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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft with Shellpoint New Rez account numbers XXXX, Shellpoint New Rez account number XXXX, Shellpoint New Rez number XXXX, XXXX Account number XXXX, and XXXX XXXX Account number XXXX.
Product: Debt collection

I received a letter from Asmsher collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by XXXX rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up. I pulled my credit report and saw that it appears as a negative account from Amsher collections.
Product: Debt collection

This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, Wells Fargo Dealer Services on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.
Product: Credit reporting or other personal consumer reports

My XXXX and XXXX XXXX XXXX both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.
Product: Checking or savings account

I was supposed to be paid today, XX/XX/year>, and I received confirmation from my employer that the direct deposit was sent. However, the funds are not in my account. Capital One is providing XXXX updates as to when the money will be available. I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft through a data breach at XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes Transunion has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : 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 card or prepaid card

Capital One is blocking me from enabling the external application XXXX.
Product: Student loan

On XX/XX/XXXX, I submitted a form to update my Public Service Loan Forgiveness Payment count. I had worked full-time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX, and was eligible to have these payments count towards my payment count using the using the Temporary Waiver.

Unfortunately, my lender, Mohela, has not updated the payment count for these months. I contacted them a few months ago, and they said that it should take 90 days for the payment count to update. I contacted them again today, and they said the loans were conditional, even though the signed forms that I submitted showed that I worked more than 35 hours a week. My account number is XXXX.
Product: Checking or savings account

On XX/XX/2023, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. 

The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day XXXX ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/2023 and have maintained this balance through XX/XX/2023. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements.
Product: Debt collection

I received a notice from a debt collector saying the debt would be submitted to the credit bureau for negative reporting. The amount is {$490.00} and the letter is dated XX/XX/2024.
Product: Checking or savings account

I tried several times to open an account with wells Fargo I had opened an account before in XXXX  and it was closed because I was getting overcharged with things I had no idea what it was. But I'm trying to reopen an account online but it won't let me and I'm not getting a reason why.
Product: Checking or savings account

I was involved in a scam where I lost {$18000.00} between XX/XX/year> and XX/XX/year>. It was a job scam where I was participating with the expectation that I would receive my money back. But after a few days the scammers were holding around {$9000.00} of my money hostage unless I deposited another large amount of money. I tried to get my money back by depositing another 9k and they kept the entire amount.

I have filed a case with cyberclaims and we were at the point that they instructed me to file a claim with Wells Fargo in order to restore the withdraws from my account that were related to the scam. They refused because the money was sent via bitcoin then to the scammers so there is no way for them to recover the money. Well there is also no way for me to recover the money, I was the one who was scammed.
Product: Mortgage

Roughly nine months ago I began seeking a short sale approval on sale of a XXXX family home that I own. Its a XXXX XXXX backed mortgage with Wells Fargo. Wells Fargo dragged out the approval process for about nine months. They would ask for single documents every three weeks instead of asking for everything they needed. The requests were often cryptic to the point that Wells Representative assigned to me did not understand the request by the processor, or in some cases they would request the same document multiple times. Finally 4 weeks ago they send they would do an appraisal, the XXXX one, since the XXXX one was done so long ago. Instead though I received a rejection notice with a reason that makes no sens, and nobody else can or is willing to explain to me. 

I feel they purposefully strung us along during the process. As does my realtor/lawyer in the attempts to get us to pay as much money as possible. I am not in a position where I can default so my only option is short sale. 

The property is under water by XXXX. We have tried to make the property work by renting it but the neighborhood has gone down hill so much it is impossible to keep good tenants or even find them. The property needs repairs but being XXXX underwater it makes no sense to fix anything. We desperately need relief on this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX, has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Trans Union XXXX  XXXX keeps refreshing this charge off. This is not correct I keep sending them letters and everything and theyre not doing anything about it. They keep making this fresh bringing my score down. This account is due to fall off in XX/XX/XXXX and they keep messing up my credit you see that they reported XX/XX/XXXX and they just reported XX/XX/XXXX please help me
Product: Credit card

I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed item despite the evidence I provided, causing ongoing harm to my credit standing. Which also caused my credit score to drop tremendously. I am requesting immediate corrective action to remove or amend the dispute accounts and fix my credit, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to refinance our mortgage since XX/XX/2020, unfortunately we could not close until XX/XX/2020. The title company sent a wire transfer on XX/XX/2020, but did not get the dead line in time. I called Freedom Mortgage Customer Care on XX/XX/2020 spoke with XXXX, she assured me that if the wire transfer was dated XX/XX/2020, that they would not report us to the credit bureaus, ad they dont post payments on the weekends. I called numerous times since XX/XX/2020 and they spoke to different people, all told me the same thing, " it will be taken care of ''. I even sent 3 disputes to customer care and without a good outcome, then I noticed they state I was 30 days late in XXXX, that is fraud, The loan was in fact paid off on XXXX, 2020. They are refusing to work with me on this. Even showing a letter from the title company showing this is not our error, XXXX got very smart with me, and told me sorry there is nothing she could do for me.
Product: Credit card or prepaid card

Several months ago I received a solicitation call from Amex with an offer of XXXX membership rewards points if I upgraded one of my Amex business cards to Amex Plat. That salesperson explicitly and directly told me that I could " downgrade back down to a lesser Amex card once the annual fee hit.

I questioned that and they confirmed -- there's not the slightest doubt in my mind I was told that. Another  Amex rep just under a month ago, said I " should wait till the account renews in XX/XX/XXXX '' before downgrading. They now have pulled the XXXX and said I needed to stay w/ the Plat for 1 year ( and, hey, not really all that unreasonable, ) but the sales team ( or whatever they are called ) definitely, definitely, definitely lied to me when " selling '' the upgraded card back in XX/XX/XXXX or whenever that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, Experian ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, Experian ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Product: Debt or credit management

Hello My name is XXXX XXXX I'm a former client of Lexington Law. I was referred to contact this agency of a class action lawsuit against Lexington Law. 
My email, phone number and address have changed over the years. 

The last four of my social is XXXX. 
Birthdate : XX/XX/year> Old phone number : XXXX New phone number XXXX New email : XXXX New XXXX : XXXX XXXX XXXX XXXX Georgia XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond and appropriately remove a fraudulent account on my credit report. Evidence has been provided from a COURT ORDER in the USA. Is Experian located in the USA? Yes! Therefore, they must abide by the law in this country. See enclosed documentation from the court order, which proves 1 ) I am not responsible party 2 ) Account balance is {$3200.00} 3 ) Payment history from XXXX thru XX/XX/2020. Meanwhile, Experian reports the account in my name, with a fraudulent balance of {$4900.00}, and shows Negative payment history from XX/XX/2020 thru XX/XX/2020. The response from Experian is shameful and disgusting. They are reporting fraud and damaging my credit. Court records in the attachments can be easily found by searching my name at this website for the City of XXXX, Ohio : https : XXXX Although Experian claims the creditor validated the account that is a fraudulent claim. Why would Experian ignore terms of the court order? Because it doesn't fit their agenda and business model for reporting accounts. It is inconvenient for their business although it is a violation of federal law. Get it together.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax showing inaccurate inquires now they wont let me check my credit online to fix these issues
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 I PREVIOUSLY DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Product: Consumer Loan

On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. 

XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. 

Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. 
I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. 

please help to correct this error it is effecting my credit and ability to refinance.