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

I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check the papers? Some listed accounts have incorrect reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company falsely stated that I paid on time for XXXX months on a inactive account. These XXXX false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.
Product: Mortgage

I applied for a mortgage do to relocation an after initial credit report authorization i decided to shop around due to loan estimate I received. 

I contacted a mortgage broker through United Mortgage Wholesale an they keep pulling my credit multiple times on different days. 

Id like to file a complaint against the company for pulling my credit file on multiple days without my approval or authorization to pull multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXBalance : {$350.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Account was opened for {$5000.00} in store credit. Furniture and tv was purchased. Items were delivered as broken tv and the incorrect furniture the same day. The tv was swapped for an opened no box used tv. I complained that no registration documents were provided for manufacturers warranty and the furniture was not what was ordered. The company refused to take return of the items. 48 hours after purchase I contacted the financing department to cancel and returned the items within the 72 hour cancelation window stated in the purchase agreement and the store had refused and stated they will just negatively impact my credit. 5 years later the creditor marked this account on my credit report as charged off after falsifying that I had made the first 3 payments and reported the items as  repossessed however they items were never repossessed and I have never made a single payment. They have also made the false amount to be almost {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I made an application for a motor vehicle lease through XXXX XXXX  XXXX. The entity servicing the lease is Toyota Motor Credit. I authorized only ONE credit report to be pulled in connection with that application, nevertheless both XXXX XXXX XXXX and Toyota Motor Credit each pulled separate reports, resulting in two hard reports on my credit profile, which significantly lowered by credit score. I never entered into any financial arrangement nor made any application to XXXX XXXX XXXX for credit or a lease. The transaction was with Toyota Motor Credit. 

Since discovering the two hard credit pulls on my credit report I have been attempting since early this year to remove on of them. The credit agencies involved ( XXXX, XXXX and XXXX ) refuse to even acknowledge my complaints, and XXXX XXXX  XXXX and Toyota refuse to withdraw one of the reports. It is improper to pull two hard credit inquiries for the same transaction.
Product: Debt collection

While I had this card, I was going through a really tough time in my life. I had lost my grandfather ( who was my father figure all my life ) then I had to check in to XXXX  because I was having trouble dealing with my grandfather 's death. I was hoping that they could forgive me because I went through a life-changing hardship. It was due to this fact that i became so behind on my payments. I am hoping for this chance so i can start over and start building a better credit score for my future. Thank you so much.
Product: Mortgage

We received a letter from our mortgage lender, Caliber Home Loans, posted XX/XX/2022 in regards to our request for assistance. The letter was as arranged repayment agreement made between Caliber and my husband and I to bring our account current since we were unable to make payments for two months due to income reduction. The letter stated " The total Arrearage Amount due as of XX/XX/2022 is {$1000.00} ... the specific conditions of the agreement are as follows : XXXX. The first payment in the amount of {$920.00} shall be remitted ... on or before XX/XX/2022 XXXX. A subsequest repayment plan monthly payment is due on XX/XX/2022, in the amount of {$1300.00}... 
XXXX. Your scheduled repayment plan monthly payment is comprised of your current monthly payment of {$920.00}, and the supplemental montly payment in the amount of {$440.00}. 
XXXX. The scheduled repayment plan monthly payment shall remain at {$1300.00} effective XX/XX/2022 and will end on XX/XX/2022 ... '' Upon agreement, we made these three consecutive payments, one in a slightly larger amount of {$1100.00} on XX/XX/XXXX, one for the XXXX on XX/XX/XXXX and finally the last payment of XXXX on XX/XX/XXXX. During this process we continued to receive statements showing that we were behind on our payments and I was assured that we were on target, that sometimes the computer system does not recognize the updated payments during a repayment plan. I called multiple times during these months to make sure my payment had been received and that starting in XXXX our monthly payments moving forward would be {$860.00}. By the end of XXXX when I paid my payment of {$860.00}, I was still getting calls that we were 30 days past due on our account. On XX/XX/XXXX, our loan officailly transferred to XXXX XXXX  after being aquired by XXXX. Since then, I have been on the phone a number of hours with XXXX trying to get answers on why we continue to be in default on our mortgage. If anyone could listen in on the recorded calls I've had regarding the situation, he or she would realize just how many " answers '' I got from Caliber and XXXX members that led down one rabbit hole after another. FINALLY, after my conversation this week ( Januarly XXXX ) with a XXXX  loss mitigation associate, I believe I received the answer to the problem, which brings me to filing this complaint. 

Upon looking at the arranged repayment plan, the associate easily discovered that Caliber miscalculated the amounts of the payments required for the months of XXXX through XXXX that would have brought our account current by the said date, XX/XX/XXXX. As stated above, this miscalculation of required payments has caused our account to be over 30 days past due for over half a year and has been a hard hit on my husbands credit score. This associate I talked with said there's nothing XXXX can do at this point since Caliber is no longer our mortgage lender. 

According to the repayment plan, we met ALL regulations stated in the agreement and Caliber is at fault for the discrepancy in calculating the amounts that were due.
Product: Debt collection

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove! 

Alliant Credit Union did not respond properly to the Affidavit that I sent, I also asked Alliant Credit Union to validate the alledged debt pursuant to XXXX XXXX XXXX. 

Alliant Credit Has not responded to the multiple requests and Now I am requesting remedy Pursuant to 15 USC 1640
Product: Mortgage

I have a mortgage with BSI Financial Services. They have been overcharging me for insurance past two years. I called them over 30 times and numerous emails to tell them I have my own insurance in 2020 and upload all the documents to their system .they never returned my calls. They placed lender-placed insurance for {$4600.00} even do I have my own insurance. When I called today they said they changed their insurance department and no one seems to help me. They did same thing last year as well.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX...
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and Barclays pulled a hard Inquire on my credit report. I have no knowledge of this. I believe someone is trying to use my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) There were extenuating circumstances surrounding this account. I had XXXX  XXXX XXXX and was incapacitated. I was able to contact a representative with XXXX and set up a payment plan of {$50.00} per month. I was reassured that no late fees would be reported because a payment plan was in place. I never missed a payment and pursuant to our agreement, no lates would be reported. Unfortunately, they did not keep their word and reported the account late regardless. This false reporting is seriously harming my credit score and these lates need to be removed. I have contacted the bureaus to fix this however, I have not been successful.
Product: Vehicle loan or lease

To Whom It May Concern : Im writing this letter to express my gratitude as a customer of Citizens Bank, and as a follow-up to my letter dated XX/XX/XXXX regarding my auto loan account. As requested, the first letter was sent via snail mail. In the letter, I requested that an item posted to my credit report be reversed as a one-time courtesy. I have not received any confirmation of its receipt, an indication that the letter 's contents are being investigated, or a notice of resolution outlining any next steps. 

I want to reiterate my request for a one-time courtesy forgiveness of a 30-day late payment reported to the credit bureaus in XX/XX/XXXX. This was the only time that an adverse report was issued since I have been a customer of Citizens Bank, and it has had a notably detrimental impact on my credit score, reducing it by XXXX points. In addition, this late payment has affected my ability to access credit, obtain lower interest rates, and qualify for mortgage and car refinancing. 

On XX/XX/XXXX, due to financial hardship, I made a partial payment of {$120.00}. This was done to support my parents with bills, which unfortunately meant that XXXX was a month where no payment could be made. On XX/XX/XXXX, I experienced further financial difficulty when my car caught a flat tire and the battery died. Due to the provisions of my insurance policy, I would have to reach a {$1000.00} deductible before financial assistance could be had. To this end, I had to purchase new tires and pay for the towing of my car. I have included a XXXX XXXX receipt and text messages that show communication with the towing company XXXX XXXX XXXX and XXXX XXXX ) on that day. I have also included the receipt from XXXX XXXX. 

Despite this, I had previously maintained a record of on-time payments. To make up for the other partial payments, I made three payments in XXXX : XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00} ; and XX/XX/XXXX for {$260.00}, bringing my account to current. 

I understand my financial duties, and if it were not for the costs associated with towing and new tire installation, I would have maintained an outstanding repayment history. Regretfully, I made a misstep in falling behind. This does not demonstrate my creditworthiness and commitment to paying my debts. It would be greatly appreciated if you could afford me another opportunity and make a goodwill adjustment to erase the late payment.

I appreciate your consideration, and I hope you will grant my request.
Product: Credit reporting or other personal consumer reports

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.
Product: Mortgage

I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Dept of Education XXXX  Account Number-To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Product: Credit card or prepaid card

Hello, I opened a secured credit card with Citi in XX/XX/2020. I was told that by putting down a deposit of {$200.00}, they would extend a line of credit of {$200.00}. They said as long as I kept my account in good standing and built credit, they would convert my card to a standard credit card within a year and refund my {$200.00} deposit. A year came and they decided to not refund my deposit. They said to wait until the XXXX month mark. I did. When that time came, they said to wait again and they would refund my deposit. It has now been XXXX XXXX years since opening the account. I have raised my credit score XXXX points to XXXX, I have nothing in collections, I kept my account in good standing, never went over my credit limit, never missed a payment, I worked extremely hard to get good credit. They are still refusing to give back my refund. I asked why they refused but they just gave general information saying it is based on the account and on my credit. All of those have been in good standing. They refuse to return my deposit unless I close my account. I don't want to take a hit on my credit report by closing the account. It looks like they are taking advantage of me and took my deposit under false pretenses. I have the Citi secured mastercard. I spoke to customer service last today over their chat feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit reports from Equifax, XXXX and XXXX and have found the following fraudulent inquiries on my credit report : Fraudulent Inquiries Under Equifax XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXXl
Product: Student loan

I am writing the letter with help of my financial aid reward. I was charged for the following Transportation total - {$1600.00} Meals total - {$2.00}, XXXX Miscellaneous total - {$1800.00} Room total- {$13000.00} I drive to and from school when scheduled. I never received a room I have my own home and miscellaneous! The University over charged me for XX/XX/XXXX-XX/XX/XXXX and for XX/XX/XXXX-XX/XX/XXXX for the same amount totaling XXXX. I need this issue resolved ASAP. I am sure I am not the only student that has this issue.
Product: Credit reporting or other personal consumer reports

I am disputing all negative items off my credit report. I have been a victim of identity theft an all of the items listed are inaccurate and invalid items listed on my credit profile. this has caused major issues with approvals and denials in all areas of life regarding my credit. please review an remove the listed items that does not follow the FCRA rules. delete and remove all items reported asap.
Product: Debt collection

How can this medical bill show up on my credit report when I have been paying XXXX XXXX XXXX all along? This is not fair. this needs to be removed as I am in the process of purchasing a home and this showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Sequium Asset Solutions , LLC offering a settlement amount. When I called about the amount a representative from the company XXXX XXXX XXXX XXXX said if we paid the offer amount this would be deleted from my credit reports. That conversation was around XX/XX/XXXX. The rep XXXX XXXX XXXX XXXX said to call her back after I made the payment. I paid the collection agency {$660.00} on XX/XX/XXXX, and called XXXX and spoke with XXXX XXXX to let her know I made the payment of the agreed upon amount of {$660.00}. I again discussed getting this deleted, and she XXXX XXXX XXXX XXXX stated that I should call her back in 30 days and they would do a deletion. On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX who stated that her supervisor would send me a paid letter to my email by the end of that day. In that same conversation she stated that they could not delete this from my credit report and I had to call the initial creditor which is XXXX XXXX, XXXX about the deletion. I reminded XXXX XXXX of our conversation on her recorded line about deleting this, she continued to say I had to go through XXXX for that. On XX/XX/XXXX I spoke with XXXX XXXX about the letter not being received, and she said that her manager said it wasn't processed yet. Again she stated that I needed to talk with XXXX about the deletion. I called XXXX on XX/XX/XXXX about the deletion and they suggested I call XXXX back about the deletion because they couldn't ' do it on their end. There is no need for me to call XXXX back because I've already spoken to them several times. I'm getting the run around. I just want XXXX to be deleted off all XXXX of my bureaus because that's what they said they would do. I feel as though we were mislead about the deletion.