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

The Credit bureaus XXXX, XXXX, Transunion, and XXXX XXXX stated account name & Account #, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX identification number XXXX XXXX, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.
Product: Debt collection

Credit acceptance is on my credit and it his stopping me from a bunch of things I cant get a apartment without them they have called and threatened me many times if I dont pay they will take something from me
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX reported on my credit report. On their website it stated. Checking your offers will not impact your credit score.  **The process uses a soft credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process and accept a loan offer, we will pull your credit report and credit score again using a hard credit inquiry. This hard credit inquiry may impact your credit score.
Product: Credit card or prepaid card

I HAVE CONTINUIOULY BEEN PURSUING THE 2 TRANSACTIONS SINCE XX/XX/2020. I KEEP GETTING TRANSFERRED, HUNG UP ON, OR THE REPRESENITIVES REFUSES TO GIVE ME THE PHONE NUMBER FOR CARDHOLDER SERVICES " BANK & RISK OPERATIONS ''. 

I FILED A DISPUTE AND THEY SUBPOSEDLY DID AN INVESTIGATION THEY SENT ME THE RESULTS OF THEIR INVESTIGATION AND STATED '' NO FRAUD ''. 

THIS IS COMPLETELY IMPOSSIBLE I DID NOT MAKE THESE CHARGES AND THE PLACE WHERE THE CHARGES ARE FROM 1/ FL XXXX XXXX XXXX RENTER/CONDO XXXX RENTERS/CONDO AMOUNT $ {$130.00} 2. PA XXXX VIA XXXX XXXX XXXX XXXX XXXX AMOUNT {$94.00} i CONTACTED BOTH BUSINESSES AND THEY CAN NOT FIND ANY TRANSACTION WITH MY RELIA CARD # THESE ARE UNAUTHORIZED ACH DEBIT BOTH TYRANSACTIONS DONE XX/XX/2020 THIS COMPANY DOSE NOT HELP ANYONE ESPECIALLY LIKE MYSELF WHO IS A VICTIM OF IDENTITY THEFT. 
THE ONLY NUMBER IS A FAX # XXXX XXXX cARDHOLDER SERVICES RELIACARD
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX , XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX..Based on my research, all government funded loans are not allowed to be reported , this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I got a call from someone claiming to be my bank Well Fargo, he said he was XXXX from Wells Fargo. He claimed they were some unusual charges on my account and that he needed me to download app called XXXX and that someone was using XXXX for {$1000.00} loan in my name & I had to verify myself, than he had me XXXX {$1000.00} to him at XXXX, and then XXXX {$2000.00}, and XXXX another {$500.00} to him saying the money would go into another account for me, but it was really going to him. Wells Fargo has closed the cases & says since I approved the XXXX transactions that I cant get the money back. They also said they contacted the bank he used and waiting for his bank to look into it and get the money back from his bank. However, he has unenrolled from XXXX and havent gotten the money back and Wells Fargo cant do anything else. 
I explained to the bank that he was a scammer & because I used XXXX, they cant get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. The 3 credit bureaus should delete these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The sales person at XXXX XXXX, told me that XXXX affiliated mortgage company, Eagle Homes would match any interest rates of other mortgage companies. I decided to purchase this home based on the fact that I would receive {$20000.00} in closing costs and upgrades if I went through Eagle Home and they would provide fair interest rates, comparable to other lenders. I was hesitant knowing they are affiliated companies because I was unsure they'd provide a fair rate. The sales person explicitly told me that they would match any other lender. With that as my understanding, I signed the purchase agreement. At this point, with two weeks out, with the average national interest rate at 3.7 %, Eagle Homes attempted to offer me 4.25 %. I have good credit and 20 % down. I went to XXXX XXXX they offered 3.6 %. XXXX said they would take away my builder incentives if I didn't go with Eagle Homes. However, Eagle Homes is clearly trying to take advantage of there customers. I asked Eagle Homes to provide a reason as to why the interest rate is so much higher than there competitors with no response. 
I gave them a chance to match and they only went down to 3.99 %. Again, higher than the national average and not near XXXX, forcing me to go with Eagle Homes or lose the incentives. I have no problem using XXXX lender but they are clearly steering me to a lender with unfair rates and requiring me to use there lender to buy a house I would not have chosen to afford without those incentives I had before I signed the contract. XXXX and Eagle Homes have done little to nothing resolve the issue at hand. It looks like Eagle Homes and XXXX are forcing me to use a lender or lose $ XXXX in incentives while trying to make back the $ XXXX by charging me high and unfair interest rates.
Product: Credit card

Bank of America XXXX opened on XX/XX/XXXX and with {$1800.00} balance. 
Bank of America XXXX opened on XX/XX/XXXX and with {$6.00}, XXXX balance These XXXX fraudulent account
Product: Mortgage

On XX/XX/XXXX I called in to make a payment on my mortgage though Equity Prime Mortgage ( EPM ) because there was a problem with my automatic withdrawal. I asked if a late fee would be assessed and I was assured there would not be XXXX assessed ( this can be verified by the recorded call that XXXX has on file ( XX/XX/2022 ). 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. However, a late fee ( {$89.00} ) was assessed by XXXX and never removed. Now XXXX wants me to go through several different steps to get it removed since they do not service the loan anymore. 

I have spent several hours of my personal time dealing with this and I don't think I should have to. XXXX decided to sell my loan, they should honor their commitment from the call on XX/XX/2022.
Product: Vehicle loan or lease

I went into a car dealership in early/mid month of XXXX 2017 to finance a vehicle. But the car I wanted was sold so the finance lady showed me a XXXX XXXX XXXX which was {$16.00} & And a XXXX XXXX XXXX  for {$7900.00}, & I was to put {$1000.00} down payment & I put a {$100.00} to hold the vehicles until I got a word back on if I was approved for financing. So she called me to come in to talk about rates next day. And when I showed up she showed me approval for the cars and they up the prices for the XXXX XXXX from {$16000.00} to {$20000.00} with {$5000.00} down & the XXXX XXXX from {$7900.00} to {$10000.00} with {$2000.00} down. & I told her I could n't do the down payment and would try to do {$2000.00} for the XXXX XXXX. so I signed a Rmv-1 form to bring back with insurance stamp & down payment but I could n't get the other {$1000.00} down. So we did n't go any further with the transaction or paper work and never took possession or registered the vehicle & come to find out the dealership fraudulently signed a contract with a Electric signature and sent a contract over to the bank which I have called and informed them that the contract was not signed by me I 've never seen or even got a copy of any contract and they refused to cancel the contract. After contract multiple times
Product: Credit card

I won't put my information, but I believe it is okay to write the false information here, so I will. 
I received a credit card that I did not apply for. I contacted the card company and reported it. 
Then, I wanted to make sure there was nothing wrong with my personal information. So I logged into Chase and looked at my personal info. I saw the phone number XXXX next to the card number XXXX. 

I called Chase again to remove the false information from my personal page. My phone number next to my existing account was correct. 
But I am very uncomfortable with the false info that was on my personal page and about how Chace could issue the card without my knowledge. 

I also contacted the Credit Bureau 's office. We found that the office has the wrong social security number for me. I don't know why it is wrong. They had three pieces of information from when I applied for a credit card in the past, and that information was correct. But, again, the XXXX they had was not mine so it is very strange to me. 
I sent a copy of my DL and SSN to them by their request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

A charge off on EXPERIAN is showing charged off on two different dates? How is this possible and there was never any 1099c sent to me? Also I believe this is a serious violation. Furthermore they reported id completely different on transunion credit reporting agency? This shows how XXXX XXXX is not following federal policy. Also how can it be reported as paid in full from one agency but charge off on another with a balance? I have disputed these inaccurate reports but nothing has been done other than updating new dates to keep this inaccurate information on my reports? I included both XXXX report so it can be compared to EXPERIAN and also XXXX due to inaccurate reporting. Due to multiple inaccuracies and multiple violations to my rights i demand immediate removal of this accout from all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties.

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already attempted to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.

I expect you to remove the disputed information immediately, provide proof of its deletion, and send the {$1000.00} payment to my mailing address listed above. This must be completed no later than fourteen ( 14 ) days from the date of this letter. Failure to comply within this timeframe will result in my referral of this matter to a consumer attorney to evaluate potential legal action in federal court. Receipt of the deletion confirmation and payment will constitute a full settlement and release of my claims.

.

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

USAA requested additional information in XX/XX/XXXX, but I was not notified of this request through my usual notification channels. I did not receive a push notification or see the typical red alert in the app. Historically, USAA has reliably notified me of important matters via email, but no email was sent regarding this dispute. Due to this lack of notification, I was unaware of the need for additional information, leading to the dispute being closed in XX/XX/XXXX due to non-response. 

From XX/XX/XXXX to XX/XX/XXXX, I contacted USAA multiple times for updates and was assured that someone would follow up. Unfortunately, I did not receive substantive responses. Eventually, I was informed that the dispute could not be reopened as it was outside the allowable timeframe, due to restrictions from XXXX XXXX. 

During a recent conversation with a USAA dispute specialist, it was confirmed that while the documents were sent, there was no evidence of a notification being sent, potentially due to an IT issue. This breakdown in communication prevented me from providing the necessary information and resolving the dispute.

As a result, I am now being held responsible for the full amount of the disputed charge. Additionally, during this entire process, USAA has been charging me XXXX  of dollars in interest and fees. This has significantly increased my financial burden. 

I believe USAA did not fulfill its duty to effectively notify me and provide a fair opportunity to resolve the issue. Given these circumstances, I do not feel that I should be held responsible for the full bill. I am seeking assistance to ensure that USAA provides a fair resolution that relieves me of the unjust financial burden caused by this situation.
Product: Debt collection

I had several MRI 's with XXXX XXXX as a result of a serious XXXX. They submitted the bills incorrectly and I was told they would be reprocessed. Remex, Inc contacted me and I never ran from the calls. When I spoke to my attorney about it, they also contacted Remex to advise they were working with the provider to correct it.

Remex took my account off hold and for {$220.00} dollars it was report to my credit and resulted in an over XXXX point decline. I have had exceptional credit for decades and was furious. I called and they were extremely curt and would not call my attorney to resolve the issue. I suffered a XXXX XXXX  and have XXXX for an serious accident that was not my fault. The last thing I need is to be dealing with this for {$200.00}. I would have paid it but was advised by attorney that according to the provider it was being resubmitted because it was not billed properly. 

They have unfair and unethical collection practices and judging from all the reviews I read that can be verified by others this same thing has happened to. 

Someone should investigate.
Product: Debt collection

I received a telephone call on my cell phone XX/XX/XXXX, or XX/XX/XXXX. The caller gave me my birth date and ask for the last XXXX numbers of my social security number stating she could not tell me what the call was about until I gave her my personal information. She did say it was about owing money and maybe it was owed by someone else who put my name on it. Because we have all been warned not to give a caller our personal information, I told her she would need to contact me in writing through the postal service. She stated they had already done that. I have received no mail from a collection agency or from XXXX XXXX ( the company hiring the collection agency. ) I knew nothing about the incident until I received the call on my cell phone. I had XXXX XXXX year ago, but paid my bill on time and in it 's entirety. I dismissed it as a prank call. XX/XX/XXXX I checked my credit report and the collection company had put it on my credit report as a delinquent collection. My credit score went down immediately. I am frustrated by the methods the collection company used to contact me and asked for private information without giving me a name of the company or other identifying information. My credit has decreased by so much and affects my credit. If the company would contact me with a legitimate name or give me information to call them, I 'm sure this can be worked out. The collection agency is Amsher Collection Agency. I wish to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX