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

For months I have asked them to investigate the information provided in my credit report, but it still remains incomplete and inconsistencies. They must present the historical record of balances and payments, but so far they do not do so.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I paid my credit card bill with capital one bank and the information reported to the credit bureaus was incorrect and inaccurate. Due to the incorrect information it caused significant changes to my credit report impacting my credit score negatively.I filed for a dispute and my investigation was denied. However at the end of my billing closing cycle date my balance was paid down {$69.00} out of {$1500.00} capital savior credit card .My balance was {$69.00} and the information reported was {$1100.00}. Failing to correct this error is violation of the law of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and affidavits to all 3 credit bureaus XXXX, XXXX, and Experian all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters
Product: Credit reporting or other personal consumer reports

HI I just received my investigation results back via Secure email, and the results came back verified. How was it verified when I simply requested the verification method and the reporting furnisher. I wrote the bankruptcy courts and they verified they do not report to any CRAs so how was this verified. The generic E Oscar system mistaken my inquiry as actually verified with no proof or documentation. 

I would like to know the methods used to retrieve this information. Please provide the credit reporting furnisher of this bankruptcy. 

I am interested in understanding the verification process used for the information on my credit file. Kindly refrain from providing a standard generic verification response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out numerous affidavits of dispute to XXXX  and Experian since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. Experian failed to provide such verification documents bearing my signature or methods to validate the account. XXXX  failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so Experian is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX  report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my XXXX  and Experian reports.
Product: Debt collection

i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me i talk to navient hundreds of times and they told me that it will remain on my credit navient debt collectordidnt verify collectionno contract no sigiginature they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't believe my late payments were filed correctly. I have more late payments than I should actually have reporting on my credit. I wrote letters trying to fix the problem and I haven't got a response.
Product: Debt collection

There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. The credit reporting agencies continues toviolate my my rights according to 15 USC 1692. Any bad debt furnished on your reports are ruining my reputation and its defamation of character.
Product: Debt collection

I received XXXX phone calls on my home and cell phone number. I returned XXXX calls, verified that it was a different person with the same first and last name ( but different middle name, birth date, etc. ) On each phone call asked them to cease contacting me. Received XXXX a letter demanding payment. Called again and asked to be removed.
Product: Credit reporting or other personal consumer reports

I REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XX/XX/2023 I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX, and financial stress.
Product: Checking or savings account

I deposited a check via atm on Saturday XX/XX/year> to my 5th 3rd bank account. This check was payment to me from the law offices of XXXX XXXX, in regards to a real estate sale in the ammount of {$36000.00}. This sale is public record, the law office has a phone number on the check. The bank ( 5th3rd ) is claiming to have " confidential information '' that the check may not clear. They will not disclose this information and in my opinion that is because they have no information. The expedited funds availability act states that the XXXX  XXXX dollars be made available to me by the next business day after the business day of the deposit. It is now that day ( XXXX days into the week ) since I deposited it on a weekend. I have no funds available to me and the hold will not be released untill XX/XX/year> a full XXXX business days after the deposit was made. According to the expedited funds availability act this is a violation of my rights as a consumer. I would have gladly taken the check to XXXX of my many other bank accounts but as they tell me it has been deposited. I definitely can't tell that it has, because I have no funds accessible. If I had been a " preferred wealth client '' this would have never happened. This check is the result of a publicly recorded real erstate transaction, it is from the trust account of a law office. They can not possibly possess ANY CREDIBLE information that it may not clear. They will not tell me what information they made there decision off of. They should have to fully answer as to the credibility of their supposed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried to get the credit bureaus XXXX, XXXX, and Equifax to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any " real '' investigation nor care that they are hurting hard working consumers who pay their bills on time. 

It is UNFAIR that every 30 days since XXXX, I have to take time to send letters, ID and etc to ask for them to delete XXXX XXXX account # XXXX from my credit report. I have sent bank statements ( PROOF ) that I was never late. 

I understand that the credit bureaus want to make money $ $ $ $ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. 

I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100 % accurate. 

I need to know how did you investigate this account? 

I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from XXXX XXXX. In addition, I pulled my most recent report from XXXX, XXXX, and Equifax on XX/XX/XXXX, and still see 7 discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code 1681a which states how you are supposed to investigate my consumer report. 

Did you ask XXXX XXXX # XXXX to supply their accounting records or you just took their word? 

Did you interview my neighbors? 

Did you interview my friends? 

Finally, how is it possible that everything is 100 % accurate for XXXX XXXX account # XXXX when my credit reports show the following inaccuracies : 1. Date Opened 2. # Of Months ( terms ) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You have violated multiple laws : 15 U.S. Code 1681 15 U.S. Code 1681a 15 U.S. Code 1681i 15 U.S.C. Sec. 1681i ( a ) I demand you delete this account from my credit report immediately! 

Account Name : XXXX XXXX Account Number : XXXX This is my 3rd letter requesting this account to be deleted and will hold you responsible for {$1000.00} per violation if this account is NOT deleted immediately! 

Send me an updated credit report showing that XXXX XXXX account XXXX had been permanently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I have contacted Experian previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
Product: Credit reporting or other personal consumer reports

I complained about the same issue in XXXX of XX/XX/year> and the company Transunion claimed it was working on the issue, but the issue persists. 

Their web site is not functional for applying or removing a credit lock which makes it a tremendously tedious and time consuming task to place or remove a credit lock as it needs a phone call with all the waiting and verification. I have been informed that due to a data leak my SSN number and other data has been leaked and I would like to be able to control my credit checks but with Transunion this is close to impossible. 10 months ago the stated they would fix this problem and it seems that more that reasonable time for this to be fixed has passed. 

Thanks
Product: Bank account or service

Huntington bank changed my regular savings account to a money market without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX XXXX  Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loanwith Uplift has been paid in full as agreed since XX/XX/2022. Uplift hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact Uplift directly with no resolution. 

A XXXX  loan with Uplift hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX regarding their failure to conduct a thorough investigation and provide the necessary documentation related to the inaccurate XXXX XXXX XXXX accounts that appear on my credit report. Despite my repeated requests for a comprehensive outline of the investigation, including all documents, contracts, and contact information for the furnishers, I have received nothing from either bureau. 

Background I initially disputed the XXXX XXXXXXXX XXXX  accounts ( Account Numbers : XXXX and XXXX ) in XX/XX/year> and followed up in XX/XX/year>, XX/XX/year>, and XX/XX/year>. My requests included : A detailed outline of the investigation process conducted by Experian and XXXX. 
Copies of all documents and contracts that were used to validate the accounts. 
Contact information for the furnisher with whom the bureaus communicated. 

Despite these requests, neither Experian nor XXXX has provided the documentation or proof required under the Fair Credit Reporting Act ( FCRA ). This failure to comply with the law has severely impacted my credit report and my ability to function as a consumer. 

Inaccurate Reporting and Discrepancies Additionally, I have identified a discrepancy in how these accounts were reported. Experian incorrectly reported a 30-day late payment, while XXXX reported a 60-day late payment. To my dismay, XXXX later matched their report to Experians without providing any justification or documentation for this change. On what basis did XXXX decide to align their report with Experians inaccurate data? This inconsistency is both unjust and damaging to my creditworthiness. 

Demands I am now making a very firm and direct demand for the following : 1. Immediate removal of the inaccurate XXXX XXXXXXXX XXXX accounts from my credit report by both Experian and XXXX. 
2. Compensation for the damages caused by the continued presence of these inaccurate accounts on my credit report, which has hindered my financial standing and ability to access credit. 
3. A detailed report from Experian and XXXX explaining how they validated the information, including all documents, contracts, and communication with the furnishers. If they can not provide this, the information must be removed immediately. 

Conclusion The handling of this situation by Experian and XXXX is unacceptable and violates the FCRA. I expect swift action from the CFPB to ensure that my rights are protected and that these inaccuracies are corrected without further delay. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} 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 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
Product: Mortgage

Ocwen Loan Servicing processed my mortgage modification request, and they added my daughter XXXX XXXX XXXX to the deed of trust and the Adjustable note of my home. My daughter lives with me and contributes to the household. Before the mortgage modification my property deed of trust and note was in my name only. The new note is Adjustable Rate Note and it will adjust out every 6 months and will adjust up to 16 % until the mortgage balance balloons out. I feel the current mortgage modification is setting me up to fail on my fixed income. I have resubmitted financials and request for mortgage modification to Ocwen to remove my daughter on the deed and note. I also want a fixed rate mortgage.
Product: Credit reporting or other personal consumer reports

the chime account on file does not match my chime account. my year of birth in incorrect. possible fraud. the balance shown is not mine.
Product: Debt collection

Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor refuses to delete incorrect and outdated data to the three credit reporting agencies.
Product: Student loan

Nelnet reached out about my consolidation request to say I needed to add another loan to be eligible. I sent the information by email and heard back within a day, with terms I am unwilling to accept. I have tried calling Neltnet several times. Their holds are excessive, and the phone system says estimated hold time is minutes without giving a number of minutes. I have tried to chat and cant get a human. I also sent them an email declining the terms, but their request states I must call them or they will proceed. How can I call if they refuse to answer? I want to be certain this consolidation is stopped, as I have attempted to get in contact many ways. I refuse a higher interest rate and want to keep things as is.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b XXXX separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX  XXXX XXXX and have a form of XXXX  XXXX by which i take XXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Product: Checking or savings account

What happened : I am filing this complaint against Juno ( CapitalJ Inc. ), XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX regarding the loss of access to my funds ( several thousands of dollars ) and their collective failure to properly handle, track, and return my deposits. 

Timeline of Events : XX/XX/XXXX : Opened a Online Checking Account with XXXXXXXX XXXX XXXX XXXXXXXX through Juno as per the a Direct Deposit Agreement was in my name and only supposed to accessible be me. 
XX/XX/XXXX : Juno moved my account to be a cash account managed by XXXX XXXX without my explicit consent and failed to properly inform me what would happen to my funds held at XXXXXXXX XXXX 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Unaware, I continued to have regular direct deposits to sent XXXXXXXX XXXX XXXX XXXXXXXX 's routing number ( XXXX ) XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX suddenly froze all transactions, including card payments, ACH transfers, and wire transfers XX/XX/XXXXXXXX XXXX XXXX XXXX Learned through court proceedings that XXXX claimed they couldn't access XXXX XXXX dashboard due to XXXX  filing for Bankruptcy. 
XX/XX/XXXX : Juno announced they were switching to a new banking partner ( XXXX ), leaving previous accounts frozen XX/XX/XXXXXXXX XXXX  : Received data breach notification from XXXXXXXX XXXX XXXX XXXX about a cybersecurity incident leaking my personal information on the dark web XX/XX/XXXXXXXX XXXX XXXX XXXX reconciliation process incorrectly reported my balance as {$0.00} and left me with my funds left missing and stolen. Upon calling the hotline they setup for the reconciliation payment, I was told by a person reading from a script that XXXX doesn't hold my money and doesn't know where it is. 

Key Issues : 1. My funds were marketed by Juno as FDIC-insured deposits, yet no institution is taking responsibility for their return 2. XXXXXXXX XXXX XXXX XXXXXXXX issued my account/routing numbers but now claims they don't have my funds and will not provide information to help me locate them 3. The reconciliation process has failed to properly account for direct deposits made to 4. XXXXXXXX XXXX routing number and doesnt match the XXXX ledger balance which has my correct balance. 
5. No clear explanation has been provided about where my money was transferred or who currently holds it Actions I've Taken : 1. Filed appeal through XXXX 's reconciliation website 2. Observed bankruptcy court proceedings for months. 
3. Maintained records of deposits and account statements from Juno. 
4. Attempted to work with all institutions to locate and recover my funds only to me ping ponged around back and forth between different companies pointing fingers at each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy at all times. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,