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

XXXX is reporting I have student loan account with them and I don't never heard of them nor have I done any business with them. 

XXXX XXXX is reporting an account that I don't have with them and no documentation has been provided that I owe any debt nor do they have any signed documentation proving I am the owner of this account. 

XXXX is reporting an account that is not mine and I have contacted them about this in the past but nothing is being done about it. 

XXXX is reporting an account that is not mine and I have sent them Identity then documents clearly stating this account was not mine but they refused to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several of the addresses that Experian had for me because of the wrong zip code or the address having a XXXX in front of it. They would not delete it. Clearly someone has been messing with my information otherwise I have never gotten my address wrong or put an XXXX in front of my address. There is also my name misspelled. The credit bureau just updated the info with the same wrong zipcode. Thats not helpful and clearly my time is of no ones concern. The fact that I have to go out of my way to write this email is insane, after spending all that time disputing it.
Product: Credit card

I received a letter from Citibank dated XXXX XXXX, 2016 informing me that they had closed my Citi Prestige credit card ending in XXXX. The account was always in good standing, and payments were promptly made on time. The letter stated no reason as to why the account was closed other than stating that " Pursuant to our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' There was no number listed to call and discuss the situation. The only way to contact them was to send a letter to their offices in XXXX XXXX, SD. 

I had accrued over XXXX reward points by directing spending to the card, and held in good faith that I will be able to redeem these points for travel when I needed them. When Citibank closed the account, they forfeited all the points without providing any advance notice or opportunity for me to redeem them. A letter sent to their Executive office did not result in a satisfactory outcome. They refused to reinstate the points, and were unwilling to provide any monetary relief. The practice of Citibank enticing customers to use their credit card with promises to reward them, and then unilaterally deciding to forfeit all rewards without notice seems to be a clear case of deceptive misleading advertising, and bait & switch. 

Citibank has not been forthcoming to offer any explanation on whether I had violated any terms of the agreement or caused any material loss to the bank. Under such circumstances, I am entitled to those rewards ( or equivalent monetary compensation ) as were promised when the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit files with XXXX and XXXX  from this company dated XX/XX/XXXX. I did not apply for credit from them on this date. I have an inquiry from XX/XX/XXXX,  that is a legitimate inquiry. I have asked the credit reporting agencies to remove these inquiries, but they do n't have to follow the law, so that was a waste of time. I have written to the company directly requesting documentation supporting their permissible purpose in accessing my files, but all I got I reply was verification that they did, in fact, access my files ... no proof of permissible purpose. Accordingly, pursuant to the FCRA, these inquiries should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Difficulty submitting documentation to XXXX and transunion.
Product: Consumer Loan

In XX/XX/XXXX my mother and I purchased a XX/XX/XXXX XXXX XXXX from this company 's mobile sales location in XXXX, NY. We were told I did n't have enough income to finance the car myself so she would have to cosign. After much manipulation on the part of XXXX XXXX ( the owner ), we got a sale price of {$12000.00}. This was way above the {$5000.00} or less we were told they had for cars. After some debating, my mother and I decided to just buy the car since I needed it for work. After an hour and a half of being insulted by XXXX XXXX, we just wanted to sign our papers and leave.He gave us a long " I do n't deal with crooks, cheats and liars '' shpiel and told us " he would n't sell us a car if we were dishonest criminals ''. After I informed him we did n't deal with that kind of people, either, he finally got down to business. 
Mom and I were told we could finance the car for 5 years at a 5 % ( which later turned into an almost 8 % interest rate ) interest rate. No big deal there. We get to discussing the monthly payment and he said it would be around {$250.00} a month. This was fine and affordable for me. XXXX minutes later he comes back and gives us this " I 'll pay your tax, licensing and other fees but you have to pay me back for it. ( Weird, considering that 's just usually financed into the loan ). It 's going to cost you {$450.00} a month for 6 months to pay me back for that, then your payment will drop to around {$250.00} a month. '' Okay shock at the new payment, but I figured for 6 months it was doable. I specifically asked if he was sure my payment would drop after the 6 month time frame and was told " I guarantee it will ''. Okay, fine. 
Now we finally get to sign our papers and just leave. Mom signed away and after I questioned XXXX XXXX on that, he said in 6 months the loan would automatically go through in my own name as long as I made the payments for 6 months out of my bank account ( also weird but I was assured this was the truth ). Those 6 months came and went and no surprise there, the payment never dropped, the loan never went into my name, and when I applied for my own loan, I was declined after being repeatedly assured I would get approved. This {$12000.00} car ended being financed at {$29000.00} over 5 years. I looked through all the paperwork and ca n't figure out how a {$12000.00} purchase price on XXXX set of forms jumps to {$16000.00} and then {$18000.00} on other sets of forms then ends up costing me {$29000.00}. The car has never been repaired by the dealership. Trying to talk to someone you get the runaround. 
On top of this, the bank who financed the ORIGINAL loan issuer ( Fifth Third Bank ) sold that loan less than two weeks later to XXXX Consumer, and neither party notified us of their intent to do so. The only knowledge we had of this event was XXXX sending us a letter stating that they had purchased the loan from Fifth Third Bank. The NYS Attorney General 's Office told me doing so was ILLEGAL and in violation of FTC laws.
Product: Student loan

My loans from the XXXX XXXXXXXX XXXX XXXX were eligible for a full discharge on XX/XX/year>, under the School Misconduct decision, and all were discharged by XX/XX/year>, with the balances removed from my credit report. Since XXXX, my Aidvantage account has been showing two negative balances ( $ XXXX and $ XXXX ). When I contacted Aidvantage to clarify if I am owed a refund, they directed me to the Department of Education ( DOE ), stating that only the DOE could confirm if a discharged loan is eligible for a refund. Upon contacting the DOE, I was told they could not view detailed loan information and advised to call my loan servicer. After being transferred through several departments at the DOE and explaining my situation multiple times, I was informed that there was nothing they could do as my loans were in " repayment status. '' When I questioned how my discharged loans could be in repayment status, I was once again directed to call Aidvantage. When I called Aidvantage again, they reiterated that only the DOE could notify me about my refund status. This back-and-forth has resulted in a frustrating and confusing experience, with neither the Department of Education nor Aidvantage providing clear answers or assistance regarding my refund.
Product: Student loan

My XX/XX/year> student loan payment was auto debited from my account during that month when I was on for administrative forbearance. Because of the forbearance, that payment did not apply to my PSLF. When I contacted Mohela about this, they said they would refund that payment back to me since I was in forbearance which could take up to 90 days. I sent several follow up email to Mohela of which they said the processing times could take over 90 days. Most recently, I asked for an update about my refund and was told that the payment made will be applied to my total balance and that I would not be getting that refund back. This is inappropriate because I was able to request that refund back within 90 days of payment made due to forbearance of which Mohela is not honoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation re : an account that has been paid off. XXXX  and XXXX  have updated the account correctly. However, Experian has not only not updated but increased the original payoff balance from {$5200.00} to {$9000.00} after their investigation. The outstanding balance as never {$9000.00}. 

I have resubmitted documentation to Experian.
Product: Credit reporting or other personal consumer reports

Experian, XXXX of the XXXX major credit reporting agencies, for their failure to accurately report, investigate, and respond to multiple disputes regarding inaccuracies on my credit report. Their actions have had a direct and severe impact on my financial stability, including the denial of critical business funding. 

Background Information : On XX/XX/2024, I submitted multiple dispute letters to Experian, along with notarized affidavits and supporting documentation, highlighting several inaccuracies in my credit report. Despite taking all appropriate steps and complying with their dispute process, Experian has failed to investigate or provide a substantive response. This lack of action is in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputes and ensure the accuracy of consumer information within 30 days.

Impact of Experians Actions Experians failure to address the inaccuracies on my credit report has directly led to : 1. Denial of Business Loans : I was recently denied a business loan application due to the inaccurate credit information reported by Experian. This denial has significantly hindered my ability to expand my business, which provides essential services to the community.

2. Emotional and Financial Stress : As a small business owner, I rely on accurate credit reporting to secure funding and grow my operations. The financial strain caused by this denial has made sustaining and developing my business extremely challenging. 

Proof of Inaccuracies The following accounts reflect some of the errors and discrepancies that remain unresolved : XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX Incorrect Balance : {$XXXX} ( differs from XXXX report ). 
XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX : {$XXXX}. 
XXXX. XXXX XXXX XXXXXXXX Account is incorrectly listed and does not belong to me. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Multiple student loan accounts with incorrect balances and dates. 
XXXX. XXXX XXXX XXXX XXXX Credit Card Account Number : XXXX Incorrect status : " Paid, Closed '' with discrepancies in status update dates. My bank card was stolen this identity theft Each of these accounts has either incorrect balances, unauthorized reporting, or inaccurate dates, as supported by my submissions to Experian.
Product: Checking or savings account

On XX/XX/2018 there were two transaction happened at XXXX IL. I was living in XXXX TX at the time ATM withdraw {$1000.00} cash at XX/XX/2018 XXXX XXXX XXXX XXXX XXXX IL Card XXXX At the chase bank withdraw {$1500.00} Cash There is a person using fake ID to make those transaction. I made a claim multiple times but got denied.
Product: Debt collection

I have repeatedly tried to connect XXXX XXXX and their debt collectors who wrongfully keep charging me for a bill that XXXX claims is NOT billable to me. Their collection agency Armor continued to bill me and harass me at home and my workplace for over a YEAR. Finally it seemed to be settled as I quit receiving the bills but my credit is marked and ruined by this. I want this taken off my credit report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to freeze my credit file. This seems to require an account with Experian. I created the account, and I only use the account to freeze and unfreeze my credit file. Since creating that account, I have received emails from which I can not unsubscribe. I have attached two images as examples. 

The bottom of the emails read : > Why am I receiving this email? 
XXXX This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. 
> You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

These are clearly marketing emails. When I sign in via the link in these emails, the very first screen offers me to upgrade my Experian CreditWorks account from Basic to Premium, which costs {$24.00} after 7 days. I have attached an images as an example.
Product: Debt collection

I have no contract with Apelles, they have no written consent by me to use my personal information.
Product: Credit reporting or other personal consumer reports

I have been having an issue with an account on my Experian credit report. I recently view it and after several attemps to have this matter resolved I see there still is innacurate information reporting. There is an account - XXXX XXXX XXXX XXXX Account # XXXX reporting payments late XX/XX/year> and XX/XX/year>. In accordance to the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states that I have a 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 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX, Equifax, XXXX, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. Equifax and XXXX both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, Equifax and XXXX still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX  account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.
Product: Credit card or prepaid card

As of XX/XX/ they have quit paying all rewards except for fuel.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian Credit Reporting agency. My complaint is as follows : I asked them why they were hurting my credit report on purpose. The factors they list under my credit report are from XXXX and are as follows : XXXX XXXX. Balances on bankcard or revolving accts not too high compared to limits 2. Few or no installment accts with delinquent or derogatory payment status 3.The balances on your accounts are not too high compared to loan limits 4.Total of all balances on bankcard or revolving accounts is not too high 5. The date that you opened your oldest account is too recent 6. Lack of sufficient relevant real estate account information 7. You have too many inquiries on your credit report.

8. Your largest credit limit on open bankcard or revolving accounts is too low My credit report dropped from XXXX to XXXX a total of XXXX points. I am questioning their reasoning because, it shows they are intentionally hurting my CR and it will cost me higher interest rates. I bring to your attention the 1st statement : They are not too high to the limits so I am being dinged for that. The 2nd statement is saying, I don't have enough delinquent or derogatory information. The 3rd statement is once again the same as the first but about loans. The same is said for the 4th statement. The 5th statement I agree with. The 6th statement is my main complaint, my wife and I have sold two homes in XXXX and XXXX ; however, because we have zero relevant real estate account information Experian is saying that is a negative effect. ( Why should I have to buy real estate to get a better credit rating ). This is implying that I am a high risk because I don't spend money on real estate. The 7th statement I agree with. The last statement 8th is very subjective, because my credit limit on a credit card is {$6000.00}, which I have only used only {$1600.00} of this. This is my highest debit on any credit cards, in my name. When I look at other credit reporting agencies, XXXX and XXXX, neither of these two have any such statements that is subjective to implying, if you don't have high debt, then you are a bad risk investment for lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an UNKNOWN account. I do not owe {$10000.00}.
Product: Debt collection

I checked my XXXX credit report & noticed a derogatory mark on my credit report from Midwest Recovery Systems concerning an unpaid loan in the amount of {$1400.00}. It states the original creditor was XXXX. I do not recall this loan which is from XX/XX/2015& I never received a letter or phone call before this was added to my credit report. I request verification or immediately removed from my credit report.
Product: Credit card

Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please note that I have made multiple attempts to work with XXXX in removing the erroneous reporting of a Dismissed XXXX  from my credit report. Based on the reported information from XXXX, they stated a XXXX party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to XXXX party companies like XXXX XXXX or any other for that matter that XXXX stated provided the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 SECTION 602 A : States I ha
ve the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dovenmuehle Mortgage Inc. and XXXX XXXX XXXX  are one and the same. 
I have filed multiple complaints against Dovenmuehle over the last six years. The last report was submitted XX/XX/2019 complaint ID XXXX. I also did search and realized that I am not the only one to fall victim to Dovenmuehle unfair, unlawful, unethical practices. Please see the link below to see comments from other victims over the years. 


XXXX XXXX XXXXXXXX There is some funny business going on and this company really needs to be investigated and shut down. Dovenmuehle has caused way to much financial harm to the lives of many not to be held accountable. I do not want Dovenmuehle calling me or harassing me any longer. It is clear that all my efforts are in vain no matter how much I attempted to get some where with this Dovenmuehle. I have notified the Maryland State Attorney Generals Office, HUD, FBI, Federal Trade Commission, and the XXXX XXXX XXXX to no avail. I hope and pray that someone will eventually stand up and put a stop to this. Dovenmuehle is a joke, and the service is dishonest, and horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX to get information on how the credit bureaus verified my bankruptcy, more recently since around XX/XX/XXXX. Every XXXX days a new letter has been created to have this item removed. This item has been challenged XX/XX/XXXX and XX/XX/XXXX with the same response as accurate. 

Per a letter received from the XXXX Bankruptcy XXXX they do not report individual bankruptcy to the credit reporting agencies, nor do they update information directly to the credit bureaus. This has caused a hardship for me and my children as a single mother.

According to the Fair Credit Reporting Act, Sections 611 ( e ), 623 ( a ) ( 3 ), 623 ( a ) ( 5 ), 609 ( a ) ( 1 ) ( A ), and 609 ( c ) ( 2 ) ( E ) they are required by law to verify through physical verification of an original signed consumer contract for each and every item which means all accounts they record on a credit report. All items that were under my bankruptcy have expired and no longer are apart of my file. 

The credit bureaus failure to positively verify payment history, to be 100 % accurate and complete reported in a timely matter has affected me to obtain credit. Also, it violates my privacy as they reported this without my permission.