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

When I checked my credit report this morning, I saw unauthorized inquiries that shouldnt be there. I regularly check my report and have never had such an issue before. I refreshed my browser thinking it might be an error, but the inquiries remained. I need this matter resolved quickly, and I urge you to carefully verify the documents Ive submitted to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account on my credit report showing inaccurately from target the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. XXXX is the only credit reporting agency that did so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX
Product: Mortgage

Payoff I originally sent the payoff to Righpath Mortgage, the servicer for Nationstar Mortgage, XX/XX/22. I followed up eight times since XX/XX/22. Rightpath Mortgage is saying that since the account is in bankruptcy, they need fees and costs. It has now been 11 business days. Still no payoff. The client can not sell the house and pay off the mortgage without the payoff.
Product: Debt collection

Collection agency has been harassing me since XX/XX/XXXX. This debt was expunged from record by XXXX in XX/XX/XXXX. 
Same agency sends more notices but under different agency name, same phone numbers on letter. I called several time. They told me to send them copy of my insurance card that I have had since XXXX. I have XXXX and XXXX XXXXXXXX. I sent this to them by email. 
I have requested medical records from hospital and have never received my records. Requested in beginning of XXXX and called several times to follow up and see where are my medical records from XXXX for this bill they say I owe. Have received nothing by USPS. Nothing!!!! 
XXXX expunged this in XXXX. Completely removed! 
Now it is listed on my report again that I owe {$830.00}. 
XXXX ) Sent them collection agency XXXX card. 
XXXX ) Requested medical records by emailing and calling and spoke to person. Nothing has been received at all. 
XXXX ) I do not even know what I am being billed for since I have not received complete medical records from hospital. My insurance info was sent to collections. I do not owe this bec I have received nothing from hospital!!!! 
This fake debt was removed by XXXX in XXXX!!!!!
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I had disputed the account on my credit report from XXXX XXXX by mail. This account is not mine and is inaccurately being posted and reported on my report. I requested that they investigate the account and prove this account belongs to me, and if so they must send me prove of the investigation as well as a signed contract binding me to this account. No prove was ever sent to me showing this account belongs to me, nor any evidence of an investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please update the following accounts completely from my credit reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom this may concern, As a result of the damages inflicted by the last hurricane that hit Florida, My employment was affected.

Consequently I was forced to leave Florida to seek employment.

Explaining this to a member of the forbearance department with M & T BANK I was given until XX/XX/XXXX to make payments totaling {$8300.00} on XX/XX/XXXX I  was able to make a payment of $ XXXX.I am a single mother putting a child through college at the moment. Simply put, I can not afford to make that payment at the moment.
Product: Checking or savings account

On the XXXX of XXXX, 2024, I deposited a check through mobile deposit to my Chase checking account. I recently changed banks about XXXX months ago and had direct deposits going through with no problem. Recently, my workplace had a technical error, and my paycheck didn't go through direct deposit like usual, so they gave me a paper check instead. Once I received the check, I deposited it into my account using a mobile deposit. Then, I received a notification that my check was on hold until the XXXX of XXXX to verify proof of funds from my employer. I informed my employer what was happening, and I found out on the XXXX of XXXX that the funds had been taken from their account, and I should be seeing it in my account. After looking at my account, I see it still hasn't received the funds. I called Chase Bank, and they told me that if this is the case, I should see the funds available by tonight or, worst-case scenario, by the XXXX. This makes no sense to me, and my check shouldn't have been put on hold since the funds were already available. This process is entirely unethical and inefficient. Should be able to verify funds much quicker than this for the inconvenience this causes. It's absolutely unacceptable, and I'm starting to regret transferring to Chase, as I've NEVER experienced anything like this with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This negative remark keep popping up on my credit a nd no recollection of this account and I have no contract with any third party because this account does not belong to me.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX, Transunion and XXXX have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 card or prepaid card

I am writing to formally address a concerning situation involving unauthorized actions and inconsistencies related to my Bank of America ( BOA ) credit card account ending in XXXX. The sequence of events and the subsequent actions by BOA have not only violated my consumer rights but have also inflicted considerable distress and disruption in my personal and financial affairs. 

Without any prior notification, I discovered that my BOA card ( ending in XXXX ) was inexplicably closed. Moreover, all traces of this card vanished from both the online banking portal and the mobile app, despite my timely payment of the balance and ensuring the legitimacy of all transactions. To further complicate matters, on XX/XX/XXXX, a merchant reached out to me querying about a claim I supposedly filed against them a claim I neither initiated nor authorized. Following this, I contacted BOA multiple times seeking clarity. However, their feedback was inconsistent : they neither saw any claim against my supposedly closed account nor any outstanding balance. This inconsistency became even more baffling when, on XX/XX/XXXX, I received a letter from BOA, declining a claim I had never initiated. 

These events have adversely impacted my relationship with merchants, eroding trust and complicating both personal and professional engagements. Additionally, the entire scenario raises severe concerns regarding the safety and integrity of my personal and financial information with BOA. Above all, the mental and emotional toll this situation has exacted, compounded by the lack of clear communication and resolution from BOA, can not be overstated. I sincerely hope for an expeditious and satisfactory resolution to this grievance.
Product: Student loan

On or about XX/XX/2023, I placed several calls to Nelnet concerning my student loans. I only got through twice after massive wait times, and neither representative was able to help. In fact, the second person explicitly told me she " couldn't do anything ''. The first representative was disconnected. When I tried calling back, there was a massive ( over an hour ) wait time just to speak to someone. The second representative told me they could not help me. I just wanted to change my due date by ONE day. Something they advertise is easy to do on their website, but instead, I was told to contact the department of education. This is the last time I could get anyone to answer or reply from Nelnet. After talking to the department of education, I was told that Nelnet was responsible for any type of payments or changing the due date. I attempted calling and emailing again and waited several hours, with no answer. Again, I have not been able to get anyone from Nelnet to answer my calls or emails. The only response I get is an automated reply. This is completely unacceptable. I waited on hold for a total of almost XXXX hours with no resolution. As a XXXX  and a XXXX XXXX XXXX finding that amount of time to just wait is next to impossible. I have NEVER had such a poor experience when trying to manage an account ... even the military and VA are better than Nelnet as far as " customer service ''. How am I expected to continue with payments when there is absolutely no effort to provide any type of service and the company is completely unreachable. This seems very fishy and almost like a scam. It is not the first time Nelnet has been caught in controversy -- i.e. the over XXXX XXXX dollars scammed from student loans...
Product: Money transfer, virtual currency, or money service

I have a Coinbase account, which I've used previously to purchase Cryptocurrency via Bank Transfer ( ACH ). Coinbase displays on the confirmation page how much of a purchase is available for immediate transfer and how much is subject to a holding period. On the confirmation page for this purchase, Coinbase indicated that {$1000.00} was available for immediate transfer ( and any amounts above {$1000.00} would be subject to a 9 day hold period ). After making the purchase, Coinbase changed the policy and restricted my funds for 9 days. They have not honored the terms of the service they displayed when I made the purchase- which makes this a bait-and-switch. I contacted Coinbase, explained the terms that were offered, as well as the prior transactions I had made on these terms. Coinbase refused to honor the terms they offered when I made the purchase. My funds are now locked in their account for 9 days and not available.
Product: Credit reporting

I contacted experian to remove XXXX dept it is being reported twice by them and also XXXX XXXX XXXX. It still remains
Product: Credit reporting or other personal consumer reports

i disagree with the results because Experian, XXXX nor did XXXX show any writing documents as requested to prove any late payment as i have submitted receipts from XXXX that all payments was paid on time i want this reinvest gated or deleted asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Equifax credit bureau asking for inaccurate information to be deleted off my credit report. In particular, Equifax has been reporting a bankruptcy on my credit report that belongs to someone else - my father. 

To explain further, my father and I share a similar name, with the exception of our middle initials. Further, our SSN differ by only the last number. On XX/XX/XXXX, my father filed for bankruptcy - this is the event that Equifax is reporting under my file and will not event under my file. 

I have explained to Equifax the above and have also provided screenshots from the Public Access to Court Electronic Records ( " PACER '' ) system reflecting that there are zero records under my SNN and three records under my father 's SSN, including the XX/XX/XXXX bankruptcy. 

When I filed my initial dispute in XXXX, I was told that I would receive a response within 30 days. However, I never received such information. It was not until after 30 days, when I called Equifax as a follow-up, that I was informed that the bureau had concluded that the bankruptcy did indeed belong to me - again, this is inaccurate as I have never filed for bankruptcy. When I inquired as to what investigation was performed to come to such conclusion the representative explained that their " back office '' handled the investigation, but that he was unable to provide any further information. 

On XX/XX/XXXX, I spoke with a representative who explained that the investigation was completed on XX/XX/XXXX. She then explained that the bureau had 30 days from the day it completed its investigation, i.e., XX/XX/XXXX, to provide me with an explanation. I then explained that the 30 days timeframe begins from the date of my dispute, not from the day the investigation is " completed. '' She then stated that her records show a letter was emailed to me but could not provide an exact date of when it was emailed ( I never received any emails from Equifax regarding the investigation results ). 

With respect to the documents I provided, I was told that their back office ( mailing center ) handles all faxes and that they had no ability of getting in contact with them. When I questioned the representative further, she did admit that they did in fact have an ability to contact the back office but they can't call them about this issue. 

The way Equifax appears to perform these dispute " investigations '' on a lack of facts or due diligence. Had a reasonable investigation been performed, my credit file would have been updated and corrected. I fear I am not the only consumer that has been treated this way and the credit bureau should be investigated for unfair practices.
Product: Credit card

Well I've been incarcerated since XXXX of 2023 and just paroled late XXXX of XXXX during that time I was not able to any payments to any company that I owe because of my incarceration.I want to ask for forgiveness and want to fix financial problems, my credit score, and debt.I believe I owe {$2300.00} to Golden 1, XXXX XXXX {$500.00}, XXXX  XXXX owe {$300.00} And XXXX  $ XXXX please consider my dispute to be valid.
Product: Payday loan, title loan, or personal loan

I opened this loan in XX/XX/XXXX to help manage an issue that came up it property taxes and to help manage some other debt. In XX/XX/XXXX I came into some serious financial issues with repaying the loan and I wasn't about to come to a resolution with the bank.
Product: Credit card or prepaid card

I received a Walmart Mastercard/SyncB credit card in the mail to my home address onXX/XX/2019. 
This card was opened fraudulently, apparently on XX/XX/2019 ( possiblyXX/XX/2019 ). 
I call the credit card company number listed in the letter that came in the mail with my credit card. My call was on XX/XX/2019. I was connected to the company 's fraud agent. I informed the company that the credit card was opened fraudulently and without my knowledge. I asked the account be closed immediately and the company investigate this identity theft. I was told the account would be closed immediately, and I will receive a letter from the credit card company for follow-up. 
I am now writing this complaint to CFPB on XX/XX/2019.  As of XX/XX/XXXX US mail, I have not received a letter from the credit card company. My understanding this was for me to provide further written information for their investigation. As of XXXX ( EDT ) on XX/XX/XXXX, at least 1 credit bureau lists this account as still open. 
The company has erred twice here. First, opening an account fraudulently ( possibly with inaccurate information ) ; second, being non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Mortgage

my mortgage includes escrow however my mortgage/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat.
Product: Credit reporting or other personal consumer reports

My student loans federal and private are with XXXX they were with XXXX. My problem was I got a credit score drop notification, while my loans were on forbearance, and XXXX stated they put my loans as unpaid for XXXX  days. I have been on top of my loans for forbearance and a payment plan. I do not have emails stating my loans were out of forbearance and payment was due. I have called XXXX, and they stated they now report on credit scores. I stated that I have my paperwork as electronic email and I did not get notification. I am already struggling to pay all my bills on time but I call and put myself on forbearance or a rate plan that I have coming out every month on my accounts. 
This is devious and it destroyed my credit score. This needs to be reported. They said that my account was in transition from XXXX to XXXX and they cant fix the credit score until the next month. This needs to be removed from my credit report.
Product: Mortgage

I refinanced my loan in XX/XX/XXXX which moved my home loan from United Wholesale Mortgage ( UWM ) to XXXX XXXX The new lender paid the County tax for the year, under XXXX XXXX XXXX in the amount of {$1700.00}. XXXX XXXX confirms tax is paid in full for the property, and only one payment was received. 
However, UWM is claiming that they also paid the County tax, despite multiple confirmations from XXXX XXXX saying only 1 payment was received, and it came from XXXX. 
I initiated calls with UWM starting XX/XX/XXXX to resolve the issue and to receive payment from UWM, because as it stands, I have 'paid ' taxes twice in one year. 
UWM claims to have attempted several calls to XXXX XXXX and says they have left messages and even spoke with " XXXX. '' However, in my calls to discuss with XXXX XXXXXXXX tax dept, I learned that they don't have voicemail, nor an employee in the department named " XXXX. '' XXXX XXXXXXXX requested that UWM provide proof of payment ( check #, wiring info, etc. ) to support their claim of a payment sent and received by the County, but they have not provided this information. 
I have requested to speak to managers and asked for call backs, but they have not called me. UWM says the issue is under investigation with resolution date of XX/XX/XXXX, but I was also told several other dates of resolution that have since lapsed. 
UWM also shows they received a refund of this exact amount posted to their internal account/system on XX/XX/XXXX. This is likely the " bounced '' payment to the County, and I am getting the runaround from UWM saying somebody else has my money ( XXXX XXXXXXXX ), it's being investigated, or that they simply don't owe me anything. 

Summary of Calls : XXXX Reviewing details, call back on XX/XX/XXXX for update XX/XX/XXXX XXXX XXXX sending back a payment, takes 3-4 weeks to process XXXX Actually takes 3-4 weeks from now ( spoke to XXXX at XXXX XXXX XXXX  who doesn't exist ) XXXX Claimed that no refund for tax due, they were about to hang up. I asked why I haven't received my escrow, then they said it was coded incorrectly. Submitted an investigation, said it will be resolved within a week. 
XX/XX/XXXX Claims they are waiting to talk to XXXX XXXX XX/XX/XXXX ( called twice ) UWM says I'm not talking to the right XXXX XXXX tax dept, and a payment was definitely received. Called XXXX XXXX, they have no proof of payment from UWM or their affiliates ( XXXX ), regardless of which XXXX XXXX tax department it was sent to. 
XXXX Nothing they can do about the issue, other than wait until they complete investigation on XX/XX/XXXX XXXX Still no info from XXXX XXXX, they claim that XXXX XXXX isn't returning calls left on voicemail ( they don't have voicemail )