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

I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared.

Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ...

Therefore, this account needs to be deleted.

Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Mortgage

In late XXXX of XX/XX/2020I started the process of refinancing my home. It took till the end of XXXX to finally close. During this process I was lied repeatedly to about closing costs. When it finally came to close they asked me to back date closing documents so i would be in what they said was a 3 day window of closing that it needed to be signed which I refused to do so they said they would have to change closing date which I was fine with. I got a call from the closing company at XXXX in the morning saying we where to close that day. Never even seen or signed any documents. There was additional undisclosed fees that Ive never seen as well. I talked to XXXX XXXX then boss whos first name was XXXX XXXX XXXX? XXXX. Earlier in XXXX complaining how long the process was taking and he offered Me {$500.00} for being what he called a 5 star customer. He said it would mail 10 days after closing. XXXX nor XXXX will return my calls. Ive been dealing with our local branch and they can not get anyone to call me regarding the matter either. 

I believe that US Bank tried to commit fraud by asking me to back date their documents. 

I have never received the {$500.00} I was promised which I now believe should be more since Ive had to spend my time dealing with all this. Im asking for {$2000.00} to also help compensate for fees that where not initially disclosed.
Product: Credit card or prepaid card

This bank is crazy and not fixing this issues or concerns I have everytime I apply for any credit card their system refuses to process my applications as everyone else how is this fair or legal this is discriminatory they refuse to help me when I complain tell me their is nothing that can be done and keep trying and I do but its the same I get letters in my mail with no credit report being used just internal response high risk source of application Im sick and tired of their stupid system and them not caring to do anything to help me or fix this problem I want a store card I cant have one a credir card with an airline I cant because their system wont process any of my applications this is not fair my credit is not even pulled or checked to see if I qualify this gets me so angry and their executive office does nothing to help horrible bank
Product: Debt collection

Had a debt collector contact me via mail on XX/XX/2021 stating that I owed < {$20.00} debt to XXXX XXXX XXXX XXXX ( XXXX  ). On XX/XX/2021 I called XXXX to find out why I was turned over to a debt collection agency when I have never received an invoice for the said amount, and have never been inside this building for services. XXXX said that since I went to the ER Now and had xrays performed, this is for the xrays. Even though I had already paid the ER Now invoice for xrays? I asked if I could pay the debt, and XXXX  informed me that there was nothing they could do about the debt. They said that they sent out 2 invoices, yet I have never received one.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Failure to Comply with the Fair Credit Reporting Act Your Name : XXXX XXXX Address : XXXX XXXX XXXX Email : XXXX Phone Number : XXXX XX/XX/XXXX To the Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) and engaging in deceptive practices related to my credit report. 

I have attempted to resolve disputes directly with Experian, but they have failed to conduct proper investigations and to correct inaccuracies on my credit report. Specifically, I believe Experian has violated the following sections of the FCRA : 15 USC 1681e ( b ) : Experian has failed to maintain reasonable procedures to ensure the accuracy of the information reported in my credit file, as evidenced by their failure to address the inaccuracies I have disputed multiple times. 
15 USC 1681s-2 : The information Experian reports regarding my credit is inaccurate, and the original furnishers have not been properly investigated or corrected, violating the accuracy requirements of the law.

15 USC 1681i ( 5 ) : Despite my multiple dispute letters, Experian has failed to properly investigate my claims within the 30-day period mandated by the FCRA, and they have failed to provide clear, written results regarding my disputes.

15 USC 1681c ( c ) : Negative information that should have been removed or updated according to the law remains on my credit report, adversely affecting my ability to access credit, housing, and employment. 

Additionally, I recently became aware of the CFPBs lawsuit against Experian for similar failures in their dispute investigation process, where Experian was accused of conducting sham investigations and failing to address consumer disputes properly. This recent development highlights the ongoing and systemic issues within Experians practices, and I believe my experience is part of this broader issue. 

I have attached copies of my dispute letters sent to Experian and their responses ( or lack thereof ), as well as my credit reports showing the inaccuracies. Despite my efforts, Experian has not complied with the FCRAs requirements, and the issues remain unresolved. 

I respectfully request that the CFPB investigate this matter and take the necessary steps to ensure that Experian complies with the law and corrects the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Listed are dispute dates and numbers Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX
Product: Credit reporting

Equifax credit bureau has reinserted an account that was previously deleted off of my credit report. I have disputed this account with XXXX XXXX XXXX in the past and it was removed/deleted from my credit report. I have disputed this account because they have not sent my documents to show that this account belongs to me. I have attached copies of my credit report showing that it was deleted showing a XXXX balance but then in XX/XX/XXXX Equifax allowed XXXX XXXX to report this account on my credit report again. I have disputed this account twice with Equifax and they have sent me a response that this account is proven to be mine. Equifax nor XXXX XXXX XXXX have sent me any information as requested to show this account belongs to me. I have not got any notices in regards to this account. I have obtained an attorney to dispute/investigate this account and by law the account should not be reporting a balance or negatively against me while in investigation. Please have Equifax remove this account from my credit report and correct the errors that have been placed on my credit report.
Product: Credit card or prepaid card

Since XX/XX/2022 I been having issues with apple Goldman Sachs credit card. I have spoken to managers, provided documents to the the company, filed many complaints, and now they have closed my accounts because " i broke the terms of agreement ''. I called apple, they told me my account " may not be re-opened ''. 

I am BEYOND XXXX my {$7500.00} credit limit is gone out the window, my credit took a hit, my account was closed, I keep getting emails I owe XXXX dollars to the bank. How can I owe when I been asking for proof, what I owe, how, much I owe, why my account was closed, I have been VERY patient with this company, but this is not acceptable.
Product: Credit card or prepaid card

I received a call from Capital one that a person tried to open a credit card in my name at at XXXX 's in XXXX NY and was denied. I live in DE and never applied for a credit card at all.
Product: Credit card or prepaid card

I feel like my life has been completely destroyed. Someone opened up a fraudulent credit card with DISCOVER in my name and accumulated all types of charges. I noticed the cards within my credit report in XX/XX/2018. I disputed the accounts and it was removed from my credit report after a thorough investigation. Now 4 months later the account has popped back up into my credit report from Discover Financial and dropped my credit score over 200 points. Ive disputed this account more than once and its been successfully removed and it continues to come back. I'm devastated right now. Contacting the FTC & CFPB was a last resort. PLEASE HELP ME GET THIS ISSUSE ALL CLEANED UP ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX Mortgage. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from XXXX XXXX and the alert said a Lender has requested a copy of your credit report. 
My current lender assured me this was not their inquiry as they no longer use XXXX XXXX. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX Mortgage come to find out XXXX doesnt work for them anymore he is now at Gateway Mortgage. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX Mortgage and used it to pull my credit through Gateway Mortgage. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report under the provisions of 15 USC XXXX ( a ) and FCRA XXXX ( b ). I am a victim of identity theft as a result of a data breach, and the following items on my credit report are fraudulent and unauthorized by me. 
Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7200.00} XXXX. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$510.00} Unauthorized Inquiries : XXXX. Creditor Name : XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the credit bureaus regarding an account that has been mistakenly or fraudulently associated with my personal information. ( XXXX XXXX XXXX - XXXX ) The account in question does not belong to me, and I have no knowledge of, nor did I authorize, the creation of this account. 

Despite my efforts to resolve the matter directly with the institution, XXXX, XXXX and Equifax has failed to properly investigate and ensure that everything on my credit profile is 100 % accurate. 
As a result, this unauthorized account is negatively impacting my credit report and causing significant distress. I am requesting the following actions be taken : Immediate investigation and removal of the incorrect account from my credit report.

Confirmation that the account has been fully resolved and removed from any records associated with me. 
Any other actions necessary to correct the situation. 
Please let me know if you need any further documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying it promptly. 

Thank you for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from Experian. This resulted a decrease in my credit score AGAIN by XXXX points on Experian. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX  even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.
Product: Debt collection

I had a transaction done with an individual through Venmo and she scammed me. We met at a garage sale and she wanted to buy my phone that I was selling and she paid me through Venmo. We never exchanged any contact information so I had no way to communicate with her afterward. She disputed the money after a week, so she received my phone and got back her money. Venmo is making me pay the XXXX back even though I don't have it. Since we didn't exchange contact info I don't have any screenshots of communication between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XX/XX/XXXX and XX/XX/XXXX in the mail around the XX/XX/XXXX, a credit report from XX/XX/XXXX and a letter from XX/XX/XXXX ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from Trans Union on XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To get Equifax to properly classify item below XX/XX/XXXX on my Equifax Credit profile. 
XXXX XXXX XXXX| xxxxx XXXX {$17000.00} 87 % Reported Balance Credit Utilization Now showing on my credit profile with them as a revolving account, to an installment account. Removing it from the revolving account classification once and for all. 

Equifax Im told has some Excuse or Rule that if the interest rate is below a certain percentage they classify it as a revolving account. Or at least that is the way I understood it. 

From XX/XX/XXXX thru XX/XX/XXXX My credit Union has had numerous conversations with them as well as a personal call from me and written communication to get them put it in its proper classification. It is destroying my credit utilization profile and ruining my chances at good credit. It is a fixed loan amount with a fixed monthly payment therefore meets the requirements of an installment account, as one of their supervisors revealed to me its obviously an installment account over the phone.

Both XXXX & XXXX are showing the account correctly. 

They did put the XXXX XXXX XXXX Account Now at {$17000.00} balance in its proper classification around XX/XX/XXXX but it only lasted a month and reappeared in XX/XX/XXXX. Unfortunately, I informed my Credit Union that the problem was solved at that time and they may have I fear, quit pursuing the fix. 

You would think with all the issues and breaches they ( Equifax ) have had they would endeavor to make themselves not only a little more consumer friendly but accurate. Still to date I have not received any of the services promised to me because of their data breach. But that is another story.
Product: Credit reporting or other personal consumer reports

I am writing to report three fraudulent credit inquiries on my report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. Thank you.
Product: Vehicle loan or lease

I financed a vehicle through XXXX XXXX with Westlake Financial Services. Months after the purchase, I had to make major repairs ( replace the engine ) and that has continued now for 2 years! Anyway, the truck was in an accident which took months to resolve. During which time, we had no choice but to repair our only vehicle. I contacted XXXX to ask how to sign over the insurance check to them to pay the loan balance in full. They went back and forth first telling me it is n't an issue, then calling and telling me I could n't use the check for that then calling back and saying I could, etc. Eventually I had a supervisor confirm that I could pay off the loan that way. Anyway, I received the check, endorsed my portion and mailed it to XXXX on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. At the end of XXXX XXXX called saying they never received that check. At THEIR behest, I contacted XXXX XXXX and requested a stop payment be placed on the check mailed around XXXX/XXXX/XXXX and a new check was issued on XXXX/XXXX/XXXX. I received that check, endorsed my portion again and mailed it via USPS priority mail. I have confirmation that the check was delivered to their lockbox in XXXX XXXX, CA on XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating that the account " has been paid in full ''. Today I received a voicemail that I returned to be told that the payment was not processed due to a " stop payment '' and that they are attempting to collect the balance owed. The stop payment was issued on a check that they INSISTED that they did n't receive!!! Now they 're adding fees to the balance that DOES NOT EXIST meaning that I owe even MORE money to them! Please help me! I am a " single '' ( currently engaged ) mom of a XXXX XXXX XXXX year old child as well as a " XXXX '' XXXX year old and this is my only transportation to WORK, the XXXX, XXXX, XXXX, XXXX, etc. I paid my loan in full AFTER confirming that I was allowed to do so in that manner! Please help me keep the vehicle that I RIGHTFULLY own! This is unethical at best! I live in XXXX and have also filed a complaint here but since the business is based out of California, I am filing here too. I just want the title to the piece of XXXX truck that I paid for even during the entire YEAR that it was broke down and I could n't drive it!! Also, I have a picture of the check before I mailed it, proof it was received, proof on my online account that the balance was paid in full as well as a letter dated XXXX/XXXX/XXXX with a mailing stamp of XXXX/XXXX/XXXX stating the balance was paid in full. I am currently waiting for proof from the insurance company that the check dated XXXX/XXXX/XXXX was cashed successfully! It should n't be THIS hard to pay your bill!!!!!!