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

I have attempted to register several times in order to obtain my credit report. The original purpose was to unfreeze my account. There was no place to put in a pin. I tried registering with Experian. It appeared to work but then it would get this message " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience.Call us toll-free at XXXX '' I tried multiple time to get it to work. I called XX/XX/XXXX and 5th multiple times. It is just an automated response. You got around in circles until they hang up on you. I ask to talk to a representative it just circles through the menus. It will not understand " SYSTEM ERROR ''. It will not connect you to a human. It gives you a choice of automated reply or end the call. I chose automated reply and it hung up on me. There needs to be a better way to resolve this issue. 
I called XXXX and XXXX XXXX XXXX both gave the same results. How am I to verify my account? I was able to unfreeze my account over the phone. 
This credit bureau has always been an issue and the one I have had more difficulty when trying to obtain my credit report. I have not had this issue with the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments on my student loans are incorrectly reported for XX/XX/2017, XX/XX/2017, XX/XX/2017. I've already tried to dispute it with the company and creditor. I've sent in requested documents.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, nor who they spoke with at these companies and the information is still on my report.
Product: Credit card or prepaid card

XXXX This is the case number of my complaint that was closed, the company did resolve the issue but then turned around and charged me again with out an explanation, I am fixing to get a lawyer if this wont get resolved! 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency 120+ '' and it has been dampening my  credit score. I working hard to buy my wife and daughter a new house but the h ome loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was SYNCB report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to properly protect my credit report from fraudulent creditors, and they have failed to properly verify accounts that are being reported. 

I have disputed creditor XXXX XXXX 2 times for a fraudulent medical collection in the amount of {$1500.00}. 

Each time I disputed the collection the creditor failed to submit any supporting documents to Experian. Therefore the collection was removed from my credit report. 

However, the creditor waits a few months and then fraudulently reports the exact same collection to my Experian credit report. Experian is the only credit bureau that has repeatedly allowed this creditor to abuse my credit report with out obtaining the proper requested documents from the creditor to verify that I owe this debt. The creditor has not furnished any supporting documentation whatsoever, yet Experian allows for this collection to be on my credit report without properly verifying the accuracy. 

Creditor : XXXX XXXX XXXXT Address XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

Hello i filed for bankruptcy chapter XXXX and i was discharged so i called gateway one financial services and volunteer surrender the vehicle that was purchased XX/XX/2017 account number XXXX. This contract was between me and Gateway one and was discharged in my chapter XXXX. I never signed reaffirmation contract to continue paying the debt. Now im receiving this letter from Santander Consumer USA attempting to collect the debt when this debt was discharged. I never agreed no reaffirmation contract or clause and this is affecting my credit santander has put a derogatory remark and i would like this to be removed. I called there office provided case number and they said you're correct you have no legal obligation to this and i still see my credit being affected. I need santander to start doing business right and removed me from this account number and stop sending me mail. i never signed anything with santander. I called santander with the same issue over 7 times and they dont undertsand im protected by bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In 2010 entered into a Loan Modification Agreeemnt with Bank America who charged me {$17000.00} in fees and costs. This amount is grossly overcharged. I received a schedule of fees and costs for a for {$1900.00} from BofA. The Bank has overcharged me for the sum of {$15000.00}. Bof A has not responded to my numerous complaint and a Respa complaint. This matter is quite straight forward and relies on the Banks own documents. I have attached the documents and my most recent letter. I want the correct sum of {$15000.00} paid back to me via check.
Product: Debt collection

RE : PORTFOLIO RECOVERY / XXXX XXXX XXXX XXXX Acct : XXXX Dear Sir or Madam : I am continually being called on the telephone and have received letters concerning a debt that is not mine. I requested that CEASE and DESIST in their efforts to collect on the above referenced account. I am a victim of Identity theft, therefore the account is not mine. But Portfolio continues to call and harass me. I request that the CFPB demand that Portfolio CEASE and DESIST ALL collection activities. According to the practices and standards of the FTC FCRA and the FDPA. Portfolio has NOT verified this debt, which according to the FCRA is : You will see by the attached credit reports where there is NO XXXX XXXX XXXX  account. Portfolio claims to have documents proving this is my account, yet none of the documents had the following information that is required by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX intitate a dispute with Equifax over 3 months ago. I have sent several letters to Equifax to dispute this fraudulent account on Equifax. I am forced to make a compliant view of the CFPB due to Equifax not understanding that a consumer is the only one that can validate the debt Also, I was not notified to see if I wanted these accounts on my credit report before placing these items on my credit report. I have the right to privacy under 15 USC 1681. These accounts are defaming my character which is a violation of 15 USC 1692g. This company called Equifax is violating my rights as a consumer by keeping this fraudulent account on my credit report. These accounts are XXXX XXXX  is a violation according to 15 usc 1681 a ( 2 ) ( b ) and XXXX XXXX is a violation according to 15 USC 1681a3 ( a ) ( b ) ( c ). IF these account are not removed I will follow the next steps of my rights as a consumer.
Product: Debt collection

I received a letter dated XXXX informing that I owe them a debt. No proof that I owe the debt was provided only a claim.
Product: Mortgage

In response to a previous complaint Specialized Loan Servicing LLC stated they do not hold the loan, but in fact were just servicing the Loan for a 3rd party. The last Bank to hold the mortgage was XXXX XXXX. I wrote XXXX XXXX concerning the handling of the loan and I was advised by XXXX XXXX that they sold the Loan to Specialized Loan Servicing LLC on XX/XX/XXXX and that XXXX XXXX no longer has an interest in the Mortgage Loan. 

So the question is Who exactly holds the Mortgage Loan for XXXX XXXX. According to XXXX XXXX it was sold to Specialized Loan Servicing LLC, but Specialized Loan Servicing LLC states they are only Servicing the Loan for a 3rd party. WHO HOLDS THE MORTGAGE LOAN FOR XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX, Tx XXXX?? 

In response to a prior complaint, from XX/XX/XXXX, Specialized Loan Servicing LLC stated they would send an Amortization Schedule under separate cover to our mailing address, However it has been more than a month and we have not received the Schedule. Please provide the schedule as requested.
Product: Debt collection

I have disputed this account ( balance with Midland Credit Management ) for the past year and 1/2. I  explain to them I do not owe the amount listed. I have requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.
Product: Checking or savings account

On XX/XX/2022 @ XXXX I received a txt message from ( XXXX ) XXXX. Wells Fargo Fraud Alert- saying Did you attempt to do a wire transfer for the amount {$4500.00}? Reply Yes to authorize or reply no or 1 to decline transaction So I not knowing at all what was about to take place for the next two days I replied no. After they messaged me back Thank you for your confirmation Shortly after that I received a call from the same number. Stating Hello you are in the process of fraud. Someone has access to your account and wire transfers. We need to assist you on transferring your money to your new account. And mind you this entire time I am thinking that this is Wells Fargo on the phone. So after this we went through the process of transferring my money to my new account so I thought but no I was getting blindly robbed. Because I have never been through a account transferring process so I listened ever step and literally gave my money away. So after I realized What the XXXX that so called new account that the man on the phone made me was empty and my actual bank account was empty I knew there was something wrong. Immediately after I realized this witch was already FIVE DAYS LATER!!! I called Wells Fargo and complained telling them exactly what had happened. And now we are here TWENTY DAYS LATER!!!! On the XXXX of XXXX they just NOW get back to me saying they denied my claim based on what I told them on the phone they ARE ACCUSING ME, ME, the account holder, Of stealing my own money and taking part in the fraud. This is unheard of if I had taken place in this fraud!?! Why would I be filing a claim with Wells Fargo and filling a police report. If I had anything to do with this.
Product: Payday loan, title loan, or personal loan

I co-signed on a title loan with my nice and began making payments on a {$2500.00} loan. I am an XXXX XXXX veteran he finds himself in the hospital regularly. I took the loan out so that my niece who has my primary caregiver and I could relocate to a different area. I spent the first two and a half months in our new home in and out of the hospital. When things finally settle down I noticed a charge on my bank statement that I was unfamiliar with. It might have gone unnoticed by my niece because she was not familiar with my bank statement nor was she responsible. But automatic deduction for the car payment on my statement and right next to it was another electronic cash check for the same amount and if you were not really paying attention you would just think it was the same charge. you wouldn't realize that it was two separate charges. I immediately contacted my bank and attempted to contact the company that claims that I have a loan. They are check n go I also contacted fast auto loans where I actually did take a loan out so verify that that was not a sister company or parent company and that they were mistakenly double charging me and I was able to verify that they are not affiliated with that company at all. My bank, XXXX XXXX, found it to be fraud. But only reimbursed me 2 payments.I was in and out of the hospital for 12 weeks. My focus was on living. I am on a fixed income and I could really appreciate my money back. They stole it from me. Please help me
Product: Credit card

Throughout the history of this account, I have consistently maintained timely payments, preventing any instances of overdue payments. However, I find myself uncertain about the rationale behind the late payment remarks reported on my accounts. I refer to XXXX XXXX XXXX - Billing Error for necessary corrections.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

The obvious infractions are as follows : 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXXXXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to complain about the premature cancellation of my American Express Platinum Card ending in XXXX. I spoke to an account manager with the name of XXXX and the ID XXXX in XXXX, Florida on XXXX round XXXX XXXX EST. 

He closed my card without fully disclosing that the membership fee of XXXX XXXX  would not be reimbursed. I specifically asked him about that, but he already moved ahead without my consent. 

Because of the missing disclosure, I expect to receive a prorated refund of my annual card membership fee. Since it was only renewed on XX/XX/2023 this would be a value of XXXX XXXX. 

The account manager was not willing to escalate the case to a higher level of support to review the case nor did he offer any accommodation
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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: Money transfer, virtual currency, or money service

I sent XXXX the money was promised in minutes. Xe financial took the money. Then promptly sent me an email saying that my account has been banned. They didn't provide an explanation and stole my money.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$8700.00} XXXX XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Citi Secured Card Never reported to My Credit Report when its suppose to Help Build Credit Under the Fair Credit Reporting Act If A Company has A Agreement which states they will report to the bureaus They Must do so And This could fall under False Advertisement.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX - Date Opened XX/XX/XXXX