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

On XX/XX/XXXX, I reviewed my credit report to verify my credit information about my most recent claims to update the accounts that were reported late. Back in XXXX, I sent a letters to XXXX, XXXX, Transunion asking them to investigate these accounts listed below : -XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX On XX/XX/XXXX XXXX I sent certified mail letters requesting they re-investigate these accounts. I received their results saying everything is complete and accurate. I looked at my report and saw nothing had changed. 

As required by 15 USC 1681 subsection ( I ), they are supposed to update, modify, or delete these accounts, and as required by 15 USC 1681 E B, they must ensure maximum accuracy. When a person knows or has reasonable grounds to believe that the information about a consumer is inaccurate, they shall not furnish that information to a consumer reported agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Under 15 USC 1681 subsection ( g ), credit agencies are required to obtain and verify information from reliable sources when updating consumer accounts. While the specific instructions given are not in line with legal requirements, credit agencies must ensure the accuracy of information through methods such as reviewing public records, conducting their own investigations, and receiving written instructions from consumers if necessary.

Providing written instructions to credit agencies is crucial because it ensures clear and accurate information is recorded.It ensures that the credit agencies understand the exact accounts and information that needs to be updated or deleted, and it provides them with written documentation that can be used to verify that the instructions were given accurately.Written instructions also provide a record that can be used for future inquiries or disputes, ensuring that the consumer 's request is correctly processed.

They lied on an official document by saying they reinvestigated, but they did not. The three credit agencies failed to reinvestigate the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Checking or savings account

Hello, My name is, XXXX XXXX, This is for account number ; XXXX I had spoken with a translator regarding a suspension of check payment that was scheduled on XX/XX/XXXX & it was confirmed with the representative that the suspension was a success. However, that information of confirmation was incorrect due to the fact that the payment had been taken out, I have severely been financially penalized due to the COVID-19 pandemic & was unfortunately unable to have the payment taken out on the date given. I had given a call to the manager of the branch I usually go to & I was told that refund of my funds are not available. I find it very unprofessional that I was told the suspension would be a success & disappointing that the promise made to me was a dissembling fib. Im very affected by this action & I need this money returned to me. This was issued on XX/XX/XXXX in the amount of XXXX. I also need to dispute another check for the amount of XXXX. That one has not been sent out yet but I need that check suspended as well. I look forward to receiving your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this message finds you well. I am writing to address an issue related to my charged-off XXXX credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified. 

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Synchrony Bank has allowed an unauthorized inquiry on my XXXX and XXXX credit reports that i want removed. Attached is a word document which is the exact letter i printed out and sent to Synchrony via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off. So  HOW can my   XXXX   b e lower? OF course you 'll give me the unfortunately leaving off the total debt is less.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( Equifax, XXXX, and XXXX  XXXX. All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with Equifax and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, XXXX, and Equifax do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

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

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have explained that this is the result of identity theft and they keep harassing me and threading to arrest me although Ive sent multiple cease and desist. I have asked several times for verification that this was me because i have never been to this place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY EQUIFAX CREDIT REPORT AND I NOTICED INACCURATE INFORMATION BEING REPORTED. I NEVER AUTHORIZED THE BELOW INQUIRIES. THE FOLLOWING NEEDS TO BE REMOVED IMMEDIATELY : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX # XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 For XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I filled a Identity Theft report with the FTC and my local police department, all three credit bureaus have reported my credit history as inaccurate. On XX/XX/2019, I went online and requested my credit report from XXXX because my request to obtain my credit report through Free Annual Credit XXXX was denied. I was successful in obtaining my credit report online. Credit report # is XXXX. I saw several discrepancies and decided to go online to dispute the information. I was unsuccessful in disputing the information online. I was directing by XXXX website to call XXXX to dispute information. On XX/XX/2019, I call the number that was listed and a female agent took my information and started asking questions regarding my dispute. I disputed information that was listed on the report that was printed. The agent stated more than once she didn't see certain information I was disputing. She didn't seem as if she wanted to correct anything I was disputing. After we went over everything, she gave me a new credit report # XXXX. I received the report in the mail on XX/XX/2019 and as of XX/XX/2019, everything we have went over still remains on my credit history. No investigation was ever made. The agent never corrected anything. There are many unknown inquiries on my report. There is information that has not been disputed or corrected. There is information that is not listed and should be. I have had many issues with the credit bureaus regarding my credit history since I filled an Identity Theft affidavit with the FTC. I have contacted the credit bureaus many times in making attempts to correct my information. It is possible that there is fraud involved. XXXX has more than thirty inquiries posted to my credit history within the last two months. Major Credit Bureaus need to be monitored because they are also posing a risk for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A while back I signed up with XXXX  For phone service and signed an auto pay getting a new phone nothing special Was never told that there was a charge For this phone of {$7.00} a month which I discovered after having the service over a year cause I was not happy with the phone and exploring the possibility of getting a new phone. 
I was told that there was no promotions At this time, I tried again after two weeks with no results, when I got my next bill from XXXX I noticed the bill was {$10.00} extra and there explanation was charging me {$5.00} for every inquiry to the matter that's when I decided to move my services with XXXX XXXX XXXX
Product: Vehicle loan or lease

The amounts not adding up they gone out of business and now no warranty which I had and it's just a mess dealing with this collection company please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with UNITED CONSUMER FINL S, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, UNITED CONSUMER FINL S,  XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was sent from Chase bank to XXXX to make a payment on a XXXX credit card using Chase online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXXXXXX XXXX and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at XXXX and they claim that the money was sent back to Chase on the day it was received. Chase claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. XXXX is claiming that it could be the third party processor of chase that has the money but again Chase does not have the money.
Product: Credit reporting or other personal consumer reports

accounts showing on my credit report were open without my knowledge or consent. it is a result of id theft
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss  paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Checking or savings account

This bank is a XXXX I had account with them in the past which they closed fir no reason I got approved fir a new one now they blocked it and wont Release my funds back to me or let me have an account their XXXX Im sick and tired of them and the way they are they have to be sued in small claims court they are discriminating me for no reason ans thats enough I never overdrafted on any of my accounts with them but they Goode
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has deleted inquiries from my consumer report as a result of identity theft, which they were suppose do to according to the Fair Credit Reporting Act. However, they did not compensate me for inaccurately furnishing information on my consumer report. Deletion of these items ( listed in the attachment below ) is admission of liability. According to the Fair Credit Reporting act, TRANSUNION willfully failed to comply with the requirement imposed under such subchapter and is now liable to me ; the consumer, for $ XXXX per deletion.
Product: Debt collection

The amount of {$900.00} from XXXX XXXX in XXXXXXXX XXXX l changed insurance at the time that I was with and the hospital did not give me time to give them my correct insurance information. They they just sent it straight to collections and the collection agency has been harassing my mother all the time. They have sent me mail from a lawyer about the debt. The debt needs to be erased off of my credit report due to : No signature wet Proof that I own the debt Debt has been paid XXXX violation sell medical information to third party No proof of /Send me the purchase agreement It needs to be taken off of my credit report. 
It has been ongoing since XX/XX/year>XXXX XXXX
Product: Debt collection

I was emaiLed about a debt owed from a service provided by XXXX. I canceLLed the service and subscription in XXXX of Last year.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX and XXXX regarding Global Radius Solutions, aka Radius Global Solutions Debt collector for XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to Global Radius Solutions to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the XXXX XXXX XXXX when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, XXXX, and Global Radius Solutions are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Mortgage

Company Name : Newrez LLC dba Shellpoint Mortgage Servicing Loan Transfer date from Specialized Loan Servicing to Newrez LLC dba Shellpoint Mortgage Servicing : XX/XX/XXXX My Mortgage loan transitioned from Specialized Loan Servicing to Newrez LLC dba Shellpoint Mortgage Servicing on XX/XX/XXXX. 

Since then I have made multiple calls and escalations to get access to my account with Newrez LLC dba Shellpoint Mortgage Servicing. 

I was on the phone with them multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and they keep on telling me that they have large volume of accounts that they have to manually migrate. 

It looks like they have been receiving a huge number of consumer complaints as they can not login to their new accounts on Newrez LLC dba Shellpoint Mortgage Servicing and make the mortgage payments as there is a penality if the mortgage payments are not paid with in the first 15 days. 

Till now I still don't have access to my account and they have given me a new case number XXXX today XX/XX/XXXX and was told I have to wait another XXXX days for resolution. 

It really is a bad customer experience to work with this company and I believe there are many people like me in the same boat that do not have the time to raise their voice and have time to write to CFPB. 

On behalf of everyone I urge CFPB to look into this matter and have proper resolution before it becomes a nightmare for all customers.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding several items on my credit report that I have been trying to dispute. Despite my many attempts, my dispute has been ignored, which is unacceptable and has caused significant distress. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. I am formally requesting that you look into this matter immediately and take the necessary steps to resolve the disputed items on my credit report. If you do not comply with the terms of the FCRA and address my dispute promptly, I will have no choice but to consider the possibility of litigation to protect my rights and ensure compliance with the law. With this, I am asking for your assistance to correct the latew open accounts and remove the charge off accounts : XXXX XXXX Balance Owed : {$7400.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$4000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.