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

I have inaccurate information on my consumer reports that is affecting the process of buying a house. XXXX is reporting late payments on my consumer reports from XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX  dept of human services acct # XXXX., the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; subsequent to this the law also states 15 us code 1666b timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nobody has sent me proof nor have i received my periodic statements 21 days before the payment was due, the burden of proof is on the consumer reporting agencies and I have still yet to be proved. My next step will be litigation. Therefore, please update these accounts as paid as agree or delete.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed hard inquiries that belong to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2016 I started the ReFi of my mortgage with AnnieMAC, we did not close until XX/XX/2017. In the beginning I was working with a Loan Originator which seem like everything was fine, I responded to her questions and needs and did the same for me. A week before the election, my appraisal came back and all the other paperwork required, I emailed her make sure that we were locked in at 3.8 % with no points. The day before the election I tried to get a hold of her to make sure because with election, interest rates could go either way. I was unable to get anybody at the company, their phone tree prevented me from getting a live person. I finally got a number through the web page and talked to a receptionist, she help me get in touch with a manager, his name is XXXX, he told me that the loan originator that I was working with was no longer with the company, nobody from the company had picked-up her clients, and according to him she never locked me in at 3.8 %, by now rates had gone up to 4.125 % with 1 point. They assigned a new loan originator, his name is XXXX and I had to start all over again. I told him not to lock me in and that we would just watch the market and after doing all the paperwork again, underwriting kept coming up with more items for me to get, instead of making a list and sending it to me, they would ask for something, wait a few days and ask for something else and wait a few more days and ask for more and more. They seemed like they did not know what they were doing. Finally in XXXX tells me that everything is good and we can close last week of XXXX. I locked in on XX/XX/XXXX at what I thought was 4.125 % with a small out of pocket for me. Turned out he locked me in at 4 % with a little more than XXXX points. At this point I just wanted to get it done, I asked him if we could wait until the first week of XXXX to sign so I could skip the XXXX payment, he said fine. Then after the 1st of the year it started again, a whole of more inquires from underwriting, all the way through to XX/XX/XXXX. The whole process felt like these guys are a bunch of rookies. With what started out as a not cost to me ReFi ended costing me {$18000.00}. I have all the emails going back and forth if you need them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares 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 USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING DEROGATORY TRANSACTIONS ON MY CREDIT AND I WOULD LIKE THOSE TO BE CORRECTED. I WAS UNAWARE OF THE ACCOUNTS UNTIL I WAS SHOPPING FOR A CAR. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS PURGED FROM MY CREDIT FILE.
Product: Debt collection

I was a curent Section8 government program attend and in XX/XX/XXXX i  found a house for rent that accepted housing vouchers to provide a safe place for me and XXXX children payed on time as well as deposit, through out the whole time of lease with XXXX they failed to provide safe housing so after 2 years of heating issue, mold which i have XXXX   children my housing manager found the house unsafe and home went into abatement and i had to move the lease was terminated due to their part of not providing safe housing while on the program, they have threatened to sue me as well as garnish my wages, they have reported on my credit redeckless amounts that werent owed as well as a company that i never rented from ..My lease was with XXXX  and its reporting XXXX XXXX which i have neved leased with i have all proof and left owing nothing when the home went into abatement due to the repairs of the home I had to move because they have failed to provide safe housing which they knew before a accpeting a section 8 particpant rent paid by the goverment. I didnt recieve my deposit back and they are reporting i owe them which cant be true i have all recipets, documents and even the letter of abatement giving them 30 days to fix repairs and they failed they have just put my family through XXXX and now lying saying i rented from another company. Please help as im trying to but a home now off the Goverment program i had to relocate my kids which XXXX where XXXX right around XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone cloned my credit card from The home depot, increased my limits, and made purchases, The home depot charged me {$1600.00} on XX/XX/year>, as payment for the fraudulent transactions without my authorization, charging me for purchase I did not do. I informed them I made a claim, but they never got back to me, because also the criminal changed my mail address, when I called them I let them know that I never move from my original address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Now I have a debit {$9000.00} in the present date, impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent {$1400.00} from my XXXX  XXXX XXXX checking account to my CASH APP account and then sent that {$1400.00} to my BOYFRIEND 'S CASH APP account- somehow during this process it was flagged as fraud via XXXX  XXXX XXXX and IT WAS NOT FRAUD. I called XXXX  XXXX XXXX and WITHDREW the fraud complaint that was filed and they did withdraw it. I have a letter stating that on XX/XX/2022 this fraud claim was RESOLVED AND CLOSED and since there was no fraud that my boyfriend would receive the money with 45 calendar days. It has since been over the 45 days and we still have not received the money from Cash App back and they have no answer as to where the money is and how we can get this back.
Product: Checking or savings account

Dates : XX/XX/XXXX  Amounts : {$700.00} from one checking account and {$1200.00} from the other, each done in individual {$100.00} withdrawals. 19 in total. 

The company sent a fraud alert to my phone that same day asking if I wanted to close that card due to fraudulent activity. I said yes. I have photo records of this. They did not close the card and continued to let activity happen on it. 

Chase representatives wouldnt tell me how the investigation was conducted but stated that they have ways of determining that a card was used. 

Chase representative at the bank said there is no way to copy a debit card from them. I have read several articles that say otherwise. 

Chase representatives refused to tell me the location of the ATMs Chase representatives required me to provide proof that I did not make those transactions but stated that they could not specify what proof would be sufficient I escalated the matter with Chase and the representative told me as the first line that he had already decided he would deny the claim and there was nothing or no one else I could talk to. Then he hung up.
Product: Credit reporting or other personal consumer reports

Dear, LVNV Funding LLC This letter serves as formal notice to you and any affiliates that you must immediately cease and desist from disclosing, disseminating, or conveying any informationwhether written, verbal, electronic, or otherwiseregarding me to any third party. This includes, but is not limited to, the sharing, reporting, or publication of any personal, confidential, or sensitive information without my express written consent. 

Your actions constitute an invasion of my right to privacy and may violate applicable laws, including but not limited to Privacy Act of XXXX  5 U.S.C. 552 Disseminating or reporting my information to third parties without authorization is a direct violation of my privacy rights and may subject you to legal liability. 

You are hereby instructed to immediately : Cease and desist from any further disclosure, discussion, or distribution of any information related to me. 

Refrain from using any mediumsuch as social media, emails, text messages, phone calls, or verbal communicationsto convey information about me to any third party. 

Destroy or delete any records or documentation that contain my private information. 

Failure to comply with this demand will result in legal action being taken against you, including but not limited to seeking damages, injunctive relief, and any other remedies available under the law. Additionally, be advised that continued violations may result in a lawsuit in which you may be held responsible for all associated legal costs and damages incurred as a result of your actions. 

Please provide written confirmation of your compliance with this demand no later than 10 business days. If you fail to do so, I will pursue all available legal remedies. 

This letter serves as formal notice of my rights and should not be construed as a waiver of any legal claims I may have against you now or in the future. 

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

his letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

Yet ANOTHER account has been opened with MY email address. I believe this is related to several other accounts opened in my name over the last 4 months. I could not get through to the company to submit a formal complaint because I do not have the card issued by the company. 
Whoever this is, is determined to assume my identity through my email. 
So far I have had at least XXXX accounts opened with my email that I have had to go to extensive measures to have my email account removed. 
I would rather find out who this person is in order to put a stop to it because I believe it is a family member. 
This occurance happened on XX/XX/2022 They would have to research by referencing my email address which is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies in my consumer report with Transunion and I received a notice back that the errors were not corrected. I have no current contract with  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX  ,  XXXX ,  XXXX   XXXX  or  XXXX   XXXX  Credit Card. I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to not being valid. But Transunion continues to harm my ability to participate in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 a 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 U.S.C. 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.
Product: Student loan

I qualify for loan forgiveness under the temporary pslf. This was in effect before the XX/XX/XXXX waiver, which I also qualify for. 

Fedloan has noted my account that some loan payments qualify for XXXX, and some don't. There are payments missing. 

I've made payments on the loans since XXXX, and have bad them consolidated as Direct loans since late XXXX. I am not entitled to forgiveness and a refund. The payments were auto debited, I did have a payment due for each payment made despite fedloan showing no payment due for 13 months. 

I called to ask about correcting the count. I was initially told that FedLoan would eventually do it. I explained a couple times that I was already entitled to forgiveness and wanted to be done with it, and requested a recount multiple times. I was then told it would be requested in their system, but that there would be no way for.me to verify online that it was going to happen.
Product: Debt collection

My credit report contains accounts added without my consentplease remove and block them immediately.
Product: Mortgage

Im in the process of process a loan modification and the servicer ( Veterans United ) continues to employ delay tactics to finalize my process. Ive been asked to submit the same document ( XXXX and XXXX back statement showing paid rent on another property ) 5 times, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, and each time Im told that the rep has verified the information. I suspect the delay rate is because of the interest rate. 

Today, XX/XX/2023, I was told to wait until my XXXX statement is posted in order to process the request again. Im told that the XXXX statement is now, and how convenient, is expired. 

I find it ridiculous and irresponsible for Veterans United to continue to employe these delay tactics.
Product: Debt collection

In XXXX, I contacted a company to install a XXXX XXXX. When the XXXX came out, they informed me that they dont install in not install in XXXX  homes and I said okay, I will contact another company. A few days later, the XXXX called me back and said they can install. I said you all dont install for XXXX and I dont have authorization from the owner. The XXXX said they didnt need it and they installed the equipment. I had to move XXXX months after the install because I continuing to be harassed by the XXXX. I called them and told security company and they came and removed all of the equipment. They asked where was I moving to and I told them and I also informed them that I was going to be XXXX I also said that the owner will not approve the equipment because they didnt want the XXXX XXXX XXXX XXXX. I was at work and my XXXX XXXX daughter at the time called and said the security company just left my XXXX XXXXXXXX home. She said that they told her to sign the form. I was so XXXX called them and told them that should have never come to my house with my XXXX XXXX daughter and they should not have told her to sign forms. They sent me a text, which I still have that said they were coming the next day to remove the equipment. My complaint is with Zions Debt Holdings who placed {$3800.00} on my credit reports, which is hindering me from obtaining credit. I do not owe Zions Debt Holdings or the security company that fraudulently installed with a XXXX I recently sent a debt validation letter to Zions Debt Holdings. This SHOULD NOT be on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022