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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

a request for a letter explaining what you have done to Inform business where the account was opened, that the debt is the result of identity theft ; Stop collection proceedings against me ; Stop reporting information about the debt to credit reporting companies ; and to provide me with the records was made to the above named Corporate Entity on the date of XXXX XXXX, XXXX XXXX Exhibit A - XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and the Corporate Entity and Fiduciary failed to produce based on " failure of consideration '', " fraud '' or " mistake '' : In failing to provide such XXXX XXXX XXXX XXXX Harris & Harris, LtdXXXX and all agents have shown bad faith and default in their lawful duty of record to legally verify THE ALLEGED DEBT.
Product: Debt collection

Received a notice from CONVERGENT OUTSOURCING on a debt that is not mine. I have no relationship with this company. 
They say it is in regards to XXXX which is investigating my account for FRAUD. How did this company get any information regarding this issue?
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not informed about this, and the company did it without my agreement.
Product: Credit reporting or other personal consumer reports

When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the Equifax XXXX breach which I have reason to believe that was a reason that my information was compromised. In XX/XX/XXXX XXXX XXXX sold that debt to a collection agency XXXX XXXX XXXX which has been reporting a balance of {$6500.00} on my credit report since that time frame. They both are still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Mortgage

My Mortgage Servicer informed me that beginning XXXX, XXXX, my monthly mortgage payments would be increased to {$1600.00} from the previous {$1500.00} due to an Escrow shortage of my account. However, on the Mortgage Servicer 's website, my online account shows a monthly statement of {$1500.00}. I have been sending monthly payments in the amount of {$1600.00} via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute on XXXX XXXX, 2017 stating that several accounts were invalid and should be deleted from my file immediately. Within 30 days Experian completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. Experian has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.
Product: Payday loan, title loan, or personal loan

I submitted my form of payment was previously told it was accepted it, I certified mailed it and now come XX/XX/21 received a call from Acima and that they do not accept that form of payment they are in malfeasance of office that is a felony crime. I have asked them to mail me my form of payment back and stated that they have dispose of it, how have they so quickly disposed of it, when we were still discussing the form. Not even five minutes later.
Product: Debt collection

List of phone calls .... 

Mobile Loans Was told on XX/XX/19 to not pay and then they will offer settlement Missed Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX Answered Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX   Answered CallXX/XX/19-XXXX I told them I could not afford to pay them and told them I'm sorry Missed Call XX/XX/2019-XXXX XXXX Sent an email stating I will only want one call a day. XX/XX/19 Missed Calls XX/XX/19 XXXX and XXXX Answered Call XX/XX/19 XXXX XXXX Told them I could not make a payment and asked for settlement Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Answered Call XX/XX/19 XXXX Told them I could not make a payment and asked for settlement. Explained that my other bills come first. 
Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Sent a second email stating I will only want one call a day. XX/XX/19 Answered Call XX/XX/19-XXXX XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 
Missed Calls XX/XX/19XXXX Missed Calls XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Called Them XX/XX/19XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 


Here is the list of phone calls I received and I have asked for only one phone call a day on XX/XX/XXXX. They said since they are not a third party debt collector the FDCPA does not apply to them. I would like a settlement before it is sold. But they are breaking the law as far as I know.
Product: Credit reporting or other personal consumer reports

Why I not receiving responses from the 3 bureaus? I remember I send my dispute letters last month it's been 30 days and I NEVER received any response. Please make an action now or else I will file a case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX I sent a certified letter to EXPERIAN and to XXXX XXXX XXXX I informing them to delete this fraudulent account from my credit profile. I have not made any payments to XXXX XXXX XXXX. 

XXXX XXXX XXXX reported receive of payment on XX/XX/XXXX in the amount {$100.00} and on XX/XX/XXXX in the amount of {$250.00}, and a balance {$3200.00}. 

XXXX XXXX XXXX is reporting to the Credit Bureaus with a new balance, late payment and past due amount every month, and also reporting as a charge off every month.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Repeatedly called after i requested this information be mailed. Threatened to sue me to call my employer and to do anything necessary to recover this supposed debt
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a multiple inquiry removal letter and yet it is still registering under my name multiple inquiries
Product: Mortgage

I was refused a Mortgage to buy a home XXXX XXXX 2017 by Van Dyk Mortgage-XXXX. They used XXXX XXXX and XXXX to base their refusal. My credit scores are not high enough according to their guidelines. I have been working at the same job for nine years, my credit card payments are 100 percent on time and My rent has been paid on the first of the month for 9 years straight at the same residence.. My income to debt ratios are fine even though I have maxed out my credit cards do to 5 XXXX in the pas 3 years. Why should I be refused to buy a home which actually would make my mortgage payments lower than I am currently paying for rent. One of the reasons for denial of loan was delinquency of payment which is untrue because my credit report shows 100 percent on time payments Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I withdrew exactly XXXX XXXX to my personal account from Coinbase via a XXXX  transfer, since then coinbase has not responded to any of my support tickets and has now been over a month. The lack of communication and lack of support makes me to believe this company is withholding my XXXX for their own benefit and completely lacks any customer care or support. I have contacted my bank ( XXXX ) and they have responded that the transfer was actually returned to Coinbase themselves. So therefore they need to credit my account with exactly XXXX XXXX. I 'm frustrated and angry with this lack of communication as it 's a lot of money, I 'm hoping you can help resolve my issue.
Product: Debt collection

I have no knowledge of this transaction or authorized the usage of my social opening this account. I see that the original creditor is XXXXXXXX XXXX. Do to financial situations, I did fall behind on my loan payments with them. I believe that the information being reported is inaccurate. For that reason, I'm requesting any account-level documentation in your possession in addition to the following information to validate this debt : itemization Date Required disclosures that were sent. All account notation and call logs, Copies of documentation that you provide to the consumer me that CREDIT CORP SOL INC has the right to collect this debt such as the PURCHASE AGREEMENT not the bill of sale or assignment but the actual PURSCHASE AGREEMENT. Also information as required by REG F- 1006.34, 1006.38 and 1006.42. SSA89 authorization to use my social security number to open an account. This is black mail extortion and unauthorized usage of credit. Take note i refuse to pay due to hard times like I said in the beginning I lost my job, I got evicted and had to move in with a friend, I can barely keep up with my car note and insurance at this moment. Plus with all the chaos in the world I'm debating i even want to go outside, Gas price are high food has inflated.
Product: Debt collection

Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters on XX/XX/2020 & XX/XX/2020. I have received any results on my investigation from either dates. I am highly upset because this is affecting my financial well-being.
Product: Credit card

Letter is attached from corporation stating that his account isnt mine and im not resposible for the account
Product: Debt collection

I submitted a Deed in Lieu to JPMorgan Chase Bank , N.A . in 2011. It was received and accepted by the lender but never processed. To this day, I am still receiving notices from XXXX XXXX XXXX XXXX about assessment fees. This issue was supposed to have been settled between Chase and the HOA last year. The DIL was supposed to have finally been settled early this year. None of these things were settled and my credit score, along with threats of suit, is suffering.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I would like to file a complaint against XXXX Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about items reporting negatively on my credit report. I even had a suffix adding to my name and spent months trying to get the matter corrected only to have my credit score to drop in place of the suffix being removed. My score dropped XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advise the company of the error and I was denied access of my own credit report and was told that my report had fraudulent activity only to report items back on my credit files that already had been paid, and resolved. They are also reporting items over 7 years old, items paid and discharged through bankruptcy as negative items. XXXX does not investigate items being reported before placing on and individual credit report or do they investigate after a dispute is filed, I have inquiries buy the same company placed repeatedly on my file and when brought to the attention of the Agency nothing is done about it. I feel that individuals scores would not be on the downside if credit reporting agencies will do there part in reporting correct information and making sure that what they are reporting is in fact correct information and not just report information from companies just because they receive information on a individual. Either they investigate and report accurate information or not report it at all. I want my report reviewed for the information Ive stated above and recalculated or for XXXX not to report anything about myself at all. Its not fair!
Product: Credit card

Synchrony Bank closed XXXX of my accounts on XX/XX/2024. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXX Bassett Furniture XXXX I spoke to a customer service XXXX and said that I was fine with closing Mattress Firm and XXXX Bassett Furniture cards, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all 5 accounts at one time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Product: Checking or savings account

I had transactions pending debiting my account in the amounts of XXXX, XXXX, and XXXX on XX/XX/18. Had they posted to my account they way they came in then I would have only received 1 NSF fee of XXXX. Chase bank decided to change it and pay the largest one first causing me to receive {$100.00} in NSF fees. The practice of paying the larger item first is abusive to the consumer so they can charge the most amount of fees.