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

On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three XXXX, XXXX, and Transunion Credit Bureaus which have incorrect and fraudulent information on there. 

Transunion XXXX XXXX {$52000.00} 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
Product: Mortgage

I contacted Fairway Mortgage about a XXXX forbearance on XX/XX/2023 and I was told the representative couldn't help me and I got a call back from management and they wouldn't put me onto forbearance. I was down to my last dollar and the issue was that the roof was damage with siding and I didn't have funds to fix it. I have a tenant in place that I reduced their rent for and just a matter of time when they will leave and the unit will be vacant and I can't find a renter for the unit until the residence is repaired.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX through the CFPB I submit a complaint of the inaccurate information on my credit report to Experian and asked that they send me the original contracts with my signature and address since on their site it have different addresses that I cant delete and I never lived their. Experian has yet to supply with with the original copies yet they keep telling me that they verified the information to be exact. I would like for Experian to provide me with the original copies of the original contract to ALL NEGATIVE ACCOUNTS PERTAINING TO ME THAT THEY PUBLISH ON THEIR WEBSITE WITH THE ADDRESS THAT I SUBMIT IN YHE FILES.! This is my 4th complain via CFPB and has yet to get a resolution. How can Experian say they investigated the complain without providing the original contract. How can you establish a burden of proof without the original copy. I would like for Experian provided the source, the investigation method and their validation of proof .Im requesting proof of an original contract with the and signature from me at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also for address XXXX XXXX XXXX XXXX Ny, XXXX. Also for address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want all original contracts provide with the above addresses and with my signature requesting also that Experian pay for the damages they are causing me mental stress! Im in the process of getting a lawyer to sue for damages.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT Sent debt validation letter to XXXXXXXX XXXX concerning the debt to XXXX XXXXXXXX. Did not receive a letter or any correspondence back from them. 


Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. Based on your request we sent you a letter to inform you we are investigating the information you disputed and to request proof of address that included a list of acceptable documents and instructions on where to send it. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED This was never resolved by transunion. they just swept it under the rug. and kept it on my credit report. causing my score to drop significantly. 
XXXX XXXX XXXX account was not mine, and was opened by my ex husband.
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 accounts ( A ). It is not permitted to report these accounts 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 correction 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I WAS LOOKING AT MY REPORT AND NOTICE THERE WERE SOME THINGS THAT WAS NOT CORRECT. I SENT A LETTER TO EQUIFAX, XXXX, AND XXXX ON XX/XX/2024 HERE IS MY TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. IT HAS BEEN 90 DAYS SINCE THE CRA 'S HAVEN'T RESPONDED. THAT IS A VIOLATION OF 15 USC 1681i ( a ) ( 1 ) ( A ) UNDER 15 USC 1681i ( a ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( f ) AND EXCEPT AS PROVIDED IN SUBSECTION ( g ), IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OFINFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY DIRECTLY, OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE AGENCY SHALL, FREE OF CHARGE, CONDUCT REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDDANCE WITH PARAGRAPH ( 5 ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 
REMOVE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and Experian XXXX XXXX Assistance XXXX. These XXXX credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, XXXX, XXXX, and Experian have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau XXXX XXXX XXXX, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required XXXX timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain items from my credit report. As a victim of a recent data breach, I have experienced identity theft, and unauthorized accounts have been reported under my name. Under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these fraudulent items removed from my report. 
Below are the details of the unauthorized accounts that need to be removed : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$620.00XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX  Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$610.00XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} Additionally, I request that the following inquiry be removed from my report as it is also related to the identity theft incident : XXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX. Over the last 6 months I have applied for a checking and savings account both personal and business, and I have been denied for no real reason. Everytime I've been denied it's due to some incorrect data being reported by XXXX or XXXX  XXXX  XXXX XXXX. 
I have reviewed all three credit reports and literally nothing is on any report period with regard to a financial institution. I do not have any delinquent accounts. 
Next I can not even get a business account with my EIN or UBI number. 
The company is spotless and has enough assets to qualify for an institutional client at a private bank yet I can not find a place to store my money or conduct buisness. 

Against privacy policies my internet is logged, my ip address is stored at various financial institutions, as well as all of my like my address or email info and especially my SSN. 
I am being treated like I am a criminal or a terrorist, who is being scrutinized watch and monitored. This is all but breaching my civil liberties. I have not consented to any treatment or information sharing. 
Yet that is the only explanation for the inability for me to open any sort of account. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX checking XXXX XXXX XXXX I can go on. I have been denied from every major or otherwise financial banking institution, and I owe no bank. 



This is wrong and highly questionable.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, around XXXXXXXX XXXX PDT a charge for {$10.00} appeared on my Bank of America credit card from XXXX XXXX. Ive been on hold with Bank of America for over 35 minutes and they have not answered. 

There was also a {$1.00} charge and reverse from XXXX XXXX XXXX. 

There are reports of both of these companies for fraud scams starting around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.
Product: Vehicle loan or lease

In reference to ACCT XXXX with Ally Bank/Financial . I mailed a request for debt validation by certified mail via the United States Postal Service. I received notification on XXXX XXXX the certified mailing was received and signed for at the headquarters of Ally Bank/Financial . I will enclose copies of the debt validation letter, signed card along with official delivery record from the US Post Office for your review. 
As of XX/XX/XXXX. 2024 I still havent received a written response from them.In addition to this non-compliance of the Fair Debt Practices Act 15 USC 1692g ; they have added another negative item on my credit report on XX/XX/XXXX & XX/XX/XXXX. 2024. I politely asked once the letter was received ( XX/XX/XXXX ) that they take no negative action on my report until they responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Final attempt to resolve the validity of this debt, cease collection activities, and XXXX am this morning was not a good time to call me and threaten legal action up to including jail time. 

" This correspondence is in reference { ... } a supposed debt still owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/XXXX. The disputed amount was included in billing on XX/XX/XXXX and paid by XXXX XXXX  Check on XX/XX/XXXX, received by XXXX  XXXX  XXXX  on XX/XX/XXXX. 

A further communication from XXXX  stated an additional amount of XXXX was still remaining as on XX/XX/XXXX and that amount was paid XX/XX/XXXX and confirmed received via phone conversation with XXXX XXXX XXXX XXXX XXXX, with XXXX ( sp ), on XX/XX/XXXX. XXXX XXXX was unwilling to confirm any additional information, at that time, as the account had been turned over for collections. 

1. You will cease and desist all collection activities 2. You will no longer contact her at any numbers you have listed for her 3. We will only recognize written contact with the resolution with this matter from the initiating creditor to include an apology from their escalation department 4. You are being reported to the Consumer Financial Protection Bureau for harassment of the above named individual a. Continuing to attempt phone contact after being advise, via phone conversation on XXXX XXXX, XXXX that the debt was disputed b. Continuing the initial phone contact with consumer after being advised she was currently in the XXXX  with XXXX access to financial information c. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX and insisting she provide you with banking information YOU contacted the consumer, the consumer is not obligated to provide financial information without first verifying the call is legitimate and not a scammer d. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX with derogatory statements and threats of legal actions that could include jail time e. Additional attempts to contact the consumer on XXXX XXXX, XXXX after a nurse confirmed that she was in the hospital and unable to take phone calls of this nature f. Continuing to attempt phone contact with consumer after written notification, sent via certified letter from XXXX XXXX XXXX XXXX client 's attorney- on XXXX XXXX, XXXX g. Continuing to attempt phone contact with the consumer 5-20 times per day h. Attempting to contact the consumer almost 100 times in a 30 day time frame 5. Per contact with XXXX on XX/XX/XXXX, at XXXX, it was confirmed by XXXX XXXX this debt was paid in full on XX/XX/XXXX and should have never gone to collections
Product: Credit card or prepaid card

I made 2 purchases from XXXX online using my direct express card. One on XX/XX/XXXX, where I cancelled the order before the items were set for curbside pick-up. XXXX order # XXXX. The total amount was for {$140.00} I was told by XXXX when I cancelled that the authorization hold that is put on my debit card when making a purchase online would drop off and my money would be credited back to my debit card. It hasn't been. 

On the 2nd XXXX.com transaction I placed and order on XX/XX/XXXX to be shipped to me. When I received my order one of the items was damaged and I returned it and was supposed to be refunded. The original amount charged my debit card was {$210.00} or which I was to be refunded {$97.00} for my return. I have not been refunded at all. My debit card shows the an error message XXXX XXXX. When I look that code up it says something about fraud. When I called XXXX they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. I get the same story as the first transaction. No one at XXXX seems to know what's going on.. they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. When I call direct express I can't get a human being in the phone. 

This makes no sense to me. My transactions with XXXX are pretty simple straight forward transactions. I have no idea why direct express isn't crediting my debit card. I live on XXXX and I need my money credited back to my account. I tried to get a live human being in the phone with direct express and was holding for over 2 hours. I have multiple physical XXXX and it is insane that I should be holding for a direct express customer service rep. Please help me
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted all the credit bureaus on numerous occasions to have an account removed from a debt collection agency by the name of Bridgecrest Credit Company. I have sent letter and emails to the debt agency as well as the credit bureaus asking for them to fully verify this account being mine with original documentations and signatures in a timely manner. I have n't received a proper response. I have been disputing and asking for validation since XXXX/XXXX/XXXX. I as a customer have the right to know who and is attempting to collect alleged debt and why. I have been ignored, and have n't been reviving no response and its shameful.
Product: Debt collection

I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.
Product: Student loan

I have been in contact with the company called XXXX XXXX to resolve an issue that I experienced with their online payment system. In the previous times I have spoke to them they have tried to say that I was asking for a good faith adjustment to disregard my request. This is not about a good faith adjustment but rather the issue I experienced with their auto pay online system that caused for me to have a delinquent account. I was not notified about the delinquent account either which is not very good business on their end. They let a loyal and good paying customer go delinquent on an account that they were on time with every month on auto pay and didnt think to call when there was an issue. When I signed back in to their online system to add my new bank account and set it up on auto pay for the remainder ( Just a few months ) of the installment. The system made a mistake and only made a single payment instead of submitting my auto pay request to the company. Im not sure why or how this happened. But explained to the company that Ive never missed any other payments in my entire history and it is evident that all my payments are all on auto pay. The reason I mention this is to giv them a clear understanding of what kind of consumer I am. Everything I do is on auto pay. The only reason I even found this delinquency was bevause I signed in to my account to get tax info when I was preparing my taxes for XX/XX/XXXX in XX/XX/XXXX. I found that they were saying it was passed due and delinquent and instantly paid it. I was not notified that it was reported to the credit bureau until months later when I applied for another mortgage and my lender asked me what happened to my credit. In the long run this mistake by campus partners is going to cost me tens of thousands of dollars and I will be taking further action legally if this does not get resolved. I buy houses for a living and their costly mistake with their system not setting me up on auto pay like I requested ... them not notifying me of a missed payment ... and not notifying me of a bill getting reported to the credit bureau is unacceptable. The online system did not function properly for auto pay and has caused this to happen which I have explained to the company on multiple occasions
Product: Debt collection

Tate & Kirlin Associates ; XXXX XXXX XXXX, XXXX, PA XXXX XXXX, ( XXXX ) XXXX has sent me XXXX notices in the last several months trying to collect a bankrupted debt. I have thrown out countless other notices after sending them two letters concerning the Bankruptcy and all pertinent information. They do not care. They continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt was reporting on my credit. I immediately called and settled this debt with them. I had no idea that this was on my credit, I never received any calls or notices about this. This violates my 30 day right to disputes under the FCRA. I ask that you delete this account from my credit file. I am also aware while this account is under investigation all collection activity must cease. If you continue to report false information on my credit file, it could constitute fraud under both federal and state laws. Please remove this from my credit file.
Product: Debt collection

I was seen in XXXX and paid all co-pays told were due at the time of service. I did not receive a bill from XXXX XXXX XXXX until XX/XX/XXXX. I submitted check XXXX on XX/XX/XXXX, it cleared my bank XX/XX/XXXX. I received messages from Bureau of Accounts Control on XX/XX/XXXX ( Letter dated XX/XX/XXXX ). My wife called them XX/XX/XXXX to explain that the debt had already been paid by check and the check cleared the bank. The agent told my wife that would be no problem and we would only hear back if XXXX XXXX XXXX disagreed. Nothing was said to us until they called today to say that we still owed the money. The debt has been settled nearly 2 months now and the calls are harassment. Please order a cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset to the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determined my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirmed that your information posted in my file are 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 XXXXXXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$1600.00}.