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

I recently looked at a copy of my credit report and I noticed that there were some things on my credit report I had no knowledge of also a few inaccuracies. I sent a dispute letter to all three credit bureaus ( Experian, XXXX, and XXXX ) I sent this letter more than 35 days ago and the credit bureaus have yet to respond. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Money transfer, virtual currency, or money service

There is a verified account with XXXX followers on XXXX  called XXXX XXXX and had good reviews about buying a XXXX. My boyfriend wanted one really bad so I messaged them for more information about it. After discussing information they gave me their Zelle to send {$550.00} to. After it was sent they stated I will get a confirmation number at 3 that day. It now becomes 6 and I keep messaging them to get no response. And now Im blocked. I call XXXX and they stated to contact zelle. Zelle tells me to contact chase. XXXX then says we cant do anything about it. Sorry for your loss. I have the messages and everything about the XXXX and name of the person and phone number but nothing they can do??? This all occurred XX/XX/XXXX. Would love if we could upload photos.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. 

I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. 

Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.
Product: Debt collection

I went to the hospital on XX/XX/2021 or so and I have dual insurance one with my job and the other with my wife. My insurance company contacted XXXX about the bill and ask therm to sent more info about the billing and they did not. I contacted my insurance provider to find out why it wasn't paid, and we told by my provider that they did not respond In a timely manner and that I am not responsible for this debt. I then ask for the EOB " Explanation of Benefits '' from my insurance company and i then sent it to Wakefield & Associates asking them to delete this off of collections & my credit report immediately.
Product: Student loan

I tried on several occasions to get on a reduced payment plan but they would n't accept anything less than {$150.00} plus even when I was homeless and only income was {$0.00}. The repeatedly told me that even if I had no income at all that {$150.00} was the minimum they could accept unless I was XXXX and even then I 'd still have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/Resurgent Cap is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
Product: Credit reporting or other personal consumer reports

My Identity has been stolen and several accounts have been opened in my name. I have submitted several disputes but these accounts are still on my report after I have submitted a police report and identity theft report.
Product: Credit reporting or other personal consumer reports

AFFRIM INC., XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I LOOKED ON XXXX XXXX AT ALL THREE OF ANNUAL CREDIT REPORT: XXXX XXXX XXXX  AND NOTICED SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING AGENCY PREPARE A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681(e)(b). AND ACCORDIN TOO 15 USC 1681 THEY ARE SUPPOSED TO DO THIS (5) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION (A) IN GENERAL, AFTER ANY REINVESTIGATION UNDER PARAGRAPH (1) OF ANY INFORMATIN DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CANNOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL- (i)PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPIATE, BASED ON RESULTS OF THE REINVESTIGATION; AND (ii)PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. AND ACCORDING TO 15 USC 1681s-2 THEY ARE SUPPOSED TO NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS RESONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> The following inquiries were not authorized and should not be reporting.
Product: Bank account or service

This submittal is associated with complaint # XXXX in that this is the bank my check was written against. I had made a mistake in writing a check ( # XXXX ) to the assisted care facility for my mother 's care. The figure amount was {$2000.00}, however, the written amount was " XXXX ''. Wells Fargo Bank credited my account for the abovementioned amount. When they received the actual check the discrepancy between the figure amount and the written amount should have raised a " Red Flag '' as to what is the correct amount to credit my account. Previous checks have been written against my account for the figure amount ( {$2000.00}, XXXX thru XXXX ). When I questioned the bank 's Branch Representative of why this check was not denied. I was informed that they go by the written amount and not the figure. This I believe to be improper business practice because it might render a customer account in an overdraft situation.
Product: Credit reporting or other personal consumer reports

I have had a Kohls charge card for 10 years, always in good standing. My most recent transaction was to pay off the {$41.00} balance, on XX/XX/year>. In XXXX Kohls was bought out by Capital One, and rather than transfer my Kohls account to the Capital One platform - they CLOSED my Kohls account, and then OPENED a new Capital One account - without my knowledge or permission for either. Both actions have negatively impacted my credit report and score. I was alerted to this because my credit score dropped from XXXX to XXXX, overnight. I am currently trying to buy a house, and this has had disastrous consequences. Also, XXXX XXXX supposedly sent me a new card for this new account- but I have never received it. I've attempted 3 times to call them to ask them to send me a card for this new account, but they will not. Currently they have my account 'Restricted " because of some alert to fraudulent activity that they will not discuss with me - and yet the account Restriction is also negatively impacting both my credit score and report. They won't discuss whatever fraud they're worried about - because I refuse to verify my identity by sending Capital One a photo of my state ID. I've never been asked for physical documents to verify on a phone call, and it seems very intrusive and phishy. They will not verify my identity by asking my security questions or providing my Security PIN, or confirming my full SSN or DOB, etc. I offered to provide all my past addresses or phone numbers, my mother 's maiden name, etc. - but they won't accept any of those as verification, in order to be able to discuss my account with me, or send me a physical card, so that I can use the account they opened for me without my permission. I should not have to provide a photo of a state ID to be able to access my own account which they are opening, closing, and restricting. They HAVE numerous other identifying pieces of information which can be used to verify my identity. It is unreasonable for me to have to provide yet more to gain access to my own account.
Product: Checking or savings account

On XX/XX/2020, I opened a promotional Chase checking and a Chase savings account with my local branch in XXXX OH. Since I have had accounts with Chase before and their were some stipulations on the promotion, the banker ( XXXX XXXX XXXX XXXX checked and assured me that I was qualified. She then entered my coupon and the accounts were open. Several weeks ago, I noticed that the promotional amount had not been deposited to the accounts. I checked with the bank branch, and they admitted that it was their error in opening the account ( due to a previous account having been active within the past two years ) and informed us that they would try to resolve the problem since it was their error. They were unable to make the required deposits and told me that they would elevate the problem. I was told that the supervisor of the bank manager ( XXXX XXXX   supervisor ) would contact me and on several occasions, the bank branch has not taken or returned my calls. I am very upset over the treatment I received over this. I was promised a resolution which has not occurred. I have invested XXXX in my accounts since XXXX, with XXXX cents of interest and no promotion. I have been a long time Chase customer and I am extremely disappointed over this treatment. I thought Chase was a large and reputable company, but unfortunately they have become unresponsive to this issue.
Product: Debt collection

Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.
Product: Debt collection

I have an apartment from ( XXXX XXXX ) debt in collections from XX/XX/2013 that really was not even a accurate debt o had an apartment that the lease was fulfilled but because I did not write a 30 day notice up leaving was charged with a balance. The owner didnt not properly contact me I was not aware that account was going into collections. Have yet to receive anything in writing. Account is 7 years old and I have asked for it to be removed.
Product: Credit card

In XX/XX/2024, I called to cancel my Citi XXXX XXXX XXXX card because I did not want to pay an annual fee when the card renewed. When I stated this to the agent, he informed me that they would waive the fee, but I would have to call back once it had been charged. Now that it has been charged, they are refusing to waive the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to Experian by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed immediately!
Product: Mortgage

In XX/XX/XXXX 2017 I inquired to my mortgage company, Cardinal Financial, on what I could do to drop my private mortgage insurance ( PMI ) as we had made several significant home improvements and market values had increased. 

Cardinal Financial sent me a letter on my options. Per my contract I needed to wait 2 years after the purchase of my home before requesting the removal of PMI unless significant home improvements were made - the letter clearly stated that if this was the case the 2 years would be waived. 

I then paid {$450.00} for a new appraisal. As market prices had increased in my area, and in that I had installed a new kitchen totally over XXXX XXXX, I felt I would easily be able to drop the unnecessary PMI. I owe $ XXXX on a house that is worth $ 420k+, thus making me eligible to drop the PMI ( over 20 % equity ) Cardinal Financial did not allow me to choose an appraiser, but rather chose the  appraiser themselves. The chosen appraiser came to the house and appraised the home using comps that were over a year old. Several easily documented comps with closer locations, similar square footage and newer sold timelines were disregarded, and many of the newer higher sold price comps did not have the kitchen upgrades that my home does. 

The appraisal came back at $ XXXX, approximately $ 14k below what is needed to drop the PMI. 

I called Cardinal Financial in mid-XXXX and explained that their appraisal seemed to be in " cahoots '' with them to maintain business, and low-balled our appraisal. I explained that there were several closer, newer, and better comps in the area to do a true price comparison. They continued to explain that I had n't waited 2 years to try to drop PMI, even though I explained to them the conditions from there PMI packet they sent me. 

They had someone named XXXX XXXX call me in mid XXXX. I was unavailable at that time, but I called back and left 3 or 4 messages with XXXX in the meantime. He has not returned my call and no action has been taken. 

Cardinal Financial chose the appraiser ( even though I paid for it ), and the appraiser wanting to continue the business relationship with Cardinal Financial, low-balled the appraisal so that I could not drop the PMI, which is also a business partner of Cardinal Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX  in XX/XX/XXXX ally financial was the creditor I ended up filing bankruptcy and had it discharged in XX/XX/XXXX. But I reaffirmed the XXXX XXXX XXXX I made all the monthly payments and even paid it off early in XX/XX/XXXX and returned truck to the dealership. Now Ally Financial has put on all three of my credit reports under " REMARKS '' that this debt was a chapter XXXX bankruptcy. i explained numerous times and even sent e-mails to a woman named XXXX that works for Ally in the customer relations department that this information is inaccurate. I have recorded conversations of her refusing to change it. She says its up to the credit reporting agencies to correct it. 
This is a violation of the ( FCRA ) If Ally refuses to correct the FALSE & NEGATIVE information on my credit reports I would like have file a lawsuit for actual damages, punitive damages, attorney 's fees and cost. This WILLFUL VIOLATION is intentional It has caused financial problems and causing me emotional stress. I hoping that Ally Financial will correct this information before legal action is necessary. 
IF A CONSUMER REAFFIRMS A DEBT THE CREDITOR IS OBLIGATED TO TREAT IT AS NO BANKRUPTCY HAS EVER A CURED.
Product: Credit reporting or other personal consumer reports

As I was going through my credit profile I noticed I had some inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

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

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with TransUnion, XXXX and now XXXX for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from XXXX previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on XXXX and TransUnion are not on XXXX, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 or other personal consumer reports

All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.