23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi there, Please help me! I am trying desperately to get accurate information on my XXXX! I am paying almost XXXX USD a year, I can never talk to someone and no one does anything, to resolve this issue! I have the feeling to be ripped off every of XXXX USD and nothing is done! 
I have filed XXXX business disputes, I have sent all legal documents to help resolve this issue. And nothing is done, as they keep on reporting completely wrong information, they are mixing our XXXX with an XXXX which has nothing to do with us! 
I have attached XXXX of the last business dispute emailI am so frustrated and I am seriously thinking to press charges! 
Looking forward hearing from you! 
XXXX
Product: Credit reporting or other personal consumer reports

Its incredibly upsetting to find unauthorized inquiries on my credit report this evening without any explanation. I reviewed my report as I always do, and suddenly, there are errors that werent there before. I attempted to refresh my browser thinking it might be a temporary glitch, but the issues persist. XXXX very distressed and urge you to meticulously check the documents Ive submitted to resolve this matter promptly so I can put this behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! 

I send Experian a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. Experian has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and Experian obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. Experian is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with Experian has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that Experian has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX  because I feel I need additional help/ back up due to the fact that Experian continue to tried to bully and intimidate me.

15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
Product: Debt collection

I was a victim of identity theft and I've had multiple accounts opened in my name. I am working to get them removed from credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  HARD INQUIRIES DELETE SINCE IT DOES NOT BELONG TO ME
Product: Credit card

I recently discovered that my credit score had plummeted into the poor category. Upon reviewing my credit report, I was shocked to find overdue and late payments attributed to Comenity BankXXXX XXXX XXXX The problem? I never opened this account with them. I have not been to XXXXXXXX XXXX  in over a year and never opened an account. 

The account says it was opened in XX/XX/XXXX - no charges were made until XX/XX/XXXX. Then it says it was charged {$600.00} in XX/XX/XXXX which is the limit. Then more in XXXX, and more in XXXX leading to a huge total amount due of {$1900.00}. 

My husband and I underwent XXXX proceedings in XXXX, and since then, my only financial obligations have been my student loans. 

When I reached out to Comenity Bank, the customer representative 's attitude was less than helpful, bordering on accusatory. Despite my insistence that I never opened the account in question, they remained adamant that I had. Frustrated by their lack of assistance, I requested to be transferred to report the fraudulent activity, only to be left on hold for an exorbitant amount of time before ultimately hanging up. 

My next course of action is to escalate the matter further to ensure that this fraudulent activity is addressed appropriately and immediately. I have never received anything in the mail or a card for this account. I did not know about this situation until Thursday, XX/XX/XXXX.
Product: Credit card

They didnt provide exact reason why then they told me if I did not pay {$600.00} BEFORE MY DUE DATE they would decrease my credit limit.
Product: Credit reporting

I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies I.c and remex has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for BK chapter XXXX in XXXX, My credit report is showing incorrect information as " delinquency '' on accounts that are included in the Bankruptcy. 

I have Auto Loan that has been paid off and still showing as delinquent. 

I also have a Mortgage which I am paying on time and it shows as " delinquent '' I have called Experian and I was treated unfairly and after the call my credit score decrease about 40 points. 

Rebuilding my credit is getting hard due to Experian 's reporting. I don't know what else to do to fix this issue
Product: Bank account or service

I filed a complaint with BBVA Compass bank regarding XXXX charges from XXXX for {$1500.00} and XXXX for {$360.00}. The disputes were denied. I provided 3 second opinion letters. Each letter were from business that I have a close relationship with and had done business with in the past. It is hard to obtain a second opinion letter from a merchant who as no know of your character or person. XXXX XXXX is a small town shop and their letter was not considered good enough because it wasnt on letterhead paper. BBVA Compass had not clear reason for denying my claim besides the small company did n't provide me with fancy letter head. 
All three second opinion letters advised that the vehicle in question was falsely advertised. My credit card information was given to the consumer by an unauthorized third party. The vehicle and repairs in questions were not warranted because the vehicle was not repairable and has several electrical problems. My credit card should have been deactivated and issued a new one and I should have been refunded. I have not been allowed the ability to appeal the decision. I have lost {$1800.00}, due to the mishandling of my dispute.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this follow-up regarding my initial complaint ( Reference Number : XXXX ) concerning the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and Equifaxs mishandling of the investigation. Equifaxs response dated XX/XX/year>, claims that the account was verified as mine, yet evidence from XXXX XXXX shows that the account was subsequently removed from my credit report. This contradiction raises serious concerns about Equifaxs investigative practices, compliance with the Fair Credit Reporting Act ( FCRA ), and its overall business practices regarding dispute resolution. 

Key Issues : 1. Contradictory Verification and Removal : On XX/XX/year>, my XXXX XXXX report confirmed that the XXXX XXXX XXXX XXXX account was removed from my Equifax credit report. 
Equifaxs response to my initial complaint claims the account was verified as mine. Both statements can not be true, indicating flawed investigative practices. 
2. Violation of the FCRA ( 15 U.S.C. 1681i ) : Equifax failed to conduct a reasonable investigation of my dispute, as required by law. 
My initial complaint highlighted inconsistencies in balances, payment history, credit limits, and high credit amounts, yet these issues were not resolved. 
XXXX. Systemic Business Practice Failures : Equifaxs response reflects a systemic issue in how disputes are handled, including : Providing inaccurate or incomplete results of investigations. 
Failing to properly communicate with furnishers and consumers. 
Using automated or superficial methods that fail to meet the FCRAs reasonable investigation standard. 
Such practices harm not just me but potentially thousands of consumers, undermining trust in the credit reporting process.

4. Harm Caused : Equifaxs mishandling of my dispute caused harm to my credit score, resulting in denial of financial opportunities and emotional distress. 
These systemic practices jeopardize consumers rights to accurate credit reporting and fair treatment.
Product: Credit reporting or other personal consumer reports

To whom this may concern. I need the assistance of your department. Im having issues with either XXXX XXXX or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! 
Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! 
I was using Credit Karma as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted Credit Karma and was told that I have a thin file ( meaning I have no history ) and I need to contact the XXXX. Before I contacted XXXX XXXX  I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to XXXX login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. 
When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? 
This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! 
I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. 
I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. 
Ive included pics of my credit history thru XXXX ( credit view ) via XXXX or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. 
If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I cashed a check {$32000.00} that I got from government at the check center in California XXXX, the store didnt have enough cash so they gave me {$16000.00} money ordersXXXX I couldnt find all my money orders, I lost them then I submitted money order replacement request online on XX/XX/XXXX, sent in the receipt few days later to approved that I am the purchaser. I keep checking these money orders status they were outstanding not been cashed until XX/XX/XXXX, I added comments to my cases asked the update of my replacement request. XX/XX/XXXX I received email from the MoneyGram said no refund available for these money orders and cases are closed without give me any reason why. I checked the status of these money orders again said these money order needs further review, the MoneyGram didnt provide me the status of money order, either cashed or not. I am concerning they will just keep my money and trying to make up excuses not refund money to me. I contacted them they never give me details and tell me what happened and what I need to do to get my refund back. They just sent me very simple email cases closed no refund available for these money order. Please help me out I need my money back to pay my rent. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Debt collection

The representatives were very rude and telling me I 'm responsible for a debt from 9 years ago. Continuing to ask me you still owe the debt and it does n't matter how long ago it was
Product: Credit card or prepaid card

Bank of america promised me a 36 month 0 % via phone but sent me something else in the mail. spoke to rude supervisor XXXX out of New York XXXX and was told he was the highest I will ever speak to and I have called multiple times and I will not get anything. Very hostile employee. I was told in XX/XX/ that if I complained my credit card account will be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, AMERICA FIRST CREDIT U, is currently showing 30 days late on XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an XXXXXXXX XXXX credit card in the mail with a {$6500.00} limit ready to be used after I would call to verify the card, I did not request or sign up for this card I do not do any business with XXXX or XXXX and never have. I checked my credit inquiries and see there was a XXXX XXXX  inquiry done on XX/XX/XXXX that was not from me so I suspect fraud, it is marked as a hard inquiry and would like it off my credit especially since I have not has a hard inquiry since XXXX XXXX. I called the phone number on the card from XXXX  to close the account, the initial person on the phone after telling them I had suspected fraud was trying to convince me to keep the XXXXXXXX card and was telling me all about its benefits, I told them no thanks just close it, they quickly said ok and basically hung up on me, after another call later in the day yesterday XX/XX/XXXX I spoke to someone else to make sure it was closed and they said it was. The odd thing about the second call to XXXX since I have never done any business with them is they had asked to verify my mothers name to verify it was me on the phone, I gave them my mothers maiden and they said that was correct. I am not sure how they would have or know that since the only answer to that question I have ever given to is my other bank card, with XXXX XXXX XXXX XXXX and on my XXXX account I use for credit reports/taxes.
Product: Debt collection

I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. 

The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. 

XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # 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: Debt collection

I had already disputed this with the company telling them that i was incarcerated when this debt occured and i was not reponsible for it so im not paying for someone using my identity i felt the should of canceled it
Product: Mortgage

early XX/XX/XXXX we were told by loan depot rep XXXX XXXX that we were pre approved for a mtge and would close XX/XX/XXXX we did close mtge funded XX/XX/XXXX the new mtge docs said that the first payment was due XX/XX/XXXX. so we did not make our XX/XX/XXXX payment to our existing mtge company. on XX/XX/XXXX loan depot decided to defund the mortgage leaving us now 30 days behind on our mtge can they do this 3 companys were involved XXXX XXXX XXXX XXXX XXXX and home depot
Product: Credit card

I have been layed off I let them know I am not able to pay and they dont pause payment
Product: Credit reporting

Originally I had disputed a public record for a civil judgement with transunion that over XXXX was being reported as a civil judgement, I won my dispute and the public record. was removed, I then received a letter that it was being reinserted ; I tried to dispute it again as it shouldnt show at all as this case was dismissed with prejudiced and expunged.