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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX-Date of inquiry XX/XX/2019 XXXX-Date of inquiry XX/XX/2019
Product: Checking or savings account

Chase Bank decides to put a hold on my checks deposited for no apparent reason and prevent me from using those funds towards materials I need to purchase for my business as well as making my payments on time. This issue makes me lose money, get late fees penalty, causing bounced checks. This should not happen since our business account is not being opened in the past 30 days. This is extremely frustrating what banks do to us.
Product: Debt collection

contacted company to explain that this was not my debt after receiving dispute document requesting information about the account that I could not answer as it is not my account
Product: Credit reporting or other personal consumer reports

XXXX has improperly charged me late fees and also reported late payments on my consumer report, despite all my payments being made on time, in the correct amounts, and by their due dates. My account with XXXX has never had a late payment. This is clearly a billing mistake, indicating a possible scheme to charge extra fees. This action is disappointing and has seriously impacted my reputation, character, way of life, and family. I urgently request the removal of the incorrect late payment records.
Product: Mortgage

XXXXLOAN NUMBER XXXX I requested Closing Documents for both the initial purchase of the home and the modification of the agreement on XX/XX/23 to include all terms and revised payments but only received the original Closing Documents. I called back on XX/XX/23 to have this corrected but when I called in on XX/XX/23 I was told that this was never done. I was then told to email XXXX to make this request. 

I have already done so but at this point I am asking the CFPB to oversee this process as I am being told to do something different each time with no results. 

Please help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX, XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage and home equity line with US Bank. I called to inquire about mortgage forbearance on my mortgage. I was looking at my credit report through XXXX XXXX, they automatically put me on forbearance without my permission. The week of XX/XX/XXXX I spent many hours with US Bank to try and get this resolved. They told me they were going to remove me from forbearance and resolve my credit reporting issue. I received another letter today from US Bank saying they are confirming my request to enter a forbearance plan! I have spoke to so many people and waited on the line for hours and disconnected a few times. I need them to remove both my mortgage and home equity from forbearance and fix my credit report. I have also been making payments and it doesn't look like my payments are being posted to my accounts. My home equity shows I owe 4 months of payments which I have been making. I need to make sure the payments I have been making are being posted and reported correctly. My US Bank mortgage number is XXXX, my home equity is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my consumer report from LexisNexis dated XX/XX/2022 and I noticed there were a number of wrong names and wrong addresses showing on my consumer report. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information The following names and addresses do not belong to me. 

Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Addresses : 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 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXXalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MEXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX
Product: Debt collection

I was notified that this debt existed with Convergent through me accessing my credit file to discover there was a collection item in the amount of {$340.00}. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and Convergent both assured me that if I paid the debt it would be removed from my credit file. I immediately paid the debt in full only to have the debt not removed but updated on my file to a new date which actually hurt my credit score even more. I have called Convergent several times to no avail as well as XXXX who only refers me back to Convergent as they are the ones that reported the negative item on my credit report.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and there are inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was approved by XXXX XXXX for a credit card with a credit limit of XXXX dollars.On XX/XX/XXXX, the Coronavirus pandemic hits Michigan where I live.On XX/XX/XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XX/XX/XXXX was the last activity i had on this XXXX card account until XX/XX/XXXX closed account.XXXX responded to the CFPB complaint, XXXX stated in their response that they made there decision based on what was in my Transunion report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I want to remove any late payments in my XXXX XXXXXXXX account, XXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect and inaccurate information on my consumer report that I am requesting be removed immediately. Pursuant to 15 U.S.C 1681 I am entitled to an accurate and complete consumer report.
Product: Student loan

I was out of a job for 4 months and I couldn't afford to pay my student loans, I called Navient and they told me I don't have any forbearance on my private loans, so I had no choice to let the loans go 90 days past due. 

When I found a job in XXXX, and caught up on my other bills, I decided to call Navient to get my loans back current. The amount they wanted me to pay was something I couldn't afford, so they told me I can qualify for a rate reduction program, I gave them the information they asked for to see what my reduced monthly payments would be. After giving them this information and a payment, I was told that the account will become current after 3 months of successful payments, and the past due would be added to the loan. I agreed. 

While in this 3 month trial, Navient is sending out letters to my co-signers and references stating that if they don't make the past due payment, they will report the account as delinquent to the credit bureau which will affect their credit. How is this possible if I'm making payments? Why are you sending letters to them and not me? Is this a tacit to get more money to Navient? Why is Navient preying on my co-signers after setting up an arrangement with me?
Product: Credit card or prepaid card

In XXXX of this year, my husband and I had gone under contract and put down a deposit to purchase a newly built home through a builder. At the time, my mid-score used for qualifying on a conventional loan was in the 670s. Our closing was scheduled for XX/XX/XXXX of this year. In preparation for closing, my loan officer needed to pull a final credit report since the original one had expired after 120 days. On XX/XX/XXXX, my loan officer had pulled what shouldve been my final credit report. This was followed by a call informing me that my score had significantly dropped to a XXXX and that I no longer qualified for a conventional loan since the required minimum scores for a conventional loan is a XXXX. She had indicated that I was currently 30+ days late on my Kohls credit card. I informed her that would be impossible being my account is setup for automatic payments and I hadnt received any notifications telling me otherwise ( Ive included a copy of the page from my credit report pulled by my loan officer showing Kohls being 30 days late ). Upon her advice, I contacted Kohls on XX/XX/XXXX and inquired on the late payment and marker that was reported for the month of XXXX. The rep who I spoke with had informed me that they dont see anything on their end showing this account was ever late. I was instructed to write a letter addressing my concern as well as dispute this information with the bureaus. The issue at hand is that I dont have any time whatsoever to wait 30 days for an investigation nor do I have time to mail a letter in hopes for a quick enough response. The builder was able to provide me until XX/XX/XXXX to close ; however, stressed the fact that my deposit of {$23000.00} is in jeopardy if this isnt rectified and closing is missed ( Ive included a copy of the sales agreement addendum which had my last deposit made to support my claim ). I have not located my original closing letter and I have not been provided with an updated letter ; however, Ive asked my lender to please type a letter of confirmation stating what my closing date initially was and currently is. This is for nothing more than to solidify the sense of urgency of this matter.
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a thorough verification of everything on my credit report they did and state everything was accurate. I then did a thorough look over it myself to find there were some improperly accurate on my credit report even after they did thorough verification and research XXXX XXXX XXXX XXXX XXXX XXXX XACTUS, XXXX XXXX XXXX XXXX XACTUS, XXXX XXXX XXXX XXXX XACTUS, 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 XACTUS-CP Inquired on XXXX XXXX XXXX XACTUS-CP Inquired on XXXX XXXX XXXX XACTUSXXXX XXXXXXXX XXXX XXXX XXXX XXXX XACTUS-CP/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to have these hard inquires remove from the following that appears on my [ XXXX, XXXX and XXXX ] consumer report : In accordance with the fair credit reporting act XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my write agreement.
Product: Debt collection

I originally filed a complaint with CFPB ( # XXXX about XXXX XXXX XXXX XXXX XXXX ( hereinafter referred as " XXXX '' ). As a result, I received a letter from XXXX indicating the debt was mine and attaching an application with my name ( attached ). 

On XX/XX/XXXX, I replied via email to Mr. XXXX indicating that this is mistaken identity and I always use my full name " XXXX XXXX XXXX, XXXX '' all all credit applications and inquiries. I have not received a response from Mr. XXXX regarding same. Therefore, this debt is not mine to pay.
Product: Debt collection

I have received letters from credit & collection recovery services I have asked for verification of a debt but they can only provide me a bill. I never agreed to the charges and have requested proof that I agreed to them which they have not provided. Is there anything i can do or can some one send me a bill and put me into collections without proof.
Product: Debt collection

I sent a Validation Letter and Cease and Desist Letter to this company twice and I have been ignored.This debt does not belong to me and was Deleted from Public Record Via XXXX  ( XXXX ) This Company have no respect for the law and consumer rights.I proved to one company that this debt isnt mine and ill prove it again USPS TRACKING : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and US Bank unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Product: Mortgage

My mortgage was NEVER {>= $1,000,000} the highest loan amt I had was in the XXXX ranges! Could you please correct this! Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting

Equifax is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I sent XXXX a dispute/validation letter in XX/XX/2021, its been over 30 days and I have received no response. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Equifax and XXXX  on multiple occasions I was reviewing my credit report recently and noticed hard inquires that I have no knowledge of and did not authorize, I've contacted each beareu at least twice weekly and they refuse to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. ACCOUNT NAME NOT LISTED XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request with Consumer Finance to unfreeze my credit report online with TransUnion on XXXX. I received feedback from TransUnion on XXXX about other issues however I provided feedback that I still have " Unknown Status '' on my credit freeze via the TransUnion website. This is my 4th request in writing to have TransUnion explain why my credit report is still under a freeze citing " Unknown '' on their website. I am unable to access my credit report as well as creditors for mortgage lenders. I have sent certified documents 4 times in the last year to verify my identity. The " Manage Freeze Status '' still says unknown each and every time I log in to my account. Why is TransUnion hiding my credit account from me? Why each time I call the number on the account to inquire or remove the freeze temporary I can not get customer service assistance and the automated will keep hanging up the phone. I have requested callbacks and still have not received anything regarding the feedback from XX/XX/XXXX involving a copy of my reports even being updated. What is the next step in the escalation process for my complaint? I get the same message I have been getting since XX/XX/XXXX trying to correct this issue. Please see below. 
Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion Credit Freeze Service is temporarily unavailable. 
Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My son and his fiance wanted to buy a home together and needed a co signer. My wife co signed for them to buy this home. They moved in, my son then enlisted in the XXXX. After XXXX, he returned home to find out she had found someone new, and had moved out. My son could not keep up the mortgage payments and tried desperately to sell it. He found a buyer so he could satisfy the loan and the paper work got stopped. XXXX had put a lien on the home because of XXXX defaulted student loans. The lien will not be cancelled now until her XXXX XXXX student loan debt is all paid.Now the house sits empty, cant be sold but at the same time mine and my wifes credit is ruined. I am XXXX years old and on Social security XXXX and cant work. Why should our credit be ruined if we can not even sell the home because of a student loan from my sons fiance ( XXXX XXXX XXXX ), we are not related to this girl, we have no control over her student loans, but we are being penalized! I have tried getting this off of our credit reports but they wont budge. Like I said, cant even sell the home to satisfy this mortgage!! This has been through the courts I am to understand and forclosed on. I even tried talking to the bank, they will not talk to me.Thank you