23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was not allowed to talk to a person before I lost my home to foreclosure. However they sold my account to Selene Financial after the fact my home was auctioned off and after the fact that the new owner was awarded the land. However I tried several times to talk to someone to assist me with modification or other options. They also failed to comply and go by state of North Carolinas regulations and guidelines by the state and Covid-19. Also I received no response to the assigned manager over my account on 2 different times that I had reached out to resolve the matter. And when I did get to finally speak to a actual person then I was told it was to late to do anything being my home would be auctioned in 3 days. However they could of made it possible I know and I have read up on this myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified dispute letters to Americollect, XXXX, and XXXX  with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX  and XXXX credit reports. Americollect is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after Americollect, XXXX, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my XXXX credit report it shows that Americollect is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that Americollect, XXXX, and XXXX  be investigated and that the Americollect account be deleted from all of the credit bureaus and from my credit reports.
Product: Student loan

I co-signed on a loan for my spouse as she completed her XXXX XXXX degree. She graduated and 4 months later enrolled in her XXXX degree program ( XXXX ) which she is currently enrolled XXXX. The XXXX loan issuer ( Firstmark/Nelnet ) has demanded repayment of the loans while she is enrolled in her XXXX XXXX program despite their website stating that full time enrollment qualifies for deferment. They are threatening collections, credit bureau reporting, and other scary actions. We have attempted to work with them and provided documentation of her full time XXXX program but they have rejected this. We are unsure what to do and have nowhere to turn for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.
Product: Credit reporting

In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX XXXX  - XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX - {$1000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit card or prepaid card

On XXXX XXXX, 2022 Bank of America obtained a copy of my XXXX credit report with a hard pull. 

There is an extended XXXX years fraud alert on my credit report. The extended fraud alert on my credit report includes a phone number for potential creditors to contact me to verify the legitimacy of credit requests. 

Bank of America did not call me regarding its inquiry into my credit report. Bank of America did not reach out by mail to verify that I had either made any request for credit of any type or provided authorization to access my credit file. 

I do not currently, nor did I at the time of this incident, have any type of credit, banking, or loan account with Bank of America. 

Not only did Bank of America have no clear cause or reason to access my credit file without my permission, but it failed to act appropriately, reasonably, or responsibly when it dishonored the extended fraud alert on my credit report by making no effort to verify that I had authorized its hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to get a credit card in my name that i didnt apply for and is showing up in my hard inquiries. US Bancorp on XX/XX/2021. Also another one from XXXX XXXX XXXX in 2021.
Product: Debt collection

Greetings, Ive been contacted my XXXX XXXX XXXX XXXX The creditor is PayPal , inc. Reference # XXXX, account # XXXX with an account balance of XXXX XXXX Since PayPal is connected with venmo, they have taken money out of that account to fund missing balance on my venmo. Seems they never took that into account and claim I still owe these XXXX. On XX/XX/XXXX within my account was taken XXXX $ for account recovery from PayPal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Debt collection

Focus Recovery Solutions : never notified of the debt. Was notified of amount owed by DR office in XXXX paid directly to DR office in XX/XX/2019 was placed on my Credit Report by FRC on  XX/XX/XXXX in the amount of {$350.00}.
Product: Checking or savings account

Citibank IRU team 's Negligence on my appeal for a XXXX XXXX Fraud-Denied claim The incident happened on XX/XX/XXXX. I received the first denial response from the investigator called XXXX on XXXX XXXX. With the help of a XXXX translator, I have requested to start an appeal on XXXX XXXX. However, when I called back on XX/XX/XXXX, IRU team said it was a closed case, XXXX didn't start the appeal and no investigator was working on my case!!! So I requested again to start an appeal on XX/XX/XXXX, and wait for a response within XXXX days. Afterwards, I called in to request an update on XX/XX/XXXX. IRU team ( XXXX XXXX ) can't give me the name of my new investigator. I called again on XX/XX/XXXX. IRU team ( XXXX XXXX told me that XXXX XXXX had just reopened my case on XX/XX/XXXX and still waiting for a new investigator to review my claim for 30 to 60 days!! It is so obvious that they have done nothing for my appeal between XX/XX/XXXX till now!! They ignored my appeal request and no investigator cares about reviewing my case ( {$89000.00} ) It showed me how horrible the way Citibank is lying and ignoring my request of appeal!!! They don't provide me with reasonable care and protection when I reported to them promptly for the fraud!! They have ignored my appeal request for 3 times up to now on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX. Until today, there is no XXXX NO PROGRESS in reviewing my claim!!!! Citibank doesn't provide customer protection and reasonable care when we need them!!! 
Please make a move, change and help me!! Help me to stop the fraud and refund my MONEY ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a stall out letter saying that they couldn't find my credit file when I sent in my two supported documents with my dispute letter. But I disputed an account that they furnished into my consumer report without my consent. They are in violation of USC1681b and those accounts need to be removed. In my letter I asked forA CONTRACT WITH ME AND EQUIFAX SHOWING THAT I GRANTED THEM PERMISSION TO FURNISH THE LISTED REPORTS BELOW ONTO MY CONSUMER REPORT ( PLEASE HAVE SENIOR EXECUTIVE WRITE IN AFFIDAVIT SHOWING PROOF THAT I GRANTED THEM PERMISSION TO FURNISH THESE ACCOUNTS. Failure to provide me documentation of my signature giving them permission, I need the accounts i listed removed immediately.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the XXXX XXXX XXXXXXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX  on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXX XXXX XXXX  myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to Transunion and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for two disputes one for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for self lead bank revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under Transunion and the rest of XXXX and XXXX for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act Department of EDXXXX XXXX XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance with Inaccurate Information on Credit Report Dear CFPB, I am writing to seek your assistance regarding an ongoing issue I have been experiencing with Experian concerning inaccurate information on my personal credit file. Despite my repeated submissions of documentation to rectify these inaccuracies, Experian has continued to disregard my materials, only correcting my name in their records. 

Additionally, I have noticed that my name and address are also listed on my XXXX account correctly. That other address is not linked to any of my accounts listed on my credit report. I respectfully request that this unassociated address be removed as it is causing confusion. 

I believe I have provided sufficient documentation to support my claims, yet it seems my efforts have gone unacknowledged. I would greatly appreciate your help in investigating this matter and ensuring that my credit file reflects accurate and correct information. 

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

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my equifax credit report that does not belong to me. Open fraudulently. Requesting that accounts be investigated & removed. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  8. XXXX  ( 1 ) 9. XXXX ( 2 ) Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor any such debt in fact therefore exists. ( please REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Please remove these inquiries XXXX XXXX XXXX
Product: Checking or savings account

My credit karma money spend account received XXXX tax refund on XX/XX/2023 from the IRS .I had a negative balance before and received emails telling me to add money to reactivate my because it was on hold due to being negative. it's been well over week and i been told to wait for a so called higher department review. there has no access to this supposedly ..support is unprofessional and not helpful I feel there holding my funds from me for unknown reason. I was depending on last week they have they have escalated it on the XXXX but still haven't received a response from credit karma.
Product: Debt collection

On XX/XX/XXXX I took the annual physical exam and as a part of it I took anXX/XX/XXXX test ( XXXX examination, XXXX  ). 
My insurance was supposed to pay for the whole exam but due an error of the company where I took the XX/XX/XXXX( they sent a wrong code of the exam to the insurance company ) they sent me a bill. 
At the moment I received the bill I called my insurance and they explained me what was happening. At that moment, they asked me to wait over the phone and they called the medical company. I had a 3 party conversation over the phone with my insurance agent and a woman from the medical company. After all deliberations, my insurance agent explained us that I don't have to pay for this bill because it was an error of the medical company and at that moment they were out of time to fix that error. The woman from the medical company accepted the explanation. After that call they stopped sending me those bills, but on XX/XX/XXXX they started again sending those bills. I called the medical company again and they told me that it was an error but few days ago, I received a letter from a Debt Collection Company due this bill. I called again the medical company and they told me that they were to cancel the collection process ( they told me over the phone that they just sent the cancellation process ) but it is not true, I just called the collection company and the process is still active. 
Here are all the info I have regarding this : Debt Collection Company : - First Federal Credit Control, INC - Phone number : XXXX Medial Company : - XXXX XXXX ( XXXX XXXX ) / XXXX XXXX, XXXX - XXXX XXXX, XXXX is the company in charge of the billing of XXXX XXXX, and is the one I have been talking. 
- Phone Number : XXXX ext XXXX - XXXX  ( The manager ) - Last invoice received on XX/XX/XXXX - Service taken on XX/XX/XXXX Insurance : - XXXX
Product: Mortgage

On XXXX/XXXX/15, I mailed my regular fixed rate mortgage payment of {$3100.00} to Rabobank NA at XXXX XXXX in XXXX XXXX, California XXXX via personal check number XXXX. Rabobank did not deposit the check until XXXX/XXXX/15. It appears that Rabobank recently changed its mailing address to XXXX XXXX XXXX in XXXX XXXX, California XXXX and the delay in depositing was likely due to that change. Rabobank charged me a late fee of {$150.00} because it says that I supposedly did not make the payment until after the payment was late. That is not true, though, because I made the payment on XXXX/XXXX/15 and the payment was due on XXXX/XXXX/15 and was late after XXXX/XXXX/15. When I call Rabobank 's customer service department, they tell me there is nobody who can discuss this matter with me because their policy is to NEVER waive late fees under any circumstance whatsoever. I do not understand how or why Rabobank can charge me a late fee merely because of their unilateral decision to delay depositing my check. I am further frustrated by the fact nobody has authority to waive the late fee that they wrongly charged under these circumstances.
Product: Debt collection

Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?
Product: Credit reporting, credit repair services, or other personal consumer reports

I h ave 6 hard inqui rers which I do n't authorize. Please start investigation to find a way to delete the form my credit bureau.      1.    Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with total disabilty. Listed on my XXXX, XXXX, and Transunion the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Product: Checking or savings account

Hello, my issue is with M & t bank. Back in XX/XX/2020 I recieved a SBA loan for my XXXX  that I am XXXX XXXX of, everything was fine I was rebuilding my XXXX  everything was going well. Until XX/XX/2020 my account was frozen. I was told it could take 48 hours to review. I patient ly waited, heard nothing from them called back for them to tell me they had no new information. So of course I offered to give them my LLC, EIN, and loan application which I emailed to the bank  manager XXXX XXXX. I call literally every single day up until last week when I was told the bank manager would be going on vacation. Then started back calling everyday just for a update. The 1800 # as well as rhinebeck back, have no information. I've asked for a time frame. Still nothing. So now its been over a month and their withholding my money that I am paying interest on.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX. XXXX XXXX XXXX XXXX {$690.00} XXXX. XXXX XXXX LVNV Funding LLC. {$430.00} XXXX. XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX LVNV Funding LLC {$150.00} Income is not supposed to be reported.This debt is considered a charge off and it is considered income because I should have received a 1099C in order to account for this as income. This is a charge off.
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion on the XXXX of XX/XX/2022. The investigation concluded on the XXXX of XX/XX/2022 with an update of Not Specified on the dispute investigation. There is no outline of investigation tools, procedures, practices that show how any verification of this dispute was conducted or concluded with an ambiguous result.