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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Inquiries : XXXX XXXX  XX/XX/year> XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have XXXX credit cards with XXXX. My usage percentages were around XXXX % at the time. The company dropped my limits causing my usage to raise to XXXX % this is fraud as it is now sending false information to the credit agencies saying my usage is in the XXXX % when it was not until they dropped my score without informing me that they were rerunning my credit. I want to file a class action lawsuit against this company.
Product: Credit card or prepaid card

On XX/XX/2022, I logged onto my chase credit card app to review my recent credit card activity. When I scrolled to the bottom of the page, it said I was already approved for a new chase sapphire credit card. 

On the same day, I determined I wanted this credit card, so I clicked the button to submit my info to get the card. I instantly got a notification and email saying that theyve received my request for a new card, and my application is under review. Had I known that I wasnt going to be instantly approved, and that it could take up to 30 days for them to decide, I would of never applied for the card. 

I then contacted them via phone on XX/XX/2022 to figure out whats going on and they said there is nothing they can do and my application is being reviewed. This is an unfair practice. They advertised the offer to me as being approved, but then deceptively did not honor that, and are now making my application to be reviewed. I asked them if they could cancel my application and they said no. 

Now theres a hard hit on my credit report for a credit card I dont even want or wont even use because the company is deceptive. 

How can I go about getting this off my record?
Product: Credit reporting or other personal consumer reports

CHASE BANK is offering or advertising a free credit score check without you/me being a account holder or having an account, ( No chase account required ) with the BANK. However once you fill out the information you click a box that says you agree to receive text messages and calls about information etc, but you are then directed to a page that states that an online account can not be opened for you. This is a false advertisement and bait and switch.
Product: Credit card

Credit Card request by an unknown individual for a Cabela 's Capital One credit card remains on XXXX and other Credit reporting agencies as a hard inquiry dating back to XX/XX/year>. This is fraudulant and Capital One maintains they corrected this issue but it still remains on my credit report. 
File number : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX XXXX XXXXXXXX, US DEPT ED - XXXX, US DEPT ED XXXX XXXX
Product: Student loan

I was assisted by my school XXXX that is now closed and turned out to be a scam school to get a loan through XXXX. Once I had graduated from the course which I was told credits would transfer and I would be able to use them, for a real college which was a HUGE lie it was time to pay back the loan. Due to hardships such as a lost job, car trouble or just other surviving expenses I routinely would return the call of XXXX\navent after them calling 50-100 times a day asking them how they could help me pay back this loan that I had taken out in XXXX that was for about XXXX. Each time I spoke with them they suggested putting my loan into deferment \ forbearance to caltch up with my late payments, I had several family members call also to help me get ahead of this now daughting XXXX dollar loan that I am trying to STill figure out which would be the easiest cheapest way to pay off this loan. Ive called XXXX\navient several time in the many years of dealing with this loan and was always told I did not qualify for my payments to be lowered as well as told I was not making payments on loans when I was in fact sending in payments that where only going to XXXX of the XXXX parts of the loan which caused me to fall even further behind on this loan. Yes it was my fault for letting the issue go but when you have to pay rent have a car payment and have to put gas in your car to get to work so you have money to put food on the table for yourself and kid I think its crazy to tell someone that they do n't qualify for lower payments for the past 11 years and only up until I called them in the last month and stated I had a child which I had in the past did they give me the option of lower payments which a longer time frame of having to pay off the loan .. How do these companies expect people to ever get a head, I filled for bankruptcy last XXXX just to try and start over but I feel like this loan is just the one thing holding me back from getting my finances together. I would really like to know why it took so long to offer me any sort of lower payment solution when there was in fact after doing research a law passed in XXXX stating that student loan companies had to make it easier to pay these loans back, also still instead of trying to help me pay this loan they offer putting it back in deferment like its the best deal in the world when in reality its just making me owe them more money ... Please help me take this burden off my shoulders that I have had since XXXX and tell me what 's the best pay to way off this loan without having to go broke in the mean time ...
Product: Debt collection

RE : Cullimore and Coleman, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX In XXXX of XXXX I was sued for old apartment debt from XXXX and my wages started being garnished by a law firm located in XXXX, AZ. The law firm threatened my workplace for my information and they were coerced into providing my earnings so the creditor could renew an old judgement. I was not aware of the proceedings nor was I given opportunity to respond as I live in XXXX XXXX, NV and have no residency or work in AZ. When I contacted the creditor in XXXX of XXXX in regards to the garnishment, I asked for proof of debt and I received a manufactured lease which has clear mistakes in the dates and a notice without proper court seal. I was willing to work out a payment plan for the original judgement debt of about {$1900.00}, but I was not given opportunity to pay and creditor proceeded to garnish my wages for an amount over and above what was originally owed. I was garnished for 8 weeks prior to my layoff in XXXX of XXXX in which during that time I was garnished weekly ranging in amount from {$490.00} to {$270.00} per week. I am sure the original debt has been satisfied yet the creditor will not cease. I have a dependent which I communicated with the creditor and garnishment was not reduced. The garnishment caused my child and I to XXXX XXXX. The creditor is currently refusing to work with me and I can no longer reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX is showing a balance it's a charge off charge offs are not allowed to show a balance I have disputed this 3 times with them and I sent XXXX XXXX XXXX a VOD they never responded I sent them this proof they deleted it and then 2 months later they put it back on my report I did not get a re insertion letter I laws say they suppose to tell me before they put it back on. 
3. This first time I disputed it XX/XX/2018 I waited 45 days with no response they suppose to have deleted everything then they did not
Product: Student loan

Good evening, I 've been paying my private student loans to Navient, formerly XXXX XXXX, on time every month for two years using autopay in order to participate in a reduce interest rate program. I 've never missed a payment or called to defer payments. I recently received tax bills ( XXXX old, XXXX from an amended return for this year ) and it 's going to take a considerable portion of my disposable income over the next couple of months to pay these bills. I called Navient yesterday afternoon to ask for a two month suspension of payments while I handled my tax obligations. 

The representative on the phone told me that since my loans were private, there were no options available. No forbearance. No deferments. I advised her of my situation and she understood that my obligations to the IRS and State were of priority, but stated that their hands were tied. I was forced to cancel my autopay indefinitely in order to prioritize the payment of these unexpected expenses. The representative on the phone advised me that in doing so, I was terminating my enrollment in this reduced rate program, would be ineligible to re-enter the program for a year, and that I would be put in default almost immediately after missing the first payment since these loans were private. 

I honestly just wanted a little flexibility in my payment terms while I took care of these tax bills and they have refused to help. I 'm now looking at missing my first payment ( and going into their proclaimed automatic default ) on the XX/XX/XXXX. 

It 's ludicrous to say " we ca n't help you '' when I 'm making a XXXX dollar per month payment ( 75 percent of which goes to interest alone ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report, which have negatively impacted my ability to obtain credit on fair terms. Specifically, Experians use of faulty software resulted in an incorrect credit score being provided to lenders, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which mandates the highest level of accuracy in all reported information, including credit scores.

Upon reviewing my credit report, I have identified multiple discrepancies and request a thorough investigation. Please provide detailed information regarding the methods used to verify the accuracy of the following accounts : XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXXXXXX ( Account # XXXX ) Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have a number of accounts with Synchrony. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile shows 30 days late 60 days late incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, filing this complaint independently without any involvement from a third party. I have attached letters to provide you with detailed information regarding the inaccurate reporting in my credit report. The reported information shows inconsistencies and untimely dates across the three credit bureaus : Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

This company is providing an inaccurate information in my credit report. 
I had a Hard Inquiry from XXXXXXXX XXXX on XX/XX/year> I contact the company who provided this hard inquiry and they send a letter responding my answers. 
This hard inquiry is turn into a soft inquiry, but the bureau agency Experian havent change my information violating my rights under 15 U.S.C 1681s 2 ( A ) ( 1 ).

I leave the letter below so you guys can identify the proof of my dispute.

Thank you!
Product: Mortgage

In XX/XX/XXXX, i lost my job and i called PNC XXXX to ask about getting help for 3 months ( XXXX, XXXX, XXXX ). I asked for those payments to be added to the end of my loan term. PNC advised I visit their website and apply for the financial heardship. Once that process was complete, my representative was XXXX XXXX and he had me gather documents. I did have issues uploading them and another rep was able to give me johnnies email and I was able to email him the documents. I received a letter stating that on XX/XX/XXXX my forebearance was approved. I signed and sent it back via priority mail on the envelope that was provided. The form stated that my payments were suspended until XX/XX/XXXX. In XX/XX/XXXX i received a call from PNC stating that i needed to pay the XXXX payment as they only did the forebarance for XXXX. I explained that i was not working and i couldnt make a payment until XXXX which is why i asked for help for XXXX. They said it was fine and to pay just as soon as i could. In the month of XXXX i called on XX/XX/XXXX to make a payment but i was told since i was in loss mitigation, that it wouldnd be removed until XX/XX/XXXX and they cant process payments until then. I was told I had to speak to XXXX as I cant make payments. They transfered me over and i left a message. At this point i was worried as i needed to make my payment, and my paper work had said i could make payments but yet they wouldnt actually let me make the payments. I agave some time and no call back from johhnie. I then sent an email to XXXX XXXX on XX/XX/XXXX because i hadnt heard back and it was another month. And at this point I wanted to have in writing what is going on. He responded on XX/XX/XXXX and said that my inquiry was received but that he can only discuss via phone as they are unable to respond via email. I called on XX/XX/XXXX and was told I had to pay XXXX now. I told them no becuase i was in foreberance and those payments were supposed to added to the loan as I was removed from mitigation. She transfered me over to XXXX and I had to leave another message. 

I am upset because I reached out on time to get assistance, I especifiaclly needed to add those payments to the end of my loan. Because who in their right mind thinks that someone who is not working can magically come up with all the payments at once? I reached out trying to get things paid in XXXX to just be declined and advised to wait until XX/XX/XXXX. then when i wait as i am told with no return calls from XXXX i now have to come up with over $ XXXX!! 

I have not had any late pays in years, this was my first time in YEARS to be jobless and i thought i was doing the right thing by getting started early and communicating but at this point it seems like it was purposely made impossible to pay just to get the chance to loose my home. I have beentrying to make my regular payments and I gave PNC my trust that they would do their part and they didnt. instead they are creating more of a financial hardship while i was trying to make things better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The accounts below need to be corrected : XXXX XXXX XXXX XXXX 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

Experian is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
Product: Debt collection

I co-signed, with my then husband, an unsecured line of credit in XXXX with what is now JP Morgan Chase Bank. Not once during the past 20 years did that bank or any subsidiary ask for for any credit information or updated financial statements from either my ex-husband or me. 

They NEVER verified that entire 20-year time period whether my ex was solvent - no request for tax returns, financial statements, proof of income - NOTHING. 

I kept current with my own personal line of credit and paid it off in XXXX. Despite a certified divorce decree specifically ordering that my ex pay off his own line of credit, the bank went after me for the full amount of {$77000.00}. I reluctantly settled and paid them {$38000.00}. 

Had this bank followed federal regulations and demanded credit info over the past 20 years, they would have learned a lot sooner that my ex was insolvent. They waited until he died to go after me for his past due amount. They should have NEVER kept extending his unsecured line of credit note for 20 years without financial updates!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Wells Fargo failed to pay property taxes in XXXX, for which I notified them and filed a formal complaint. They indicated they paid the back tax in XXXX, including the penalties. I recently received a notice from a collections agency that nearly {$12000.00} in school and local property taxes were not paid, {$2000.00} is for penalties. Wells Fargo was notified, and they continue to deny but it is valid. There will soon be a lien on my home. Throughout the process Wells Fargo has jacked up my mortgage nearly {$1700.00} a month for taxes they state they are paying, they have refused to complete an escrow analysis following a finalized court case on the property assessment appeal, and they have refused to allow me the option of managing my own escrow account. Managing it on my own would have proven more successful with both time and money. I have filed XXXX formal complaints with Wells Fargo but get nowhere.
Product: Credit card or prepaid card

I 'm a XXXX XXXX at the XXXX XXXX of XXXX XXXX. I also play XXXX for the college, while trying to work two jobs and help my mother out at home with my little brother. I do n't make a lot of money so I pay what I can when I can. I normally always pay the minimum payment and sometimes I pay more when I can. I missed my XXXX 2017 payment once and It seem to be effecting my credit score. I 've payed consistently for months. I 've asked from a XXXX and got denied. I 've been trying to rebuild my credit score.
Product: Credit reporting or other personal consumer reports

This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX  Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists