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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX - XXXX - {$36000.00} XXXX XXXX - XXXX XXXX {$3300.00} XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was posted to my credit report ( XXXX ) on XX/XX/XXXX by Capital One Bank for a credit card application I did not submit. I notified Capital One of the fraud and requested that the inquiry be removed. They stated they would investigate and advised me to place fraud alerts with credit reporting agencies and a file a report at ftc.gov ( which directed me to your agency )
Product: Credit card or prepaid card

Chase XXXX rewards deducted XXXX XXXX points dated XX/XX/XXXX for a reverse of a bogus charge - but they never gave me the XXXX when the bogus charge was initially made. The XXXX points were earned and are mine and never should have been deducted. 
I have been communicating with XXXX XXXX at Chase Executive offices since XX/XX/XXXX and the last communication was XX/XX/XXXX. About a week prior to that XXXX advised his marketing department did not want to return my points because my card was closed. I only closed the card because Chase could not prevent the bogus charges that the XXXX was putting on my card. 
Now XXXX is not taking my calls and is not calling me back.
Product: Checking or savings account

on XX/XX/XXXX i contacted XXXX XXXX. out of XXXX XXXX to provide me with XXXX  dollar loan. they did send me XXXX that night and my flip phone indicated i had XXXX extra in my account. my available balance said i had XXXX plus i my small balance. the scammers said that money was theres and i had to return it to them if i tried to keep it, they would contact the local police dept. and have me arrested for attempted fraud charges. so i asked how to return it and they mentioned i had to buy gift cards. i knew buying gift cards was a flag, but the money was in my account and the bank said it was available. so i did it. long story short, the bank showed me three checks, XXXX and XXXX pay to the order of XXXX XXXX XXXX and was endorsed by XXXX XXXX, not my legal financial name. i told the bank that the person sending the bank those 3 checks were commiting fraud because those checks were not mine, nor endorsed by me. the bank said that didnt matter, ouch! in todays modern computer technolgy signature endorsements did not matter. double ouch, a new on me.
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 unverified 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 disputing outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

i received an email asking how was the recent phone call //// but i didnt call nordstrom. i called them, telling them, that i did not call to close my account. it was not me. i am a victim of identity theft. 

i did not call to close my account
Product: Debt collection

After many problems with the service I cancelled the service and later resolved the account which was accepted by XXXX and now I'm getting collection calls and letters regarding this resolved matter.
Product: Credit reporting or other personal consumer reports

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 Chapter 13 Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I applied for a mortgage and was denied. I was told that there were several accounts on my credit that were closed and charged off, and 1 was in collection. I pulled my credit reports and found 3 accounts that i did not recognize. I spoke with all 3 credit reporting agencies and was told I needed to file a dispute and they would look into the identity theft. I filed disputes asking for verification of the dates and something showing how these accounts were open but all i kept getting told was the debts were verified and would remain on my credit report. On XX/XX/ I reported this identity theft to my local Sheriff 's office and submitted to Equifax. Once again despite me having a police report and equifax failing to provide me with any proof these accounts were opened by me they once again told me these accounts were verified by the companies. I have no knowledge of these accounts and asked they be removed from my credit report but was told on 6 different occasions they were verified but refused to show me how or who verified them. ( XXXX XXXX, {$400.00}, XXXX XXXX  {$100.00} ) Both on Equifax
Product: Credit reporting or other personal consumer reports

I called Experian at XXXX and spoke with XXXX after inaccurate information I disputed wasn't removed from my credit file. Under the Fair Credit Reporting Act, Experian is obligated to remove any inaccurate information once dispute. However, Experian refuses to do so and continue to show inaccurate information on my credit report.
Product: Debt collection

A bill for XXXX XXXX from XXXX for approximately {$340.00} was paid in full. Three times collection agencies attempted to collect this paid debt. Each time the companies had to remove the debt collection from my record as I don't owe the debt. 

Approximately a week ago, I was notified by my credit report companies that there was a new debt collection account on my record by a company called Convergent. I never received a letter from them to date. However they already put the account on my credit reporting as a collections account, thus tanking my credit score. 

I filed this same complaint ( ID : XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX for attempting to collect on the same account, which was verified as paid in full back in XXXX and they apologized and removed it from my credit reports immediately. 

I spoke with this new company, Convergent, one time. They verified that they never sent a letter to me despite having my correct address stating they 'preferred " to handle accounts over the phone. I spoke with a representative and then a supervisor, who was rude, unhelpful and argued with me when I tried to explain you can't not send a letter and turn my account over to my credit reporting companies. They didn't care and kept pushing me to settle the account " for far less money than what I owed. '' Please see attached documents regarding previous complaints regarding this account. 

Thank you
Product: Mortgage

On XXXX, I completed a Home Affordable Modification Agreement with Wells Fargo. On XX/XX/2023, I tried to refinance my mortgage with the cash out, and was told that HUD has a lien on my property, To date, I have NEVER received a bill for this transaction. It does not show up on my credit report. Please help
Product: Mortgage

Carrington mortgage force placed insurance on my loan XXXX i already had insurance through my hoa. CMS. Carrington, added XXXX. XXXX on my monthly payments in XXXX, send me to foreclosure for the overcharges of insurances and violated the hardship not applying forbearance and repayment plan after the hurricane in XXXX in Florida XXXX XXXX, mortgages were not sending to forclosure carrington supposed to help owners after huracan, l lost my business, it got shut down the building, for 3 months, due to flood and damages And carrington send me to forclosed my account charging me extra XXXX. Force place insurances that never was corrected properly it was still overcharges erros. I called for 2 years for correction and erros negligence, I paid a lawyer to modify my loan XXXX. Carrington didnt modify the loan actually send me to foreclosure Ruin my credit for 3 years. I hired another lawyer that charged me XXXX. and more to fight foreclosure within 3 years Carrington didnt offer me loan modification correct loan or repayment plan, nothing l want to take legal actions for mental stress, l was finishing paying loan In 10 years at that time XXXX,. Not now they took me out my good loan put me in a longer 20 year or more more money more charges. Didnt put loan on forbearance on XXXX did nott offer nothing. After pandemic actually ruin my credit more charging fees in XXXX XXXX while payment on phone etc. is a predatory mortgage violated rights as a consumer and more mental stress and l lost XXXX more on lawyers. I need that money to paid morgage not lawyers. Total Negligence not offers of modification and forbearance and ruining the credits after the covid pandemic. Total abused XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax reported that I had no public record because of a dispute I submitted. On XXXX XXXX Equifax put a public record ( bankruptcy ) on my report without notifying me. I never received a 5-day notice of the re entry. This is fraudulent and against the FCRA according to 15 U.S.C. 1681-1681X
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 or other personal consumer reports

The company XXXX XXXX XXXX failed to provide the documents I requested. 

Ive pulled my credit report and notice inaccurate account reporting. 

XXXX has removed this off my credit report but not the other credit bureaus.
Product: Credit card

Today is : XX/XX/year> Yesterday, I activated a cash advance of {$XXXX}. I received the cash, but due to a " back office dispute, I was MASSIVELY overcharged and have at least XXXX transaction for cash advancement that was not placed. 

Yesterday, I called the credit card company ( XXXX XXXX ), and at least twice when I asked over the phone " Is this ~ {$XXXX} in credit spendable. ( I asked this because I JUST exited my hotel room at The XXXX @ XXXX, and the purchase was at least {$XXXX}. 

They again confirmed and that charge WAS pending on my credit card balance of credit availability. 

So, XXXX I spent some money on a suit and some jewelry thinking I have the credit to do so... 

This morning, I woke up and checked my accounts ; {$XXXX} credit limit, and I had not spend more than {$XXXX} XXXX. I called both The XXXX and XXXX XXXX and even though I was in a banking career for XXXX, and have had active checking for about a decade now with XXXX XXXX 

Now, due to their lack of education or technical disputes, I am $ XXXX {$XXXX} over my credit limit on that card. I could have very easily put the brakes on my spending, Yesterday, and thought I was in the clear. 

Their reconciliation process leaves much to be desired, because you don't actually know how much you have spent. 

In addition, my card has been declined before this incident, this last week, buying minor purchases ( coffee, water, XXXX XXXX ). 

About a month ago, XXXX XXXX neglected to tell me via any method of contact about the interest accural on my XXXX  card ( for cash advances ) was daily... not weekly or monthly. 

I have accounts elsewhere and have not had these issues with any of them upto this point. 

The XXXX @ XXXX, XXXX have not charged we at time of booking ( in which I should have had a discount given my XXXX works for XXXX ). and then the put an authorization hold on that same card for room and incidentals. 

I called them today and told me the hold release is dependent on my bank. I called the bank and they said it was The XXXX causing the problem. Paradoxically. 

So I am complaining today over XXXX XXXX, XXXX, and the XXXX @ XXXX. 

I need this to straighten out. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting

I filed Chapter XXXX on XX/XX/XXXX. My payment plan was for 60 months with 100 percent payback, which I have completed and complied with the court system. My Transunion credit report, as of XX/XX/XXXX, still does not reflect the " status '' of the chapter XXXX case. It 's been a little over 69 months since the chapter XXXX was filed. The Bankruptcy Law states a chapter XXXX time period is between 36 and 60 months. My Transunion report should have either a discharge status, dismissed status, or closed status. It 's been a little over 9 months since the bankruptcy 's time limit. Nine months is outside the time frame of reporting the " status " in a timely manner.
Product: Vehicle loan or lease

This company has not gone through the proper steps after repossessing my car. Which is causing credit issues on my credit report. This company repossessed my car in XXXX of XXXX and they have violated my laws as a consumer. As the consigner of the vehicle I had every right just as the primary holders. I have never received notice of right of redemption/right of reinstatement. I never received a time/place of where the auction would take place. I never received a notice of sale or post sales notices. However, they have posted a balance to my credit report that I have no idea where it has come from. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau : I have called the company multiple times within the past 3 weeks via phone and dispute about the TWO addresses on my credit report. 

The address on my credit file that does NOT belong and is NOT current is XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

I was told that the creditor, XXXX XXXX XXXX, is reporting this address as my CURRENT address and that EXPERIAN CAN NOT REMOVE IT, even though is is NOT my current address. A creditor has no right to tell a credit agency that my address is valid and it is my CURRENT address. 

I have sent all information to the credit agency and still, I am being the told that it can not be removed. 

When I call to verify my information with the Experian rep, my information is verified with MY CURRENT ADDRESS AND INFO, not an invalid address. 

This has been going on back and forth, without resolve and I am beyond ticked off about this matter. I WANT THE MD ADDRESS REMOVED FROM MY FILE ASAP and I am also going to file a report with another Government agency about this matter. 

I do NOT reside in MD and I want my credit report fixed, sooner than later. Enough is enough already, especially when the consumer has to verify information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not providing a convenient way to remove a credit freeze from my account with out paying for their service.
Product: Student loan

Called Aidvantage regarding wrong information on my account. Showing a school that I never took out a student loan and under the XXXX program but my loans are showing different forgiveness dates when I took out XXXX at the same time. Spoke to XXXX representatives and was given different information. XXXX representative claims I took out a student loan in 2005 and was emailing me a copy of promissory letter which I have not received. 2nd representative claims didnt see a loan in 2005. Both representatives claim even though school showing a student loan was not taken out, it would still this. My student loans were taken out in XXXX in XXXX, NY and XXXX the are showing is in XXXX NC XXXX Amount on loans are inconsistent and both show a consolidation but only had XXXX loans. Would not let me speak to someone else above to get clarification. The loans were for XXXX and XXXX in XXXX NY for a total of {$10000.00}. Original loan taken out through XXXX XXXX Bank. Not sure if they still exist at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached to this you will find my photo ID, and a PDF bank statement showing I'm me, as proof of address.

Inquires : XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX VISA XX/XX/2019 XXXX   XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart Networks , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over XXXX points. 

Upstart Network , Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Product: Credit reporting or other personal consumer reports

Ever since XX/XX/XXXX My payments have not been showing up on my Equifax Credit Report. But before that they were showing up and all of a sudden my XXXX XXXX account disappeared form Equifax. I have had my XXXX Account since XXXX of XXXX and my account is on Good standing and has been since I got my account. Both XXXX and XXXX have my XXXXXXXX XXXX  account on their Credit reports. This is affecting my Credit and my Credit Score which I feel is unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.
Product: Debt collection

I am noticing this debt on my credit report in which I have no knowledge of. I never received any notices but to my surprise it is showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attempted description in the " generous '' ( being sarcastic ) 120 character field of Experian 's Dispute form - This is for XXXX XXXX. XXXX XXXX Loan XXXX 2019 " Only XXXX XXXX XXXXDisputes XXXX & THAT persn has maintained a personal ( illegal ) vendetta re : this acct. 's MISREPORTING, MISSING PAYMENTS, etc. Other acct. w/out this persn 's attn. are PERFECT. Thanks '' Despite asking for correction i have been told by the same person that their " Ledger is correct '' and it is not. I was homeless during a large period of this loan and do not have most of my papers like this and/or physical evidence anymore. SO i am at the ( lack of ) mercy of this individual who has taken on some kind of personal issue with me. She even LIED and suggested i needed to pay off a XXXX dollars ( " debt '' for overdraft fees that i was already arguing abt with them ) to apply for another product and to further dispute the other loan ledger - and that i could " dispute the overdrafts later and get them refunded ''. This was simply a fabrication for collection. Often referred to in legal terms as " fraud in the inducements ''.
Product: Credit reporting or other personal consumer reports

I asked XXXX to investigate an account that appears to be reporting inaccurately. That account is listed as an XXXX  under XXXX XXXX XXXX ( {$9600.00} ). This account has been reporting inaccurate information for several months now. Inaccurate open and closing dates, balances, last reporting, and payments disclosed. This account is reporting illegally and disrupting my ability to purchase a home.