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

Hello, About a week ago I signed up for Experian with my email address to check my credit. I found some errors that my X-wife had not rectified and corrected those. About a week later I received an email from Experian advising me that my email address had changed. It gave me a link to click to resolve the issue. I could not access my account because my X-wife had changed the email to hers. I tried to recover my username/ password using my SS # and DOB XXXX but again, this information is being sent to my X-wife 's email address. Needless to say I have zero contact with my X. 

I contacted three different phone numbers for Experian, but all were the same phone maze that would not connect me with a live person, but directed me back to the website to repeat the action noted above. I have had several email exchanges with Experian, but they keep sending me back to the website to repeat the same action noted above. 

I added fraud alert to my Experian account and gave them my money, but not sure that helped. I tried to add a freeze to my credit, but again, I don't know if that has been activated. 

I have also advised my lawyer. 

I just need someone from Experian to call me or actually help me recover my account.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Vehicle loan or lease

I just received my credit report and noticed unauthorized items that shouldnt be on my credit profile. The following below listed within my FTC report must be removed from my credit profile
Product: Credit reporting or other personal consumer reports

I am contacting XXXX XXXX and informed them that the information that they are reporting is unlawful. I asked them to remove. It is not my account nothing was done. 
XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Personal Loans {$220.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$220.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$1400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$220.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 6 Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX, VA XXXX XXXX Charged off as bad debt. Dispute resolved ; customer disagrees.
Product: Credit reporting or other personal consumer reports

Received an alert through credit karma. The company Mohela refused to remove the fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern. 

I have been advised to seek legal action against Old National Bank regarding the continued false reporting of a " outstanding charged off mortgage with a balance of $ XXXX and updated regularly so it keeps hitting my credit score since XXXX! '' This is against the CFPB and well as the FCRA rules and regulations. Additionally on both XXXX XXXX, XXXX and XXXX XXXX, XXXX I brought to the attention of XXXX XXXX that fact that ONB was reporting a foreclosure without the mention of our agreed " settlement agreement '' of which I have been paying on since XXXX. I have copies of those emails received by her for which nothing or no corrective actions were taken by ONB. I had no idea that ONB was reporting the delinquency of this notes full amount since XXXX! 

I will be speaking with an attorney this week to seek legal action against ONB as well as compensatory and punitive damages. This issue has greatly impacted my insurance rates and denial of several loan applications including but not limited to a recent refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inspite of many previous requests to XXXX, TransUnion, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction IN THE ATTACHMENT
Product: Mortgage

I am including backup paper work for CFPB confirmation # XXXX. I had to scan the paperwork and was not able to attach to this confirmation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction with the recent handling of my dispute case involving an error with transactions in my checking account. Despite assurances from your representative during a recorded call that my account would be credited within eight business days, I am now facing an unexpected and unwarranted account restriction. 
This action directly contradicts the federal law, specifically 12 CFR Section 205.11, which clearly mandates that customers should have full access to their funds during the investigation period. Additionally, Fifth Third Bank 's own policies emphasize compliance with all federal laws and guidelines, including 12 CFR Section 205.11. It is disheartening to experience a blatant violation of these regulations : Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act - Regulation E Error Resolution Procedures The financial institution may take up to 45 calendar days ( Section 205.11 ( c ) ( 2 ) ) to complete its investigation provided it : Provisionally credits the funds ( including interest, where applicable ) to the consumer 's account within the 10 business-day period ; Advises the consumer within 2 business days of the provisional crediting ; and Gives the consumer full use of the funds during the investigation. 
I am particularly troubled by the fact that this restriction has been imposed without proper justification or adherence to consumer rights protected under 12 CFR section 205.11 ( c ) ( 2 ). As a working professional with limited availability during banking hours, this situation has placed an undue burden on me, preventing access to essential funds and hindering my ability to manage financial matters promptly.
Product: Mortgage

I did a harp in 2010 because my son was in a bad accident and I had to take care of him and fell behind. I did a loan mod which was supposed to catch me up and get me back on track. Instead of my loan amount being XXXX it is now XXXX. I was given assistance from the government and my lender put XXXX dollars on my loan and I now owe XXXX. I have made consistent payments and need someone to look into this for me. I keep asking questions and I dont get any answers. This company was nationstar and was know for predictory lending! I need help to look into this for me please. 

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX
Product: Debt collection

Hi - I opened an account with American Credit Acceptance in XXXX.I got into a car crash In XX/XX/2020 which totaled my car. This is where everything began to go down hill with the company. 

XX/XX/2020 - Car Crash - reported to ACA car was totaled which was instructed by my car insurance company XXXX. 

- ACA - advised I should contact my gap insurance and warranty company and they would send all documentation to the GAP insurance company on ACAs behalf. ACA advised it would take about 7 business days on their end. 


XX/XX/XXXX - contacted Gap insurance and car insurance they advised they needed to wait on ACA to send over payment history and additional information specific to the car loan. 

XX/XX/XXXX contacted ACA they stated they were still in process of sending over information to GAP XX/XX/XXXX GAP insurance contacted me asking for the information from ACA required to complete the GAP process. Contacted ACA they stated they were still in process. 

XXXX XXXX insurance paid {$24000.00} - XXXX warranty Paid {$800.00} XXXX XXXX ( Gap Insurance ) - {$4700.00} Company did not update the information on my credit bureau which caused my credit to reflect late payments. 

I would like company to reflect accurate payment history. Thank you.
Product: Credit card

After being accepted for a Capital One credit card, with a XXXX XXXX limit, I used it to charge for about a month. No problems. Booked tickets and traveled to a foreign country. Again no problems ... For a few days. Then it stopped working. No notice, just stopped. App and account just showed " restricted. '' Called to get the restriction lifted, thinking they'd flagged a foreign charge as fraud ( with no way to tell them I'm traveling, they claim it's unnecessary ), and they want : copies of passport, birth certificate, SSN card, utility bill, and more, all while I'm traveling. Non-negotiable ; they can not accept anything except all those documents. Capital One was perfectly happy to strand me in a foreign country with no credit card because of impossible demands to reverify identity after already doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax requested a police report of my findings that were false on my credit report. The documents were faxed to the requested number and I in turn received a phone call confirming the documents were received. However, today the representative told me that they had never received any documents. This is the third attempt to resolve this matter with no success.
Product: Credit reporting or other personal consumer reports

I recently received a credit alert from Experian that my XXXX XXXX XXXX  XXXX  had been posted as XXXX  days past due. XXXX  days past due in XXXX XXXX XXXX  days in XXXX XXXX, XXXX  days in XX/XX/XXXX, and XXXX  days in XX/XX/XXXX. 

Over the summer, I missed payments in XXXX and XX/XX/XXXX. XXXX  days late in XXXX, XXXX  days late in XXXX. In XXXX, I reached out to XXXX XXXX and enrolled in a 6 month payment plan in order to get payments back of track. The plan was for {$10.00} a month, for 6 months. 

The first payment I made was XX/XX/XXXX of {$10.00} under the payment plan. I thought my account was on auto draft, but I received notice in the middle of XXXX that an XXXX payment was not received. I called XXXX XXXX on XX/XX/XXXX, paid the missed {$10.00} payment and the current due {$10.00} for XXXX. I was told that the missed XXXX payment removed me from the payment plan, and that it would be restarted once the XXXX payment posted. 

The payment posted, and I am back on the plan. However, the late payment status was still reported to Experian for XXXX  days in XXXX ( while on payment plan ), XXXX  days in XXXX ( could be accurate due to payment plan only starting in XXXX ), but payment was made on XX/XX/XXXX while due date was XX/XX/XXXX. My XXXX payment is not due until the XXXX. Do not agree or see how a late payment can be reported for XXXX when payment was made, and especially for XXXX when the payment due date is still 23 days away! 

I called PlXXXX XXXX XXXX XXXX tonight ( XX/XX/XXXX at XXXX EST ), and the supervisor I spoke with apologized for the reporting, but said nothing could be done because I missed a payment in XXXX. Even after trying to explain the details, her only response was that nothing could be done because a payment was missed in XXXX. Even if payments were 60 days late over the summer, and potentially 30 days late in XXXX, they were not concurrent, nor should a late payment be posted in XXXX when the due date is at the end of the month. 

Supervisor I spoke with at XXXX est on XX/XX/XXXX said there was nothing she could do, nor anything the company could do to fix the situation. All because " a payment was missed in XXXX ''. 

How can I get this error fixed on my credit reports, even if it's just the late payment status for a XXXX payment that is still 23 days away?
Product: Debt collection

Paid the bogus debt -- -requested refund -- creditor rejected my claim
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}
Product: Checking or savings account

My son was getting married on XX/XX/year>. My cousin, XXXX XXXX, was not able to attend the wedding, and sent a {$300.00} money order as a gift. On XX/XX/XXXX, I used the mobile app to deposit the money order to our joint savings account ( acct ending XXXX ). 

On XX/XX/XXXX, this deposit was rejected. 

I subsequently received a letter dated XX/XX/year> from BofA that my item was return unpaid. Along with this letter, was a duplicate copy of the money order with a note XXXX to XXXX. 

On XX/XX/XXXX, I went to my local branch to re-deposit the original money order since I still had it in my possession. The XXXXranch service representative discussed with me that in hindsight the money order should have been deposited via in person at the branch, rather than the mobile app. Even though I had a copy of the XX/XX/XXXX letter, and the refer to maker copy, neither the Branch Rep nor I, believed this was the correct document for re-depositing. Since I was in the process of making multiple deposits to my joint savings account with my husband ( account ending XXXX ), I asked that the money order be deposited to that savings account ( ending XXXX ). 

On XX/XX/XXXX, the item was returned as duplicate presentment, and I received another letter in the mail dated XX/XX/year>. 

On XX/XX/XXXX, I went back to my local branch with copies of both letters ( XX/XX/XXXX and XXXX ) to discuss my dilemma. Another XXXX service representative advised me that the proper practice that should have taken place on XX/XX/XXXX was to deposit the Refer to Maker note. As such, we used the XXXX to Maker note for deposit on XX/XX/XXXX. However, at this time I asked the deposit be made to my joint checking account ( account ending XXXX ) since I had upcoming bills to pay. 

On XX/XX/XXXX, unfortunately this too was rejected. 

I never received a formal letter stating the posting was rejected as I did for the prior two deposit attempts. It wasnt until around XXXX while reviewing my account activity that I noticed that the money order was rejected. At this time, I went back to my local branch to discuss the matter. 

The latter Branch Representative offered her assistance again and opened an investigation on my behalf. It is clear by the activity on my account ( collectively ) that the money order was never fully cleared, and the funds were not available for my use. Money orders should be treated as cash and the funds should have been made available to me.
Product: Debt collection

Paid account in full before canceling and received notice from XXXX account was paid in full. Turned over to collections and have gotten repeated phone calls at all times when I responded to them with documentation that account is paid and no money is due. I also instructed them not to call me and I would report them.
Product: Money transfer, virtual currency, or money service

I am very disappointed with BlockChain.com. 

I had opened an account with them years ago, but as I wanted to move to another XXXX, they started to display some disturbing power abuse. 

With various ( tech, non valid ) excuses, they locked my crypto, even even if by now finally most if that has been released. Only after more than a month did they agree they were wrong. 
Despite that conclusion, they are doing it again now. 
They still won't let me close my XXXX and move my remaining assets out. 
Despite my repeated reaching out to them/ to their support team. 

So, in XXXX  : - I can't get my money out to my ( validated! ) XXXX account ( the same account I bought crypto from ), - I can't trade it out either ( to where I went with my crypto after this dreadful experience ), - their support is not answering mails, ( unprofessional ) - crypto that I got from an Airdrop was unilaterally taken rom my account about 2 weeks ago ( theft ) In short : they are -again, for a 2nd time in a row- hijacking my crypto assets and non-cooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX XXXXXXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXXXXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.