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

Sent by certified mail on XXXX a dispute request to Experian regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from Experian saying there review was complete and that the information on the report was verified with the court and updated. I supplied Experian with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting

This account has been reporting on my credit for the past 7 years, and it should be deleted based on the time, has been reporting. At the time I am trying to buy a house for my little son and my wife, and this makes it hard since it should be deleted based on the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-19 I applied for a car loan at XXXX XXXX XXXX XXXXXXXX. I was prompted with a congratulations you are approved. I went in on my next day off with one of the cars I was interested in from the online portal. Once I arrived a sales man greeted me asking have I been there before. I responded no I was approved online and this is the car I was interested in. I test drove the car and fell in love with it. After he started asking me for my validation of income reassuring me that I was approved. I gave him all the info he needed. And now 10 days later I have 11Hard inquiries. I never approved that. I would never do that to myself. I was planning on buying a house in XXXX. This disgraceful situation has made my credit score go from a XXXX to a XXXX. This by law should be illegal. Sometime highly recommend me to respond to you. Whomever gets this please fight for me and all the other victims of this type of sales tactic. Thank you again for your time and consideration ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX our mortgage account with Loan Care was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Product: Mortgage

My residence in XXXX XXXX, IA was severely damaged during the derecho storm on XX/XX/20. I was without power for 10 days and without Internet service for 12 days. I contacted Bank of America to request assistance with the property claim process as well as for assistance with payment options related to my mortgage due to the FEMA recognized disaster.

I have spent over 5 hours on hold with multiple Bank of America numbers ; I have been in contact with 7-8 different representatives. Only a few representatives have been helpful, while others just transfer me. I have also left voice mail. I have been told that my account has an alert regarding the disaster and that payment options are available. However, nobody has been able to assist with reviewing the payment options.
Product: Credit reporting or other personal consumer reports

My Equifax credit profile is still reporting with the disputed results due to an internal hold that was placed on my account and I needed to request the internal hold be released.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX/XXXX  Account XXXX XXXX   XXXX  FKA XXXX
Product: Credit reporting or other personal consumer reports

Yes I've asked for the inaccuracies to be removed from my report I've also uploaded my FTC IDENTITY THEFT REPORT within less than 24 hours the bureau emailed saying the items was verified with out the proof in my declaration with any Information on who they spoke to anything bearing my signature the initial start of the investigation thy are refusing to remove inaccuracies of my credit report that is tarnishing my financial well being and credit worthiness
Product: Debt collection

On XX/XX/20 this company did a hard inquiry on my credit which has no valid reason and was not authorized by me. This was done with malicious intent and I want it fixed and I will continue to file complaints until it is resolved. There was no reason to do a hard inquiry. If they wanted my credit report they could have done a soft inquiry to get whatever information they needed. They listed the reason as " installment loan inquiry ''. I never discussed, inquired, or authorized any type of application for any type of financial service. Further, the employee who called me violated FDCPA by harassing me, threatening me, and giving out information when no identity was verified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 reporting or other personal consumer reports

On XXXX I received a declination letter from XXXX XXXX XXXX for a homeowners/umbrella/auto insurance quote. I was previously a customer of XXXX XXXX but switched to XXXX XXXX for better rates and provisions. The XXXX XXXX letter is attached indicating I was turned down based on an erroneous and defamatory " mysterious disappearance '' coding of a loss claim that was reported to XXXX XXXX  by LexisNexis Consumer ( or XXXX XXXX ) and I made a request the same day to LexisNexis Consumer Center as indicated on the letter. I should have received a reply in the form of the written report disclosed to XXXX XXXX but did not within the 60 days allowable. I also asked XXXX XXXX through my law office to disclose to me the same information which was taken from XXXX XXXX 's recorded and/or reported to LexisNexis by XXXX XXXX XXXX XXXX XXXX refused to provide me my own records from my insurance claim which was neither mysterious nor a disappearance but in fact a loss reported to them and to the facility where the loss occurred and a search was done without success. 

Because LexisNexis forces the consumer to complete the demand form on line and fails to provide a copy of the request, I do not have a copy to provide herein, Clearly this is purposeful on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that appear on my persona consumer report form XXXX, XXXX and Experian that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.
Product: Checking or savings account

Back in XX/XX/XXXX, I was notified by BMO Harris Bank that fraud had occurred on my accounts. I have a checking and a savings account. My accounts were instantly frozen and after an investigation the bank learned I was the victim and not responsible for a fraudulent check that was written. 
I had 2 accounts, a savings ( $ XXXX ) and a checking ( less than {$100.00} ). After many weeks waiting for the solution, I learned in XXXX that checks were issued and sent via us mail to an address I haven't lived at since XXXXXXXX XXXX XXXXXXXX. I was never notified by BMO they were sending me checks or double checked to ensure how money was being reimbursed. 

Mid XXXX I l never received any checks and only learned than that the checks would probably not get rerouted because they were bank checks. After contacting the fraud department multiple times they asked for me on 3 separate occasions to verify my ID with a notary. I did exactly what they asked, only to find out again in XX/XX/XXXX they had no records of me doing that. 

Again I sent a ID verification form notarized where I was informed that the old checks would be cancelled and new checks would be re-issued. Now its been 4 weeks and no checks were received yet, and when I contact the help line I get no help. 

My father, who is on my checking account, filed a complaint with your agency about BMO - and that check for the checking account ( {$88.00} ) arrived at the new address. I am still waiting for my {$4000.00} check, since I am a XXXX XXXX  and have had no access to any of my money since XX/XX/XXXX. My parents have had to struggle to help me pay for bills that I can not pay because the bank is inconveniently not helping me. 

I am filing this complaint because I did nothing wrong and I feel the BIG BANKS are not keeping their employees accountable to fix these problems effecting the little guy.
Product: Mortgage

When NewRez purchased my home mortgage loan my payment was approximately {$1400.00}. I tried to set up an online account but the website wasnt working. 

Roughly 1 year later I was informed that the taxes on the home were more than expected resulting in an escrow defecit and I needed to pay nearly {$2700.00} within a month to avoid my bill going up to {$1700.00} per month. I squirreled away and managed to make the payment in full. I then received a notice that my bill was going to be {$1700.00} and I called the company which claimed they never received my escrow payment. After much hemming and hawing a nice customer service rep on the phone found that the escrow payment had been applied to my mortgage payment instead paying multiple months in advance. She said she was able to reverse it and get the money transferred to the correct place. To cover the adjusted taxes my new payment would be {$1500.00} going forward in 2025 to prevent any deficit from reoccurring. I made automatic payments of the {$1500.00} in XXXX, XXXX, XXXX, and XXXX. 

Tonight I had a missed call from NewRez. I called them back and the automated service said I hadnt paid my mortgage since XXXX. When I finally got a live associate, he said that the system was messed up and that the payments had been received, but I was short because I was paying {$1500.00} when my mortgage was {$1600.00}. I told him this was not correct since I had paid off the entire escrow deficit my payment was {$1500.00}. He said the escrow amount hadnt been paid, that the amount I sent in had been applied to principal and asked if I paid my loan principal. I told him I paid the regular principal and interest every month and then had made a one time payment on the escrow balance. He told me that information wasnt helpful and when I tried to explain he said that wasnt the information I asked for but I can figure it out. He ended up saying he would have the funds moved to the escrow account by tomorrow but that my payment was still {$1600.00} as it had increased due to taxes. I told him it already had increased, and my loan payment had gone up approximately {$150.00} for that exact reason. He told me the previous lady must have made a mistake and the new amount is the {$1600.00} so I owe {$100.00} on the last several payments. I told him I would need this in writing before paying because it should not have increased twice in just 4 months. He said I would receive paperwork to my email within 10 minutes. I verified my email address. It has now been close to half an hour and I still havent received anything though I checked all the folders. My property tax did go up so that much is true but it should not have gone up twice in such a short period. Regardless of which amount is correct there needs to be better communication and transparency. There also needs to be a much better process for processing payments to ensure money goes to the right place. I am extremely frustrated and feel like I have no idea when they will randomly tell me I owe them hundreds or thousands of dollars more. I also feel like the customer service on this second call was horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed this situation to my attorney and XXXX is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. XXXX, XXXX, and Experian are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of ENHANCED RECOVERY COMPANY ( ORIG CREDITOR : 11 XXXX ), ENHANCED RECOVERY COMPANY ( ORIG CREDITOR : 11 AT T MOBILITY ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit card

On XXXX XXXX,2014 I received a letter from Bank of America. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report there is a credit card account open with XXXX XXXX XXXX  reported as delinquency. I never had such account and I reported to the bank such account as theft of my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have the exact dates but Iam currently in the process of trying to fix my credit and have repeatedly field disputes against capital one multiple times in regards to changing the status of my accounts from closed. The account is paid in full and its one of the main accounts affecting my credit. I keep disputing it and have gotten no results :
Product: Checking or savings account

On XX/XX/XXXX i called Citibank in regard to XXXX unauthorized transactions that took place on my account between the dates of XXXX totaling to the amount of {$3200.00}. I explained the situation to them and that all XXXX of these charges were completely unauthorized and i had no knowledge of them. I asked them if anything additional was needed letting them know that i did not allow anyone to use my card and will file a police report if it needed to be done. The phone rep stated to let them proceed with the investigation XXXX. On XX/XX/year> i received a letter from Citibank stating that they believe i was responsible for the charges therefore the charges would remain on my account. On that same day i called Citibank to appeal this decision as i had no knowledge of these transactions and i would not file a fraudulent claim if i was responsible for them. I was able to appeal the claim. They asked that i send them a fax with a police report along with a paragraph of how i believe that i am not responsible for the charges and since that day now being XX/XX/year> i have called Citibank roughly XXXX times all to be told they are still working on it and have no answers for me and XXXX  now when i was transferred to a XXXX the XXXX said they would look into it to get some answers and hung up on each phone call with no returning call. I am beyond frustrated with this process as majority of my funds are being tied up with this issue and was looking for further assistance to appeal my case. Thank you.
Product: Checking or savings account

They reversal the {$290.00} now account is overdraft XXXX they don't want to help me a. Homeless hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that Experian Credit Bureau closed my complaint to protect my PRIVACY. I called Experian after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit XXXX XXXX XXXXXXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled XXXX, has violated my rights.

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.