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

I am writing to express my deep concern and frustration regarding the ongoing battle to recover my identity and the credit bureaus refusal to remove inaccurate information from my credit report. Despite providing you with an identity theft report, and informing you about the Data breach with XXXX the incorrect items remain, severely impacting my ability to secure housing and obtain financing. 
I have made numerous attempts to address this issue through various channels, including filing a complaint with you the Consumer Financial Protection Bureau ( CFPB ), in the hopes of finding a resolution. However, the lack of action and assistance from the CFPB has led me to take the necessary steps towards pursuing help outside of the CFPB I have provided you with the appropriate documentation to support my claims. I expect that as a Protection Bureau, you adhere to the highest standards of accuracy and fair reporting from these credit bureaus. 
Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I look forward to a swift and satisfactory resolution to this situation and expect your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the XXXX data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the XXXX, my local XXXX and XXXX  and no one was able to help me.
Product: Credit card

XXXX visit on XX/XX/2016. I filled out their forms and I qualified for their XXXX program '. Vet took my XXXX to examin him and staff person came in and said it would be around {$49.00} for the visit. Vet came back and said they would draw blood. Vet said my XXXX would need medicine and I gave them my pharmacist 's phone number. Went to desk to check out. That 's when the desk person informed me that my bill was {$130.00}. I asked why when the first person said it would be only $ XXXX, desk person told me blood draw was extra. I told that I did n't have that much in my bank account to pay. Staff person suggested that I take out their credit card. I started to fill out the forms and that 's when I was informed that to qualify for the credit card, the company required an additional {$160.00} fee for a total of {$300.00} be charged on the card. I was shocked and upset, but not much I could do. So they put a charge through for the {$130.00}, plus the additional {$160.00} XXXX for 'no services rendered, ' as far as I was concerned ). I went home and started thinking about the " forcing me to charge an additional amount. '' On XX/XX/2016 I got so upset with what I feel is a scam, I transferred money from my savings to my checking and had the bank send in a check for {$130.00} electronic date arrived XX/XX/2016 for vet services rendered directly to XXXX. The first part of XX/XX/2016, I received the CareCredit card with flyers inserted. I tore up the credit card. I then received a statement from CareCredit for a bill of {$220.00} {$27.00} for late payment charges. I wrote on the bill and returned it stating that the veterinary bill had been paid directly to XXXX XXXX XXXX and that they knew that I had paid it all up. Lately, I have been receiving phone calls from them XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX, since then daily XXXX calls per day. I have ignored them all. I am still upset about forcing me to charge the {$160.00} for absolutely no services rendered and now all the harassing phone calls. I would like to see that the XXXX XXXX XXXX stop this type of 'scam ' of forcing patients to charge these 'fake fees. ' I definitely want Synchrony Bank/CareCredit companies to remove the $ XXXX {$27.00} late charges and stop contacting me in any way shape or form.
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department XXXX XX/XX/2021, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, Equifax and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/2021. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is securities fraud and identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX. The second one has a filing date of XX/XX/XXXX with reference #XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX account XXXX is reporting inaccurately and needs to be updated to paid on time. Experian didnt correct this account reporting to report the accurate late payment history and this is now false reporting by Experian. Experian if you can not furnish documentation directly from XXXX XXXX proving that I was XXXX days late consistently on the dates reported, the entire late payment history needs to be updated to show paid as agreed never late because of false reporting and subterfuge reporting by Experian. 

I have provided a copy of the credit report clearly showing the inaccurate reporting and have circled and highlighted them for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, XXXX and Equifax, Reference # XXXX and 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
Product: Student loan

They called saying the loan I had applied for was accepted. Due to my good behavior of paying debts/bills on time, no criminal history, and I was awarded this money as a grant and I would not have to pay this back. 
The number associated with this was ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX was the name given. You could hear a lot of people in the background so it did sound like a call center.
Product: Credit reporting

I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!
Product: Mortgage

Basically, my account has been transferred to PHH Mortgage & the payment options they say are available aren't really available. I was just hung up on by one up their reps as she tried to explain to me that it is too early to make my XXXX payment. I work on commissions and like to make my payments ahead of time to keep from stressing over bills. I have had to fight with company from the beginning to make payments & this should not be the case. I have filed complaint with the XXXX  where I found 933 complaints last week regarding their lack of customer service and unethical practices. We need an AG to address these issues and call these things out. Each time I try to make a payment I get the following same message : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. 

My last payment was made on XX/XX/XXXX and has cleared my bank. I would like to be able to make my XXXX payment this week and XXXX payment next week. I don't like using the us mail because things get lost and move too slow. Also, I don't want to give my banking account info to someone I don't know over the phone.
Product: Credit reporting or other personal consumer reports

I went into XXXX after getting notification from someone who worked there that the balance reported on Credit karma was {$190.00} and this was reflected in their system as well. However, when I went into the branch. I believe the end of XX/XX/year> they told me that the charged off amount was wrong and I owed them {$270.00} dollars. I have never had a company try to get more money than what was reported. This has been a charged off account that was recently changed to reflect negative info and to bring my score down. This should not be allowed. Its now updated as I missed or was late XXXX times. My credit report never reflected this until recently. Someone is fraudulently messing with my account. 
I decided to keep the letter out that had the names of contact from XXXX off this form that verified this amount.
Product: Debt collection

Outstanding debt with XXXX for articles for incorporation. I had an outstanding debt XXXX XXXX Ref # : XXXX  Balance : {$440.00} CW # : XXXX I had closed out the corporation as part of the XXXX XXXX legal incident of opening numerous accounts. I forgot to clear the issue with XXXX XXXX. They are working on closing out the corporation with the State of Texas.
I received a phone call yesterday from a debt collector : XXXX XXXX Caine & Weiner XXXX XXXX XXXX.
XXXX, TX XXXX  Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX I spoke with XXXX XXXX  and explained I needed more information from XXXX XXXX. After consulting with XXXX XXXX, they have me a 20 % discount on the debt and I payed Invoice # XXXX with a XXXX XXXX ending in XXXX for a total of {$350.00}. While on the phone with XXXX XXXX, we conferenced in XXXX XXXX, and the matter has been closed out.
I have received harassment email from XXXX XXXX. He was on the phone with XXXX XXXX. I have spoken with XXXX XXXX, and they have alerted him the matter is closed. This matter is closed and XXXX XXXX and CFPB should cease harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Experian to alert them that Boost was not capturing all of my XXXX monthly payments and it is not boosting my credit as promised. The costumer service rep said she would open a dispute to fix the issue. 

On XX/XX/2020 I received an alert on my phone prompting me to check my Experian account for updates. Instead of fixing the issue they removed the service completely from my account which directly cause my credit score to dropped 12 points and negatively impacted my credit with XXXX  and XXXX. 

I placed a called immediately call to get some help and answer. Instead all I have received are lies, misleadings promise of email sent to my inbox with link to fix the problem that never materialized. I was told by a supervisor name XXXX that no, he's not going to fix or help me and I should just delete it. He was extremely unprofessional, nasty, aggressive  and I was left feeling as if he enjoyed the destruction of my credit. 

Further more, why would Experian hire people that are not based in the USA that truly understand English and the importance of having and maintaining good credit. 

I called yesterday XX/XX/XXXX and spoke with yet another supervisor who lied and tried to blame it on my bank ( XXXX XXXX ). Help was never coming my way. The hurtful part is that I am looking at my year and a half deleted history that no one at Experian will put back in so my score can be boost. Again, I NEVER ASKED FOR IT TO BE REMOVED! 

The Experian Boost advertisements need to be pulled from airing on all platforms because it is a LIE! They put this narrative of help to people like myself as a tool to help your credit but it's a ploy to pull you in to force you to spend money and when you don't spend money with them they weaponized Boost against you and drop your score. And leave you to deal with nasty, rude, cruel unprofessional representatives. 

How truly disgusting can these people be? I have been doing the work to rebuild my credit and they LIED and ABUSE my naivety to their benefit so I am filing a complain and I trust you all take me very serious and hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX, XXXX, and Equifax XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Closed and Charged-Off Accounts Accounts : DEPT OF EDUCATIONXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the removal of the above-referenced closed and charged-off accounts from my credit report. These accounts are inaccurately and illegally reporting, and their continued presence on my credit file violates federal and state laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to ensure that only accurate, verifiable, and current information is reported on consumer credit reports. Reporting charged-off accounts or closed accounts without properly verifying the accuracy of the information, especially when no longer relevant or legally collectible, is a violation of this act. Additionally, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are prohibited from reporting incorrect or incomplete information.

Furthermore, under Maryland Commercial Law Code 14-202, it is unlawful to attempt to collect or report inaccurate or outdated information on a credit report. This includes closed and charged-off accounts that should have been updated or removed. 

I specifically request that the following accounts be immediately removed from my credit report : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been closed or charged off, and reporting them continues to harm my creditworthiness despite no valid, enforceable debt being associated with these accounts at this time. Their continued presence is inaccurate and misleading, violating my rights under the FCRA and Maryland state law. 

Please conduct an immediate investigation and remove these accounts from my credit file. Failure to comply with this request within 30 days will leave me no choice but to pursue legal action to protect my rights, including seeking remedies for damages and legal fees. 

I expect a written confirmation that these accounts have been removed and that no further negative reporting will be associated with them. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I want to start off by saying this is a awesome travel card if it wasnt for all the hoops and hurdles that you had to jump through. This all started out when I asked for a credit line increase I was told in a letter that I was approved for the increase about a week later looking on my account they had taken it back. Ok why I asked? After taking a hit on my credit report ( Hard inquiry ). No one could tell me why. So I after calling back several times someone finally told me that they didnt know why, It shows that I was approved but it didnt show why the decrease happened. but if I wanted to they could run my credit again. For another hit to my credit report ( HARD INQUIRY ) .... Just wanted to hear you right Ive been with this company for a while now, you can see that I pay this bill on time every month. so instead of you basing it ( Credit Increase ) on that alone you want to pull my credit again??? I would of been ok with not approving me but to approve and then unpprove me is wrong no call no email nothing come on CHASE This is unfair to not only me but to all consumers/customers
Product: Money transfer, virtual currency, or money service

Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company.
Product: Mortgage

On XXXX XXXX, 2016, I spoke with XXXX XXXX, a representative for LoanDepotXXXX, LLC, XXXX, CA XXXX. He asked several questions and request I send supporting documents to him via email. Also on XXXX XXXX, 2016, I paid from my credit card, {$290.00} for an appraisal which he says was a discount price from {$500.00} fee they normally charge. ( See receipt attached ). From that date till today, XXXX XXXX, 2016 they have asked for several documents including tax returns and I have not received my appraisal, follow up calls nor have they finalized the refinancing loan. They also took the liberty to call my homeowners insurance to inform them of an upcoming change.
Product: Credit reporting

SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments
Product: Debt collection

XX/XX/XXXX I was in the process of buying a home when it was brought to my attention that my score dropped over XXXX points! 

I contacted the company in reference to the debt and spoke with a manager to which the manager revealed to me that there was a case and desist or place on the collection company on XX/XX/XXXX. The manager realized it was clearly a violation and provided the email to the compliance department.

I don't own this debt as part of the court order when my house was sold through a petition to partition all debt for the home was submitted and paid prior to the house being sold! 

Now that I cant buy the house I wanted this has cost me thousands of dollars, the loss of the property I was trying to buy, and I have to start the whole home process again! 


Debt collection National Recovery Agency