23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my Experian account multiple times but the site is always unavailable to me. As a result, I have not been able to open an Experian account for years. I have been monitoring my Experian credit score using XXXX. 
I just saw on XXXX that Experian has an incorrect XXXX XXXX XXXX for me. I tried submitting a complaint to Experian and learned that an account ( which was not opened by me ) is open in Experian. 
In XXXX I used certified mail to send a full-file disclosure request to all 50 consumer reporting companies listed on the CFPB site. On XX/XX/XXXX, I used certified mail to send updated information to Experian, XXXX and XXXX This information included updating my phone number, because my XXXX fraud alerts were going to an incorrect phone number, and updating my mailing and residential address. I did not receive proper confirmation of my updates, or a full file disclosure, from Experian. 
DOCUMENTS AVAILABLE UPON REQUEST
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation.

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX has failed to update outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. 


Accounts Disputed but NOT resolved : OUTDATED ADDRESS- Experian has failed to remove outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. This is INACCURATE reporting. XXXX and XXXX only report my current address. 

Discover Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 
Discover and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX XXXX Acct : XXXX This account is INCOMPLETE- ( Missing : Payment History-XXXX XXXX  ) and marked Closed XX/XX/XXXX in Payment History- ( THIS ACCOUNT HAS BEEN CLOSED BY XXXXXXXX XXXX XXXX DUE TO INACTIVITY ) -THIS IS REPORTING IN ERROR Dispute-30 Day late reported in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In order for XXXX XXXX to treat this payment as late XXXX XXXX must mail the periodic statement 21 days prior to the due date which I did not receive. 

XXXX XXXX and XXXX failed to notify me in writing of this negative information on my credit report as stated in law above. 

XXXX XXXX Acct # XXXX Dispute 30 day late-reported XX/XX/XXXX, XXXX XXXXIn order for XXXX  XXXX to treat this payment as late XXXX XXXX  must mail the periodic statement 21 days prior to due date. Verify/Validate XXXX XXXX followed the law regarding reporting late payments XXXX XXXX and XXXX failed to notify in writing of this negative information on my credit report as stated in law above.
Product: Debt collection

On XX/XX/2022, XXXX was contacted and XXXX XXXX refused to provide proof to validate debts and refused to remove inaccurate, derogatory reports from credit bureau reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I called to set up service with XXXX. When they did not show up for appointment, I called and cancelled their service and set up service with XXXX XXXX XXXX instead. ( XXXX also lied about the speed and price they could offer for internet ) I was told account was cancelled and I owed nothing because they never came out to the home. In XXXX, I received 2 bills stating I owed money to XXXX. I called on both of those bills and was told account was closed and I owed nothing and to ignore the bill. 

In XXXX I received another bill from XXXX for {$51.00}. I called again, spoke to XXXX in billing and was told they forgot to cancel account but they would take care of it and we owed nothing. I was given this case # XXXX. 

Since XXXX, I have NOT received a single bill from XXXX or from their collection agency. I thought everything was fine until I see on XXXX XXXX that XXXX has sent the account to collections and they say that we owe them {$51.00} again. This is ridiculous! 

We have contacted them 3 times and was told every time that they closed our account and nothing was owed to them. We NEVER received services from them! We cancelled the account before it ever started.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with XXXX and Equifax on why these addresses that do not belong to me are reporting on my credit report. XXXX is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and Equifax is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.
Product: Vehicle loan or lease

XX/XX/XXXX  I reported incorrect credit reporting by Wells Fargo.
In   XXXX    The final payments requested were not loan payments but disputed fees not subject to credit reporting.
In response, rather than correcting the information the bank retaliated and posted new negative information causing a lower credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hard inquiries that I have no knowledge of XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXXl ( Bank XXXX XX/XX/XXXX XXXX Hard inquiries that I have no knowledge of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have applied for 0 % interest for XXXX XXXX XXXX months with Citi Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a credit score of XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX, all in the " very good '' range. All three banks approved credit cards with a 0 % interest rate with a credit line of {$3000.00}. I canceled the cards as soon as I received them because a credit line of {$3000.00} with my credit score is laughable. Seeing how all three of these banks were doing the same thing ( and nowhere in any material did it say the credit line would be so low ), the detective in me realized that this was a scam. You also get a hit on your credit report for applying for these scams.They are offering the 0 % to get customers, but then giving such a low credit line that limits their exposure regardless of what your credit score is. The ONLY bank I have tried that kept their promise was XXXX. The others seem to be in collusion with the same advertisements and credit limits. I would like this looked into.
Product: Payday loan, title loan, or personal loan

I borrowed {$950.00}. It was to be paid back on paydays through XX/XX/2018. They are still taking out money from my bank account and say they will continue through XXXX. I have already paid back almost {$2000.00}. I'm going to my bank to stop them from withdrawing any more funds. I don't want this to go against my credit. They should be stopped from charging interest such as this and misrepresenting repayment terms>
Product: Debt or credit management

I am in a credit card consolidation with discover it. They have yet to accept it. Yesterday they put a hold on my bank account taking the only money I had and charged my bank account for the whole amount I owe them. So my bank is sitting at negative {$8000.00}. This is an emergency. I work from home and thats all I have. Without this I cant work, without working XXXX cant take care of my kids and my newborn.
Product: Student loan

I received another call again today on XX/XX/XXXX by Navient by " XXXX '' from XXXX, which lasted 7 minutes. The first words were Navient is willing to lower your payments to XXXX each month. Can you do this? Again, for the 5th time this year, I explained to them I have no full-time job with full time health benefits. I explained to them also again, I provided them with the verified IDR from studentaid.gov in XX/XX/XXXX, I uploaded to my Navient account in XX/XX/XXXX, I just uploaded this information again last week to my web account for proof, XX/XX/XXXX. I told XXXX, I paid off 2 private loans and 1 federal loan. I have an old XXXX car that needs major repairs, I can not drive it on the highway. I am making small payments. How can I make XXXX when nobody will give me a full-time job? If you want XXXX or more each month I am going to have to XXXX for Navient. Nobody will give me a full-time job for I can afford that amount ongoing each month. XXXX from Navient hung up the phone. In other words, they gave me no other option, but wanted at least XXXX each month. I asked him to help me get a full-time job. I am desperate to get a job for I can pay for my loans. I want to work a full-time job.
Product: Mortgage

I've requested the XXXX  Removal Request form now 3 times. Twice over the phone on XX/XX/XXXX and XX/XX/XXXX and again via email on XX/XX/XXXX. I have not received it to date. The form is not accessible through the website or customer sign in portal.
Product: Credit reporting or other personal consumer reports

TransUnion they completely had me confused with someone else. They said they fixed the problem but I don't know that for a fact! I am very displeased with their customer service and then trying to login to my account and they suspended me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with XXXX, Equifax, and XXXX They refuse to remove personal information that does not belong to me.
Product: Credit card

In XX/XX/XXXX, I has used a Citi bank credit balance transfer check I received in the mail to pay off a certain amount on my XXXX balance, due to a lower interest rate incentive. That check was written as a larger amount than my credit line was, so it bounced back. I did it again, taking now into account the fees involved with Citi bank & then I had a balance with Citi bank. However, that amount was not taken from XXXX 's credit balance. So now I am responsible for paying two banks for the same amount. I tried to work this out with Citi starting in XXXX or XXXX. I was told that asking for a card, that I haven't received to this day, stopped the check somehow. Even though the balance was still at Citi. I was told to call XXXX to give them authority to speak to Citi bank. Then Citi should reach out. Then I called XXXX who said that I have to be on the phone with Citi bank at the same time to give authority. Then I called Citi back and told them. Citi said that a conference call was not necessary and to let them know about a missing check. I called XXXX who then said that an investigation should be done at Citi bank. In XXXX, Citi was said to have scratched the check since the balance hadn't left XXXX in the first place. Then, I got information that the investigation was on a check from XXXX, not XXXX? Then I was still responsible for late fees and interest fees for a balance that should not have been there to begin with. I paid an amount on XX/XX/XXXX just to show that I would and could pay, but was trying to figure out how to bring this problem to light since I work with a new agent every time and there is no consistent agent to help. Then, I get my statement in this month, and the check is back on the Citi bank balance. I call yesterday, XX/XX/XXXX, to ask about it and they are bouncing me between customer service, payment disputes, collections, security operations, and back to customer service because they have more access to see farther back into accounts, or see customer accounts in general. At the very beginning of the process, I asked for legal, and a man said he would transfer me there, but I was transferred to collections. I was also transferred to a financial hardship branch where this kind lady had the job to help people who had difficulties paying their credit balance, when I explained to her my situation, she pointed me to security ops because maybe they could help with this strange problem. No one knows what to do. The last person I talked to said it was because I hadn't made a payment in " XXXX days '', while when I spoke to someone earlier, they also have on record that I did make that payment in XXXX. 
Also, I tried to handle this in person, so I went to a Citi branch. They only handle checking and saving matters, not the credit part. So, it was back to the phone calls. 
I have bank statements that show the payment in XXXX, the check bouncing back, and the balance not being depleted at XXXX. I can not give you my card number since Citi has not sent me a card to this day. I give you guys my social security number and the last four digits of my account, and my security word, for you to find my account.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XXXX
Product: Checking or savings account

I was not informed at any time my debit card would be closing. They reported they sent a letter and an email. I dont believe I received either of those.
Product: Money transfer, virtual currency, or money service

I am writing to formally complain about the handling of my recent transaction involving XXXX car rental. I purchased a rental car through XXXX, and after canceling the trip, I received confirmation from both XXXX and XXXX that a refund was to be issued. 

Instead of processing my refund, Cash App deducted funds from XXXX car rental, resulting in a negative balance on my account. Moreover, despite my card being locked, multiple unauthorized transactions were processed from XXXX car rental. These actions have left me with an outstanding amount of approximately {$2000.00} that I am owed. Instead of fixing issue, cash app closed my account.
Product: Credit reporting

Sir/Madam : I made a dispute with Equifax on XXXX XXXX, 2016 in regards to a negative information reported by All Student loan Corporation on XXXX XXXX, 2016. It reported a decrease of my credit line. I do not have a credit line with this company. I have student loans that I consolidated with XXXX and another with XXXX ; both are on forbearance. I would like the negative reporting be strike out from my credit file on all XXXX credit reporting agencies : Equifax, XXXX and XXXX. I have attached XXXX documents : ( 1 ) negative credit report by XXXX XXXX XXXX XXXX ; ( 2 ) XXXX indicating forbearance status ; ( 3 ) XXXX showing forbearance status. I can be reached by email at XXXXXXXXXXXX. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/XXXX these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit card or prepaid card

Original complaint was case # XXXX and was handled by XXXX XXXX to my complete satisfaction - the problem is my payment date was changed when the card was re-instated - never noticed - When I started at XXXX we were paid once a month - since the XXXX 's all payments dates were the XXXX of each month - so somewhere in the XXXX or XXXX month my payment ended being late - honestly I have no intention in paying a late fee or interest charges due the mix up - first my payment date needs to be moved back to the XXXX of each month - I believe my account is current without fees and charges added - would like to keep account active - Thanks XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I requested inquiries that I did not recognize on to report to be removed. I sent a letter out my letter over 30 days ago and I have not received any update from the company. Below I put all the inquiries that I do not recognize. I hope this resolves my issue XXXX ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX  Date of inquiry : XXXX XXXX ) Date of inquiry : XX/XX/XXXX I would like these to be removed from my credit report asap! 
XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, On XX/XX/2020 I got a message from XXXX XXXX about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my XXXX, XXXX and experian. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from Trans Union or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute inaccurate information on my credit file with TransUnion. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. Each time I sent a dispute to TransUnion I have asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Furthermore, it has been well over 30 day since TransUnion has provide the results of the investigation. TransUnion 's total disregard for federal law has taken a toll on my life regarding my finical wellbeing and access to improve my credit worthiness.
Product: Mortgage

Due to several complaints regarding Champion aka Nationstar mortagage, and XXXX i have received documents from both companies. After reviewing the documents there are excessive red flags from different interest rates, loan amounts, to fraudulent signatures with different dates.