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

My wife and I own our home in XXXX XXXX, FL, which took a direct hit from XXXX XXXX on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, Loan Care, to request a 30-day extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXX XXXX XXXX XXXX, or it's processing company, LoanCare, is helping me with this. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover inaccurate accounts appearing on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the errors persisted. Given this situation, Im requesting that the documents Ive sent be reviewed carefully so I can finally have peace of mind.
Product: Payday loan

I submitted request to stop ACH transactions from my account on XXXX XXXX, 2015 and XXXX XXXX, 2015 to the customer service departmentdepartment and ACH department of Castle Payday per the directions on the loan application. On XXXX/XXXX/2015 they performed a debit on my account. When I called customer service they stated they did n't receive it first, then they said they received it " today '' ( XXXX/XXXX/15 ) which not adequate time to process. When I explained that I sent multiple correspondence to multiple customer service accounts, they had a " supervisor '' call back to investigate the matter. On XXXX/XXXX/15 they called me to say that they did receive the information, but their department was delayed in processing the request. I advised them that I can not be penalized for their error. They then stated that records indicated that they did have it, after I threatened action against them by filing a complaint with my bank. They stated that they will refund the bank after contacting my bank to review the transaction history, to see if I incurred any overdraft fees, and to see what transactions I had on my account. I submitted them a ledger of my account showing the transaction and advised them they do not have to contact my bank for my personal financial information and they are only obligated to see their transaction summary. They have not reversed the funds. I will be filing an Affidavit with XXXX XXXX. 


Bank info : XXXX XXXX, Virginia
Product: Credit reporting or other personal consumer reports

The credit bureau, ( XXXX/Equifax/XXXX  ) has allowed an account from XXXX XXXX XXXX to be reported without properly verifying its accuracy. This account has no identifiable account number, is misrepresented as Original Creditor, and was illegally re-aged. Despite disputing this with the bureau, it has remained on my report, resulting in a significant credit score drop. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy and completeness of reported information. I am seeking the immediate removal of this inaccurate account and for the bureau to enforce proper verification standards moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints with each credit reporting agencies about these issues and asked for removal of the inaccuracies. I started with the agencies first then came here and added complaints. And still inaccuracies remain including not reporting at all to one bureau in which a representative let me know they do not report to all bureaus. below I have all a Tri merged report that shows all the inaccuracies on my consumer report still not corrected and adding detriment to my file by putting collections on my repeort which is consumer experience and shouldn't be on file anyway per my first complaint 15 usc 1681c. section 604 a 5 section 2. referenced in complaint XXXX equifaxXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM VICTORIA SECRET AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! Victoria secret, XXXX XXXX XXXX AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my XXXX file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly placed a medical claim in collections that is preventing me from obtaining lower rates and housing. My insurance provider, XXXX XXXX, labeled the claim as provider responsibility because they requested more informative on tge treatment due to the high billing statement. They did not receive a response from the provider, who then placed my account in collections. This has had a detrimental affect on my credit currently.
Product: Debt collection

Medical Data Systems refused to send me a statement about what I owed in medical debt. They stated they didn't have to by law. I am in XXXX XXXX XXXX and I can not renew my student loan without the collection being paid off. 

Therefore, I agreed and paid {$3000.00} with the promise they would send me a letter showing paid in full and that it would be removed from my credit. XXXX advised she would have a letter sent 5 days after the payment was made. I made the payment at the end of XXXX. I called a week later and spoke with XXXX, she promised to send a letter in 5 more days. I still haven't received so I called back begging for it to be faxed or emailed since it has been almost a month now that I have paid. XXXX then states they don't have to send one since they " removed '' it from my credit. 

Now that I have paid, the are REFUSING to send me a letter or receipt of payment. How can you pay XXXX and NOT receive a receipt of payment or notice that the debt was cleared. It doesn't matter to Federal Student Aid if it was removed from my credit. I need the letter showing proof it was paid. Without this I can not continue XXXX XXXX I am desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent. I noticed that you weren't even investigating and you completely ignored my disputes even though the law requires you to do so. Now I have sought the advice from an attorney. He mentioned the FCRA and I'm fully aware that I have a right to dispute any questionable items or information reporting. And I also know that you are required to conduct a reinvestigation as required and that you have a period of 30 days to conduct it. He stated according to Section 611 ( a ) ( d ), I demand that these items be reinvestigated & deleted from my credit report. Section 609 states you NEED to provide proof of the account disputed and questioned form a document with their name on the letterhead. Why are the documents not presented here when asked as you continue to ignore my demand? It is your duty to update and correct information. Failure to do so, will result with another meeting with my Consumer Law Attorney to enforce my consumer rights legally.
Product: Credit reporting or other personal consumer reports

I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute and have remove a XXXX XXXX Account with a balance of XXXX and was reported as Closed on XX/XX/2014. This Account is inaccurate and incomplete its missing a complete payment history there are several months missing and not included. I have disputed This Item several times however it continues to be verified as accurate
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some hard inquires that I don't recognize XXXX XXXX XXXX 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.
Product: Credit card or prepaid card

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Card received XX/XX/2018 Offer said : " Unlimited 2 % Cash Back '' " No Annual Fee '' " Earn {$150.00} Bonus Cash Back After you spend {$1500.00} in eligible net purchases within 90 days of account opening '' I spent over {$1500.00} within 30 days. The 90 days has passed. I never received the bonus. 

XXXX contacted. Their reply is that they will not give me the bonus that was promised. 

This is fraudulent business practice.
Product: Checking or savings account

I have filed a complaint and have been denied to talk to management. I have been told to wait 2 days for a call for management. I suppose to be protected from liabities of fraud. Im writing you with a negative XXXX account. Documentation and Police Reporr that hasnt been verified. Im looking at my children that are hungry and still no Manager was notified in my crisis. 

I had a XXXX ams had XXXX XXXX XXXX. Im unaware of what transactions happen from XX/XX/XXXX to XX/XX/XXXX. My passwords were changed My phone, license, social security, debit cards, amd cell phone with electronic wallets are missing. 

I had a deposit of XXXX on XX/XX/XXXX I noticed when I got discharged from the hospital my balance was XXXX dollars Today its is negative. I started calling customer service since XXXX and now at XXXX cst Im still on hold. I have been refused management. I was this morning I was going to get a provisional credit and now told this phone call doesnt exist I have been refused a full investigation. I have been talked to horribly. Im begging for help because my children need to eat. I have to pay for shelter. 

I just asked a resolution specialist how would you feel about this situation. She says dont bring my children in this. I filed an OCC COMPLAINT due to I put money in a bank for this emergency Im a single parent and cant give breakfast in the morning. I wasnt given the opportunity for a full investation. The disputes range up to XXXX and still counting.
Product: Mortgage

Per CFPB 's updated guidance I believe I am eligible for a payment from Wells Fargo XX/XX/2016 IVE TRIED XXXX DIFFERENT TIMES TO RE-STRUCTURE MY MORTGAGE THROUGH WELLS FARGO AND THEY REFUSE TO HELP ME. THEY ASKED FOR ALL TYPES OF DOCUMENTS XXXX DIFFERENT TIMES, WHICH I PROVIDED. THEN THEY WOULD TELL ME THERE IS NOTHING THEY CAN DO TO HELP ME OR TELL ME THEY NEVER RECEIVED THE REQUESTED PAPERWORK, WHICH IS A LIE Preferred Complaint Resolution : RESTRUCTURE MY MORTGAGE OR RELEASE ME FROM I
Product: Credit reporting

XXXX is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my recent credit report, an inquiry was made by XXXX XXXX XXXX XX/XX/2023, which I did not authorize. This action is in violation of my consumer rights under the Metro 2 compliance standards, specifically the Fair Credit Reporting Act ( FCRA ), which requires that any inquiry into my credit report must be authorized by me. 

I request that TransUnion investigate this inquiry to verify its validity. Here are the details of the disputed inquiry : Name of Inquiring Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, I have the right to have unauthorized and inaccurate inquiries removed from my credit report. This unauthorized inquiry is affecting my credit score negatively and could potentially impact my ability to obtain credit. I believe that this inquiry is in violation of my rights as it was made without my permission. 
Please remove this unauthorized inquiry from my credit report and send me an updated copy of my credit report post-investigation to confirm that this correction has been made. Additionally, I would like an explanation from XXXX XXXX regarding the basis of this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They failed to validate. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. 

I contacted the three credit reporting agencies. It was removed from XXXX because they failed to validate ... XXXX says they did validate, but they have not done so. 

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Checking or savings account

I was laid off on XX/XX/XXXX, and my employer issued me two final paychecks. To my dismay, Chase Bank, without any notice, closed my account and placed a hold on these checks ( amt {$6200.00} ). 
Upon discovering the missing amount in the final check, I contacted Chase Bank to inquire about the issue. I learned that they needed to verify a few things with my employer. They requested a verified number for my employer. Despite providing them with my company 's number ( XXXX ), they claimed it was not verified, even though it is a verified number and related to XXXX XXXX, my former employer. 
To further support my case, my company provided a letter signed by our CFO, confirming the validity of the checks and their good standing with me ( see attached letter and refer to checks # XXXX and # XXXX ). I submitted this letter to the branch manager during my visit on XX/XX/, but unfortunately, I received no response. Subsequent attempts to communicate through emails, phone calls, and voicemails have also gone unanswered. Furthermore, my company attempted to recall the funds, but Chase Bank has not released the money to them either. 
This situation has caused me significant financial losses and immense stress, considering it has been more than two months since I was laid off, and I still haven't received my rightful payment. I kindly request your urgent intervention to resolve this matter promptly. Your assistance in releasing the held funds and providing a swift resolution to this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies has violated my consumer rights : XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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. states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681i ( 5 ) ( b ) ( i ) states the certification of accuracy of information 15 U.S.C. 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1692i states debt collection companies have no legal obligation to collect on alleged debt. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

15 U.S.C 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/XXXX 

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 consent.
Product: Credit reporting or other personal consumer reports

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and On XX/XX/year> XXXX XXXX  was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Checking or savings account

Marcus by Goldman Sachs are verifying my identity with a vendor who uses public and private information. They are declining me when verifying my identity. They are REFUSING to disclose which agency or contact they are using and are refusing to take other efforts to verify my identity.
Product: Checking or savings account

Hi, After so many transaction on our business I already provided needed proof documents and they tagged my account as permanent limitation for unapproved file sharing services. I dont know what kind of file sharing sevices that I violated but I will make sure that all transaction are legit and coming from our XXXX website. 

Please I need to restore my personal account. I want to be honest that I tried to create another account to paypal but they still banning. 

Hoping for your kind consideration on my case.