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

1. EQUIFAX is reporting my closed Zero balance Credit Cards and Credit store cards multiple times. I have requested on several occasions to remove the multiple accounts for years and to no avail the accounts are being reported monthly. 
2. EQUIFAX is reporting my Credit Cards as closed with zero balance. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  , DC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dispute of Late Payments on Credit Report Reference to 15 USC 1666b Dear Consumer Financial Protection Bureau I am writing to formally dispute the late payments listed on my credit report. According to my records and in accordance with the Fair Credit Billing Act, specifically 15 USC 1666b, there appears to be inaccuracies in the reporting of my payment history. 

Transaction Details : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transaction Details : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation of Dispute : Upon reviewing my credit report, I have identified discrepancies in the reported late payments. I have attached supporting documentation, such as bank statements or payment confirmations, demonstrating that my payments were made on time. As per 15 USC 1666b, I am entitled to a fair and accurate representation of my credit history. I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies on my credit report. Enclosed are copies of the relevant documents supporting my claim. Please consider this information in your investigation and update my credit report accordingly. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I submitted documents for a loan modification to Nationstar. Every XXXX months I would receive more loan modification packages to fill out. I would fill them out and submit them as requested. I was assigned a XXXX. I have never spoken to her because each time I called her at Nationstar, I was told they could not transfer calls. XX/XX/XXXX my home was bought back by the bank at an auction. I contacted Consumer Affairs, Nationstar said it would take XXXX days for them to respond. XX/XX/XXXX I received an email from Nationstar telling me my modification was denied XX/XX/XXXX. I did not receive the letter. I have called Nationstar on numerous occasions to inquire about the status of my modification. No one told me that I had been denied the loan modification. I want to keep my property and get a loan modication. What can I do to keep my home?
Product: Credit card

I got the XXXX Comenity Bank credit card promising no interest for a purchase if I pay in full within 6 months. I purchased {$7900.00} on XX/XX/XXXX and the 6 month deferred interest plan would expire on XX/XX/XXXX. 

Within the last two billing cycles in my deferred interest period, my remaining balance to pay in full was {$3100.00}. Within the last two billing cycles in my deferred interest period, I made payments and received a partial refund of the original purchase amount totaling {$3200.00} which is more than the balance owed : DATE TYPE AMOUNT XX/XX/XXXX PAYMENT {$1000.00} XX/XX/XXXX PAYMENT {$220.00} XX/XX/XXXX PAYMENT {$520.00} XX/XX/XXXX PAYMENT {$990.00} XX/XX/XXXX REFUND - CREDIT {$170.00} XX/XX/XXXX REFUND - CREDIT {$320.00} TOTAL {$3200.00} Comenity Bank did NOT apply my amounts to my deferred interest balance despite the requirement to apply any amount over the minimum payment to deferred interest balance within the last two cycles in the deferred interest period. Instead, Comenity applied a partial amount to the deferred interest balance whose deferred period expires on XX/XX/XXXX and applied the remainder to another deferred interest balance whose deferred period expires XX/XX/XXXX. Now Comenity Bank claims that I did not pay my {$3100.00} balance in full and is forcing me to pay accrued interest of {$870.00}. 

I called XXXX - Comenity servicing on XX/XX/XXXX and spoke to a supervisor who admitted the system should have applied my payment to the deferred interest balance expiring XX/XX/XXXX as that balance was set to expire first and it was within the last two billing cycles in the deferred interest period. However, the supervisor did not resolve my issue, and I have not received a follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened sometime  in 2016..the b alance is over {$2000.00} ... I had an account with  XXXX  ... I left  XXXX , paid  the balance and returned all equipment yet they are reporting a balance to  XXXX  ... I 've trie d to get this resolved through  XXXX ,  XXXX  and  Source Receivables. I 've also mailed them proof.
Product: Debt collection

I am disputing this debt for XXXX XXXX that is currently in collections. I have no knowledge of this account and I have not received any information regarding this account from XXXX or the assigned collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

on approximately XX/XX/2021 I called Experian and spoke with XXXX and noticed Experian has added somebody else 's address in my credit rfile, I told by XXXX that are on my file is inaccurate she told me she will not remove them and then hung up while i was still on the line. Experian is violating the provisions of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report once in a while and I was surprised to find out that I have 4 hard inquiries that I have no knowledge of and that I did not authorize. Inquiry # 1 XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 2 XXXX XXXX BANK XX/XX/XXXX, Inquiry # 3 XXXX XX/XX/XXXX, Inquiry # 4 XXXX XX/XX/XXXX, Inquiry # 5 XXXX XX/XX/XXXX, Inquiry # 6 XXXX XX/XX/XXXX, Inquiry # 7 XXXX XX/XX/XXXX, Inquiry # 8 XXXX XX/XX/XXXX, Inquiry # 9 XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 10 XXXX XXXX XXXX XX/XX/XXXX. I immediately contacted each one of them by mail asking them to send me any kind of authorization made by myself, or if they made an error to have the inquiry removed from my Experian credit file. I also sent a dispute to Experian about the ten inquiries that I mentioned on my credit report. I asked Experian to open an investigation and some of them responded by mail stating that they will not remove the hard inquiries because at the time that the information was provided at the time matched the credit bureau files and that the inquiries will be removed after 25 months, and some of them did not respond and I find that very concerning because I did not ask them when the hard inquiries will be removed or when the information that was provided at the time did match or did not match the credit bureau files. When I sent the companies a letter it stated that I have no knowledge authorized of that inquiry and I demand any kind of document which they did not send. Then I contacted the companies by phone demanding them to have that removed because it was not me. I asked them to send me a signed document by me or a recorded phone call authorizing them to pull my credit report then the representative said that they need to order the signed document from the archive. In all the attempts I made by phone or mail I did not get any appropriate response from the ten companies that I mentioned. Experian did not respond to my letter more than 35 business days and by law a credit bureau must respond within 30 business days when opening a dispute and an investigation, and if they do not respond, by law it has to be removed from the credit files. I did contact Experian by phone after 35 business days to follow-up and they told me that they can not remove hard inquiries from a credit report only if the financial federal bureau will order them to have it removed. Therefore, I ask the CFPB to open an investigation and order Experian and the ten companies that I mentioned to have the ten inquiries that I mentioned deleted and removed from my credit file or send me any document that authorized the ten companies that I mentioned to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX .
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX and I'm having an issue with a peer to peer lending company lenmo, my application was denied from the company which is not a big issue. My problem is that they don't want to release the reason why they denied me the loan. They said because of verification and I was asking what verification they had a problem with. They said for my security they can tell me the reason why, I know by law they have to give me the reason why they denied me, I gave this company my social security number and info and they can give me a reason. I know with any loan company they will send you a letter saying the reason. This lenmo company did not send nothing. No letter or email. I had to reach out to them on this issue. Please help me to get the answers I need.
Product: Credit card or prepaid card

I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.
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 privacy and confidentiality under USC 1681. 

I told the Experian, XXXX, XXXX to reinvestigate these accounts ; Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX . However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to15 USC 1681i ( 5 ) they are suppose to be modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.to Also, they aren't even in compliance with metro 2 credit reporting. i have evidence to prove my case.
Product: Payday loan, title loan, personal loan, or advance loan

in XXXX of 2022 I got a loan from this loan company for solar panel and they were supposed to verify that the product was finished before they pay and they didnt I at same as a lot of people was scammed for that company selling solar panels I had been talking to the loan company to get my loan canceled but they refuse even that they know about this big scam also I know they had canceled a lot of loans for the same reason but they refuse to cancel mine my panels didn't got finished and the solar company doesn't exist any more so they are making me pay for something is not functioning I'm retired person and when I got this I was thinking on save a little on my bill instead I'm with a double payment and I cant afford
Product: Checking or savings account

On XX/XX/22, XXXX XXXX XXXX XXXX for XXXX XXXX closed a savings account, # XXXX, where XXXX was primary account owner. The account had {$77000.00} in it and XXXX XXXX, XXXX XXXX, informed XXXX that a cashier 's check would be issued to the XXXX, XXXX, location at XXXX XXXX  XXXX XXXX XXXX XXXX Ca, XXXX, once the savings account reached the top of the queue and processed within 10 -15 business days. XXXX reassured XXXX that that account was in transition to close and that no one could make further transactions on the account. 

However, on XXXX, XXXX XXXX XXXX a secondary account holder was able to make two transactions on the savings account, despite reassurance from XXXX. XXXX contacted the phone bank and transferred {$2000.00} from the savings account. XXXX told the phone banker that the account had been stolen. The phone banker did not read the various case file account notes regarding the primary account holder closing the savings account. XXXX instructed the phone banker to send the cashier 's check to his address in XXXX XXXX, Ca. 

On XX/XX/22, XXXX was informed by XXXX that she could not stop the cashier 's check from going out and being cashed by XXXX and that there was nothing she could do. She stated that the cashier 's check could not be frozen, retracted or flagged to prevent it from being cashed. XXXX stated that XXXX needed to hire an attorney to recoup the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company is trying to access my credit. Experian, denied any information to then, but is adding on my credit report as inquiries. Nobody can see my score, but still taking points as inquiries. Try everything, called, email on messages on site, because they do not list a email to send This is going for months. Please help..
Product: Vehicle loan or lease

BMW Financial Services informed during Covi19 no late fees or credit reporting while trying to make payments due to loss of job and earrings. They decided to change that in XXXX. I didnt received any notification via email or official letter in the mail. They have posted derogatory 30 days in XXXX and also XXXX when in fact they received full payment during the ten day grace period.Payment due date is XXXX of each month. Account is up to date but they continue to mislead the report past due in XXXX which is not correct. On the XXXX also the XXXX and on. They have changed the report several times with wrong information and not what should be up to date. They also explain that they added XXXX to derogatory while the no report to credit bureau and late fees rule still applied. Per BMW Financial above rule stopped applying on XX/XX/XXXX. As of XX/XX/XXXX they continue to mislead my report with XXXX past due as of XX/XX/XXXX This is unacceptable as the information is not correct they are not owed that money as the new payment is due XX/XX/XXXX for the regular monthly payment. 
I have disputed over and over with the bureau and they continue to change report to make it look the account is past due. Which is not. I have documentation to support. Also they have a recording via phone in case you need help during COVI19 when you ask about. They say is an old prompt and doesnt apply. We are still in a pandemic with loss of income and jobs. I find this actions irresponsible and careless as is certainly a game for this people to ruin peoples credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : 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 Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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 card

American Express will not allow me to redeem cash back rewards, as advertised, without me providing them with an email address that they can dump trash email marketing into. They have widely advertised their cash back reward card but have not indicated that an email address for AMEX 's use and convenience is required to redeem your earned cash back credits. Yet I just tried to redeem my cash back credit through their online website and was not allowed to do so without providing them with an email address they like better than the one I gave them ( a non-working one appropriate for the junk email dumping AMEX wishes to use it for ). 
Why is a company as deceptive, unfair and abusive in its practices as AMEX allowed to violate people 's privacy and put them at risk by demanding an email address for their own marketing purposes? Why are people being forced to pay for more of AMEX 's advertising than they want to or should be required to?
Product: Credit card or prepaid card

I have called Synchrony Bank raveling my Amazon Store credit card on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time I have reported that I wanted to cancel " CARD SECURITY XXXX XXXX XXXX XXXX '' protection plan , which Amazon automatically enrolled me in upon receipt of the credit card. Each time the representative stated that would cancel the plan and I would be reimburse the charges going back to XX/XX/XXXX. However, the protection plan is still not cancelled and I continue to be charge for the protection plan regardless of my request to cancel it.