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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in violation!

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: Checking or savings account

Following my complaint to you ( XXXX XXXX ), Truist Bank said they would deal with the issue and assigned my case to XXXX XXXX XXXX After several email chases she said she was no longer dealing with my case and it had been assigned to XXXX XXXX. Neither now answer my emails. I have tried for 12 months to close my account. I have sent a notarised letter and apostille to the address their client advocacy team provided but Truist continue to ignore all my correspondence. I note you have closed my case which I don't understand. I want to avoid appointing a lawyer to take formal action against Truist but I don't see any other option if you can't get them to act or respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint against Experian Credit Bureau because they have failed to do their due diligence to address my prior complaint to some disparities ive noticed being reported the XXXX credit reporting agencies, Experian, XXXX, and XXXX. 

I had recently been informed that my SOCIAL SECURITY AND DRIVERS LICENSE HAS BEEN COMPROMISED. ALL PREVIOUS ADDRESS MUST BE DELETED THAT HAVE NO AFFILITION TO OPEN ACCOUNTS MY REQUEST ON FORMER COMPLAINT ID XXXX https : //www.consumerfinance.gov/ In accordance with the Fair Credit Reporting act, Experian has violated my right to privacy.

FCRP Statues -15 U.S.C 1681 Section 602 A. States I have the right to Privacy -15 U.S.C 1681 Section 602 A, Section 2 States that a Consumer Reporting Agency can not furnish an account without my written Consent. 

ANY ACCOUNT INFORMATION REPORTED FOUND INACCURATE UPON REVIEW, SAID ACCOUNTS MUST BE DELETED FROM CREDIT REPORT Im attaching several documents to that indicates Experian did not comply with the ethical standards set by the FCRP with regards to gathering and furnishing correct/relevant information. 

Accounts with conflicting data are as follows : XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX TXXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

COMENITY BANK/EXPRESS Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due 60 days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Product: Mortgage

I took the no penalty forbearance offered by Mr Cooper regarding my loan XXXX during a year 's time due to Covid etc. At the time I was told I'd have an opportunity to discuss the payback options. As of XXXX, my year was up and it was time to make a decision, however I seemed forced in to a loan modification which added to the principal. I actually do not know what happened and that's the issue. I email Mr Cooper from my portal and ask for details regarding the loan mod. I'd like to know if any terms were changed and if so, what, and to ensure it's correct for me, but nobody replies to my email.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE INSURANCE ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} FST XXXX  XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Paid bill in full on XXXX ( attached bank statement for proof ) Received a {$30.00} late fee bill. XXXX XXXX XXXX called was told this would be removed. XXXX another bill with additional fees called again would be removed,XXXX looked online not removed, talk to XXXX # XXXX told me all would be removed, XX/XX/XXXX XXXX XXXX XXXX  said she would remove yet another charge of {$1.00} ( that was removed but not {$60.00} ) XXXX XXXX told me I had a XXXX balance. Looked online now have a XXXX   balance. Started contacted by email XXXX I am not getting a straight answer as to why this was not removed after providing proof of my bank statement where bill was paid in full and on time. 
Since I submitted proof and have called and email they are still saying that they are going to notify the credit bureau and I still owe the money -- -which I DO NOT!!
Product: Payday loan, title loan, or personal loan

There are two parts to my complaint. First, I applied for a student loan on XX/XX/XXXX because I was told by a representative with the company that Satisfactory Academic Progress was not a consideration for approval. I got approved for the loan and when they did a certification with my school, they denied the loan because of those SAP requirements. This caused an unnecessary inquiry on my credit because I was given misinformation and I had to call another lender and get the loan ( which was another inquiry ). I called the Discover and complained about this and asked how to remove the inquiry and they said they couldn't do anything for me, but they recommended getting a personal loan. 

At the time I was a little upset with them so I decided to get the student loan with someone else, but eventually decided on XX/XX/XXXX to go ahead and apply for the personal loan with them because they kept sending me marketing emails about pre-approval. I got denied for the personal loan even though I have a good credit score with no late payments on any account and make more than the minimum monthly required payments. I called to inquire why I was denied and they initially told me I needed to send them the back of my ID and that I needed to send them more pay stubs. I sent it over and still was denied. The reasoning they gave me after talking to several representatives ( including 2 managers ) was that I had the inability to pay back the loan. The explanation was that because my beginning monthly balance was more than my ending monthly balance that meant that I could not pay the loan. For example, 1 month I started with {$67000.00} in my checking and savings combined and ended with only {$64000.00} so according to them I was spending more money than I was depositing. I have never send a lender use this kind of practice with assessing debt to income ratio to approve a loan. Making some purchases has nothing to do with my ability to pay. Why would I save money up in my Savings account if I am unable to use some of it because it looks bad to a lender? Every manager I talked to was very smug and sarcastic to me almost like there was some underlining reason as to why I was be denied. I currently have over {$55000.00} in my bank account, I make $ XXXX/month and only pay out {$1100.00} in bills, I have over {$65000.00} in credit equity ( including a {$16000.00} card with Discover ) with usage less than 4 % and I have a good XXXX score and excellent XXXX XXXX  and XXXX scores . This decision not only feels discriminatory to me. The second inquiry on my credit from the same company " XXXX XXXX XXXX '' along with the company I had to choose to get the student loan from instead has decreased my XXXX score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue I encountered while reviewing my credit report from Equifax. I noticed that some of the personal information listed is inaccurate. To ensure the accuracy of my credit report, I kindly request assistance in updating my records with the correct information. Thank you for your attention to this matter. Please remove all addresses listed on my Equifax credit report XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX XXXX ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( XXXX ) credit reporting agencies, XXXX, Experian and XXXX has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the servicer on my XXXX XXXX loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but XXXX started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid XXXX on time every time required but my credit is now ruined and XXXX refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.
Product: Mortgage

I was in arrears, I spoke with the Asset Manager and I agree on XXXX, XXXX to their 6 month payment plan starting XX/XX/XXXX to XX/XX/XXXX. I paid a down payment of {$2200.00}. On XX/XX/XXXX I started my payment ( if needed to have their confirmations for all payments ) with {$1100.00} to XX/XX/XXXX, In XX/XX/XXXX Hurricane Helene hit South Carolina hard ( if needed, I have a video of the damages in my yard ). I used part of the XX/XX/XXXX payment to survive. I paid XX/XX/XXXX payment plan on XX/XX/XXXX, but the mortgage servicer posted it on XX/XX/XXXX. I informed the Asset Manager when I can paid XXXX, then come out with she made an error. I am thinking I would be back on track in XXXX with my regular of {$770.00} and she tell be I owe now XXXX and XXXX and if I do not have it she will go to the Investors I ask can I have a payment plan again, for 4 months that would start in XX/XX/XXXX end in XX/XX/XXXX. The plan is XX/XX/XXXX paid {$1100.00}, XX/XX/XXXX, {$1100.00}, XX/XX/XXXX {$1300.00} and final 4 month in XX/XX/XXXX, {$1300.00}. I asked her would be Investors put XXXX and XX/XX/XXXX on the end of my loan ( forbearance ) and she said they said No! I am a XXXX XXXX and living on a fixed income. I know my more is increase in XX/XX/XXXX because of my Home Insurance increase. It was her error and they should work out something with me instead of such a high payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TransUnion will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.
Product: Debt collection

I paid this account as agreed with XXXX XXXX however, it shows on my account as LVNV Funding. Once it's paid the company agreed to delete from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Debt collection

Portfolio Recovery has placed a collection on my credit profiles claiming that I owe {$1900.00} to XXXX XXXX. Ive never had an account with XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- {$1700.00} XXXX XXXX I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of it.
Product: Credit card or prepaid card

Citi / AAdvantage Platinum Select World EliteTM MasterCard I have several issues with this card that started before the corona virus but now the main issues is I cant not reach anyone in customer service. I have called for days and wait on hold for 3+ hours and no one answers the calls. I have reached out via XXXX messenger and was told someone would call me and no one has called. I have also tried to reach someone via chat and that is not working either. This is the message I got on XXXX  and NO ONE HAS CONTACTED ME!!! >> " Hi XXXX, thank you for contact info. We are escalating to our Executive Response Unit. Please note that it may take at least 2 business days for our request to be received. In light of recent events this time frame may be a little longer. We appreciate your patience and understanding while we work to have your concerns addressed. ^XXXX  '' I am sick of this and the virus is no excuse because XXXX XXXX answers calls.
Product: Payday loan, title loan, or personal loan

Obtained SBA loan for which Chase Bank administers for a woman owned small business one year ago. In the past year, I have experienced on-going excessive fees, late charges, and payments not being appropriated properly. For example, applying a full loan payment only towards interest so that principal appears to not have been paid. Thus, incurring additional fees and charges. Interestingly, the payment is made on their Chase website and come from a Chase business account. They claim " a glitch '' in their on-line payment processing, but do not seem to resolve the matter after numerous call and hour on hold. Additionally, I have been harassed and attacked by their collections department, yet the loan has been consistently paid. I request a complete investigation as I feel their " glitch '' in payment processing is of fraudulent nature, thereby collecting excessive and unwarranted fees and additional interest from their loan customers. 

Please contact me for supporting documents.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

On Tuesday, XX/XX/year>, 2 unauthorized fraudulent transactions were made to my account. XXXX by XXXX for {$710.00} and the other by XXXX for {$88.00}. I immediately called the bank, Found, since these were fraud and they told me to just submit a dispute via the App. I did, but it appears that while the transactions are " pending '' the dispute does not go through. The transaction was completed on Thursday, no " pending '' anymore and that is when I realized the dispute was not in effect. So I submitted the dispute again for both. On Friday I was informed by the bank to contact the sellers. The problem was when I contacted the seller, XXXX, who could not refund me because I did not have the ticket number and XXXX could not find proof of the transaction and gave me a bogus email to send the screenshot of my bank. I tried calling again XXXX and spoke with a supervisor since the email, was incorrect and customer service declined my request. The risk department at Found wants the " chat '' or " emails '' which I have not had since I called. I am surprised that after calling the bank and informing them these transactions were fraudulent they allowed the transactions to be completed 48hrs later. Also, the fact, compared to other banks, their fraud department seems to not be able to help me.