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

XXXX, Equifax and XXXX allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per Resurgent Capital this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. Resurgent Capital replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX credit file and it will not report until they furnish me with all the info I requested l. I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX funding is reporting to the credit bureaus. Something is fishy and stinks in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, XXXX XXXX XXXX. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.
Product: Credit card or prepaid card

Hello I like to file a complaint about Discover Card. 

I received a letter from discover card saying Im pre-approved for a personal loan for {$28000.00}. Next day I called Discover Card and they asked me what the money is for I advised them I was trying to pay off my other high interest credit cards and just have 1 payment every month. They asked me how much I owe I said {$25000.00} then they asked how much I make and I told them {$50000.00} and they said anyone in the house hold I said yes my husband and they asked how much does he make I said {$120000.00} they said I am approved. Then they asked me to send them pay stubs I did. My husband pay stub was showing {$93000.00} but then I called them and said no his XXXX shows {$100000.00} because he gets bonus every year and its {$100000.00} they asked me to send his XXXX so I did, I got a phone call 2 days after that they said sorry you dont qualified. My issue is I didnt want and hard pull on my credit and the agent insured me that its not a hard pull until the loan is approved so here I am with no loan to pay off my other credit card and I have an extra inquiry on my credit report. I asked them to give me a smaller loan they said they are sorry and they cant help me. 


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

According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. *************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX  XXXX Bankruptcy plan the standing trustee files a Final Report and Account with the Bankruptcy Courthouse. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.

Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XX/XX/2023, secornd complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account XXXX XXXX and XXXX : account XXXX  XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Product: Debt collection

I was contacted by phone in XXXX of 2019 ; a male person asked me for monies related to a debt I had no information about. I asked for details, the person threatened that an unpaid debt would " go on my credit report '', which I relayed that I understood that, however, I would not give him my credit card information w/o verifying it was a legitimate claim. I asked for a hard copy bill and any dates, details, etc. The male said he had the amount owed and I should know I owed it! I asked for an address to request details and was given an address in Georgia. I was skeptical and believed it was a scam but did not want to take a chance on an error causing a mark on my credit. I sent a Certified Letter to the address in Georgia and have received no information in return. I assumed it was, in fact, a scam. Now I see it on my credit report and do not know what to think. I had my identity stolen twice in the summer of 2019, therefore I have been extra careful with anybody contacting me out of the blue asking for monies. Especially monies I can't get details on. Can a scam company actually report to the credit agencies? I don't know what to do at this point. I have disputed this with XXXX  and with XXXX. Please help.
Product: Credit card or prepaid card

I recently submitted a dispute by accident. I confused two different XXXX orders with one another, because they were both for string lights. One of the orders was returned and the other was kept. 

The one disputed originally was for {$47.00}. The order was placed on XX/XX/XXXX. When I realized I disputed this one by accident, I opened up the correct dispute for {$59.00} on XX/XX/XXXX. The latter order was placed on XX/XX/XXXX. 

I have attempted to close out the {$47.00} dispute online, but Chase 's online system won't allow me to close it out. I contacted customer service and they can not close it out either. I was given the phone number for the dispute 's department, XXXX. But they are not open. I am requesting Chase close out the dispute for {$47.00}. The only one that needs to be investigated is the {$59.00} charge. This item was returned 2 weeks ago, and we have an open XXXX complaint with XXXX to get this item refunded because the seller has yet to refund it. 

The dispute number is XXXX XXXX XXXX - {$47.00}. Attachments are included for your records.
Product: Credit reporting 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Applied to lower payments with Nelnet on XX/XX/XXXX  & XX/XX/XXXX I received an email after both applications that they were being processed. I am received past due notices, however can not afford the plan Im in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint against both XXXX XXXX XXXX and XXXX due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention. 


**Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed. 
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full. 

XXXX XXXX XXXX is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt. 

Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping XXXX XXXX XXXX exploitative lending practices. 

However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days.

Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.

I have undertaken several concerted efforts to dispute this misinformation.

While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.

I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments.

This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.

Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
Product: Debt collection

Equifax need to update my credit report ASAP they been reporting inaccurate information on my credit report I provide a screenshot from XXXX removing all fake account from my credit report This is hurting my client need to be removed from all credit bureau AND ALL INQUIRIES LISTED
Product: Bank account or service

I opened a Citigold checking account with a promotion code that said would provide XXXX XXXX XXXX miles once met the requirement. There was no any word in the term saying that I am not eligible for the offer and I also confirmed several times with the bank and the customer service people, they all told me I could get the offer. However, recently, Citi bank told I was not eligible for this offer because the offer is only available to certain people. They never mentioned that when I opened the account. They should fulfill the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2022, I received a text message stating that I had a low balance and a withdrawal was made of {$420.00}. I called the bank telling them it wasn't me then called back because my family needed that money for hardship in paying bills. I was denied due to the investigation they did which I know without a doubt it wasn't me or someone I know. My bank card was in my wallet. I woke up that morning to no money in the account. I have filed a police report as well hope whoever it was gets caught
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen mortgage foreclosed on my home XXXX while my mortgage was being processed for a modification. I retained an Attorney and Ocwen rescinded the foreclosure. XXXX XXXX. My credit report reflects my property is forclosed. I was recently declined an employment opportunity because Ocwen incorrectly reporting my mortgage to the XXXX credit Bureaus XXXX, XXXX, XXXX .Please Help
Product: Credit reporting or other personal consumer reports

I am writing once again to express my I have recently acquired a copy of my consumer credit report from your bureau and wish to dispute the accuracy and completeness of certain information therein. This information is negatively impacting my consumer report, and I urgently request that you rectify it without delay. 
I trust that a period of 30 days is adequate for your investigation into this matter. Following your investigation, I request an updated credit report, along with the contact details of the individuals who were involved in the investigation. 

I demand that you immediately cease reporting this account as late on my credit report. Failure to comply with this request may compel me to pursue legal action against your agency. 


The disputed information is as follows : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report there are XXXX other names and XXXX other addresses and I'm afraid that someone could have used those names and addresses to still my informations. I demand that EXPERIAN remove all those other names and addresses on my credit report
Product: Vehicle loan or lease

I am writing to report that I have been a victim of identity theft as a result of a recent data breach. I was made aware my personal information, including my Social Security number, date of birth, and financial account details were compromised in the breach leading to the unauthorized opening of accounts and accumulation of fraudulent debt in my name. The following fraudulent activities occurred : Unauthorized credit card accounts have been opened under my name with XXXXXXXX XXXX and XXXX XXXX XXXX. A loan was taken out in my name with Automotive Credit. Utility accounts were opened with XXXX XXXX and XXXX XXXX. Several attempts were made to access my bank and credit files.
Product: Mortgage

Om XX/XX/2022, I was contacted by SPS Servicing regarding my previously open case regarding my reduction and Short Sale. with CFPB.I was asked if I was aware of the complaint filed and I agreed that I was aware of the complaint. I feel as if SPS was trying to intimidate me by asking if I was aware and offered no resolution at the time of contact. Also I submitted documents to SPS regarding my homeowners insurance with XXXX that was sent on XX/XX/2022 regarding the billing. I was advised that the information was received and is being reviewed.
Product: Mortgage

We purchased property in XXXX through a 30 year fixed rate mortgage originally as HUD property. HUD sold this property to Ocwen in XXXX. The original purchase price was $ XXXX at 10 % interest rate. We paid $ XXXX {$600.00} per month ( depending on the tax rate ) for 30 years. The final payment was XX/XX/XXXX for {$400.00} after which Ocwen said we still owed {$21000.00}. We hired a mortgage lawyer to check into what Ocwen said we owed past the maturation date of the loan. 

The lawyer informed us that we did owe {$21000.00}. We disagreed but Ocwen threatend a foreclosure on our home. We wanted to avoid this so we sent them what they asked for to avoid foreclosure. We never missed any payments on our home. They asked for {$3000.00} in XXXX we sent that and they then asked for another {$300.00} and we sent that along with our regular monthly mortgage payment.s We paid our own homeowners insurance during the 30 years. 

In conclusion, we would like to know why we owe this amount to Ocwen. Our records indicate our home would be paid off XX/XX/XXXX. We sent them the {$21000.00} XX/XX/XXXX. We have yet to receive our deed. We have only received letters to us concerning foreclosure assistance through XXXX and no receipts or acknowledgements that we have paid them anything final.We would like to obtain our {$21000.00} plus interest.
Product: Credit reporting or other personal consumer reports

I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in XXXX.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to XXXX XXXX XXXX for allowing unauthorized inquiry on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Student loan

I am writing abo ut Navient (   XXXX   XXXX   ) . I cosigned  XXXX  loans - the first in  XXXX   XXXX  and the second in  XXXX   XXXX . The first had an interest rate of 12.25 % and the second had a rate of about 10.5 %. The total principal borrowed is {$16000.00}.   Based on the payment plan given by Navient, the first loan was supposed to be paid off in  XXXX   XXXX . To date I have paid over {$12000.00} yet Navient says we owe {$16000.00}!!!! This does not seem right. Where are all the payments going? After all these year the loan balance is even higher!! How?   The loan history report does not show the remaining balances after each payment