunion, and XXXX, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing. 
15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information
Product: Checking or savings account

Hi, I have opened a joint savings account with my mother at Bank of America. According to the Bank 's policy, because we are non US citizens we can not manage our account by ourselves but only through them.So after depositing around XXXX XXXX dollars I asked the Bank to transfer all the money to an account in a XXXX Bank. BofA responded that According to the XXXX XXXXXXXX XXXX we need to have insurance ( which BofA offers to do for 15 % of the total amount... ) for the funds in order to receive the funds. After doing some cross checking with our Bank and XXXXXXXX XXXX XXXX  we were advised NOT to do anything because there's NOT such a prerequisite! After contacting BofA twice to provide some sort of proof of this claim, they have not responded with any kind of proof or law or anything. Kind regards, XXXX
Product: Debt collection

The company is attempting to collect a debt for {$70.00} dollars for XXXX the collection company is TRANSWORLD SYSTEMS but XXXX has no history of charges.
Product: Checking or savings account

On XXXX XXXX on a telephonic conversation with the customer service department at Sun Trust Bank , I was informed that my business checking account was closed due to unknown reasons and that for more information about this action, I needed to read the account disclosure pamphlet provided, at the time of opening the account, to find out about the legalities of closing of a business checking account by the bank. 

OnXX/XX/2020 I approached the Sun Trust Bank assistant manager XXXX XXXX to inquire about the banks decision regarding the closing of my business account at which he disclosed that the bank had made the decision to close my business account without any notifications and that the reason for closing the account was for a deposited check not clearing the account. 


I asked the Bank Manager as to when would my funds in the account {$3300.00} be available for withdrawal, at which he claimed that it would take 2 weeks for the bank to complete the closing process and a check would be mailed out to my attention approximately XX/XX/2020 After two weeks passed and no check was received, I approached XXXX XXXX again and informed him that no check had been received, at which he informed me that I should be receiving the check by 2nd week of XXXX and that was the best he could do, at that point I explained and expressed the hardship that my XXXX  and my family was facing due to the withholding of these XXXX  funds, however he couldnt help. 

From the time Sun Trust AKA Truist Financial decided to close my business account and withhold my funds {$3300.00}, to date I have not received any check nor any legal disclosure from these financial institutions regarding the action they took to close my business account and reasoning to withhold my funds {$3300.00} or a possible refund date. 

This action of closing my Business account and withholding of funds {$3300.00} by the Sun Trust Bank AKA Trusit Bank has caused devastating circumstancing not only for my XXXX  but also to my family. I had to close one of my XXXX, letting go XXXX XXXX, for the lack of operating capital and have had to seek help from federal and state agencies to feed my family. This frivolous action by Sun Trust bank AKA Trusit Financial is not only unwarranted but also in humane specially at a time of a pandemic crisis, where every agency in the United States of America is trying to help every being, stay alive and financially afloat.
Product: Mortgage

I received a request for XXXX document for my condo on XX/XX/XXXX. I immediately emailed the proof of the policy to BBVA Compass provided email. In couple weeks I received another warning from BBVA to place a mandatory Wind policy on my account. I called BBVA and they did not have my policy email and emailed that again to another email provided by BBVA on XX/XX/XXXX 
I did not work again. I received a statement that BBVA has placed a Wind Policy insurance on my account and my payment increased starting XXXX XXXX. I called again and they still did n't have my insurance. I emailed the proof again on XX/XX/XXXX. 
On XX/XX/XXXX I received a mortgage statement still showing wrong amount due for XX/XX/XXXX payment. I called BBVA again and they confirmed they just " sent a request '' to recalculate the payment. 
This is truly not a fair practice.
Product: Mortgage

We applied for temporary forbearance that was approved for XXXX, XXXX & XXXX. In XXXX we started the process to bring our loan current. Flagstar continuously rejected our application as incomplete because we didn't send XXXX months of bank statements for our rental income. I explained to them that we didn't start renting out the home until XXXX so I didn't have XXXX months of documents to send. Finally, I spoke to a supervisor in XXXX who told me all I needed to do was remove the rental income from the application. I'm not sure why I wasn't told this a lot sooner. 
I removed the rental income and resubmitted the application to Flagstar. They marked it as complete and said they had thirty days to review it. I asked if they could rush it since I started the process way back in XXXX. They said they would send a message to that department and see. I was contacted a week or so after that stating we needed to unfreeze our credit so they could check for any other debt on our credit report. I unfroze the reports while I had the rep on the phone and told her so. I only unfroze it for a day because I thought they would check it right away. I've called for status updates every week. Each time I was told the application was marked complete on XX/XX/XXXX and they have 30 days to finish it. 
My husband received a notification a couple days ago that Flagstar tried to run his credit but couldn't because it was frozen. I called them to find out what was going on because they NEVER call us when there's an issue. They just send letters via USPS telling us to call which just wastes precious time. The rep I spoke to said they needed us to unfreeze our credit and they need more documents regarding my husband 's income. I was furious!! 
I told them my husband is self-employed, which I stated on the application. I sent XXXX years of business tax returns when I originally submitted the application in XXXX. They said they had everything they needed on XX/XX/XXXX, now they're asking for more documents again. Documents that don't exist because my husband doesn't work a W2 job. I didn't list any W2 work on the application so I'm confused as to why they are requesting this. The rep asked me if I could upload the tax returns again anyway. I refused because when I log into my account and look at the documents I've submitted the tax returns are there. It's like they don't train the reps at all to be dealing with something so important.

At this point I asked where I could file a complaint against them because we are getting nowhere with Flagstar and I just want to get my account back to normal. I had to file for temporary forbearance with another mortgage company during COVID and the process was so easy! We've owned XXXX homes and Flagstar has been the absolute worst mortgage company we've ever dealt with!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a auto loan maybe a year ago and I see inquiries from multiple companies on my credit report that I did not approve I also see multiple credit card inquiries that I knew nothing of and inquiries that I'm not even sure what they are for that are reporting on my credit. 
XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX