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

The credit score Experian presents to me on their site, where I login, is not the score Experian shares with an institution using their services, be it soft or hard pull, to check my score. The score differs by XXXX points! I felt confident enough even with a weak score of XXXX to apply for a refinance on my vehicle. Come to find out Experian reported to them a current score of XXXX. Now I have yet another hard pull on my credit. This is not the first time Experian has deceived me. As an individual with XXXX, I believe the information from one of three possible credit lords should be accurate. They are quick to inform me about a hard pull but not so much on building a false sense of confidence whilst remaining ever loyal only to the system they answer to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a 1 time forgiveness of the late payment. ( Basically I had to qualify for the 1 time forgiveness ) So now in reviewing my credit report from the last update XXXX gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it XXXX says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT. 

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this notice is to inform you of the Fraudulent accounts that are being reported on my consumer report. I have attached documents for your review. Please remove them immediately for they are tarnishing my financial situation. Thank you. This is not a XXXX party filing this complaint.
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. 
Account name : XXXX XXXX XXXX account number ending in XXXX has violated my rights. 

And according to the fair credit reporting act 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. RESURGENT RECEIVABLES LLC account number ending in -5702.
Product: Credit reporting or other personal consumer reports

This marks the fourth time I am submitting a complaint, and I am following up to address the upcoming credit report update within the next 15 days. While I am grateful for the efforts made to remove some inquiries from my file related to the alleged identity theft, there are still remaining items that require attention. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically # XXXX. I would like to emphasize that the items in question are not associated with any transactions for goods, services, or money that I have either made or authorized. Therefore, I kindly request the removal of the following items from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Spoke to XXXX then he transfer me to XXXX XXXX who didnt even understand the reason for my call or pretended not to understand. Where I needed to correct a dispute. 
I have try to call the dept XXXX times before and not able to get anyone to assist The XXXX  when I asked to speak clearly he purposely spoke far away from the phone making it impossible to understand him. They both were at the dispute department.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that were not correct. I sent the letter to LVNV funding LLC certified mail in the month of XXXX XXXX, XXXX, and XXXX but it has been more than 35 days still havent responded to my letter. thats a violation of 15 USC1681i
Product: Checking or savings account

I went to the My Wells Fargo branch on XX/XX/XXXX to apply for XXXX and was told all applications would be made online and the website would be ready on Monday XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX  theWells Fargo website stated they would no longer accept applications. 
I never had a chance to apply.
Product: Credit card

I recently checked my credit report and noticed accounts in collections and inquirys that i did not authorize. I also noticed addresses i have never lived at.
Product: Credit reporting or other personal consumer reports

Experian continues to verify XXXX XXXX XXXX account information that they know does not meet the criteria of the FCRA. 

Several disputes have been submitted for this account to be deleted, with each resulting in the account being verified or inaccurate information being updated. Documents validating incorrect and false information have been provided, and this account remains in my credit file. 

The balance, payment history, payments, type of account, and all information reported to Experian are inaccurate and false. 

Experian has violated the agreement it made with the XXXX back in XX/XX/2017. 

The creditor has been flagged on the XXXX XXXX website and due to technical issues never had a complaint filed through CFPB. They have continued to verify this information knowing that Experian will not delete it.
Product: Mortgage

AZ lender Weslend Financial XXXX, NMLS XXXX is running ads on AZ radio advertising 2.1 % interest rates, which I believe is a triggering term, without any additional info on type of loan, term, or down payment.
Product: Debt collection

I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). 

I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. 

I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). 

they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. 
THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... 

Do you need me to submit all the documentation again? 

they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sentXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had XXXX sccount with synchrony. Had never missed one payment never late. Credit score good XXXX percent payments. Then on XX/XX/2022. They closed all account. And all they say is high risk for failure To pay. I've never been late ever. One card had just got in XXXX. There ruining my credit I worked so hard to build. This is so so wrong. Yet u go apply for a new card and they approve u. So u get another hit on credit. And lower average time of having credit. But that's what they tell you go reapply. This does not make sense to allow a company to do this to good paying people. That work hard to keep payments up and good credit.
Product: Mortgage

I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. 

( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. 

My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. 

( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. 

XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. 

( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.
Product: Prepaid card

A previous complaint was submitted under XXXX. 
On XX/XX/XXXX at XXXX, I went to a local XXXX XXXX to fund my Bluebird prepaid card. Shortly after at XXXX, I was notified via email that my account has been temporarily suspended. I called the number on the email at which the customers service representative told me that they can not provide a reason why my account is suspended. From this point, I did not have to access to my funds of which is used to pay for vital services such as rent, utilities and medical bills. The only recourse was to write a letter to Bluebird to ask why. I was also told that they will review my account and get back to me within 1-2 business days. The dire need for my funds was not met. On XX/XX/XXXX at XXXX, after not receiving notification within the 2 business day window, I called Bluebird. Shortly during the call at XXXX, I received and email stating my account is permanently suspended. Access to any of my funds is completely locked. I requested access to my funds only to be told I had to write a letter to beg for my funds to be returned to me. At the time of this complaint I had at least {$3000.00} in this account. 

On XX/XX/XXXX, the complaint was referred to OCC. 
On XX/XX/XXXX, OCC in turn has advised me that CFPB has oversight over this matter. I am once again re-submitting this complaint to seek recourse from Bluebird via the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury. 
2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all 3 credit bureaus about a charge-off account that in my name. I stated in my letter that a document showing that I signed for the loan amount was accurate. The credit bureaus and navy federal did not produce any documents that verified I owe the amount of XXXX to the navy federal bank. XX/XX/2020 is the date I sent my dispute letters and XX/XX/2020 is when I received my response
Product: Vehicle loan or lease

On XX/XX/2019 I was at a work meeting with my Administrator and CFO of our company. A call came through my Administrator 's personal line from Regional Acceptance Corp ( Loan company ) regarding payment due on my vehicle. i am currently behind 1 month, which is being paid on XX/XX/2019. The representative told my Administrator that this was a " personal '' call. Embarrassed, I had to take the call in front of my Administrator and CFO regarding this " personal '' issue. The embarrassment of having my personal issues reported to my employer is not the way to do you business. Now, they will continue to contact my Administrator. I had to hear my Administrator speak to my about receiving " personal '' phone calls at work, with regards to my personal matters. I have requested to have that number removed from my file. The young lady I spoke to is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to delete the XXXX  account for {$140.00}. Its an error on my report and it doesnt exist on the other two bureaus. Every time I dispute showing proof they ignore it and continue to report it as verified this is harming me for obtaining credit and I need this account deleted. In the files you can clearly see the account doesnt exist on the other bureaus. They are in violation of the fcra reporting inaccurate information on my credit reporting files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed any payments. The payment history is reporting inaccurate. FORTIVA already agreed to update my payment history and has yet to do so.
Product: Debt collection

The company calling themsleves Empire Solutions Group is using a tatic hereby spoofing their nubmer to show as a local number from my area code. The message they leave sstates to call back to XXXX but shows as coming from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reach out to the XXXX credit Bureau and as well a creditor I dont have any contract the with XXXX I do not owe them any equipment the address that is displayed does not belong to me as well on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally dispute an inaccurate balance that is being reported on my credit report by the following three companies : 1.HYUNDAI FINANCE XXXX XXXX XXXX XXXX Each of these companies is reporting that I owe a balance related to a repossession, which I believe is incorrect. I am requesting that these companies provide accurate reporting information, including a detailed validation of the debt in question, so that this matter can be resolved.

Specifically, I ask that the following actions be taken : Validation of Debt : Please instruct each of the above-listed companies to provide me with accurate and complete documentation that substantiates the amount they claim I owe.

Correction of Credit Report : Upon review and confirmation of any inaccuracies, I request that the account as a whole be promptly removed from my credit report.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it.

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I expect a thorough investigation into this matter.

Thank you for your prompt attention to this issue. I look forward to receiving confirmation that my request is being processed, as well as updates on the status of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. 

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I got scammed by the loan company gave me a loan for XXXX and they will slowly take more than that up to XXXX from my account
Product: Mortgage

I made an additional payment to my mortgage and it was not applied correctly. I contacted the company 6 times to correct, but it is still wrong.
Product: Money transfer, virtual currency, or money service

I made an international transfer of XXXX USD on XX/XX/XXXX from my Bank of America Saving account to an account in XXXX XXXX. I had never have any issues with international wires before. My recipient never got the money. I called Bank of America several times, they were able to track my transfer and said that the recipient was not able to receive it so the money was been sent back to my account. It was supposed to be back in less than 5 days, its been a month and I have not have my money back or any update. Every time I have called I have to wait more than 40 minutes to have the same answer " we will look into it and you should have it back '' with no option for follow up. 

I have called on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX with no luck. I had emailed costumer service as well with no information. This is my money and the transfer back should be in my account with no issues.