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

I have not know of this XXXX  account this account does not appear on any of my other credit reports XXXX this account violates FCRA laws 15 U.S.C Sec 1681i ( a ) to report accurate and complete information Re : Letter to remove inaccurate credit information This account is not mines I have asked for the account to be verified and validated Both TransUnion and XXXX  have been reporting incomplete and inaccurate information I have contacted Transunion several Times about my report and I feel they have fail to abide by the FCRA law 15 U.S.C Sec 1681i ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023 I got a notification from my credit monitoring agency that XXXX pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. XXXX has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies. 

NOTE : In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IA XXXX **Subject : Complaint Regarding Inaccurate Information on Credit Report** Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported on my credit report from Experian concerning an account with XXXX Bank ( Account Number : XXXX ). 

**Account Details : ** - **Original Creditor : ** XXXX Bank - XXXX Type : ** Secured Card - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed, Charged Off - **Balance : ** {$890.00} ( written off ) - **Past Due Amount : ** {$890.00} as of XX/XX/XXXX - **Credit Limit : ** {$400.00} - **Highest Balance : ** {$890.00} - **Last Payment Date : ** XX/XX/XXXX - **Monthly Payment : ** Not specified - **Terms of Responsibility : ** Individual **Issues : ** 1. The account was charged off, and I believe the reported balance and past due amount are incorrect. The account shows a balance of {$890.00}, which has been reported as written off.

2. The account was previously in dispute, and while I was informed that the investigation was complete, the information reported does not reflect the resolution of my dispute.

3. I believe that the reporting of this information is having a negative impact on my creditworthiness.

I request your assistance in reviewing this matter and ensuring that my credit report accurately reflects my financial history. I would appreciate any guidance on how to resolve this issue and correct any inaccuracies that may exist. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]
Product: Vehicle loan or lease

I had a vehicle loan with Ally. They mistakenly applied funds to my account showing it as paid in full. This was brought to their attention and they reopened my account on XX/XX/21. However, my account is showing past due for XXXX. I could not pay my payment in XXXX because the account was closed. They now expect me to make two payments in XXXX to account for a mistake that was solely theirs. I dont think this is fair.
Product: Debt collection

In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.
Product: Mortgage

On XX/XX/2020, my wife and I locked in an interest rate with Provident Funding to refinance our current mortgage. We were given a good rate and were asked to sign a bunch of disclosure documents. While going through all of the disclosure documents and signing practically every page, one document struck my eye " Affiliated Business Arrangement Disclosure Statement ''. I read through the entire document where Provident Funding claims that they have a business relationship with XXXX ( the XXXX XXXX XXXX, AKA " XXXX '' ). Neither my wife nor myself were asked to sign this disclosure, so I didn't think twice about it. 

We paid for the appraisal and had the appraiser come to our property to conduct the review. Not only was the appraiser rude but also very condescending. We went over all of the updates that we performed in the property and offered to provide receipts showing what we spent. He rudely stated that all of the updates that we did added no value to the property. 

Once we received a copy of the appraisal it was clear that appraiser wasn't familiar with our area, didn't provide proper valuation of our property, and didn't take into account any of the updates that were performed. He used houses that sold well over 6 months prior and houses that were in worse locations. Also, the appraiser didn't incorporate most of the updates that we performed. 

Once we began the process of appealing the decision we did more research the XXXX ( XXXX XXXX XXXX ) is actually owned by the lender Provident Funding. The XXXX is supposed to be a separate third-party, but instead Provident Funding started their own company to XXXX over their own customers. The XXXX is the company who decides what appraisers they use, which is not only unethical but should be legally not allowed. Provident Funding is  utilizing appraisers that give themselves better terms and forcing people like me to pay Private Mortgage Insurance ( PMI ) for a longer period of time. For us, if we would have received the valuation that we know we could sell our house for we would be able to completely eliminate our PMI. 

So while Provident Funding gave us an artificially low evaluation of our home, they also didn't require us to sign the disclosure form, thereby no longer clearing them of their conflict of interest. No customer should be forced by a mortgage company to use an XXXX owned by the mortgage company. We pleaded with Provident Funding to  reconsider our appraisal and allow us to pay for a second appraisal, however they said no to both. This is utterly ridiculous and the CFPB should care about consumers getting scammed out of {$10000.00} or more in equity because they control the appraisal process.
Product: Debt collection

I never know I have debt for XXXX XXXX in XX/XX/2014 for something I already done with XXXX XXXX in the pass why now they want to take money for me they send me in credit report when I try to call them they told me my name was writing wrong they have my same address they need to do better do try to steal people money bill for XX/XX/2014in never talk to me never send any bill Im just found in credit report chapter XXXX XXXX  some of them waypoint resource groupe. {$600.00} they said XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I just found out today my Bank of America XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX On XX/XX/XXXX, I received my results from dispute 's I started on the telephone I started a new investigation to dispute the account on my credit report, to a XXXX balance, and would receive results of the investigation online in my email. I got my mail on XX/XX/XXXX and received my results from my investigation, which was supposed to be emailed to me, stating there is a balance due, in collection, and will be removed on XX/XX/XXXX, from XXXX  XXXX   XXXX  for {$1400.00} ; XXXX XXXX XXXX  XXXX XXXX for a charge off of {$1800.00} and will be removed on XX/XX/XXXX ; XXXX XXXX XXXX  for a charge off of {$1100.00} and will be removed XX/XX/XXXX and XXXX XXXX XXXX for a charge off of {$5300.00} and will be removed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies present in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you furnish substantiating proof for the adverse status attributed to my accounts. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by the apparent lack of due diligence on your part and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, CA Employer - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Student loan

In XX/XX/2023, my student loans were forgiven as part of the Public Service Student Loan Forgiveness Program. This has not been updated to reflect on my credit report. I have called several times. They always say it will be updated next month but it never is. The last time they reported to the credit bureaus was XX/XX/2023. That was six months ago.
Product: Credit reporting or other personal consumer reports

delete community financial cu in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my credit from XXXX, XXXXXXXX XXXX XXXX XXXX ALLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX XXXX XXXXXXXX, XXXX. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since last XXXX to cancel the subscription and EVERY time, no matter the time of day there is over a 2 hour wait, and this is not just me - the XXXX  has a 98 % negative reviews - and most have the same complaint. Phone is the only way to cancel and this practice is designed specifically to stop people cancelling. They should be prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX  account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company called XXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.
Product: Debt collection

This Debt was filed and is on my credit report listed as charged off amount owed {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX filed the collection against me and sent to collections through XXXX. XXXX XXXX XXXX. I filed a dispute with XXXX, XXXX and Equifax. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. Equifax has not deleted this collection from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following information off my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), Metro 2 compliance standards, and Fair Credit Reporting Act ( FCRA ) for the following disputed accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX - 1st Account ) XXXX XXXX ( Account # XXXX - 2nd Account ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) I dispute the accuracy and validity of these accounts and request full verification before any further collection or reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to do any hard credit inquiries. I have nothing to do with them or did not apply for anything in the past 60 days with any company.
Product: Debt collection

XXXX @ XXXX XXXX mountain time. 


text message received " XXXX XXXX Our office has been notified of a return check. To prevent your file from being turned over to the Check systems call our office today. A Claims Specialist can be reached at XXXX. '' The number is a Hypertext link. 
In my opinion, this is timed with the Federal checks set to roll out to tax payers.
Product: Credit reporting or other personal consumer reports

FCRA viloations not my XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX type Single family not my phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX account number XXXX Sincerely, XXXX XXXX XX/XX/1988 XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. XXXX   completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XX/XX/XXXX, I was then notified on XX/XX/XXXX that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove Chex Systems information as well.
Product: Debt or credit management

XX/XX/ I started dispute negative inquiries, in the process of doing so numbers of inquiries kept going up more. I've frozen credit till I resolve my identity back. I was hack it went from XXXX to XXXX inquiries with in a hour in herd of.
Product: Credit reporting

I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen!
Product: Credit card or prepaid card

I have an on-going claim with XXXX XXXX XXXX via. Chase Sapphire Reserve for over 2 months now for Purchase Protection ( XX/XX/2021 ). I submitted all proper documentation during the submission of the claim and then was told XXXX XXXX XXXX needs to verify with the merchant that the item was purchased and was not returned. I submitted all credit card statements but still this verification was needed for the claim to proceed. The request was sent by Card Benefit Services/Eclaims Line to the Chase Verification Department on or about XX/XX/2021. I've checked on the claim and status of this form, possibly about 8-12 times during the past two months. I've received no progress or updates on this claim since it was submitted and keep being told that the department is just backed up. Recently, I've been told that the request for the Chase Verification has been sent to an inbox that is corrupt, from the Chase Verification Department since XX/XX/2021, and therefore has not been received by this department. I've asked for a call back from management numerous times and have been kept on hold for as long as 1.5hrs while waiting for one, only for the line to disconnect. Chase Purchase Protection via XXXX is a scam and is meant to work against, rather than in favor the consumer.