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

TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and XXXXXXXX XXXX and Equifax XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on Equifax as a DEROGATORY, XXXX as PAID, and XXXX as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.
Product: Checking or savings account

On XXXX XXXX XXXX I opened a business checking account, CD and business credit card at the BofA branch located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I selected Bank of America because they were advertising a bank credit for new checking accounts and credit cards. It was {$150.00} for new checking and {$100.00} for a credit card after 6 months. <P/>I followed up with Bank of America in XXXX of XXXX because I never received a credit for either promotion. I was required to submit request with both the credit card team, and checking account team. The credit card team honored the promotion, but the checking account team sent denial letter for case number XXXX dated XXXX/XXXX/XXXX. <P/>The denial letter stated the promotional code was not entered when the account was opened. I opened the account at the branch the same time the credit card was opened. If their banker did not enter the promotional code correctly when opening the account I do not see how that releases them from honoring their promotion.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX  XXXX  XXXX XXXX ; but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX TER, XXXX, FL XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquires from Capital One Auto Finance. Once was in XXXX and the other was in XX/XX/2021. I purchased a vehicle in XX/XX/2021 and did not authorize them to pull my credit in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account. My ex wife opened it in my name. XXXX  and XXXX  have investigated and deleted the account however XXXX will not. This is causing me to not be able to get a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Credit reporting

I have disputed the XXXX XXXX item on my credit report on XXXX and Experian but both credit beaureaus have n't deleted the collection account.
Product: Credit reporting or other personal consumer reports

Equifax - XXXX XXXX - XX/XX/2023 - {$140.00} I am not responsible for this. I don't have any type of agreement with XXXX XXXX. Equifax has had their site down and unavailable to even access my report or dispute it.
Product: Credit reporting or other personal consumer reports

XXXX, you are report the Dispute status as "Not in Dispute" on my credit report.  

My student loans have been in dispute for over a year.  I have sent numerous disputes in writing, online, and through CFPB to XXXX XXXX XXXX XXXX XXXX  

 I have been submitting complaints and disputes through the CFPB for last three months.  I think this account is under dispute!!!

Change this to Under dispute.

I am not going to stop until this is solved.

This account is in dispute!  Here are the CFPB complaint numbers.
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: Debt collection

I paid the debt and they keep charging me interest on top of interest after I asked for a one-time full-interest fee waiver, which would have paid the card in full. I have tried to request this several times.
Product: Checking or savings account

On XX/XX/14 I made a {$2200.00} cash deposit at a drive thru atm at XXXX XXXX XXXX XXXX XXXX, in which the transaction did not go thru at the atm. My cash was not returned nor was the money deposited into my account. I spoke with multiple representatives including the claims department with no resolve. When requested to expedite the claim and have the atm counted for discrepancies I was told I would have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that there are several accounts, that are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collection with a past due balance or XXXX balance. 

XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX, XXXX XXXX, KOHLS/CAPONE XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX XXXX, XXXX/DEPT OF ED. 

This is a violation of the FCRA and is in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report and required to remove any information that is not true, inaccurate, compliant, and verifiable. I demand that the above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

fraudulent inquiries and name on my credit report, and the credit bureaus are reporting it without a permissible purpose. The inquiries and name are listed below : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX.
Product: Consumer Loan

I have XXXX inquiries from Ford showing up on my XXXX credit report for the same lease and there should only be XXXX from XXXX ford In XXXX Pa.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Credit card or prepaid card

When redeeming {$570.00} in points on my Fidelity Investments XXXX  credit card, I accidentally hit the wrong key when I was online. I wanted to have the rewards dollars credited to my brokerage account at Fidelity but instead I hit another key that said statement credit which resulted in a XXXX % reduction to XXXX which was credited against my credit card balance. The result was a loss of {$280.00} to me. 
I immediately called Fidelity ( like 10 minutes after I made the mistake ) and was transferred to Elan Financial which handles the cards for Fidelity. I talked to 3 people at Elan, all said nothing could be done. I recently got a letter from XXXX services that said nothing could be done. I believe Elan is owned by US Bank. 

I feel that this is totally unfair. It was a simple bookkeeping adjustment that could have fixed this issue, instead it was an easy way to treat the consumer poorly and grab the money. Especially when dealing with a senior citizen.
Product: Checking or savings account

On XX/XX/2014 an account on Chime was opened without my knowledge or permission. This account is 100 % fraud. 

I tried calling several times to cancel the account but can never get through to a representative. I emailed several times and received very unhelpful responses. The last response they asked me to email them a copy of my g we meant ID. After they allowed a fraudulent account to be opened, there is zero chance I giving them PII. 

There unwillingness to take swift action even after being made aware of the fraud is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE CREDITORS, AND CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT TO REMOVE THE FRAUDULENT INFORMATION, AND I DID XXXX WAS THE ONLY COMPANY TO REMOVE ALL FRAUDULENT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my XXXX credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX and XXXX. I have an XXXX account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.
Product: Credit card

I received an alert by my credit monitoring service that someone opened a Capital One credit card in my name. I immediately froze my credit reports from all XXXX  credit reporting agencies. I contacted Capital One directly and they stated that they will close the account and investigate.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$480000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX     I sent Transunion,  LLC  about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file via certified mail. The delivery record shows that this item was delivered on   XXXX   XXXX   XXXX     at  XXXX  pm.I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Transunion has not provided me any requested documentation and it has been well past the 30 days that they had to respond to my request. I 'm requesting the immediate deletion of this inaccurate information.
Product: Student loan

I am former XXXXXXXX XXXX Borrower Defense discharged most of my loans tied to XXXX I discovered there was private loan, without my knowledge and consent. The loan is managed through Navient ( Sallie Mae ), as I stated previously I was unaware that I had any private loans. I requesting documentation on this loan as I believe this the loan not ok or signed off by me.

Im asking for explanation as why the first request for dismissal was denied as Naviant did not provide a clear explanantion. Naviant explanation " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school ''. I am requesting through look into this and I am considering legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score had been dropped significantly due to incorrect account information. Im in the process of mortgage loan modification with XXXXXXXX XXXX after XXXX month Covid forbearance. I chose loan modification as my repayment option and resumed monthly mortgage payment ( starting with XXXX month trial payment ) right after XXXX month Covid forbearance and never missed payments since XXXX. however, outsourced XXXX XXXX loss mitigation dept is keep delaying loan modification process and never finalizing nor updating the status of my loan account. Seems like, loss mitigation dept and XXXX XXXX are not communicating each other, As a result, XXXXXXXX XXXX reported my mortgage account as delinquent. How can i revert back my credit score? XXXXXXXX XXXX eliminated their mortgage dept. couple month ago and outsourced mortgage service to other company and outsourced servicing firm is not finalizing my loan modification document. They supposed to finish modification process last XXXX after XXXX month trial payments. Please help me.
Product: Mortgage

Nationstar Mortgage has been trying to foreclose on my home since XXXX. The made false claims the XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX  was the owner of my mortgage and note. However, the trust has not existed since XXXX. I also have a written statement from XXXXXXXX XXXX  showing they do not own my mortgage and note. Recently they filed a motion of summary judgement and filed an affidavit containing a forged signature of XXXX XXXX from Nationstar Mortgage, No one at nationstar Mortgage could verify that this person even works there and go to find out this so called person has numerous different affidavits with none of the signatures remotely even matching any of the others. This is another case of a robo signer in which a fake name is used and anybody can just sign the document which is fraud. I had a professional hand writing expert look at these documents as well as the Chief of Police in XXXX, Illinois and they determined that the signatures are not genuine. Nationstar willingly and knowingly committed fraud by using a fake person by the name of XXXX XXXX to sign a bogus affidavit to foreclose on my home.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed Westlake financial XXXX this account is closed XXXX XXXX this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.
Product: Credit card or prepaid card

Back in XXXX I started receiving bills from Capitol one credit card when I never signed up for a credit card. I have all 3 credit bureaus on credit alert for one year, but someone I don't know has gained access to my personal information and opened up a line of credit. I'm now in debt and I'm trying my hardest to get out of this situation. I have spoken to Capitol one on a few occasions and they said that they will look into it. 
I'm asking you to please help me resolve this issue. I have only one card and it's from my bank.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Crate and Barrel credit card which I only use at that store. However, I received an unknown charge and reported it. The bank is Synchrony Bank. They have been really bad in trying to resolve this charge. At first they said they recognized the charge and took my concern of fraud. They told me not to pay that amount ( only {$7.00} ) and cancelled and issued my a new card. Later they sent me an online letter saying the charge was only a pending charge and was not recorded. However, this is not true, it is still on the account and now since I didn't pay it, a late charge was assessed. 

So this is the first part of my complaint that they didn't resolve the fraud charge. Secondly they have been very difficult to deal with. On the phone, they said this was the first they had heard of the fraud even though I have the letter saying they looked at it. Then they said they have no access to fraud information. Then they put me on permanent hold where they never came back to the phone. I then tried to contact someone in chat that tried to tell me the same thing but after persisting they did find the fraud report only to say they did not have a fraud department and I need to call the phone number. I called the phone number on the letter they sent me and those are the people who say they also can not do anything. Then she told me to call back during business hours. 

It is still unresolved. 

They use some system with secure messaging where they never really send you anything but just a link to online messages. After they changed my credit card, all those messages are gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Ct, XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a letter to challenge the inaccuracies on my credit report. 

Year of birth is listed as XXXX on report.which inaccurate. 

XXXX XXXX TERMS - XXXX ... Should be a numeric value only. Inaccurate. 
MONTHLY PAYMENT - {$450.00} ... there should be no monthly payment on a closed acct. 


US DIST COURT Court Name is incomplete. Should include city and state. 
XXXX  did not verify this acct. with the source which would be the courthouse.