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

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, TransUnion and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX  has payment status as : Legally paid in full for less than the full balance XXXX has payment status as : Paid Transunion has NO payment status Transunion is reporting this account as open
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon requesting validation of the account XXXXXXXX XXXX XXXXl ( XXXX ) and XXXX XXXX XXXX XXXX  ( XXXX  ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of FCRA, FDCPA and Metro 2 Compliance.
Product: Mortgage

In XX/XX/XXXX I purchased a new home. The escrow amount for taxes only included the land for the XX/XX/XXXX assessment. In XX/XX/XXXX the tax assessment included the value of the house that was built on the land and the land itself. This caused the tax bill to go from {$900.00} to {$9000.00}. This was fine I anticipated that the tax bill would jump, but I was given incorrect information by Cornerstone Home Lending, Inc. I  spoke to a customer service representative in XX/XX/XXXX and explained to the rep that the tax assessment in XX/XX/XXXX only included the value of the land and not the value of the land and the house, and therefore the tax bill would be significantly higher in XX/XX/XXXX. Because of this I requested that we recalculate the amount I was paying into escrow to ensure that we would have enough at the end of the year. The customer service rep ensured me that the escrow amount I was paying was enough and would be enough to cover the taxes at year end. This was incorrect and a very consequential error. My mortgage doubled in XX/XX/XXXX and this could have easily been avoided if the customer service rep would have either given me correct information or recalculated the escrow payments as I requested.
Product: Credit reporting or other personal consumer reports

I am listing XXXX Inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

For XXXX  of XXXXBank of America did not send my Business Bank Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my business address. The address information was changed to a different address without my permission and without my knowledge. The fraudulent change of my address was never reported to me. They never contacted me that a change of address occurred. They never opened a fraud investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

In XXXX, I received a letter from Wells Fargo informing me that due to a new policy, they were asking all clients to remove any international addresses from their accounts by XX/XX/XXXX or else they would close the account and send any remaining money in the account ( s ) to the US-based address on file via check. 

My mother and I jointly have a checking account with them. I removed the international account fully from my side at the beginning of XX/XX/XXXX via the mobile banking app. As my mother is not technologically savvy, she went to the XXXX XXXX XXXX XXXX Wells Fargo on XX/XX/XXXX and had them update the account for her side. They informed her that it was complete and did not provide her with any documentation, confirmation via email or text. As they told her it was complete, we felt no need to follow-up with this process. 

On XX/XX/XXXX, I logged into the mobile banking application and saw they had closed this checking account with any further contact to either my mother or I. I called immediately to Wells Fargo and spoke with XXXX and then XXXX, XXXX who informed me that as my mother, the joint-account holder had not updated her side of the account, that there was no way they could challenge the account closure process. 

I find this extremely unhelpful as my mother and I followed their request. I would prefer for them to reopen our closed account. If they don't, I will remove all my accounts with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove Kikoff Lending from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, Kikoff Lendin Funding is not listed in the Nationwide Licensing System as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account XX/XX/XXXXAdditionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Mortgage

I live in a condo ( apartment ) with a purchase money mortgage serviced by NewRez. We have had this mortgage since XXXX and have always provided the servicer with proof of our condo owners insurance policy. For the first time, in XX/XX/XXXX NewRez asked for proof of the HOA umbrella policy. Once I understood what they were asking for I submitted a copy of the policy via the website as directed in early XXXX. When I called NewRez on XXXX XXXX  the rep said there was no record of me having submitted it, so I submitted it by email as the rep directed, to XXXX XXXX XXXX XXXX I chatted with a customer service rep on the website who said there was no record of me having submitted it so I emailed again, this time as they directed to XXXX XXXX XXXX. When I logged in again today ( XXXX XXXX  there is no record of the insurance on my account, and NewRez continued to bill us {$130.00} per month in force placed insurance. I emailed proof of the policy again to all three addresses today and begged them to either confirm receipt or let me know what the problem is.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint on my own behalf. Upon examining my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the court document on XX/XX/XXXX. Then I sent the court document with the third party agency letter on XX/XX/XXXX. 

I sent this to Experian and the company will not remove the inaccurate information. XXXX  and XXXX  has. 

Bankruptcy and all accounts associated with the bankruptcy. I sent documentation showing that the court states it doesn't provide information to the credit bureaus in a written statement. Also sent documentation showing that the third party agency states the bankruptcy was removed, but the bureau still say it's verified. How when the court doesn't provide the information and the third party removed it.
Product: Vehicle loan or lease

This account has been paid off since XX/XX/XXXX ( {$18000.00} ), but Kia refuses to report it as " paid/ closed '' so that it will reflect as such on my credit report? In any event, I've spoken to several representatives and received several different responses over the last month or so. Today I was told to dispute it or otherwise continue to wait. Unacceptable! 

Also, to add insult to injury, I am now being told that the prorated refund from my payment made on XX/XX/XXXX of {$310.00} will not be paid? Please advise. 

Vehicle Description : XXXX XXXX XXXX XXXX # XXXX Customer Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Im going through identity theft and fraud ive been victimized. I noticed there has been fraudulent activity that has been taking place since 2016, I came to knowing that there had been fraud accounts : such as treasury accounts linked to my business account. I cae to knowing this because i had asked my fiance to check my business checking account for the balance and then ... she yelled to see what she was seeing on the online banking system with prosperity bank, She had accidently clicked the treasury account tab and using the exact same log ins as my checking account for my business, had logged us into a treasury account with 3 accounts in it with large amounts of money $ XXXX, xxx, xxx.xx,. I freaked we called the customer service number and they said it must of been glitch due to the updating their system. Well i did not believe what they told me. I asked a representative at the bank i normally go to and she stated that if i did not have an account it would of never of let me log into those accounts. back and forth they denied that it existed. including fraudulent transactions, i could not report it due to it being past the the days to being able to being reimbursed. I never had a bad check, always stayed on point with my business account, after i had a contract with a company and it was over {$7.00}, xxx.xx or so the bank did not want to cash or deposit my check the next day. they actually wanted to put a 21 day hold. so i told the to close the account. going through all this conflinct with the bank i couldnt get those numbers out of my head so, i called again and this time after the account being closed a representative confirmed my theory and what i had seen. there was actually 3 accounts 2 business accounts and 1 atm direct, im still not sure what that last account is. she also mentioned that they accounts were also closed and that they balalnce was {$0.00} out. This fraud has been done to me personal and business has been affected. they also reopened my bank account fradulently supposebly do to a check that cleared in our paperwork and statements way earlier like 2 months back. then they changed it and said it was due to a cash app deposit of {$5.00} which i never did i checked my accounts and nothing.. they lied and are still lying to me.
Product: Debt collection

I was notified by my credit monitoring agency that an account had been reported to my credit bureaus. i never recieved notification of these debts because I moved several months ago. I never recieved a phone call. I never recieved notification of the debt in writing. I offered to pay the debts in full if they would contact the credit agency and have them removed but they refused and said it was not possible. This has happened to me before so i know that it is possible. The agency was very rude. They claimed they had several bills with me from two XXXX. I called those XXXX  and paid the bills with one and when I called the other one, they said that they did not even have a bill in my name. When i tried to get off the phone with the agency, they said if I didn't pay all the bills today they would report them to my credit agencies. They also said that they would refuse to take my payments unless i gave them my phone number. Their tactics were intimidating and unethical and were not in the business of moving to resolve to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer on this loan with a relative. While scanning my credit report I noticed that there is a discrepancy/ incorrect information regarding this account. XX/XX/2019 XXXX reported this account as paid and Equifax reports the account as 90 days delinquent on XX/XX/. Due to this error in reporting between both bureaus and the Fair Credit Reporting Act I am asking you guys to please remove this derogatory account from my credit report. It would be tremendously appreciated. I am a military veteran that is trying to make XXXX changes in my life for me and my family. Thank you for your time.
Product: Debt collection

ON XX/XX/2017 MY DAD RECEIVED 11 CALLS ON HIS CELL PHONE WHILE AT WORK! HE RECORDED ALL CALLS. 
FAILED TO VALIDATE AND IGNORED CEASE AND DESIST. 

VIOLATORS OF THE DODD-FRANK ACT FDCPA 11 COUNTS OF T.C.P.A. INFACTIONS FCRA
Product: Debt collection

Hi, XXXX XXXX Ive gotten approved my the most worse low money hungriest loan lender purchasing a car and was really forced! Only because my credit wasnt so good! So ive been had my car since XXXX last year of 2023 at XXXXXXXX  in XXXX IL. They have a lender that is called Easy acceptance  in XXXX IL! They bugs me constantly to pay my car note Ive never missed a payment until start to bug meee! Than if I dont pay or try to communicate Ill pay the double fees, THEY LITERALLY CUTS MY CAR OFF last week I was out the country miles away from my son which is XXXX XXXX XXXX and my sister is XXXX with a driver licenses in the cold below XXXX outside cuts my car off and they were they for hours calling I have screenshots of them calling and calling more than 100 times sadly to at least cut it on for an hour to at least get home at XXXX at night! Not knowing the car WILL JUST shut off! I had to make it back home change my flights and everything cause I sent my money to my sister she blew me up at XXXX in the morning! XXXX here central XXXX XXXX she finally gets in touch with Easy appectance XXXX last time before they closed at XXXX which was XXXX asking her do she have the money my baby sister said no my sister is out the country rn she did say she had to pay her car note to me but right now she is not here I have her son in the cold can you turn car back on for an hour and HUNG UP ON HER! I am tired of this PLACE THEY DONT DO NOTHING RIGHT WHEN I FIRST Got MY CAR IT STAYED IN THE SHOP! In theirs I put money into this car my last! I do not have an set schedule so but I am pay my car note I cant even get them to understand hard times if you look into them THEY REVIEWING IS 2.2 wow! And so many shameless people they are scamming!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation. 


Account Name : XXXX XXXX XXXX. 
Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX {$16000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX Amount - CHAPTER XXXX BANKRUPTCY FILING XXXX Amount XXXX XXXX  Balance {$1500.00} Chapter XXXX Bankruptcy : Bankruptcy XXXX Amount Chapter XXXX Bankruptcy : Bankruptcy XXXX Amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, MIDLAND FUNDING LLC, XXXX XXXX XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( XXXX, XXXX, and EQUIFAX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.
Product: Checking or savings account

I have filed multiple identity theft reports and contacted Chase bank multiple times to explain the charged off accounts in my name. They have implemented a XXXX XXXX against me even with the accounts being never opened by me. I would like to be able to open a checking account with Chase bank please.