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

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

Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 6, account XXXXXXXX XXXX In Account Info section : Recent Payment information is missing. Balance information is missing. Balance Updated information is missing. Monthly Payment information is missing. Highest Balance information is missing. Also, Status says Paid in settlement. # {$13000.00} written off. It should not say Written Off if it was paid. This is misleading. 

In the Payment History Guide : All information from the opening of the account through XX/XX/XXXX is missing. 

In the Balance Histories section : It shows a balance of {$5600.00} for XX/XX/XXXX which is inaccurate. Also on that same line it shows a {$0.00} payment on XX/XX/XXXX which is the wrong year. 

In the Comment section, it says Account paid in full for less than the full balance. How can an account be paid in full for less than the full balance? This is confusing and inaccurate. 

Please correct all of the information listed above or delete the account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXXXXXX XXXX on several occasions with no resolve. 
I have verified with Experian my Correct Name address and all other personal information. 
Experian knows that XXXXXXXX XXXX XXXX is not my address and never has been my address it refuses to remove this inaccurate address or account from my Credit report. 
Experian argues that XXXXXXXX XXXX gave them this inaccurate information so they cant remove it. 
I have only one address XXXX XXXX XXXX XXXXXXXX LA XXXX. 
Anything else reported on my Credit Report is inaccurate and incomplete. 
XXXX XXXX XXXX does not even show a geographical code or is available on a map in the United States. It does not exist.
Product: Debt collection

I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received
Product: Payday loan, title loan, or personal loan

I am aware of how much they deduct from me Until I start noticing why my balance is still the same amount like it goes in circles, never ending payments. After I pay {$440.00} something dollars on due date, after a week before the next due date my balance is going up again the same from the last time I paid. The interest is so high so I did call a toll free number to verify if this company licensed, and to my surprise an agent said the company is not licensed at all. I am from California, the amount I borrowed was {$500.00}, at first the pay back amount was {$170.00} dollars every two weeks, 20 times, as it was stated on the agreement. Then after I paid my very first payment, there 's an option ontheir website called " loan up '', where u can borrow again but less than to what u first borrowed, and did that few times until the agreement change from {$170.00} to {$440.00}. My main concern is is this legal In California? The interest is so ridiculous high. And it is not licensed. I dobtk ow what to do anymore.
Product: Checking or savings account

To whom this concerns, My name is XXXX XXXX. I am looking to file a dispute with you for a transaction that was filed threw the XXXX app. The dispute case number is XXXX. This first charge was charging me XXXX threw XXXX for bit coin and on this email that was sent to me was a number that you use to call to let them know that this transaction was not you. When calling that number, they stated that they want to have transfer money to my partner. This transaction was for the sum of {$4.00} and some change. I will be sending this information to you XXXX XXXX and XXXX. While on this call with this so-called representative my partner came home to help try to resolve this and he noticed that there where calls that where ringing in the call as well. When my partner spoke up and questioned why he hears ringing in this call the rep stated that there are other people here that are working with other customers. This went on for awhile and then my partner began to question this person that I was dealing with. We began to check the accounts and it did go through. The rep began to say that nothing will happen to your account, and you will be getting all your money back. He wanted to have us use the XXXX and XXXX app and then began to say that he wants to purchase an XXXX e-gift card for the sum of {$1.00}. Upon this request my partner had thought about this and said to me this is not right. Also, the agent was also asked how is the agent a certified rep from XXXX? The rep stated that he was and now he is using an offline server where the account will be safe. After two and a half hours he hung up and nothing was resolved Attached with this letter is the screen shot of the response from XXXX and the direct text message that was sent to my phone that claiming that this person was working from XXXX and the invoice from XXXX XXXX a suppose representative from XXXX XXXX. Plus, a police report will be corresponding to this as well from XXXX XXXX Police Department. There were no other benefits from me loosing out on the hard-earned money that worked for and now that I am out of this money from this scam ; this has caused many financial issues for me. I did not benefit from any of the actions from XXXX or even gained any financial stability. Once this police report is filed I will submit the report to the bank to help resolve the matter. If there is any other information that you need, please feel free to call me or reach out by email. 


Thank you for your time. And I hope to speak with you. 
XXXX XXXX Email Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize : Acct Name : XXXX XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bloomingdale 's by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.
Product: Debt collection

Unknown company listed on my credit and unknown account and bill I have disputed and nothing received
Product: Debt collection

The company is not bonded in the state of texas to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is my final communication regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1- XXXX - XX/XX/2018 2- XXXX - XX/XX/2018 3- XXXX XXXX XXXX XXXX XX/XX/2018 4- XXXX XX/XX/2018 5- XXXX XX/XX/2018 6- XXXX   XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX  time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/18 : Mattress Firm employee offered to check and see what I would be approved for if I decided to finance when purchasing a mattress. I agreed to a credit check, and the employee took down my information ( SSN, address, DOB, income, etc ). Synchrony Bank ran check and said I was approved for {$6000.00}. I told Mattress Firm employee " Thanks, but I dont want a loan - I just wanted to check and see what I would be approved for, like you said. '' I left the store without purchasing a mattress. I never signed anything, never received any paperwork, etc. 

XX/XX/18 : A week later, I received a new credit card from Synchrony Bank. However, I never signed or agreed to receiving any credit ( and in fact, *explicitly* said I *didnt* want credit ). This was clearly deceitful practice by the Mattress Firm employee, as " checking to see '' what I would be approved for and " opening a line of credit '' are two different things. 

I called the bank immediately and cancelled the account. I explained multiple times that I did not sign up for this account and I was misled. I only agreed to checking to see what I could get approved for, not for actually getting a card. The rep on the phone submitted the request and said I would have to speak with Mattress Firm directly about the issue. 

I called Mattress Firm 's customer service, who was very polite and tried to handle the issue. However, she stated I need to speak directly to manager of the store ( Mattress Firm XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX ). 

XX/XX/18 : Mattress firm manager calls and makes me feel like a mental midget. I explained that I ( verbally ) agreed to checking to see what I could get approved for, not for actually getting a card ( and not signing anything ). The manager refuses to acknowledge that there was an issue, stating that it is " unstated common knowledge that when you give someone your information they will open a line of credit. '' The fact that it is " unstated '' means that there is obviously some issue here. We go back and forth until the manager hangs up on me. I've never felt my intellect insulted as much as on that phone call. 

Also, this apparently isnt so common : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Equifax has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and prior settlements. 
On XX/XX/XXXX, I submitted a formal notice of identity theft to Equifax, along with all required documentation. This included : A copy of my government-issued identification. 
Proof of address. 
An FTC Identity Theft Report. 
A police report documenting the identity theft. 
In my notice, I identified the following fraudulent accounts and information that must be blocked and removed from my credit report 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  Despite providing all legally required documentation, Equifax has not blocked or removed the fraudulent accounts and information from my credit report. They have also failed to provide any written confirmation or explanation for their inaction, as required under the FCRA. 

Equifaxs inaction violates the following provisions of the FCRA : 15 U.S.C. 1681c-2 ( a ) : Requires Equifax to block and remove fraudulent information within four ( 4 ) business days of receiving notice and supporting documentation. 
15 U.S.C. 1681c-2 ( b ) : Requires Equifax to notify furnishers of fraudulent information of the block and removal within five ( 5 ) business days. 
15 U.S.C. 1681c-2 ( c ) : If Equifax refuses to block or remove the information, they are required to provide me with a notarized copy of evidence supporting their decision and an affidavit attesting to the authenticity of the disputed information. Equifax has failed to fulfill these obligations. 

Equifaxs failure to block and remove the fraudulent accounts and information has caused me significant harm, including : Denial of Housing : I have been denied rental housing because of the fraudulent accounts negatively impacting my creditworthiness. 
Denial of Credit : I have been denied credit and loans, including an auto loan, due to the false information on my credit report. 
Emotional Distress : The stress, anxiety, and frustration caused by Equifaxs inaction have significantly impacted my personal and financial well-being. 

Equifaxs failure to act is particularly egregious given their prior legal obligations under the XXXX Federal Trade Commission settlement following their XXXX data breach. This settlement required Equifax to improve its handling of consumer disputes, ensure the accuracy of credit reports, and promptly block fraudulent information related to identity theft. 

Equifaxs noncompliance demonstrates a continued disregard for its obligations to consumers and the law. I respectfully request that the CFPB investigate this matter and hold Equifax accountable for its violations of the FCRA and prior settlement agreements.
Product: Vehicle loan or lease

I have had several issues with Capital One Auto billing over the past few years, this car has had some MAJOR mechanical issues which at this point has cost me tens or thousands of dollars just to keep the car on the road. I began reaching out to Capital one alerting them to the financial issues I was having regarding the repairs on the car and it not being able to pass emissions or get new tags in Colorado, i believe I began calling around XXXX of XXXX. At the time I was hoping for some sort of relief or help due to the thousands of dollars I was spending to keep the car on the road, at that point my loan was current and I was told that I cant get any loan assistance unless the loan was delinquent. I then had more financial stresses in XXXX of XXXX, and called back again because it made no sense that I couldn't get assistance unless I was delinquent, unfortunately I was told the same thing. In XXXX I was unable to make my payment as I planned, so I reached out again and was told that I needed to have more than one month delinquent in order to apply for assistance, BUT not to worry when I got the assistance approved then Capital One would remove the late payments the reported at this time. Well that never happened. I was able to get the loan current on my own several months later in XXXX. I again fell behind on payments in XXXX of XXXX due to having XXXX, and my father and mother both being XXXX and lots of unexpected expenses I called and worked out a modification in XXXX and yet again the payments were supposed to be added to the back end of my loan, but as I can see from my credit report they have not been and are severely damaging my credit. At this point I have been able to struggle and get the loan back current and I would love to refinance and get away from Capital one, yet I cant due to the lates they are incorrectly reporting. I have also disputed these late payments again but decided at this point to reach out to the CFPB because frankly I feel like I get told what I want to hear from Capital one to appease me then they don't follow through on their end. Can you help me get this rectified, in both of these situation 's I could have borrowed money from family to make this account current but didn't want to burden family with that request if I could have worked it out myself, and both times I THOUGHT I did the right thing only to still be dealing with incorrectly reporting late payments. I by no means have been perfect and have fallen behind on several occasions but I contact the creditor and try and work out good faith plans, i just wish I had have known they were still going to continue reporting this incorrectly before it happened so I could have made a different choice. I now feel mislead and Coerced into paying late, creating late fees and more income for the creditor.
Product: Mortgage

Amerihome has an issue with its payment system. When I do an electronic funds transfer it's always reversed within a couple of days. This wasn't a problem with the first few months. I called the bank and they said there is no issue on the bank 's side. 

I sent a check as requested by Amrihome but it was sent back with a letter stating " 5 possible reasons '' why they won't accept the check. Now they want " certified funds '' which I can't do in one place because no one locally will do a money or cashier check for that amount. 

Because their system is not working properly, I must carry a lot of cash on me in public to get multiple cashier checks. This is dangerous and extremely inconvenient. 

On top of this, they have ruined my credit by reporting the payments as being late on top of demanding late fees. So now they have captured me as a client and can get away with ripping me off for a problem they are on their side to start with. 

You would think a main topic for a mortgage company to focus on is the payment system Since it's key to the success of any mortgage company.
Product: Mortgage

We were offered a Deed in Lieu of Foreclosure in XXXX of 2016 by NationStar Mortgage.. We vacated the property and were assured the account was closed in XX/XX/2016. The Company is reporting that is was not closed until XXXX of 2016 and on some reports XXXX of 2016. This needs to be corrected. We have disputed this through the credit bureaus as well as tried to make headway with NationStar to no avail.
Product: Student loan

I have a student loan with XXXX and it should have been forgiven due to a lawsuit against the school and I am still being charged. I need that amount forgiven ans my credit report to reflect such. They keep adding ontersr ro the loan and it should be paid off. I had been paying on this loan for years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inaccurate and unverified inquiries from multiple sources. I have reported the issue to Equifax on XXXX/XXXX/2021 via phone and XX/XX/2021 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Product: Vehicle loan or lease

My car loan company Flagship credit Acceptance has not reported to any of the 3 bureaus since XX/XX/2023. They are giving me the run around and everytime I call they advise me to call the next business day or that they will have the supervisor assist me. I have not received any response. I asked for corporate contact and was told that corporates number was not active at the time. I am becoming suspicious and needs some help. 

Thank you
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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX