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

I disputed inaccurate information that was showing on my report named members XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX XXXX are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with XXXX XXXX I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, recently acquired a credit report from Experian and XXXX on XX/XX/year> and Noticed the statements are incomplete and inaccurate in accordance to the Fair Credit Reporting Act. 

Whereas, 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. 

These accounts XXXX XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C . 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

These accounts XXXX XXXX XXXX Account # XXXX, are not complete and accurate according to 15 U.S.C. 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately. 

XXXX XXXX XXXX  Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately.
Product: Debt collection

XXXX SUV Reposessed by Credit Acceptance XXXX - Judgment placed against me by XXXX XXXX XXXX XXXX XXXX on behalf of Credit Acceptance for Balance of Original loan less sold value, plus interest XXXX - XXXX Garnishment From wages to pay balance XXXX - Called XXXX XXXX XXXX XXXX stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. XXXX XXXX XXXX XXXX stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XXXX/XXXX/XXXX. 

Ive sent requests in writing to Credit Acceptance, and XXXX XXXX XXXX  XXXX for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with Credit Acceptance who said I needed to speak with XXXX XXXX XXXX  XXXX on the matter. XXXX XXXX XXXX XXXX could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XXXX/XXXX/XXXX, they have taken almost {$600.00} in additional garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves Bank of America reporting a closed savings or checking account ( I believe ) for suspected fraud activity although I have reported to them that this account is not mine and must be the result of ID theft. When I found out about this reporting I alerted XXXX  via online dispute and Bank of America sent a one page internal screenshot of a form with my name typed into it. So XXXX  marked as verified although I am not sure how that verified anything. Subsequently, I called Bank of America and after several hours I finally got to report the account as fraudulent and I was sent a Uniform ID Theft form to be filled out, signed, and returned with a copy of my ID ; which I did. A couple of weeks later I receive a letter from Bank of America saying that no ID theft was detected and this blemish remains on my consumer reports ( i.e. XXXX, XXXX, etc. ) although Bank of America has amended to include SETTLED IN FULL in the Closure Status line. How is this legal, moral, just, or ethical? Bank of America has yet to tell me why this was even suspected of fraudulent activity. All I have received from them is that one page mentioned earlier. Nothing that I signed, no real account info, nor any kind of insight into why they are refusing to remove this against proper procedure and various consumer protection laws. I have been forced to postpone the opening of a law practice and other business ventures due to this incorrect and fraudulent reporting. I can not obtain a proper business bank account and take advantage of business banking offers, etc. Moreover ( and more importantly ), I have no chance at being able to open an XXXX account for my law practice, thus costing me substantially. Not to mention as an attorney and seeking employment, having a suspected fraud negatively reporting on my consumer reports is long dead end road that I did not even know I was on. I have even sent Bank of America a verification page that my info/data was stolen in the XXXX Data Breach of 2017 among other numerous data breaches. This account is not, was not, and will never be mine. I don't know what else to do to get Bank of America to understand this. It seems to be some one of those internally started accounts probably for some promo for sales people or something. I DON'T KNOW! ALL I DO KNOW IS I ( THE PERSON THEY ARE NEGATIVELY REPORTING IT AGAINST ) HAD NOR HAVE NOTHING TO DO WITH IT AND IT'S NOT RIGHT THAT THIS BIG BANK WHO GLADLY RECEIVED OUR BAILOUT FUNDS CAN NOT HAVE PROPER PROCEDURES IN PLACE TO ENSURE THESE THINGS DON'T HAPPEN AND WHEN THEY DO MAKE SURE THEY ARE NIPPED IN THE BUD AND NOT AFFECTING THE LIVES OF EVERYDAY PEOPLE JUST TRYING TO MAKE IT. IT'S DISGRACEFUL, DISGUSTING, SHAMEFUL, AND UNJUST
Product: Credit reporting or other personal consumer reports

I signed up for the Experian app for credit monitoring services. There were a few items on my credit report that weren't mine that I disputed, but they put back on after a while. Likewise there were items that should've been removed, but they are back causing my score to appear lower. I can't get an accurate score with this information still on there.
Product: Checking or savings account

Around XXXX XXXX XXXX I opened a new US bank smartly checking account I then deposited XXXX of my paychecks into the account I may have deposited XXXX however my account balance was about {$1200.00} about XXXX  days later I went to the ATM to withdraw some of my money and my XXXX card was declined so I called the bank and they said they were closing my account due to a identity verification and that I would have to wait XXXX days to receive my money back out of the account so I waited almost XXXX months I called again and they told me to go into the physical bank location and I would be able to receive my money when I got there the lady told me that due to the fraud department for US bank doing an investigation I can't receive my money and told me that there was nothing I can do about it and that I just had to wait until the investigation was over and this type of thing can last 6 months so here I am a year later and I am still trying to get my money because I am not rich and I need it to get by day to day and the bank told me that the money was removed from the account and they have no more information on the money and I never got an explanation or anything please help me
Product: Mortgage

We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. 

In the summer of XX/XX/XXXXOCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXXas well. 

I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 ) week period I spoke with numerous OCWEN  customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and was told that XXXX had not provided them with a copy of the policy. XXXX provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. 

OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. 

As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. 

I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. 

Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

Any attempt you could provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX USA by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX USA and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Debt collection

After sending multiple letters to Midland Credit as well as an validation of debt letter and a cease and desist regarding an alleged debt. I received what appears to bank statements as proof of verification that the so-called alleged debt is indeed mine. But it is not mine XXXX XXXX ' debt I never signed a contract nor gave my social security number to Midland Credit Management nor XXXX the so-called original creditor. Pursuant to 15 USC 1602 ( e ) " person '' refers to a natural person. Also pursuant to 15 USC 1692a ( 4 ) a Creditor refers to any " person '' who created the alleged debt. Therefore you are attempting to state I, XXXX XXXX, the natural person created the alleged debt but I did not. You said the last four of my social security number was used to open the account but I never used the last four of my social security or signed a contract with you and XXXX to open this account. Pursuant to 15 USC 1692g only I the alleged creditor/natural person can verify this alleged debt and only you the debt collector can " ASSUME '' the debt is valid. An assumption is not fact and which is why pursuant to 15 USC 1692g ( c ) it also states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I'm not liable for this alleged debt that is not mine and in no way can you nor a court interpret otherwise, not even if I did not exercise my right to attempt to validate beforehand.
Product: Bank account or service

I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.
Product: Credit card

I closed the credit card I was using. This caused my credit to be tainted for more than 10 years. I have no credit age.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX  Date of inquiry XX/XX/XXXX
Product: Credit card

In XX/XX/XXXX XXXX discontinued its credit card affiliation with XXXX and moved it to Barclay. First we pay all credit cards in full each month. When the conversion took place there was no balance due XXXX, however we did have a disputed item for a medical bill with XXXX for {$1000.00} which we have since been reimbursed for by our health insurance provider and Barclay has been paid too. 
As of XX/XX/XXXX this matter is still not resolved and Barclay says we owe them {$3100.00} which includes interest charges. For one year I have asked for details and NONE received, I have written directly to The Office of the President and they have not resolved the problem. I have tried almost 20 times to get this matter resolved!!!!!!!! 
In the mean our credit rating has dropped several points. 
How can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX Inquiry from XX/XX/XXXX Bank Procred Inquiry from XXXX XXXX, XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX See attachment from equifax please remove all fcra 605 b
Product: Mortgage

I called the bank ROCKET MORTAGE ON THE XXXX XXXX, which was the one that had prequalified me, saying that the same loan company SELFi that worked with them, had not done their job well, they asked me for a series of documents and I signed many others, which I had to insist on, because we were under contract and this lender had a time to collect all the documents, I was prequalified for XX/XX/XXXX and on XX/XX/XXXX he reviewed the documents, without saying that they were urgent from previous days, when I sent him some documents he said that I did not have sufficient funds for the closing, so I told him to send me a formal letter because I had been denied the loan and the lender did not want to do it, he did not respond to my emails again, he got rid of me like garbage, if he did not have the money it was of no use to him, I contacted the XXXX of the XXXX company as the ROCKET mortgage bank said, and he got the letter for different reasons but I had not completed the documents, I told them that I had become unemployed and yet I was willing to complete them as the denial letter said, but obviously that XXXX XXXX said that he did not have funds and did not want to support the letter on those reasons, I CALLED ROCKET 10 TIMES OR MORE AS A LENDING BANK AND THEY DID NOT RESPOND EITHER ... AS THEY PREQUALIFIED ME, I HAD TWO CARS IN DEBT, HOWEVER I THOUGHT WELL THEY LEND LIKE THAT, THE LENDER WAS IRRESPONSIBLE FOR NOT BEING EXHAUSTIVE IN LOOKING AT AND ASKING FOR THE DOCUMENTATION, MAKING FALSE EXPECTATIONS AND NOT BEING CLEAR ABOUT THE REASONS FOR DENIAL, AND BY MAIL YES STATING THE RELATIVE REASONS, ROCKET MORTGE MADE ME HOPEFUL AND I GOT INTO A I SIGNED A CONTRACT AND I AM ABOUT TO LOSE MY EARNEST MONEY ON THIS HOUSE, BECAUSE THE SELLERS ONLY ACCEPT DENIALS FROM THE BANK DUE TO LACK OF FUNDS, NOT DUE TO LACK OF DOCUMENTS... THEY FAILED TO OBSERVE THEIR ETHICS OF BEING CLEAR AND HONEST AND SHOWING THEIR FACE FROM BEGINNING TO END, THEY LEFT ME ALONE, SOLVING THE PROBLEM, NOW NO ONE ANSWERS
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires I did not authorize and done without my consent
Product: Consumer Loan

I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS.