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

On XX/XX/2023, I sent a letter to all three credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all three credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau experian, XXXX, and XXXX to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from third parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from third-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all three bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.
Product: Debt collection

XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Transunion, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX XXXX XXXX. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account XXXX - Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( XXXXXXXX XXXX XXXXXXXX ( b ) ). However, my credit report contains the following inaccuracies : XXXX. The account reflects XXXX late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 
XXXX. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. 

These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( XXXX XXXX. XXXX ). 

I am requesting that you : XXXX. Investigate this account thoroughly : as required under XXXX XXXX. XXXX. 
XXXX. Provide written confirmation : of the results of your investigation. 
XXXX. **Remove or correct all inaccurate information** within the legally mandated XXXX timeframe. 

If this information can not be verified, it must be promptly deleted from my credit report per XXXX U.S.C. XXXX ( a ) ( XXXX ). 

Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Re :  Portfolio Recovery Acct #  XXXX  Last year,  Portfolio Recovery Associates  bought an old account from  XXXX   XXXX  and started attempts to collect it from me. As part of these attempts, it reported the account as a collection to a number of consumer credit reporting agencies, such as   XXXX    and  XXXX   XXXX .     I was concerned about the impact of this to my credit. I called and specifically asked  P.R.A. if they could request deletion of their tradelines to the credit bureaus if I paid and settled the account. I was told P.R.A.  was willing to do this, and I settled the account on  XXXX   XXXX ,   XXXX  .     As of  XXXX   XXXX ,   XXXX  ,  Portfolio Reco  very  is continuing to report the aforementioned account to the leading credit reporting bureaus. In fact, when I disputed the tradeline to  XXXX   XXXX ,  P.R.A . apparently told  XXXX   XXXX  the information should remain reporting to my credit and not removed.     PRA agreed to request deletion of this account once I paid off the debt, so this reporting should cease.   The  XXXX  debt was paid off in  XXXX    XXXX   and has yet to be removed from my record  three  months later.   I request that this account be deleted, as promised, since I upheld my side of the agreement.
Product: Credit reporting or other personal consumer reports

Inaccurate payment history was reported by XXXX XXXX. It all began when I requested a credit report and I XXXX  that XXXX XXXX  reported 30 days late on my credit report, I immediately called XXXX XXXX  to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXXXXXX XXXX XXXX didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX XXXX  to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Product: Mortgage

The companies are not willing to talk with me regarding their actions to file a notice of Default in a old intrest only home loan in XXXX. They disconnected my call to the company regarding there notices of default. 

XX/XX/XXXX was first letter regarding notice of default on my property. They are saying amount owed is {$180000.00}. that is to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XXXX- XXXX ; XXXX 2.XXXX XXXX- XXXX 3. XXXX- XXXX 4. XXXX XXXX  XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX 7. XXXX  XXXX 8. XXXX ; XXXX ; XXXX 9. XXXX XXXX 10. XXXX- XXXX 11. XXXX XXXX  XXXX 12. XXXX XXXX 13. XXXX 14. XXXX 15. XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here it is two years later and I can not access my EQUIFAX credit report and I have already filed two complaints. I am thinking of going to meet with legal counsel because they will not rectify the matter. 
Previous complaints filed : Report XXXX Date XX/XX/XXXX I requested my information from Equifax in XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still, my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed on XXXX and still, my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call I'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect. 

Report XXXX Date XX/XX/XXXX Currently, there is an open investigation on Equifax with CFPB # XXXX. Equifax mailed me an updated credit report XXXX ( it showed on my XXXX dashboard ) stating they have corrected my DOB. That is incorrect, my DOB is XXXX now they have changed it to XXXX. Why can they not correct my information to the correct information and I submitted a Government-issued ID.
Product: Credit card

After I partially paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. Two weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Also, during the call, I was told that I have open " pay over time '' plans ; I declined, referring to screenshots confirming that all plans were paid off, as well as while checking open plans during the call, none were open. Two days later, I received a phone call from American Express confirming that they had a glitch in the system and that I did not have any open plans. 
In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX and 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature
Product: Payday loan, title loan, or personal loan

i applied for an XXXX dollar personal expense loan with navy federal credit union yesterday ( XX/XX/18 ) and today it was denied. so i did an appeal and the appeal was denied. but i asked the rep to notate that i wanted them to repull my credit for the appeal but they never did. i know because i get alerts when my XXXX  is pulled. they pull XXXX  for personal loans but this time they didnt bother pulling my credit. they are bad for business. at the end of this month i am closing my accounts and no longer doing business with them. i am going to report them to the department of justice soon
Product: Payday loan, title loan, or personal loan

I think it was back in XX/XX/2018 I went to a weight loss center. They said I could finance my program through Green Sky. They used this little tablet to pull everything up and only showed me bits and pieces of the loan that required my signature. Never told me the details of the loan. Ended up being a {$3000.00} line of credit but they didn't tell me that the {$3000.00} needed to be paid off in a short period of time or else there would be another {$3000.00} added to it in interest charges. Plus this company Green Sky is always tacking on some kind of fees. The Actual Lending company says it is XXXX XXXX, a Mississippi banking Corporation. Problem is I can't pay what they are asking me to pay. My XXXX yr old mother co-signed this and neither one of us realized what it was until it was too late.. Can you please help me with this? I take care of my mother ( she lives with me ) and I feel like this Weight Loss center duped me into signing something without giving all the details. It is their fault as well. Green Sky says they can't do anything to change the loan agreement and is sending me past due letters and calls. A copy of the contract is attached however when I signed this, it was on a small tablet screen and only showed where to sign not the details. That is why I feel like I was duped into this. Please help.
Product: Mortgage

We sold a property having a mortgage with Caliber Home Loans on XX/XX/XXXX and Caliber has over {$2300.00} on escrow that they have not disburse. Unfortunately my father passed away on XX/XX/XXXX which was the borrower on the account but I'm a trustee as well as my mother on the Estate. On XXXX of XXXX we sent a package with all possible documents they might need to add me as a successor in interest which they said was the process for them to disburs that check. 
We sent death certificate, trust, statements and picture ID The first package they stated they never received so we have to resent everything again After they receive the 2nd package they started asking for documents that they already had like Evidence that ownership interest was transfered to me. This is already stated on the trust. We resubmitted the trust. 

Every time we sent documents they take over 30 days to send me a letter the only way to communicate with them because they don't speak to me saying I'm not authorized on the account and they aren't legally able to give me any information We have XXXX letters from them asking us to send documentation to different addressess. 

We call almost everyother day to get some information and the only thing they say is that it usually takes 48 to 72 hours from they day they receive documents to upload it on the system. 

After almost 2 years we strongly believe they want to keep us on a legal loopwhole to avoid disbursing the money on escrow funds We really need help because this is detrimental and tiring to go through this
Product: Vehicle loan or lease

I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of dated for XX/XX/2021. I have an inquiry from ALLY FINANCIAL on XX/XX/2021 for a car that I purchased with the contract date of XX/XX/2021. I have never authorized ALLY FINANCIAL to authorize ANOTHER credit inquiry on XX/XX/2021. I already had my car and contract was signed and dated by that date. 

Because I did not apply for credit with ALLY FINANCIAL  on that date XXXXand I only have ONE account with ALLY FINANCIAL I am asking that they remove the XX/XX/2021 inquiry from my credit profile.
Product: Mortgage

The Firm did respond to the prior complaint and debt verification request on XXXX and provided same in response to the prior CFPB complaint on XX/XX/XXXX by attaching same letter. Letter mailed on XX/XX/XXXX is attached here for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$50.00} payment was sent from my XXXX XXXX XXXX - Checking Account to XXXX on XX/XX/XXXX instead of XX/XX/XXXX due date. Reason : Post office placed my mail on the wrong apartment mailbox. Therefore, XXXX Credit Card Rep ADJUSTED XX/XX/XXXX LATE FEE on XX/XX/XXXX, but failed to remove the corresponding finance charges of {$1.00} at the time. This failure on their part, resulted into later months statements balance. Refer to statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition, refer to transactions obtained from bank pertaining XXXX XXXX Card all these years and never late. You can also see that now in XX/XX/XXXX I am being reimbursed by XXXX XXXX {$1.00} for that " supposed '' late payment on XX/XX/XXXX. This whole issue of late payment for {$1.00} is greatly impacting my credit report and credit score in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to the credit bureau. 
The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation.

They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.

2. The date they contacted the individual furnishers of information.

3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a auto loan with Westlake financial. The loan was paid in full XX/XX/18. Over 90 days later, the loan still shows that I owe over 4,400 on the loan. I have contacted Westlake numberous times without any success. Westlake has send me the pink slip showing the auto is paid in full, but will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding innacurate and unknown thing on my credit report to the 3 bureaus, XXXX, Equifax, XXXX. To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was involved by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

They were credit cards taken out in my name and my wifes name and we have tried to get them to come off and no dice we have been through three credit repair services over the past two years and theyve done absolutely nothing but take our money and Trans Union for some reason had my score 100 points lower than the other twoAnd now I have collections on my report thats not even mine and theres stuff on there that shouldnt be there Ive been challenging for a long time and it seems like they dont pay attention to me Im getting tired of it I hope you can help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX