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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15

U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I submitted a dispute to both XXXX XXXX XXXX, as well as Experian that an account showing on my credit report was not mine. I informed both agencies that the account on my report did not belong to me, and was an account due to fraudulent activity. XXXX XXXX XXXX acknowledged this as fraud and removed it from my XXXX  credit report, but it still remains on Experian as " customer disputed, it has been verified as belonging to customer ''. I provided an FTC identity theft report, as well as a police report documenting the account as fraud, as well as a utility bill showing that I was not, and had not ever lived at the address that was on file for the fraudulent account, along with, y current lease and lease at that time. Additionally, I provided XXXX XXXX XXXX with an affidavit, and again the account remains on my Experian credit report. The FTC has stated that once creditors and the bureaus have been notified of a fraudulent account and been provided the appropriate documentation that the account can not be reported
Product: Student loan

I have contacted XXXX early XX/XX/XXXX, and have filed a complaint that the account does not belong to me. Nothing has been done to remove the account. Today XX/XX/XXXX have contacted the Department of Education, and Nelnet, the account servicer, and they have told me that they have no record of any kind associated with my social security. Nelnet did give me a website, https : //www.nslds.ed.gov. When I made contact they also could not find any account associated with my social security.
Product: Checking or savings account

Hello, i opened my account with Chime.com on XX/XX/XXXX. I deposited {$5000.00} into the account. However, my circumstances changed and i closed the account on XX/XX/XXXX. At the time of closing, i was told that i will get my check in 3-4 weeks - while this is very unusual, I had no choice but agree to it. I did not get my check by XX/XX/XXXX. I've sent multiple emails to customer service plus discussed on the phone - I keep being told everything is being expedited, but I still dont have my funds as of XX/XX/XXXX. To add, I don't understand what else i can do as my numerous emails and calls are ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 

Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
The creditor agreed to remove this account from my file. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report.

Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CHECK INTO CASH Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, my issue is related to Experian credit bureau and Experian online website serviced at : usa.experian.com I have access to their free credit report and have had this for quite some time, over 3 years easily. Access to their website and my report has never been an issue and I have never paid for any access to it. I recently ( XX/XX/2022 ) found that Experian had been deducting a payment of {$9.00} from a card they have on their file and had done this until I stopped it this month. I asked how this was even possible, since I did not ask for a paid subscription at any time. I could not be given an answer. I was told I could dispute the charge with the bank, which was paying the bill, but that makes no sense. The charge was initiated by Experian and it was Experian that enrolled me in their service. I didn't ask for this at all, so my dispute is not with the bank but with Experian. It sounded like a buck passing so I decided to get Infront of the issue and contact the CFPB because I'd like to get my money back. As I have stated prior, I have used Experian for many years for free, and did not need any paid access to anything, financial or otherwise and so it is my belief that I was fraudulently enrolled in a service and billed sight unseen. I do not think this is correct for a company to do. I am asking for assistance based on this issue.
Product: Credit reporting or other personal consumer reports

I originally filed a complaint, XXXX, that required the Experian company to do their due diligence on 2 items. Well instead of doing the actual proper steps they now completely deleted a creditor XXXX which I have GOOD STANDING, rather than just update the wrong 30 day late status ( I have provided proof from that creditor that is the case ). Secondly, they updated the XXXX instead of deleting which I have also provided ample documents as to why it should be REMOVED!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent a request to all three credit bureaus after receiving alerts of a data breach to send all documents with my signature to verify accounts were mine. I never received any documentation and items are still being reported.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a phone call on XX/XX/XXXX from a Navient agnet stating there was a payment due on my account. I used my debit card number to make the payment with the agent on XX/XX/XXXX at XXXX CST. I have continued to receive calls the next day seeking payment. The calls were received on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I called Navient and spoke with an agent on XX/XX/XXXX at XXXX. I was advised that he could see the payment on the account but that I would still receive calls. He advised there was no way to flag the account to prevent calls. I still continue to receive call after speaking with the agent. The most recent call was received on XX/XX/XXXX at XXXX.
Product: Mortgage

On XX/XX/XXXX I made my mortgage payment as normal. Im in a hardship plan with Freedom Mortgage. I was charged double for this payment. Freedom mortgage refused to stop these payments and instead directed me to stop the charges with my bank.

Since then my account has not been reflecting the current values correctly. It does not show Im in a loss mitigation plan and says I havent made a payment since XX/XX/XXXX however Ive made my hardship adjusted payments since the trial was established. In my account history it shows Ive made those payment. 

Ive contacted them at least 4 times where Ive been hung up on, transferred to XXXX and told that they dont know the issue and that I will have to call my payment in. Theres currently no method for me to make my regularly scheduled payment with my loss mitigation plan other than calling them. 

This is my last payment of my trial plan and I havent received any follow up from freedom mortgage regarding a permanent plan or any action to go forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Resident typePost office box THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

This complaint is on behalf of my mom who has agreed that i can speak on her behalf. Champion Mortgage Company brought her loan. She had paid the taxes on her home for 30 years including the years she had the reverse mortgage. Her loan number is XXXX. She lives at XXXX XXXX  XXXX XXXX and is XXXX  years of age. Her name is XXXX XXXX, i am her daughter, XXXX XXXX. She continues to get calls saying she has to retrieve money from XXXX XXXX that they paid on the taxes that she had already paid in the amount of {$730.00}. She has the receipt of payment from her bank statements that the money was accepted. We don't feel she should have to retrieve. We have spoken with several individuals with on different dates who say something different. We need to resolve this issue and my mom can continue to live in peace in her home and pay her taxes on her own and they need to own up the original agreement on this loan. Their address is XXXX is XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

XXXX XXXX - Email : XXXX - Phone : XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Collection Bureau of America 1 )  continues to attempt to collect debt that was paid in full to the original creditor, and 2 ) refuses to expunge negative mark on my credit record.     Original debt was in amount of {$550.00} for ambulance services, and was paid in full to the City of  XXXX   XXXX  ( honored cheque attached. ) I spoke with  XXXX  @  Collection Bureau of America  on  XXXX     XXXX    2017   , provided the evidence of payment, and no action has been taken on their part since.
Product: Credit card or prepaid card

I was a customer of American Express for over 30 years. In XX/XX/XXXX, I encountered a problem with a prepaid rental car reservation through a 3rd party vendor ( XXXX ) that was unfulfilled by XXXX. This reservation was paid in full in XX/XX/XXXX on my American Express card in the amount of {$290.00}. The rental period was to have begun XX/XX/XXXX, but when we want to pick up the car, there were no cars available. Since my contract was with XXXX, I tried to obtain a refund from them, but they refused. I immediately filed a dispute with American Express and uploaded all relevant documents. I should mention that, in addition, I also incurred {$280.00} in alternate transportation expenses. American Express was very polite and said they " had my back, '' but they ultimately denied my dispute, siding with rentalcars.com, who falsely claimed I was a " no-show. '' The dispute process dragged on for almost 2 months. I became so frustrated with American Express, that on XX/XX/XXXX, I called to cancel my account. My call was routed to an automated system, and although I would have preferred to speak with an agent, no human took my call. The automated system indicated I would receive a {$100.00} credit for the unused portion of my annual membership card fee. Shortly thereafter, I called American Express to demand a full refund of the {$250.00} annual fee, as their customer service was so deplorably lacking. They opened an inquiry, but no outcome was communicated to me, and at a minimum, I never received the {$100.00} pro-rated credit as indicated by the automated system. After repeated phone calls to follow up with American Express, I was told conflicting outcomes : That I would receive the full {$250.00} as well as {$0.00} credit. In reality, I finally ascertained that I would not be receiving a credit for any portion of the {$250.00} membership fee. On XX/XX/XXXX, I spoke with an agent who suggested that I reinstate my card and use it for the remaining 4 months of the membership period. I realized this might be the most practical solution under the circumstances, and requested that my card be reinstated, but the agent was unable to do so, indicating that I would, in fact, have to apply for a new card. This likely would have required the payment of another membership fee, which I certainly would not do. Therefore I am out of pocket {$830.00}, not to mention the many hours I spent between XX/XX/XXXX and XX/XX/XXXX trying to resolve these compounding issues, which were all resolved in favor of American Express and their vendors. At the same time, they continued to assure me that they " had my back, '' which couldn't be further from the truth. American Express is clearly profiting by misleading their customers, to their financial advantage.
Product: Credit card

In XX/XX/2015, I applied for a Chase Slate Credit Card with a promotional offer that would help me improve my credit. The offer was a balance transfer offer. After applying i received a letter from chase that was dated XX/XX/2015. This letter stated that they had received my request for a balance transfer and would transfer the approved amount to the identified account. The account that was identified was the INCORRECT account.The letter advised me that if it was the wrong account or i wanted to cancel the balance transfer that i should notify them by calling XXXX before XX/XX/2015. Upon noticing that they had identified the wrong account I immediately called and requested that they NOT transfer that money into that account and gave them the correct account. Without any regards to my request and complying with their letter, CHASE continued and transferred the monies into the account. I have notified Chase over XXXX times over the phone and have spoken to Credit Customer Supervisors more than XXXX times. I have been given the same story that it would take up to 30 days to process any resolution to this matter. It has been well over 30 days and i have note received any resolution to this issue. Chase has continued to fail to contact me with any solution to their negligence in depositing the money into the wrong account. The option to " UPDATE '' or 'CANCEL '' the balance transfer has been ignored after we complied with there letter and have made repeated attempts to have them correct their mistake. Meanwhile chase has begun to receive payment on an balance transfer that was erroneously deposited into the wrong account and has done nothing to correct the issue. I have now inherited another payment to a XXXX that i did not want the payment going to. The intended Chase offer was to transfer a card with a higher interest rate and a balance that would be covered by their card. Chase chose to pay into a account that would not be covered by the credit extended. Thus creating another debt / bill for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my XXXX XXXX.