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

My Credit Score was XXXX with Experian for a long time. 
I applied for there " Boost '' program and was dissatisfied with it. 
I cancelled the " Boost '' program and Experian reduced my Credit Score by XXXX Points. 
ZERO changes on my Credit Reports. Zero Debt, Zero new accounts ect. 
I appealed and Experian reinstated my XXXX score, XXXX points. 
This only lasted XXXXXXXX XXXX and again, reduced minus XXXX points. 
We have done this Three Times!
Product: Credit reporting or other personal consumer reports

The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Credit reporting or other personal consumer reports

The information was not mines they keep sending it the credit companies. Stuff keep coming up that's not mines.
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  {$520.00}, XXXX XXXX XXXX100.00}, XXXX XXXX XXXX {$40.00}, XXXX XXXX {$18000.00}, Kick Off Lending {$30.00}, XXXX XXXX XXXX {$53.00}. XXXX XXXX XXXX  {$1000.00}, XXXX XXXX XXXX  {$810.00}. 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 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 168c. ( 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 and crimes which antedates the 7 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

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian - Legal Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information My Credit Report Dear Experian XXXX Legal Department, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputes and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being reported :
Product: Credit reporting

After subscribing for some time to Equifax monitoring, I decided that the service was simply too expensive to continue. After logging in, and searching ENDLESSLY for a cancellation feature, I FINALLY found it by doing a website search. In order to cancel your account, you MUST call Equifax ... what a HASSLE!!! OK I called Equifax ... .navigated a confusing number of options on who to call. Called but was told I needed to go to another option, dialed back wasting more of my valuable time. I then waited on HOLD listening to bad music for nearly 15 minutes!!!!! After finally talking to the operator, they asked me all sorts of questions, in fact it was my feeling that they were trying to find a question that you may not remember from the sign up process ... ..totally needless in my opinion and unnecessarily simply to cancel an account. When I could not remember one of the numerous questions I thought they were not going to allow me to cancel. Luckily I had the name of my fictitious pet name written down!!! Then they started to ask me all sorts of never ending questions of why I wanted to cancel ... ..THEN ... they started to try to sell me on staying or subscribing to another product and telling me all of the negatives why I should not cancel. Finally I lost my patience and demanded that they just cancel the service. I felt bad for this person who is obviously trying to do their job, but this was just too much. 
Is it not bad enough that we the consumer MUST PAY to monitor ERRORS that they collect on our files? For the high cost that I must pay, there should be at least an EASY WAY to cancel your service. 
I believe that cancelling an account you are paying for should be EASILY ACCESSIBLE without going through their labyrinth to discourage people from actually completing the cancellation. 
I guarantee you that many people would have given up putting this off to another day, and that I believe is the intent of this ridiculous process.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX  XXXX # 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: Mortgage

I saw an advertisement for refinance a mortgage at 2.75 % and 2.82 % apr on XXXX. It had the number to call and when I called the number it said it was a XXXX number. The lady asked me what I needed and I told her about the ad and said that it was too good to be true. She said that it was a real rate from one of her partner companies and transferred me to XXXX XXXX  and the operator there said that it was not a real rate and tried to upsell me. I called XXXX XXXX  and told them that it is advertising false rates and the gentleman said he would pass it along. Even today thir XXXX and popup ads are advertising the same false rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

I applied for and was approved for a capital one secured XXXX XXXX  credit card with a required security deposit of XXXX dollars which I made using my checking account. Immediately after taking the XXXX from my checking account capital one sent me an email informing me that they have decided to deny my application with no mention of refunding nor sending back my XXXX security deposit. It has been XXXX weeks and I still have not received my security deposit to my checking account. Capital one denied my application yet still took the XXXX dollars from my checking account and has failed to refund my money as of XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ID was stolen and there were credit applications attempted that I did not authorize. I contacted LexisNexis so they could remove this information from my credit report to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan through a third party to replace windows in my home through Aqua Finance in 2021. The interest and the terms of the loan are extremely high and predatory. I have been paying this loan for over 3 years and the interest is astronomical. I called Aqua Finance a year ago to understand why I've been paying for so many years but my balance remains the same and their response is to pay more. I pay extra every month and still my loan remains the same. This should be illegal for Aqua Finance to take my hard earned money and it barely put a dent in my balance and the interest rate that they charge daily and their terms were never explained to me. I need my loan to be looked at and this extremely high interest rate to be adjusted. This is robbery.
Product: Bank account or service

Filed a claim with my bank for an unauthorized purchase and they filed the claim as a ATM withdraw why? No clue! And yet they denied my claim and took the money from me. I know 110 % I did not make this purchase. It 's Wells Fargo and they will not provide me with any proof of documentation about it. Ca n't even get ahold of there claims department. They are stealing money from me and lots of other people and I want to blast this all over the place. They take my money right befor XXXX so now I ca n't buy anybody gifts and they do n't care. Everyone says I am about to be out for XXXX. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. 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. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX  Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX
Product: Mortgage

XX/XX/24 I reached out to ConcordXXXX XXXX XXXX to request a deferment request as a result of a XXXX disaster which impacted the property. I have called 6 times since then and keep getting advised that they will follow up on it. I received an email stating the ticket was processed and closed but there is no decision on the request. I was just advised that now that the account is about 12 days late that when they get a response it may not be approved. Also, I would like to advise that based on the recommendation from the Company XXXX  that I obtained this loan they had me payoff an existing unsecured personal loan ( XXXX ) with the proceeds to provide another loan. I noticed I have an open XXXX lien for this account, but it should not be listed as such as the proceeds were used to pay off an existing unsecured loan by the agent.
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX, my husband and I both were getting several. Alls a day from Navient on our daughters student loan. They wanted immediate payment. Most of them were calls and hanging up. We only received XXXX message out of XXXX calls. I answered XXXX with them wanting immediate payment. I told her it was already paid. XXXX said oh I see it was paid XX/XX/XXXX, XXXX sorry! XXXX weeks sfter it was paid and they were calling XXXX, 5 times a day!
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX I XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed my XXXX account sometime between XX/XX/XXXX and XX/XX/XXXX, so my credit score went from XXXX to nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called Experian. They said to call XXXX to check the information on my XXXX account and report the account to Experian. Then, Experian will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why Experian is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my Experian credit report to verify that my XXXX account has been readded. My online Experian account at https : //usa.experian.com/ will not let me refresh my credit report without paying Experian {$24.00} a month. I called Experian and they said they would mail me my credit report. Since then, I still have not received my credit report. Why could they not just refresh my online Experian account 's credit report? I know Experian has the ability to instantly refresh my online Experian account credit report because they literally charge {$24.00} a month to do so. Instead, they are making me wait who knows how long for the credit report to come in the mail. Wait actually they refreshed my online Experian account credit report on XX/XX/XXXX, but it is still missing my XXXX account. They did not fix anything. Now they will just respond to this complaint with a generic copy and paste response telling me to contact Experian by phone to resolve this issue.
Product: Credit card

I have a hard inquiry on my credit report from Onemain Financial. I don't know this company and certainly never applied for a credit card with them. Additionally, I have no paperwork from this company and have no idea what information they have for me as a potential customer. I understand that they should have sent me information on any account for me that they might have. I have nothing to reference for the complaint. 

I am sending them a letter today regarding this issue. It's attached below. 

I want the hard inquiry removed and my credit score to reflect the change immediately.
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 : Office of Attorney General - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX. XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXt XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Unfortunately the full account numbers are not showing on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX sent me an email stating that my account was 19 days past due. During that time, I was also dealing with XXXX XXXX preparations. I submitted payment to XXXX on XX/XX/2024 which was not honored by my bank due to their inability to contact me because of the XXXX. I have had fraud on my external account and the bank was not sure whether or not to honor the payment. 

However, when I did receive information that the payment had an issue, I went into the system and reinitiated another payment to cover my car payment through XXXX. Instead of initiating the payment, the system had disconnected my account from the payments and did microdeposits instead stating that they would be verified within 2 to 3 days. The microdeposits were initiated on XX/XX/XXXX. I still had three days left before the end of the month to verify the deposits and get my car payment in before the month was over. 

According to XXXX 's email which is attached to this complaint, on XX/XX/XXXX my account was 19 days past due. Even with the payment issues, XXXX received payment on XX/XX/2024, which would've had my account at 29 days past due. 
However, XXXX reported my account over thirty days past due despite its system glitches, the fact that I was supposed to be in a XXXXXXXX XXXX  deferment and the fact that it didn't honor the communication or miscommunication about how many days past due I actually was. 

I have had this account with XXXX for 4 years and I have never been over 30 days late in the history of the account. I am requesting that this account be brought current based on the fact that there were system issues. 

Lastly, I was also supposed to be covered for XXXX XXXX  assistance which obviously I was not. XXXX deferred my payments for XXXX and XXXX instead of XXXX as requested.
Product: Credit reporting

Recently I was reviewing my most recent " TransUnion '' credit report when I noticed that it had incorrectly reported that I had at one time lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. '' I have NEVER physically nor legally lived at that address. When I called up " TransUnion '' to please " delete '' this Identity Theft false notation off my " TransUnion '' credit report, they completely refused to do so.