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

I did pay for all three reporting agencies, but once I reached XXXX I dropped XXXX and Equifax and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my credit score. So, I opened XXXX and Equifax up and saw that they were reporting my scores as XXXX, Equifax- XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that XXXX and Equifax were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called XXXX, and they told me that they could do that and that there was nothing wrong in doing it. That meant that Equifax was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, XXXX told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.
Product: Mortgage

Installment payment was made in accordance to the guidelines as written and displayed on Shellpoint 's website. Company acknowledged payment had been made on the installment month it was due however, no updates were made to my credit report.
Product: Credit card

NFCU denied me an extension of my credits on XX/XX/XXXX I requested that they retract my application. They ignored my request. 
NFCU has denied many times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none this access to my securities was a benefit to me. However, NFCU accessed my securities yet denied me based on a inaccurate credit score reading from XXXX. I never got my consent to XXXX to report anything on my consumer report i report anything on my consumer report. 


Attached is my Adverse action letter and invoice sent to NFCU
Product: Credit reporting or other personal consumer reports

It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$290.00} XXXX  XXXX  XXXX Balance : {$610.00} XXXX, XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX. XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Debt collection

LVNV funding LLC is continuing tho report false and misleading information on my consumer credit report in direct violation to federal codes. This allegedly creditor does not have a lawful contract with me is continuing to contact me with a cease and desist in place and continues to give my private sources data to a third party that I never authorized to have my private information or has never did any business with
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Opportunity financial, XX/XX/2020 ) .I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.

It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of XXXX 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 anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part XXXX unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Product: Credit card or prepaid card

Kohls calls me approximately XXXX times daily regarding my late bill. I block the numbers just to prevent the overload of calls while Im at work, but they disguise their number to fit my area code and continue calling from a bunch of random numbers.
Product: Checking or savings account

I opened an account in XXXX with Truist bank, using a {$500.00} promotional code. 

If i were to deposit {$1000.00} and make 2 qualifying {$1000.00} deposits in 90 days I am to receive {$500.00} bonus in my account. 

I deposited {$1500.00} initially and set up a monthly direct deposit of {$1500.00} a month, which deposited three consecutive months in a row. 

I fulfilled all criteria to receive my bonus and even told Truist they neglected to pay me, they haven't taken care of it. 

Yet another bank that has to lie to get customers ... How many babies will commit fraud before you fine them?
Product: Mortgage

I am an XXXX woman and was told that the best rate was being given and I was going to have to pay for closing and the rate was going to be lower than it was. They sent the agent over to my house to go over the paperwork for me to sign. I have n't received my copy at this time yet. So why looking at and listening to what he was saying. I said I did n't want to proceed. That it was n't what I was told and it did n't seem like it was going to be the best thing for me. I was then informed that I can sign the forms and have time to not accept or cancel them. After I spoke to Quicken loans. When I contacted them they said it was to late. That it was already done. I told them that I was told I had time to speak to someone about this. and was told again its to late. XXXX XXXX. XXXX XXXX contacted me and told me that he was going to keep going back and forth with me, That its already set and done. That I had 3 days to think. And the check was in the mail. If they count the weekend as days to think and not answering the phone Monday morning. I just do n't know what to do or say. But this deal I did n't want or would of considered. I thought it was a type o and they where going to fix it
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Mortgage

On XX/XX/2022, my husband and I applied for a mortgage loan with Third Federal Savings and Loan. We wanted to obtain a pre-approval to begin shopping for our new home. Initially we tried using the online application, yet it was confusing as it require the applicant to enter the address of the home you want to finance. We would not know that information, thus, requesting a pre-approval to locate a home within our budget. We then called the Third Federal Savings and Loan location at XXXX XXXX XXXX, XXXX OH and spoke with XXXX. I told her that I was looking for a home in several nearby school districts. Via the phone, XXXX took our pre-approval application over the phone. She called us back the same day and spoke with my husband to state that our application was denied due to my husbands credit score and my DTI was high. On XX/XX/2022, I reached out to XXXX to gather more information about the credit decision and she stated that my DTI was high and I would not be qualified for the loan amount that I initially requested, which was {$450000.00}. I asked her how much I could pre-qualify for and she responded that I would not be able to afford what I am looking for in the school districts that I mentioned when the application was taken. XXXX then stated maybe {$800.00} a month and I dont know when I asked about the loan amount. She brushed me off. In addition, XXXX stated that anyone with credit scores less than XXXX will have pmi added to their mortgage loan. Knowing our race and ethnicity via the XXXX questions and age based on the application, XXXX became unprofessional on her communication of the credit decision and guidance for next steps and possible options. My ask is to ensure the credit application was decisioned properly and support of the credit decision is evident.
Product: Credit card or prepaid card

I have reached out over the past two days and requested Citibank to reapply my previous payments to the promotional balance on my account. I specifically set up my payments to be enough to pay off my promotional balances. In addition I had a previous balance that I believed to have had paid off and they still charged me hundreds in interest. When I set this card up, I was told my payments would go to first the minimum payment owed on any balances on accrual. Then additional funds would be applied to my Promotional balance. This was a lie, and a lie to obtain additional funds XXXX. When I noticed the issue, I requested reapplication of the funds and a review of my account. They responded with a 8 step payment processing order. Which after I reviewed appears to have direct violations in relation to Reg Z as well as the Card Act. I continued to request and even offered to inform them of where within the regulations they were violating. The response I received again was that they are in accordance with the law. They then provided me steps on how to change how my payments are applied and those steps were inaccurate. These steps were part of an automated response and falsely informed me as a client the steps to take to have my payments applied correctly. When I pushed back and explained that there automated response was not only wrong but also a system XXXX issue given it provided and disclosed information. They came back and apologized for the miscommunication and told me to call a number. I understand they are regulated by the OCC however, I  hope the CFPB could do something to assist me.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to remove some entries from my file due to incorrect information reporting. However, there remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? Need to take Citi off my credit report.

Step 2 : What type of problem are you having? Closed account but showing up on XXXX.

Step 3 : What happened? Still appearing on credit report.

Step 4 : What company is this complaint about? Citibank Step 5 : Who are the people involved? Citibank Info : CBNA XXXX {$0.00} {$5000.00} 0 % Revolving Current XX/XX/2016 2016
Product: Debt collection

I have been dealing with this now since XX/XX/XXXX. XXXX Hospital Georgia has incorrectly attached this debt to my SS # and has been trying to fix their issue ever since. The billing from the main hospital has told me on multiple occasions that they have corrected this issue on their end and I was told they would also direct this to XXXX XXXX XXXX XXXX XXXX XXXX has not submitted this debt to the collection agency Affiliate Asset Solutions The debt in question is related to a homeless gentleman with similar name as mine, with a different middle name, and the hospital tied his billing to me. I live in Ohio. The only time I have visited XXXX Hospital was in the Winter of XX/XX/XXXX while in Georgia for on the job training.
Product: Debt collection

In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from midland credit. I tried to dispute the collection, because I had never heard of midland collections. Shortly after I received a court document from attorneys XXXXXXXX XXXX XXXXXXXX out of XXXX, MI. I contacted my lawyer who after speaking with XXXX XXXX XXXX reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys XXXX XXXX XXXXXXXX. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX  report, but not the other 2 reporting agencies. I tried calling midland collections, and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Date : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states 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.
Product: Checking or savings account

Since XX/XX/2018 every week I have deposited my payroll checks in my checking account at USAA Bank and the Bank has not given me full value for my deposits. Each payroll check that I have deposited, USAA Bank has put on hold about one third of my payroll check for 7 calendar days without a valid reason. I believe that USAA Bank has put my checking account on a so-called blacklist ever since I made a complaint to the CFPB a few months ago. USAA Bank has no valid reason to put a hold on my deposits that comes from a US company.
Product: Debt collection

They wanted me to tell them my social and address they provided was in Arizona when I have lived all my life in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Diversified Consultants contacted me via mail stating they were attempting to collect a debt. I responded to Diversified Consultants by US Mail requesting debt validation of the alleged debt, including proof the debt belonged to me, proof of Diversified Consultants legal right to collect the debt, as well as an itemized statement of the alleged debt. Diversified Consultants responded with a form letter and a one page copy of a statement that does not include my name, my billing address, or any ability to determine that this statement belongs to me.

I responded to Diversified Consultants by mail again asking for proper validation of the debt. As of yet, Diversified consultants has not responded. On XX/XX/2019 I was made aware that Diversified Consultants had posted a collection to my consumer credit report without properly validating the debt in question.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from bureaus stating Im using a credit repair agencies which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX {$600.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Experan : DEPT OF ED/XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$280.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has not fixed wrong info on my report loan was paid off in XX/XX/XXXX see paper work 36 month loan/lease ended on XXXX see attachments no pending payments as of XX/XX/XXXX how can they report XXXX thru XXXX of XXXX paid as agreed when there were no payments loan was done in XX/XX/XXXX and then reporting late payments when nothing was owed to them lock at the paperwork i am submitting count on your own 36 payments see ended in XXXX fix my report and add my statement
Product: Credit reporting 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 deletion 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX