23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was contacted by fraud department at first bank card about purchasing on my credit card. These charges were made in XXXX XXXX Nev and I live in XXXX TN Was also told my information was change and additional personal was added Credit card company had me to prove my idenity and cancel credit card and in processing of sending new card Was told to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO AFTER VIEWING MY CREDIT REPORT FROM XXXX AND DISPUTING SOME ITEMS OVER AND OVER AGAIN AND THE ITEMS ALWAYS COMING BACK AS " VERIFIED AS ACCURATE '' I DECIDED TO CONTACT THE DISPUTE DEPARTMENT OF XXXX AS WELL AS EXPERIAN. IMAGINE MY DISAPPOINTMENT WHEN I ASKED THE REP " WHAT EXACTLY IS THE INVESTIGATION PROCESS '' AND SHE REPLIES " WE DO NOT INVESTIGATE, WHEN A CONSUMER CONTACTS US ABOUT AN ACCOUNT ON THEIR FILE ALL WE DO IS PUT IT IN XXXX AND IF THE INFORMATION MATCHES AND THE CREDITOR SAYS IT NEEDS TO STAY ON YOUR ACCOUNT THEN THAT IS WHAT WE DO. SO AT THAT POINT THE FACT THAT I HAD TWO OTHER SOCIAL SECURITY NUMBERS ON M EXPERIAN ACCOUNT MADE SENSE BECAUSE THEY DO NOT CARE ALL THEY WANT IS MONEY AND WHATEVER AN FRAUDULENT CREDITOR WANTS TO PUT ON THE ACCOUNT IS FINE WITH THESE COMPANIES. SO WHILE TALKING TO THE REP FROM XXXX AND COMPLETLEY BEING SHOCKED I ASKED HER IF I COULD TALK TO A HIGHER UP DEPARTMENT AND I WAS TRANSFERRED TO THE EXECUTIVE CUSTOMER SERVICE DEPARTMENT WHERE A LADY NAMED XXXX CONFIRMED WHAT THIS LADY SAID. THERE IS NO INVESTIGATION. XXXX DOES ALL THE WORK WHICH EXPLAINS ALL THE INQUIRIES THAT HAVE BEEN ON MY XXXX REPORT. I CONTACTED THE ABOUT A LETTER THAT XXXX XXXX  SENT ME A WHILE AGO ABOUT A FRAUDLENT INQUIRY SAYING THAT THEY HAD SENT THE LETTER OUT TO XXXX AND EXPERIAN ASKING THEM TO REMOVE THE INQUIRY. THEY HAVE NOT REMOVED THAT ACCOUNT AT ALL. I HAVE DISPUTED XXXX, XXXX XXXX XXXX XXXX XXXX SO MANY TIMES AND WHEN I CONTACT XXXX AFTER THE " INVESTIGATION '' IS OVER AND AS THEM FOR INFORMATION SUCH AS WHO DID THEY CONTAT AND A NAMEAND ADDRESS AND POSSIBLY A PHONE NUMBER THEY REFUSE TO ANSWER THAT. NONE OF THE COMAPNIES LISTED ABOVE WILL VALIDATE THEIR DEBT WITH ME AND I HAVE CONTINUED TO MAKE CONTACT WITH THEM SEVERAL TIMES BUT THEY NSIST ON IGNORING ME. YET THE CREDIT BUREAUS SUCH AS XXXX CNTINUES TO UPDATE MY ACCOUNT AND ADD NEW ACCOUNTS. I DONT UNDERSTAND THE PURPOSE OF REGULATING THESE COMPANIES IF THEY ARE GOING TO CONTINUE TO PLAY BY THEIR OWN RULES. THE FDCPA GIVES ME THE RIGHT TO ASK FOR A VALIDATION OF DEBT. IT ALSO SAYS THAT ALL COLLECTION ACTIVITY MUST CEASE WHEN A DISPUTE IS GOING ON SO HOW CAN A CREDITOR VERIFY AN ACCOUNT AS ACCURATE IF IT IS IN DISPUTE. I M ASKING THE CFPB TO GET INVOLVED BECAUSE IT 'S ALWFUL THE WAY XXXX DOES IT CONSUMERS. GOD FORBID YOU ASK TO SPEAK TO A SUPERVISOR BECAUSE YOU WILL EITHER ASKED TO GIVE A CALL BACK NUMBER OR HAVE THE PHONE HUNG UP IN YOUR FACE AT XXXX. I HAVE UPLOADED INFORMATION AS WELL AS SENT IN LETTERS AND THIS CREDIT BUREAU HAS COMPLETLEY IGNORED ME AND I CONTINUE TO DISPUTE THIS INFORMATION! THE LAWS HAVE TO CHANGE FOR THESE BUREAUS ONCE AGAIN AND THERE CLEARLY NEEDS TO BE BETTER REGULATION BECAUSE THEY ARE NOT LISTENING OR EVEN INVESTIGATING THE MESS THAT THEY ARE PUTTING ON OUR CREDIT REPORTS. SOMEONE HAS TO STAND UP FOR THE CONSUMERS BECAUSE THESE BUREAUS ARE ALL ABOUT A PROFIT AND THEY ARE HURTING US AND OUR ABILITY TO LIVE.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report to find these XXXX unauthorized inquiries on my credit report
Product: Debt collection

I disputed it through XXXX XXXX after sending this letter in certified mail. I disputed this and they continue to raise how much I owe everything time I disputed it the account closed then I disputed to remove it I guess it got reopened once I did that. So its in collection in closed I dont know.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX 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.

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX*** ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Mortgage

I attempted on several occasions to save fro home from foreclosure, due to the fact I came down with a XXXX  XXXX on XXXX  which cause me to miss payments I tried several time to save my home and was denied help from Wells Fargo I attend a court date and was advised to turn my keys over on XXXX which I left in the mail box and they had a realtor to pick them up and was the end of my homeownership Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 6 disputes on 9 accounts with Equifax. Each time, they have updated the accounts with inaccurate information.

These accounts were from the U.S. Department of Education. The accounts were paid in full through consolidation on XX/XX/XXXX of 2018. They are still reported as Currently in Collections through Equifax. I have contacted both the U.S. Department of Education and Equifax on several occasions, with the last contact taking place on XXXX. They refuse to correct the issue. The Department of Education asserts they do not report on closed accounts. Equifax states that The Department of Education is reporting the accounts each month as " in collections. '' The Department of Education states this is not true. Equifax refuses to investigate or correct. They state they are investigating, and then update the account to show currently in collections and change the " as of '' date to whatever date they investigated. I am a federal employee and CAN NOT have an account showing as in collections. I am trying to purchase a home and this is also preventing me from doing so, as it reduces my credit score each time it is updated incorrectly.
Product: Mortgage

For the past two years I have been making my mortgage payments to Wells Fargo Home Mortgage. These payments have been made after a modification to my loan during a forbearance for COVID relief. 
My payments have been made since XX/XX/2021. I have been trying to refinance my mortgage. I have had issues qualifying because my payments are not being reported to the credit bureau. Because my payments are not being reported I have had a deficient score that has disqualified my efforts. My credit score is showing my mortgage in forbearance.
Product: Debt collection

I have fraudulently account that was place on my credit report onXX/XX/XXXX. I file a police report with XXXX and sent the report to company and all three credit bureaus. Company refuses to remove this negative account. Monterey collections services placed collection amount of {$11000.00} as ofXX/XX/XXXXand every year it goes up.
Product: Student loan

In XX/XX/year>, they called my work, my mother and my sister asking for money. I told them they do not have permission to call my sister or me at work and asked that they remove the information. 

They called my sister again today and stated I added her to the account when I signed for to loan. That is false because 1 she was a XXXX and 2 she didn't even have a phone number yet. They also listed XXXX other people they were calling who I never added to the account. I asked them to provide me written documentation of when I added them to the account. 

Additionally, I asked in XXXX and again today for them to comply with The Fair Credit Extension Uniformity Act, they far exceed 7 calls in 7 days ... sometimes it is close to 7 calls per day. 

Additionally, I have been paying them at least {$600.00} every month since XXXX and prior to XXXX my payments were on time through auto pay for years. After a mistake causing one rejected payment they canceled my auto paid and would not allow me to pay online only if I called them and they harassed me. The loan company is Mohela and acutally it was for a loan with XXXXXXXX XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX company have multiple collections acont for the account from XXXX XXXX XXXX I Already pay the account and this company duplicate this account in my report and this affects Moro my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX NEW YORK docket # XXXX XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/XXXX inquires requested on XXXX  XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I never received any type of debt notice. I only found out once the current tenants in my old residence saw me and gave me information from lawyers that said a lawsuit had been filed. I also made multiple attempts to contact them and have received nothing in return from them. 
I only found the website from receiving those correspondences, and per the legal documents they are trying to take triple the amount that is owed. They are stating I owe {$4100.00}.
Product: Debt collection

XX/XX/2023 To whom it may concern : CCS Collections/Progressive Insurance ( account # XXXX ) is still reporting this item on all three Credit Reporting Bureaus ( XXXX XXXX XXXX and XXXX ) as a collection against me when in fact, CCS Collections is NOT who I paid when I closed my account from Progressive Insurance and went back to XXXX! ! I was not informed of this debt nor when it was assigned. CCS Collections had NEVER sent me a notice to pay BEFORE it was placed on my personal credit report file ( Please notice the dates of delinquency, my last payment date of {$100.00}, status date, and the assigned dates!!! All discrepancies and should not listed on my credit profile at all!!! 

I PAID MY FINAL BILL DIRECTLY TO PROGRESSIVE INSURANCE COMPANY, ( NOT THIS CCS COLLECTIONS ) SOON AFTER I LEFT THEM AND WENT BACK TO XXXX!!! 

* XXXX agent informed me today, any collection companies are supposed to send the consumer a letter and notice to give us a chance to pay the collections, and are NOT supposed to be reported until a year of 12 months goes by BEFORE that collection agencys item is placed on our personal credit reports! 

Progressive Insurance was to REMOVE that account from their records. And off my credit profile!!! This is NOT a collectible debt its a " credit discrepancy '' that CCS Collections added to my credit file without my knowledge and is supposed to DELETE AND REMOVE THE ENTIRE COLLECTION ITEM OFF OF MY CREDIT REPORT!! I I addressing this matter to their CCS Collections office located at XXXX XXXX XXXX, XXXX, MA XXXX XXXXXXXX today on XX/XX/2023 to send correspondence that was supposed to be forwarded to all the credit reporting agencies to be DELETED, TAKEN OFF AND REMOVED ENTIRELY off my credit report! 

Its still showing active as of today, XX/XX/2023 ... This should have never been reported to their company in the first place and I want it to be removed IMMEDIATELY!!!
Product: Checking or savings account

Ive attempted to rectify a digital transaction and Regions has, lied, delayed, and misinformed me about information i need to submit to support a claim
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( reporting 3 months XXXX XXXX and late XXXX day ) Transunion : XXXX XXXX  Account XXXX XXXXXXXX ( reporting 5 months XXXX XXXX late XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXXXXXX XXXXBalance : {$3900.00} ; XXXX XXXX XXXX : {$470.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXX XXXX  XXXX Balance XXXX {$730.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$7600.00}.
Product: Debt collection

I applied for a home loan and found out there was a judgement on my credit report in which I still cant see when I pull up my reports.When I tried to contact the company I was told they only have limited information.I never received anything about this in the mail or this case even going to court.The information the company did send in the mail is not detailed at all. 

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

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is consistently dropping my score and incorrectly reporting the wrong credit score.

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by 50+ points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by 66+ points for no reason. 

XXXX is also inconsistent with Equifax and XXXX. 
All XXXX credit bureaus are inconsistent with each other, how can this be? 
Please help!
Product: Credit reporting or other personal consumer reports

I have a Capital One credit card. I've tried to raise my credit limit several times, but they keep telling me : " We were unable to obtain your most recent monthly payment data from the credit reporting agency '' I contacted the credit reporting bureaus and they said it's Capital One 's fault. Capital One tells me it's the credit reporting bureau 's fault and I can't get anywhere.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX and i've notice this problem on my Credit report in XX/XX/year>. I am writing to delete the following items in my file. The items i need to be deleted are listed in the report. I was hoping you can delete the item thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. I ask that the item be deleted to correct my credit report. I reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission 's identity theft affidavit. please delete the items as soon as possible from all three credit bureaus, XXXX, equifax and XXXX
Product: Credit card

I am writing to bring to your attention a persistent issue I have encountered with Comenity Capital Bank regarding an overpayment made on XX/XX/2024. Despite numerous attempts to resolve the matter directly with Comenity Bank, the situation remains unresolved, prompting me to seek assistance from your esteemed office. 

On XX/XX/2024, I made a payment to Comenity Capital Bank to ensure the timely fulfillment of my financial obligations. However, due to an oversight, I inadvertently made a duplicate payment to the same account. Upon realizing my error, I promptly contacted Comenity Bank to request the reversal of the overpaid funds. 

Since then, I have diligently communicated with various representatives of Comenity Bank, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and supervisor XXXX, in an attempt to rectify the situation. Each representative assured me that the reversal process would be initiated promptly, but regrettably, the overpaid funds amounting to {$710.00} have yet to be credited back to my bank account. 

I have provided a detailed record of my communications with Comenity Bank representatives for your reference : XX/XX/2024 : XXXX assured me that the payment would be reversed. 
XX/XX/2024 : XXXX claimed that the matter had been resolved. 
XX/XX/2024 : XXXX promised to investigate the refund but failed to follow up. 
XX/XX/2024 : XXXX informed me that the refund would take 10 days. 
XX/XX/2024 : XXXX reiterated that the refund should take 10 business days. 
XX/XX/2024 : Despite assurances from XXXX and XXXX, no resolution was reached. 
XX/XX/2024 : XXXX promised to follow up within 24 hours but failed to do so. 
XX/XX/2024 : XXXX attempted to transfer me to a supervisor, XXXX, who promised to investigate further but never followed up. 
Given the repeated assurances from Comenity Bank representatives and the prolonged delay in resolving the issue, I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate the prompt return of the overpaid funds. 

I kindly request that your office investigate this matter thoroughly and take appropriate action to ensure that the {$710.00} overpayment is credited back to my bank account without further delay. 

I appreciate your attention to this matter and anticipate a swift resolution.