23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I applied for An Extension Of My credit as the true creditor. I was Falsely denied My Extension of Us Cod 15 1611 & 12 US Code 1411.I stated that false and misleading if ones own credit is Illegal. I asked to speak with the underwriter and they also denied me. I asked for a copy of my Credit Application they didnt comply. This matter has held up the growth of my business and more. After I was denied, ask request that they remove the hard inquiry from my credit report, because a hard inquiry is considered a transaction for one extension of credit I didnt receive. I also ask.
Product: Debt collection

Good morning. 


I am here complaining about company that goes by ability recovery services. They put 3 different collection accounts under my name which I paid off back in XXXX I was told all the accounts will be deleted and that it'll be reported to all the credit bureaus as complete and will be taken off any report However, spoke to them back in XXXX of XXXX XXXX and I was told that they will send the status update to the bureaus again and that it could take 30 days for that to update in their system Coming today after over a month, the bureaus are still showing all 3 of the debt collection accounts and are not deleted. I tried calling the company and they asked me to dispute the charges with the bureaus directly with no better solution I have had no help from them! I am trying to close on a home and I am getting pushed back cause of this company not doing thier work of actually submitting the account status as they are supposed to. Instead asking me to take this up directly with the bereaus.
Product: Checking or savings account

On XX/XX/2021 I went to a Chase ATM to withdraw {$760.00} from my Chase Checking account, but the ATM did not dispense my funds and still withdrew the {$760.00} from my account. I called Chase in the morning and they opened a claim then they said that they would issues a temporary credit, but they issued it and they rescinded the credit causing insufficient funds charges to be added. I called again and they said it would take 30 days for the claim to be resolved and that they temporary credit would show back up. They also said that if there is not enough funds in the account that those charges, and any other future charges, would be returned to the merchant. That was the last of my money for the entire week, I need to buy food with that money and, more importantly, I do not have the funds to cover my current and upcoming payments which will cause returned item fees with the other merchants.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/XXXX, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Key Violations : 1. Failure to Conduct a Reasonable Investigation : XXXX XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : XXXX XXXX  failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : XXXX  XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

The company XXXX XXXX is collecting on behalf of XXXX 's, and has been calling my phone repeatedly back to back. On XX/XX/XXXXthe company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.
Product: Debt collection

Sent COMENITY CAPITAL/XXXX a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with XXXX signatures. COMENITY CAPITALXXXX also did not provide a written consent giving authorization to access my credit report per consumer protection law.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 writing to report a case of identity theft, as I recently discovered unauthorized XXXX XXXX and XXXX XXXX credit cards were opened in my name without my knowledge or consent. I have taken immediate steps to address this issue by contacting the respective credit card companies and placing fraud alerts on my credit reports. I am filing this report to request a formal investigation into these fraudulent activities and to assist in any necessary actions to apprehend those responsible
Product: Mortgage

On XX/XX/XXXX, we made an offer to a house. We started the process with a Loan Officer from XXXX. On XX/XX/XXXX, he moved to another company, saying that he took our file and he will initiate it with a new company called Colombus Capital Lending LLC, well. Due to his transfer, he never started our file really, and started at Colombus. A commitment letter was sent by the lenders to all the parties. We had to close by first week of XX/XX/XXXX originally. By XXXX he asked for a first extension. We provided him with all the paper work through the whole process. Both parties, sellers and buyers were committed to continue. Extension was for one ( 1 ) more week, by then a second extension was required by the lender. For this second extension the sellers asked for an approval letter from the lender saying if buyers were approved or not. A new commitment letter was provided from the lender with new conditions, this documentations were supplied by us and conditions were covered. By end of XX/XX/XXXX a third extension was ordered. Every week was a different argument or paper needed. Nothing happened in the meantime, file came out of underwriter with a closing discloser sent by lender and signed by us. By XX/XX/XXXX a forth extension was waiting for a clear to close. Three ( 3 ) days before the scheduled closing date, XXXX asked us to pay 2 credit cards ( without interest APR ) and a complete lease of a vehicle to be approved. We paid almost {$6000.00} in payments in addition of course of appraiser and inspection. By XX/XX/XXXX, we received a denial latter because of employment time and accounts with balances. Which could have been easily the reason to deny us at the pre-approval stage, which was on XX/XX/XXXX. Now we have 6000 less plus 5000 of deposits given to the sellers and in jeopardy of losing. We dont recommend neight this two companies, since they both have a history of employees jumping back a forth. Currently, some employees of Colombus capital are in the process of going back to XXXX. If you want an advise? do yourself your homework on the requirements of each mortgage program and work for that, afterwards go to a real bank or a serious, more respectful private lender to start this important step in your lives. If you ask us today how was our experience, even if we had an approval of the loan, it was the most stressful and painful process in our lives. Families buying flight tickets thinking it was " this week that we close ''. Move boxes made. Do your homework before sitting down with someone who most of his/her salary comes from the commision of your loan. Loan officers make up to 3 % of the amount of your loan. Dont trust no one, is a tricky industry.
Product: Debt collection

These people constantly call my phone asking for someone else. I have told them on numerous occasions that I did not know the person and to stop calling my phone yet they have continued to harass me. The most recent phone call was today, XX/XX/2018. They keep telling me that they will remove my phone number but that is obviously a lie since I received another phone call today ( XX/XX/2018 ). They say just enough to get me off the phone after sensing and hearing the anger in my voice but do absolutely nothing to remedy the situation by removing my telephone number. Based on what I have experienced, it would appear to me that their collection practices are borderline illegal seeing as how they keep calling me after being told multiple times to stop. If they do not stop harassing me, I am seeking legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I submitted a dispute for a charge to my bank, XXXX, regarding a double charge on my credit statement. On XX/XX/2021 my credit report on Experian was altered and the result decreased my score by XXXX points. I submitted a dispute to Experian because they had listed my credit card as being in dispute with an FCRA tag. The account is listed but states there is no payment information or balance information. I received back an investigation complete letter XX/XX/2021 which stated there were no errors from Experian and the issue was with the subscriber- XXXX I contacted my bank and informed them of this and the bank initiated a dispute to verify the account information was being transmitted to Experian. I have since received a letter from the bank that states all information concerning the account is being reported accurately and the issue is with the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( XXXX XXXX ) multiple times & Experian has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Experian or XXXX proving that this account is mine. This is illegal!
Product: Credit card or prepaid card

I pulled my credit report in hopes of making a purchase and realized there were accounts that were opened in my name that I did NOT open! My car was broken into and wallet was stolen, this is a case of fraud and identity theft!
Product: Student loan

Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.
Product: Checking or savings account

Capital One is withholding my direct deposit and I have not received any confirmation or accurate timeline. The bills are scheduled around my paychecks and my checks will bounce which will cause fees and interest on my account. I will take legal action if I am charged interest on my money that should have been in my account 2 days ago. Also they charged an extra XXXX dollars on my credit card for lack of funds to pay my minimum balance due to their mismanagement of MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME ; XXXX XXXX ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC1681 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 1681c ( a ) ( 5 ) Section States ; No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Product: Debt collection

orginal account XXXX XXXX XXXXXXXX XXXX XXXX XXXX contacted me around XX/XX/XXXX told them that was not me. XX/XX/XXXX and XXXX XXXX text messages XXXX XXXX and XX/XX/XXXX messages as well. now everest receivable services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is contacting me by letter on behalf of XXXX XXXX as of XX/XX/XXXX there were more but this is information I kept track of
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with the companies XXXX and Transunion. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and XXXX  and Transunion refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that XXXX AND TRANSUNION understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting XXXX and transunion to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX XXXX to update my account status to equifax and submit the correct information but they have not ; the payment status still states 120 past due, making my account look delinquent ; the account was paid in full on XX/XX/2019 ; however, this account on Equifax keeps stating 120 days past due on status. I contacted XXXX XXXX to correct it but they keep stating they sent the letter but I have not received the paid in full letter nor have they update my credit to proper status but continue to change info to incorrect further dropping my credit score
Product: Debt collection

This debt reported by Trident Asset Management is incorrect. Im currently dealing identity theft by an immediate family and have been working with authorities and original creditors to settle. I do not owe this company. Having this reported along with original has caused such a negative double impact on my score. As a result, I was unable to qualify for a first time home loan and I can barely qualify for an apartment. This should not be on my report.
Product: Credit card

chase united mileage plus credit card unable to redeem award points XXXX plus points
Product: Checking or savings account

While depositing checks at a Bank of America ATM on XX/XX/XXXX, the ATM malfunctioned and the funds were not deposited. It was 34 checks totaling over {$3000.00}. I notified the appropriate people at Bank of America and they started a claim. I was then sent a letter dated XX/XX/XXXX notifying me that they found only {$580.00} dollars and they closed the case. I called to correct the issue and the representative said the scans of all 34 checks were anvailable and someone cant add. She reopened the case and assured me the mistake would be corrected. I called again on XX/XX/XXXX to check on case and they had closed it, saying only four checks were found. I know for a fact I deposited 34 checks and they were scanned by the ATM. I called again later that day and a different representative reopened the case and told me to check back on XX/XX/XXXX. I am concerned that they will not deposit the funds. Due to incompetence on the part of Bank of America employees and the malfunctioning ATM, I am at a loss of thousands of dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a closed account that appears on my credit report that I did not authorize. Upon reviewing my credit report, I noticed that there are closed accounts listed under [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I believe this information is inaccurate information because this is NOT my account. After thorough examination of my records, I contest the validity of this closed account. I have reason to believe that the account was fraudulently opened, and I request a comprehensive investigation into this matter. Compliance with reporting regulations : I ask for confirmation that all reporting regulations and guidelines were followed in validation of this fraudulent account.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$4000.00} and Citi Bank Account ending in XXXX XXXX Citi Bank Informed me that due to the check not signed that they will close my checking account. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX of {$1700.00} was deposited into Citi Bank Account ending in XXXX XXXX 

at this point I have no acess to any of my funds and I made several phone attempts to verify my account balance and request access to my Funds. 

Before Account closure I had a available balance in my account of with I didnt received any formal notices to this date as requested from my employer XXXX XXXX XXXX XXXX XXXX on a transaction ID verification of deposit of payroll check in the amount of {$1700.00} was deposited into Citi Bank Account XXXX XXXX XXXX XXXX I was told over the phone one thing and told something different by another account representative of investigator that no funds where received from the Payroll and that their was no transaction ID. 

One of my concerns are if funds where received or not, I need to know and gain access to those funds and Citi bank. i tried to demand an account closure to gain access to my funds i was told 60 day for any notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania Date of Birth XX/XX/year> SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : I received a copy of my credit report recently due to curiosity of what exactly is holding me back from reaching a better credit score and come to find out there are a number inaccuracies on my credit report. These inaccuracies are taking a toll on my lively hood, preventing me from bettering the life of myself and my family. 

XXXX. After doing research for myself I demand these accounts be removed immdeitly and treated as an exigent situation. This is a violation under 15 U.S.C 1681 e whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

Account Number : XXXX XXXX is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account XXXXXXXX XXXX XXXXXXXX is in violation of 15 U.S.C 1681 e please delete immediately Account XXXXXXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX XXXXXXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately By the provisions of the Fair Credit Reporting Act, I order that these accounts be investigated and removed from my report. From my apprehension you will recheck these following items with creditors who has posted them. Please remove any information that the creditor can not authenticate. I understand that under 15 U.S.C sec. 1681 I ( a ) you must complete this investigation within 30 days of receiving this letter Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any person who received my credit report in past XXXX mounths. 


Sincerrely, Signature XXXX XXXX