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

This account was charged off on the following date : XX/XX/2022. Since then the date of last activity has been inconsistently updated. On TransUnion, the date last active is XX/XX/2022. On XXXX, the date last active is XX/XX/2022. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report : Account XXXX : XXXX XXXX  Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. I have disputed XXXX with Equifax, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. I also called XXXXXXXX XXXX XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX  XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XX/XX/XXXX and that is all the data they have from XXXX. The rep from XXXX XXXX told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XXXX XXXX rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through XXXX  XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/19 on either end.
Product: Debt collection

I am XXXX XXXX, filing a complaint about a collection attempt against me for {$4100.00} from Midland Credit Management for XXXX XXXXXXXX XXXX  Account for XXXX Account *I have never applied any credit card or credit application to XXXX or used XXXX in my lifetime. 

XXXX I read my credit report recently, I saw a late payment past due of XXXX, XXXX, XXXX days ++ According to that, I called XXXXXXXX XXXX XXXX and they asked about my life history, then they forwarded it to XXXX customers service and, after a long hold, the XXXX representative hung up the phone on me. And after a short period, I got the collection letter from Midland Credit Management. Then I contacted the MCM, and they asked me for a police report on this matter and from the local police department. 

I went to my local police precinct many times and asked for an Identity theft report. 

Finally, the XXXX XXXX asked me for a detailed account statement from the XXXX and XXXX XXXX and XXXX with details of the account. The police will not give any letter without details of an account for a collection letter.
Product: Debt collection

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
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Product: Mortgage

On XXXX Bank of America stated that I was not eligible for the Bank of America Capitalization Loan Modification Program due to income not meeting program eligibility. The income calculated by Bank of America was {$17000.00} per month. Bank of America calculated PITA to be {$65000.00} ( {$5400.00} per month ). Yearly income calculated with an income of {$17000.00} per month would be {$210000.00} which clearly would cover the costs. Why was I refused the modification? Did Bank of America error in their calculations?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX/XXXX XXXX # XXXX XXXX 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: Credit reporting or other personal consumer reports

I AM A VICTIM WHO HAS BEEN TRAUMATIZED BECAUSE OF MY SITUATION WITH XXXX XXXX. I I HAVE ATTACHED SUPPORTING DOCUMENTS TO SUPPORT MY FILE UNDER XXXX. PLEASE SEE ATTACHED TO REMOVE AND BLOCK FRAUDULENT ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Mortgage

We applied for a loan with Provident Funding in 2012. After doing the paperwork and supplying my email address, I started getting numerous spam emails. This was very unusual for me since I only use my email for business and utilities, and get usually rare spam. The only change I could remember was having the mortgage with Provident Funding. Over months and years the emails finally ceased. Now we just paid off our loan, and right on that day the emails have started again. There must be some connection with Provident Funding 's business practice, and we want this spam email to stop.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion regarding an account with FedChoice FCU that was previously deleted from my TransUnion credit report after I disputed it. However, the same account has since been re-reported without my consent or proper justification. 

I previously disputed this account, and after the dispute, it was deleted from my TransUnion credit report. 
Recently, I noticed that the same account was re-reported on my credit file, which appears to be an error. 
This re-reporting is negatively impacting my XXXX XXXX and financial standing. 
Neither TransUnion nor XXXX XXXX has provided any documentation from their investigation to prove ownership of the account or justify its re-reporting. 
I am requesting that the CFPB investigate this issue and ensure that XXXX XXXX provides clarity on the re-reporting of this account. Additionally, I am requesting the prompt deletion of this account from my credit report, as it is adversely affecting my credit rating.
Product: Student loan

My student loans are due for repayment but I can't reach Nelnet. They are my loan provider. I have tried calling numerous times and have been on hold from 1 hr 30 to 2 hrs and I get hung up on after being on hold all that time. I'm trying to arrange for repayment but the servicer is not cooperating. I'm not able to handle the issue on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I lost my debit card XX/XX/21 i notices the fraud charges XX/XX/21 i called the police and made a report. I called ways 2 go program and explained i lost the card and gave all transactions that were made. The lady who initially took the call said 2 out of 5 transactions can only be placed in disputes that day because the merchant hasnt collected the funds. It was over 800 in purchases. I called ways 2 go XX/XX/21 and checked on my claim they advised it was denied due to no proof of fraud activity. The card was used as credit in multiple stores using XXXX XXXX and XXXX dollars at a time. Ive never spent this amount ever at a liquor store and also Ive only used debit while having the card. They keep telling me i cant appeal or reopen my decision unless i have new information to provide. This is crazy i am unemployed and have bills to pay. I will get put out if i cant pay my rent. They are offering me no help and dont care to help
Product: Mortgage

On XX/XX/2021 my closing was set with Guarantee Rate and they sold ( forwarded ) my account to New bank XXXX and my first payment was sent to them on XX/XX/2021 and it was processed on XX/XX/2021. Gurantee rate said it would take 60 days for them to forward all the payments to XXXX XXXX but its been past 60 days and it still hasn't been forwarded to them. I called Guarantee Rate multiple times to file a complain and check the status of my account. I called them on, XX/XX/2021, XX/XX/2021, XX/XX/2021, and on XX/XX/2021 ; in all those phone calls no one was able to give me an answer and resolve my issue. They kept saying that someone will get back to me once they review my account but I haven't received anything from anyone. I also filed a complaint on XX/XX/2021 online and the case was assigned to XXXX XXXX, a servicing department and a email was sent to me which stated that someone will get back to me within 48 hours but its been more than 3 days and still no one has reached out to me. I also tried to email the customer service representative but it seems that she has ghosted me out and wont reply to me. I also checked with my XXXX XXXX  to see if they could cancel the payments from their end but they stated that Guarantee rate has already cashed the payments so there is nothing that could be done in their end. I would really appreciate it if someone could reach out to me and resolve my issue. 
Thank you!!!!!!!!!!
Product: Credit card or prepaid card

I have applied multiple with Capital One, online, and with an agent over the phone. While on the phone with the agent, he said this is strange your application gets denied without a credit pull. I notice the same issue when I apply online. I never see hard of soft pulls on my credit reports. Furthermore, My Walmart Card which was managed by XXXX until XX/XX/2019, and becoming Capital One account. This account always gets turned down for increases. I called for the second time today to get the Capital One version of the Walmart Card. The agent on the phone today said I was never issued a new card. I informed him that I have requested one before and never got one. I know it is illegal for Capitol One to blacklist people but I feel that this is what they are doing to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Mortgage

I requested for paper billing statement from specialized loan servicing customer care XXXX XXXX XXXX. 
Called on XX/XX/XXXX, XXXXXX/XX/XXXX 
Each time the customer care said they will send paper billing statement. But they were not sending. 
Till now I did not get any paper bill statement for XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent written communication SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the nationalcrediting reporting agencies on account number XXXX. On XX/XX/2020 XX/XX/2020 Isent written communication to SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO communication from SANTANDER CONSUMER USA. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing SANTANDER CONSUMER USA communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires SANTANDER CONSUMER USA to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. SANTANDER CONSUMER USA provided none of the above. SANTANDER CONSUMER USA continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentiallymakes them actionable by criminal complaint. SANTANTER CONSUMER USA has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from SANTANDER CONSUMER USA that they will not change the UNVERIFIED, INACCURATE, and INCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXXXXXX Dear CFPB Representatives, I am writing to file a formal complaint against EXPERIAN for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EXPERIAN failure to comply with the law. Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXX XXXX. 2. Require EXPERIAN to immediately and permanently delete the account from my credit report. 3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against EXPERIAN to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Experian are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.
Product: Mortgage

On XXXX XXXX, 2016, my client was approved for a loan modification thru Bank of America. It took a long time to get the modification, because my client was going thru a divorce at the time. The bank needed a copy of the XXXX and a quitclaim deed from the spouse to my client, so that the ex-spouse would not have to sign the modification documents or provide financial documents. Once we got all the documents to Bank of America, my client was approved for an FHA HAMP modification. When he received the trial modification offer, my client sent back the modification paperwork as requested by the bank in the envelope provided by Bank of America. He made his XXXX trial payments, XXXX, XXXX and XXXX and each was sent in early. On XXXX XXXX, 2016 he received a XXXX XXXX stating that he was denied the modification, because the bank did not receive " all the required signatures ''. My client was the only person who signed the modification papers due to the representation of the bank that the ex-wife would not need to sign if my client provided the XXXX and the quitclaim deed. This is totally unfair. We have been working this modification thru the attorney for Bank of America. At all times we were told that my client 's ex-wife would not need to sign any documents if we complied with the bank 's requirements of getting the couple divorced and the house put in the Husband 's name. The evidence to this agreement that they approved the modification without requiring the ex-wife 's financial documents and the bank 's requirement of providing the XXXX and quitclaim deed and numerous emails we have with the bank 's attorney. We tried to resolve this with BoA 's attorney but he is unable to provide assistance. My client has continued to make payments. Please help. There is no reason that this trial modification should not be made permanent.