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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

you are reporting the incorrect balance and credit usages on my credit report. You have XXXX XXXX, experian, XXXX and credit seames reporting inaccurate information which is effecting me from getting a mortage loan. 
I have also paid all three credit collections on my credit and asking that they are removed off my credit report. 
I have 12 credit card reporting XXXX balances and you are reporting incorrect balances
Product: Credit card or prepaid card

So I was hung up on calling Citi preferred diamond card, customer service representatives twice. My card was to believed to be fraudulent. I was never able to access or create an online account I spoke with a customer service representative back in mid XXXX, and was told because of that confusion and mishaps that my due date would be pushed out XXXX XX/XX/XXXX. This was in XXXX. I finally was able to get through this morning. Today is XX/XX/XXXX and the gentleman was not willing to help me. Putting words in my mouth and getting very defensive I told him I am a customer. This is what I was told. Why isnt it not in your system? I asked to speak with a XXXX he would not allow the transfer, and I asked why the conversations were even recorded if They are if they could easily go back and verify that I had been told that my due date was a pushed out a month as a courtesy from city, this is an elite card. I just would like to see if theres any misconduct and to have city be held accountable possibly even paying half of my balance. I did a balance transfer when I signed up for the card when I applied for the credit card back in XXXX, it took over a month for the transfer to go through. Thats ridiculous plus a {$200.00} fee so if anything I want my {$200.00} back credited to my account and I want any late penalty or fee associated with this account to be reimbursed due to the fact that I was told it wasnt due until XXXX. Therefore I dont have it today that is what really made me mad. Thank you so much.
Product: Checking or savings account

XXXX called me stating that my accounts had been compromised and that I needed to transfer money over to new accounts. He was sending communication from the BOA txt account Once the transactions were made i noticed that the accounts they were transferred to were for XXXX XXXX XXXX. I have never had an account with them. At the end of the call XXXX stated that i should not answer or respond to any bank of America communication attempts. I then called BOA fraud department to file the claim and spoke to XXXX who informed me that the transactions were on hold and that they would not go through. before i could finish the claim we were disconnected so I went straight to the BOA branch at XXXX XXXX XXXX XXXX, XXXX, NM XXXX and spoke to XXXX. She assisted me in making call and we were told by two different people in the fraud department that the money would go back into my account and they were on hold. on XX/XX/year> i checked my account and the transactions had gone to the receiving bank. Today XXXX I received an email that on XXXX of the claims the money had not been recovered and the case was closed. I contacted the fraud department and they have re opened the case and I have sent screen shots of the transactions being on hold. I have claim numbers for both trans actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline : * On approximately XX/XX/2020, I received a letter from XXXX XXXX XXXX ( " XXXX '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to XXXX effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. 
* Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by XXXX coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. 

*I promptly called XXXX the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that XXXX did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. 
* On XX/XX/2020, XXXX again reported me as delinquent ... ... I immediately called XXXX and they were as dumbfounded as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... 
*Today is XX/XX/2020 - I just completed yet another call with XXXX  and spoke with " XXXX '' who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. 
*To summarize - XXXX is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. 
I NEED HELP AS THEY ARE TO XXXX TO FIX THEIR OWN MISTAKES.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i received a daunting correspondence from RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX, MN, XXXX stating and I state verbatim. 

Radius Global Solutions is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. We would like to offer you the opportunity to resolve your account for less than the total amount of the debt. The creditor will accept {$280.00} to resolve your account if the payment is received by XX/XX/XXXX. We are not obligated to renew this offer. This offer and the timeframe for accepting it does not in any way affect your right to dispute or request verification of the debt by XX/XX/XXXXXXXX  as described in this letter. If you do not accept this offer, you are not giving up any of your rights regarding this debt. 


You had an XXXX XXXX XXXX XXXX XXXX account with account number XXXX DEBT DESCRIPTION : SERVICES FOR XXXX XXXX XXXX SERVICE DATE XX/XX/XXXXXXXX  As of XX/XX/XXXX, you owed : Between XX/XX/XXXX and today : {$1500.00} You were charged this amount in interest : + {$0.00} You were charged this amount in fees : You paid or were credited this amount + {$0.00} toward the debt : {$1000.00} Total amount of the debt now : {$570.00} Call or write to us by XX/XX/XXXXXXXX  todisputeallor part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, wemuststop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
XXXX Whatelse can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we will stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX. 
Go to XXXX XXXX XXXX  to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. To Make Online Payments Visit : XXXX.com Use Reference Number : XXXX Your XXXX I can find many things wrong with this daunting letter from this alleged creditor who is clearly trying to swindle {$280.00} out of the claimant is theres more than five or six violations for one is permissible purpose because radius, global solutions, LLC report XXXX my consumer report without my permission, consent, or knowledge, until after the fact which was right away, disputed and taken down, which deletion proves no admissible purpose, trying to connect a debt at the same time as the original creditor, trying to collect a debt as well sitting here, looking at that collection letter with over seven violations and Im looking for monetary relief cease and desist on radius, global solutions, LLC
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX, XXXX, and XXXX on XX/XX/, XX/XX/, XX/XX/XXXX XXXX to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/XXXX  as well as to the Federal trade commission on XX/XX/. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as NORDSTROM/TD BANK 1st letter XX/XX/XXXX XXXX then on 2nd letter XXXX/XXXX/XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX letter XX/XX/XXXX XXXXXX/XX/XXXX  response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX 1st letter XX/XX/XXXX  and XX/XX/XXXX XXXX  police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/XXXX  and filed a dispute through XXXX.
Product: Credit card or prepaid card

I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations
Product: Vehicle loan or lease

My husband and I have a loan with Toyota Financial Services. My husband filed bankruptcy, the loan on the vehicle was included in his chapter XXXX. I did not file and per consultation with his attorney, I am protected as well as my credit invoked under the provisions of 11 USC 1301 ( Co-Debtor Stay protection ). The issue is, Toyota has reported two missed payments and the remarks show late in the notes on all three credit reporting agencies. Per his attorney, he called into the bankruptcy department at Toyota and was not able to resolve the matter. The resolution is still pending. This situation has dropped my score over 100 points and now caused my XXXX account to lower my credit limit further hurting my score. Since this matter is not getting the attention needed, I need the CFPB to step in. I'm also in deep conversations with a prosecutor who specializes in these type of co-debtor situations to pursue further legal action.
Product: Credit card or prepaid card

I closed my credit card account with Capital One over 2 years ago. Despite that, they renewed the card and issued a new XXXX. They then proceeded to bill me and charge late fees for the new card. Hours upon hours on hold and unreturned calls from " supervisors '' failed to resolve the problem. These " fake '' renewals seems to have strong similarities with the recent XXXX XXXX scandal.
Product: Checking or savings account

Ally Bank closed my account with no notice and has not sent me a refund for the money I had inside ( ~ {$3000.00} ). They claim to have sent a notice ahead of time, but I have a log of every mail delivered to my address and determined their claim to be untrue. I called them asking for my money back, and they said that they did not yet mail a check. I asked them if they could call me back and provide a tracking number, and they said yes. It's been several days, and they have still not sent my money.
Product: Student loan

On or about XXXX XXXX, 2016 i have notified Navient Loan Servicing about a Student Loan that was being reported to all XXXX credit bureaus with my personal information I have submitted a formal dispute under the Fair and Accurate Credit Transactions Act about the student loan account XXXX a total of XXXX accounts where being reported all having the same account number. I submitted a original copy of a police report per there request however they still continue to report to the credit bureaus that the account is valid. I also requested validation of the debt in which i received no response from Navient Loan Servicing proving that the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM. 

ACCOUNT : XXXXXXXX XXXX XXXX ( XXXX  )
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1692C you have violated my rights by unlawful communications please remove these collections off of my credit report, please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a computer glitch, in XXXX-XXXX un 2016, that was Transunion problem, not mine caused my inquiries to be deleted. Transunion later added them back to my report without giving me legally required written notice within 5 days before readding them. I tried to reach out in good faith and kindly asked them to delete what was illegally re-added. These inquiries added a hardship and my rights were violated. I am asking for your help to stop Transunion from victimizing me. As a resolution I ask that all my Transunion inquiries be deleted permanently from my report as a violation took place and they were illegally added.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple inaccuracies on my credit report, which have not been properly investigated by XXXX, Experian, and XXXX. I disputed several items on my credit report, but the company failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX. Improper Investigation : I submitted disputes for multiple inaccurate items, but the investigations conducted were insufficient. The credit bureau marked these items as verified without providing supporting documentation from the data furnishers. 
XXXX. Unverified Items Marked as Verified : I disputed various accounts that I believe were inaccurately reported. The credit bureau responded by indicating that they were verified, but did not provide any supporting documentation or proof of accuracy for these items. 
XXXX. Reinsertion of Disputed Items : After my disputes were resolved, I noticed that several items I had previously disputed and had removed were reinserted onto my credit report. I was not notified of this reinserted information, which violates my rights under the FCRA. 
XXXX. Data Breach Concerns : Given concerns about recent data breaches involving credit bureaus, I am requesting the removal of any unverifiable or inaccurate items remaining on my credit report. 

Despite my attempts to resolve these issues directly with XXXX, Experian, and XXXX, they have not provided the necessary information or corrected the errors. I am requesting that these inaccuracies be removed immediately, as they have not been verified and continue to negatively impact my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request the CFPB Take action to ensure Equifax compliance with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I was approved for this card on XX/XX/22. I have yet to receive it. When I called, they said they were very behind on cards due to a plastic shortage. I have serious doubts Ill ever receive this card. I am very concerned I have a this card on my credit report with a full credit line, yet no access to it almost a month later.
Product: Checking or savings account

I had checks and my ATM stolen from my home from a care worker hired when I was recovering from an accident. I filed a fraudulent complaint with Suntrust - One month later they merged with Truist - The original complaint was lost - I refiled - A month later they denied the claim saying I filed too late- I refiled- They denied again from the same issue- I refiled again in XXXX and have not heard back from them. The person was arrested and is in jail awaiting trial. I feel I am owed my money back. They allowed her to continue to write checks after I reported and to use my ATM card - They did not closed my account and issue me a new number. This occurred in the XXXX Florida area Please let me know if you can help to facilitate this lack of respone and help on the part of Truist
Product: Student loan

On XX/XX/XXXX I reached out to Navient to make a payment on my student loans and was told that I was not current. I thought I was under deferment for a year, Navient claimed they had tried to reach me but the number that I have has been the same since XX/XX/XXXX. I then was forced to accept a forbearance, which later I found out because of my current situation I should have been granted a deferment, and made a post dated payment of XXXX.I have a number of issues with this company. On XX/XX/XXXX, I reached out to the CEO of Navient to correct inaccurate late payments that they were reporting to my credit report. In reference to Section 623 of the FCRA that he fix the inaccurate late payments that was horribly affecting my credit and my ability to obtain employment. I have been turned down 3 jobs so that is what made me look more into my credit report. I gave him a receipt of 15 days and still no reply. On XX/XX/XXXX I reached out to Naveint again, and was defiantly told that I should have been offered and granted a deferment and that XXXX XXXX, CEO would be contacting me within 48 hours to discuss this matter, I received no call for him. I then was told that I was in forbearance but on my credit report it was reporting as deferred for 3/4 of my loans. I have tried to be patient with this matter but this is not getting me anywhere. I cant even obtain a descent job in the field because of the inaccurate late payments they are reporting to my report and it is taking a toll of my finances and also my personal life. All I want them to do is update my late payments and give me a reasonable amount to pay back until I get on my feet which I do not mind
Product: Debt collection

I saw a that IQ DATA IINTERNATIONAL reported that I owe {$2000.00} on my credit report. I do not owe any money and I have disputed this and it is still on it. I am unaware of this transaction. I have not gotten any calls about this transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding inaccurate information that is still being reported on my credit file, despite my prior request for removal under the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I am entitled to have inaccurate or unverifiable information removed from my credit report. I previously identified the following accounts as incorrect and requested their removal : XXXX XXXXXXXX XXXX Account Number : XXXX The specific inaccuracies in these accounts include : Date of Opening : The reported opening date is incorrect. 
Credit Limit : The listed credit limit is inaccurate.

Last Reported Date : The last reported date does not match any legitimate records.

Last Date Active : The listed last date active is inaccurate.

Last Date of Payment : The reported last payment date is incorrect.

Payment History : The payment history does not reflect actual transactions. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively. Furthermore this is a Tax Implications Misrepresentation. The reporting of this debt may have tax implications that do not apply in my situation, and therefore, it should not be reflected in my credit report.

Despite my formal dispute, these inaccurate entries remain on my report. Under the FCRA, if the information can not be verified or is found to be inaccurate, the credit reporting agency is required to delete, this obligation was not fulfilled.

I am requesting immediate action to correct this situation. Failure to comply with the FCRA may result in further action on my part, as my credit report is continuing to reflect erroneous information that is harmful to my financial standing.

Please provide written confirmation that these inaccuracies have been investigated and removed from my credit report. I have once again included a copy of my credit report with the disputed information highlighted for your reference with proof. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

There are XXXX accounts on my TransUnion Report that are reporting as delinquent and they are not. They have never been delinquent and should be reported as paid as agreed.