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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

i have a capital one credit card but it shows like i was late 30 60 and 90 days i spoke with a credit counselor and they told me to contact the credit card company to fix this problem with the credit bureaus but capital one its not doing it so i have to file a complaint to see if you can tell capital one to remove what is showing from 3 years ago that still shows like it happen recently
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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
Product: Credit reporting or other personal consumer reports

I disputed the incorrect information being reported for a XXXX account I had back in XXXX. There is no credit limit --, there is no XXXX of XXXX, The date opened is incorrect as it states opened XX/XX/XXXX however there is a 30 day late payment being reported XX/XX/XXXX, how could that be if it wasn't opened until XX/XX/XXXX. I have asked Experian to correct this several times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account on my experian shows XXXX 60 days late for XXXX and XXXX. Shows im past due {$450.00} which is incorrect i have paid them up to date and they had reported accurate up to XXXX and when i went to dispute it with experian they put it as delinquient and shows late which is incorrect. I am in process of a mortgage loan and this is affecting me i need this resolved as soon as possible
Product: Credit card or prepaid card

XX/XX/2020 I noticed my credit score went down significantly. When I looked into it, it showed that I had a delinquent account with Barclays Bank Delaware. Shortly after, I contacted the company and thought I had resolved the issue. Basically I had been charged two dollars and some cents for an XXXX in XXXX. I knew this transaction was impossible since I had not visited the country. The company said they would report it as fraud and everything would be taken care of. The company stated it would take 40 to 60 days to reverse the charges that were made out of the country and fix my credit score. Two months later my credit score was still extremely low ( Almost 100 points lower ) and the account continue to accrue interest. When I called back, the company said it would only take a few more weeks to come off my credit score and reverse the charges. Flash forward to XXXX and my credit score is still being affected and now Barclays is saying I owe over {$200.00}. I have contacted the company multiple times, spoken to many supervisors and specialists, and the company has not changed anything.
Product: Credit card or prepaid card

I received a email from Bank of America about I wasnt approved for a credit card that I never applied for. I then checked my credit report and saw on XX/XX/2023 someone fraudulently took out a card in my name using my SS. I would like to have this looked into because this will affect my credit and I just got off bankruptcy. I want to press charges. Please and thank you. Im afraid that this will happen again since my SS is compromised.
Product: Debt collection

On XX/XX/2016, I disputed the alleged debt within the XXXX period. When I received their letter on XX/XX/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. XXXX ) XXXX XXXX closed my count XXXX, XXXX continues reported me late.3 ) Capital One closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting late.5 ) XXXX  XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX charge XX/XX/XXXX it was closed XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my credit karma and noticed Dept Of  Ed/XXXX late fee 's of a total of 48 on XXXX  and 54 on XXXX. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that XXXX, XXXX and experian should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with XXXX, XXXX  and experian also and it just goes around in circles the blame game.
Product: Vehicle loan or lease

U.S. auto sales went out of business leaving me with a car without license plates and XXXX XXXX with only having the car for 3 weeks. The car was not drivable. I called and i didnt get any responses. They closed all locations and sold the debt to another company which is west lake. I no longer have the car they came and repossessed the car due to non payment because the car was not drivable and I didnt have licenses plates only the temp plates which was expired. This is holding me back from getting a car because its reporting on my credit. On my credit its reporting {$16000.00} this was 2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I write to raise concerns I have about the tenant screening practices of Saferent Solutions and XXXX XXXX. 

On XX/XX/2023, I applied for a home with XXXX XXXX in XXXX, Georgia. XXXX XXXX was aware that I was planning to rent the home with a XXXX XXXX XXXX ( also known as Section XXXX ). XXXX told me they accept vouchers. XXXX charged me {$100.00} ( {$50.00} for me and {$50.00} for my adult daughter ) as an application fee. 

On XX/XX/2023, XXXX used SafeRent Solutions to conduct a tenant screening check. On XX/XX/XXXX, I found out that I failed the tenant screening check, and that XXXX was denying my application. Attached is a copy of the tenant screening report I requested and later received from SafeRent. The report raises a few problems, which I explain below. 

XXXX. The SafeRent report inaccurately states that I have a felony record. I was never convicted or found guilty of a felony. SafeRent 's record collection must be highly flawed if the report is showing this level of inaccuracy. 

XXXX. The SafeRent report lists non-violent offenses and alleged offenses from nearly XXXX years ago. Records so old, even if accurate, should not appear on a background check. They have no bearing on my ability to be a good tenant. 

XXXX. The SafeRent report is vague and opaque about the reasons I was denied. It uses a numbering system that does not relate to my credit score, and I can not tell from the report what item or items have caused me to be denied. Although SafeRent says it does not make the decision for XXXX, my understanding is that XXXX relied exclusively on its determination when choosing to deny my application. 

XXXX. The report seems to penalize me for not having more income, in comparison to the monthly rent. However, that conclusion does not make sense, given that XXXX has agreed to take my voucher. Under the XXXX XXXX XXXX rules, my portion of the rent will be approximately 30 % of my monthly income. It is unfair to charge me an application fee and run a report that I was sure to fail based on my income alone. 

I hope you will investigate these practices, as I'm sure I am not the only person who has fallen victim to this unfairness. Please contact me if you have any questions.
Product: Credit reporting or other personal consumer reports

FCRA 605B dictates the removal of any incorrect accounts from my credit report. Please review the documents, as some accounts listed show inaccuracies in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 an inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Bureau : TransUnion.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well- being and personal security. I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

American Express website as a deceptive layout and does not show up to date payment information clearly. I had made a payment based on the minimum payment displayed on the website of " XXXX '' but a few days later they added a late fee of XXXX to my account because the payment was supposed to be " XXXX ''. If it had showed that information properly I would have paid the XXXX easily, but it didn't! On the website there is a tab labeled " Payments '' but when I click on it, it just shows " add bank account '' and has nothing do with showing all the payments I have made to this account! I tried asking them to remove the fee for this confusing website info and they refused. I have already made another payment of XXXX dollars to offset the fees incurred. 
This is a very deceptive practice of mislabeling and showing out of date information on their website for payment history information and upcoming minimum payment information! I'm pretty sure alot of people have fallen into this deceptive practice by American Express on their credit card account management website.
Product: Credit reporting or other personal consumer reports

I request the removal of the inaccurate XXXX XXXX XXXX, dated XXXX XXXX XXXX XXXX XXXX, from my credit report. This error damages my credit and is defamation to character under FCRA. Please investigate and remove this error promptly.
Product: Debt collection

I called u and disputed the account but no response received from you till now and u are calling me like XXXX if you can not validate the debt remove it from my credit report
Product: Mortgage

I have reported many past issues with greentree and have lost alot of money and had them attempt to foreclose on my home several times illegally. I need them now to clear my court and credit reports since it now looks like i had a foreclosure when im in the home. I need to see if all the past issues i reported qualifies me to be a part of the settlement with green tree as well. they have added XXXX in fees on my account through all of this
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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
Product: Student loan

When I went to check my student loan payment due for XX/XX/year> via Navient online portal, it said I didn't have any payment due. This is all within, I'd say, XXXX to early XX/XX/year>. I kept checking back, and it continued to say I had no payment due. I thought this was accurate after checking multiple times, because my husband 's student loans are on pause though the government and he has no payments due through his servicer. So, I assumed this information from Navient was correct. 

At some point in mid-late XXXX XX/XX/year>, Navient said that they would no longer be holding my loans ( told me via the online portal when I signed in ), and that they had moved my loans to XXXX. I tried to create an account and log in with XXXX to make payment, but it wouldn't let me -- it said something like " we don't recognize '' me/my account/my loans/etc.. I don't quite remember exactly what it said, but, basically, it was saying they didn't have my loans. 

At this point, I have zero access to any of my private student loans. Zero access to see them or pay them, or do anything at all, through either Navient or XXXX ( I logged back into Navient and they were still not there ). They just disappeared from the the portal entirely at Navient, and XXXX has zero record of me. 

So, here we are on XX/XX/year>, and, now, magically, my loans are still with Navient and not XXXX. I can now see all information. Now it says I have an " overdue payment '' and fees associated with the late payment, plus an upcoming payment. Keep in mind : I had *zero * access to my loans, and literally no way to make payment because the loans weren't even listed on Navient -- it's as if I never had a loan at all -- there was zero information at all. Now they are trying to push forbearance/deferment on me, all while harassing the co-signer, but they haven't even called me once to the best of my knowledge.

Now I'm in a financial situation where I can't pay until the next paycheck, because who can afford student loan payments and rent on just one paycheck? That means I'll get more late fees,
they will keep harassing my co-signer until it's paid, " late payment '' goes on my credit report, and now I have to somehow manage two payments for Navient *alone* on one paycheck. These aren't my only loans, these are only a small fraction. 

None of this would've happened if the accurate information was listed. None of this would've happened if I had *access* to pay my loans when they were actually due. How are these practices legal? 

No, I didn't take screenshots. I should have. But the XXXX  of figuring everything out, and spending literally hours to *find* where my loans are to make payment -- it doesn't even matter. At what point is any of this THEIR responsibility? These student loan servicers get away with everything, and we always are the ones to pay for it -- financially, emotionally, with our time, in late fees, etc. I don't want to play these games anymore. It's exhausting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/year> SSN # XXXX According to 15 USC 1681 all information should be reported accurate and I have incorrect addresses being reported on my credit report.

I do not live at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX and it does not belong to me it shouldn't be reflecting or reporting on my credit this is fraudulent information the all the address that should be reporting if any is the address listed above XXXX XXXX XXXX XXXX XXXX .... Also I would like to address the correct spelling for pronunciation of my name it's XXXX XXXX XXXX, the only way it should display on my credit report not XXXX XXXX correct and update immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a couple of items thats showing up that I am unaware about
Product: Checking or savings account

Re-opening CFPB case XXXX which is tied to Wells Fargo case XXXX. 

On XX/XX/23, I filed a claim with Wells Fargo to dispute fraudulent transactions from XXXX, XXXX. There were 9 transactions in total and the full amount on the claim was {$4400.00}. These transactions appear to have been made on XX/XX/23 and XX/XX/23. The claim closed XX/XX/23 and sided with the businesses. I called the claims department to ask what these transactions were and how they validated they were appropriately authorized. Wells Fargo deemed that these transactions were authorized by stating that, " the card was present and the chip was used. '' Additionally, I was never contacted by Wells Fargo during this investigation period to provide additional evidence or assistance in the claim review process. Transactions : XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$530.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$200.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$420.00} If these claims were authorized by my card then Id like to file this claim as fraudulent charges/transactions rather than unknown transactions. A card being present and chip used is not a sufficient conclusion to a fraudulent transaction as a card can be held by someone else, such as bartender holding on to a card for a tab, for example.
Product: Student loan

I attended XXXX campus in XXXX XXXX to XXXX XXXX in the XXXX degree. I was forced to open a private student loan through the campuses financial company. They called it a Genesis loan. The loan amount was for XXXX. It was to cover the difference of tuition that my federal student loans did not cover. I currently have XXXX in federal loans due to this school that was found to have fraudulent financial practices such as inflating tuition and making students take out these private loans. I need help in forgiving this loan due to the fraudulent financial practices of my school.
Product: Credit card

Recently, due to failure to renew their master agreement, XXXX and American Express have ceased their commercial relationship meaning that the XXXX American Express Card would cease to be valid in XX/XX/XXXX. According to a mailing received from XXXX, all outstanding balances on the American Express Card would be transferred to the new Visa card they are issuing to members. Disturbingly, the mailing indicated that the balance transfer would be assessed at the penalty rate even though the American Express account was in good standing. As this will result in a significantly increased interest rate on outstanding balances, even though the cardholder did nothing whatsoever to warrant that assessment, and such assessment is by the terms of the new Visa cardholder agreement illegal since under that agreement the penalty rate can only be charged if the account is past due or payments have been missed. In my view this assessment constitutes an violation of the Fair Credit Billing Act as it is imposing a penalty where none is authorized.
Product: Consumer Loan

I have received multiple calls from Regional Finance in XXXX XXXX, to my place of employment after asking them on multiple times not to contact me at my job. I had to give them a notarized cist and desist to get them to stop communication at my job.
Product: Student loan

Before attending XXXX  XXXX College, they came to our school promoting a free college for class of 14 if we graduated from XXXX XXXX XXXX and all. So 3 months while attending XXXX they had a meeting for all of US student who came from XXXX and told Us that our schooling will no longer be free and that we have to pay, I had to take out a parent plus loan also so for this because we was on the impression that it was free 100 % because I was a broke kid going to college as it was and know Im stuck with a big debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}