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

On XX/XX/XXXX an account was fraudulently opened with XXXX with a balance of {$1400.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX on my credit report as a charge off. 

I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have asked the collection agency to provide me with documents the will confirm the debt. I lady kept cutting me off and was argumentative so I ask them to never call again until the can establish if I owe them. They continue calling 2 to 3 times a day. On Friday, XX/XX/2018, starting at XXXX pm they called me a total of 13 time back to back
Product: Credit card

I always pay on time, but Im not sure why this company is showing late payments for some months. According to USC 1666b, billing errors must be fixed and updated to reflect timely payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

They tried to compromise and stole my information and account without my consent.
Product: Mortgage

I just did a Refi on my home, my escrow balance was {$240.00} in XX/XX/XXXX, and an payment of {$50.00} in XX/XX/XXXX, for a total balance of {$290.00}, prior to the closing of the Refi ( XX/XX/XXXX ), The Escrow was NOT merged into the new loan as they charged me {$440.00} for the escrow on the XXXX, I called them today and they said that a payment of {$170.00} was made and the balance of {$67.00} is to be returned to me, My question is where did that {$170.00} go and where is the {$50.00} which was paid on XX/XX/XXXX for a total of {$220.00} missing, My Home owners Insurance is not due until XX/XX/XXXX, and I am a XXXX  % XXXX Service Connected Veteran, i am Exempt from Property Taxes, when I called an XXXX XXXX said that i would have to contact loan servicing by email, at Shell Point ( XXXX ) as they do not have any telephone numbers.. 
this company use to be XXXX then my loan servicing changed to XXXX and now is Shell point to me this sounds fishy like a shell game to avoid laws and or taxes
Product: Payday loan, title loan, or personal loan

I have a secured loan # XXXX with Lendmark that was started on XX/XX/2021. They have the title of my car as collateral. On XX/XX/XXXX i made my monthly payment of {$270.00} with my XXXX XXXX XXXX debit card. It cleared on XX/XX/XXXX. On XX/XX/XXXX Lendmark called me and said the payment was returned and past due. I checked with my bank and it was not returned or refunded. I provided XXXX XXXX and XXXX XXXX at Lendmark my bank statements and transaction details showing them the payment cleared and was not returned. Through the month of XXXX they continued requesting my bank statements on a weekly basis and i provided them. The payment was never returned or refunded and they have refused to update my account balance. The loan is now in default and they have informed me the car will be repossessed if i dont make that payment again. I called Lendmark and did a conference call with XXXX XXXX XXXX so they could directly ask them about my account. We did two conference calls in the past two weeks. Both times the bank directly told them my account was never refunded or returned any amount of money from Lendmark. 
Lendmark has now refused to answer my telephone calls over the past week. They are still showing my account in a default status on their website. I am worried they are going to repossess my car. It is very unfair. 
The payment cleared on XXXX which was 58 days ago. I am a XXXX patient and XXXX. Please help me with this. Thank you.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

On  XXXX   XXXX ,  2017 Wells Fargo sent me a letter notifying me they were closing my safe deposit box. I promptly complied with their request for me to return the key. Unfortunately they have refused to return the money I paid to rent the safe deposit b  ox.
Product: Mortgage

I am a practicing, licensed RN and a full time faculty member at a private university in Indiana who has taken care of COVID patients throughout the entire pandemic and who has taught students how to take care of patients and become nurses. 

I applied for a loan from 5th 3rd bank in XX/XX/2020 and as of today, we have still been unable to close. I have submitted every single document they have requested ( verifying my income and bank statements 3 separate times, because they expire after 60 days ).

The manager I have dealt with XXXX XXXX has missed scheduled meetings with me and has refused to give me the name of her direct supervisor more than once. I have emails confirming this. 

I have endured new onset of chest pain related to the stress of this entire process. I have done everything they have asked and have been as patient as I can be but I am now at my wits end. This is not right. 

Please investigate this matter.
Product: Debt collection

I am getting letters in the mail and phone calls from Penn Credit that show the debt to XXXX XXXX XXXX in XXXX, Arizona. However, I never had any debt, the balance on my XXXX account is XXXX and I always paid all my utilities way before the deadline! 

When I am getting phone calls from Penn Credit, representative refuse to tell me what they are calling about, but request me my sensitive personal information, like my address. Obviously, it is not save to give my sensitive personal information to somebody who call me for unknown reason. I believe that by such request Penn Credit violates the laws that protect my identity. The last such call from Penn Credit with described scenario happened today, XX/XX/2018, before noon of XXXX XXXX XXXX. 

When I am calling to XXXX XXXX company to resolve this issue, they pretend to be an idiots, are totally unqualified to help me with this issue, and do not make any notes about my phone calls on my XXXX account, so next time XXXX representative do not believe me that I already called them about this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and associates, 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

My mother XXXX XXXX and I, XXXX XXXX were on a loan that was done in XXXX. My mother filed bankruptcy in XXXX and the first loan which was XXXX XXXX XXXX and second loan which was XXXX XXXX XXXX were discharged. XXXX XXXX, which eventually took over the loan for XXXX XXXX XXXX in XXXX, started a Notice of XXXX in XXXX and did not foreclose on the home. They transferred the loan to the second mortgage company which was XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX then gave another Notice of Default in XXXX. The home was sold at auction in XXXX, XXXX for {$200000.00}. Both companies turned down cash offers in XXXX and XXXX for over {$230000.00} to come to this conclusion. There negligence in responding with counter offers after 30 days was a reason some buyers rescinded other offers also. After researching and hiring a private investigative auditor, they found fraudulent items and all of this led to a wrongful foreclosure. Also on my XXXX Tax Return, it showed XXXX XXXX XXXX 's XXXX showed my Outstanding Principal Balance is {$0.00}. My credit history was outstanding with scores that ranged from XXXX and higher and it should be back near those same scores. 

I have submitted all investigation reports and numerous violations to each credit bureau last year and this year.
Product: Credit reporting or other personal consumer reports

I recently requested for a correction to be made on my credit report because I was showing XXXX credit inquiries showing on my credit report. The bank recently closed my business bank account which they had sent me a pre approved letter for business credit. Then they proceeded by denying my application and giving me XXXX credit inquiries while at the same time sending me a " end of business '' letter where they didn't disclose why they were discontinuing doing business with me. I think its completely unfair for them to promote pre approved credit, have me apply, and then stop doing business with me while at the same time reporting a hard inquiry to my credit report not just once but twice. I need both hard injuries to be removed. XXXX XXXX XXXXXXXX is destroying me chances from continuing business else where.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are false and are harming my livelihood. ) # XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX - # XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX ) XXXX XXXX XXXX- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ) 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 was added as an authorized user on a credit card, without being made aware. With that being said this credit card is grossly over used and has a very high balance. The card companies name is JPMCB Card Services, with this credit card and its high balance, my credit score is being affected negatively.
Product: Debt collection

I am submitting a formal complaint against Receivable Management Services ( RMS ) regarding a collection account they have reported on my credit report in the amount of {$890.00}. I have no knowledge of this debt, nor have I received any information from RMS regarding its origin or the original creditor. Despite not being provided any verification or notification of this debt, it has been negatively impacting my credit report. 

My concerns are as follows : Lack of Notification : I was never notified by RMS regarding this debt before it appeared on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper notification and validation of any alleged debt. 

Failure to Validate the Debt : Upon discovering this account on my credit report, I requested information about the debt, including the name of the original creditor, a detailed account statement, and proof that RMS has the legal right to collect it. However, RMS has failed to respond or provide any verification. 

Unjust Credit Reporting : Reporting a debt without proper validation is not only a violation of my rights under the FDCPA but also causes undue harm to my credit score.
Product: Credit reporting or other personal consumer reports

XXXX- Disputed but information not corrected. 
XXXX XXXX XXXX XXXX Disputed but information not corrected. 
XXXX XXXX XXXX- Disputed but information not corrected. 
XXXX XXXX Disputed but information not corrected. 
XXXX XXXX XXXX XXXX Disputed but information not corrected. 
XXXX XXXX  Disputed but information not corrected. 
XXXX XXXX XXXX XXXXXXXX Disputed but information not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of them, and the company carried them out without my permission.
Product: Credit card

I have had XXXX transactions regarding returns/refunds. The business was XXXX. I made purchases on XXXX occasions. I returned the item and Wells Fargo did not credit my account for a full 3 to 4 days after the return. When I called XXXX, they stated the returns were approved and released that day. This is Wells Fargo attempt to charge interest on the balance for an extra 3 to 4 days. That is cheating the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

After a dispute a Negative remark was removed from a Experian Credit report but it was returned to my credit.
Product: Credit reporting

Equifax is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to Equifax for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. Equifax has repeatedly said they verified this information was correct with XXXX ... BUT THEY HAVE MY BANKRUPTCY PAPERWORK AND KNOW XXXX COULD NOT BE REPORTING EVEN IF IT WAS CORRECT, WHICH IT IS NOT!
Product: Credit reporting or other personal consumer reports

RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX XXXX to conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law.

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent CFPXXXX findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation. 
If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the XXXX and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

This is in response to complaint XXXX Grain has finally updated my payment information however, late reporting is still showing. I was told in XXXX it would be updated XX/XX/1924, as that is around the time their systems send reporting. All late reports need to be removed. This has been an ongoing issue for XXXX year. They alleged I did not reply in XXXX / XXXX which is untrue. I can send a full thread of emails if necessary. Grain also lied and said they did not delete my prior checking acct information however, I sent them an email confirming their agent removed it. This has happened TWICE now. This company has gotten away with shady business practices for years. I am not the first to make this sort of complaint. The XXXX  is full of complaints with identical issues. They did not respond to the XXXX  in regards to my concerns with them or the Attorney General. I was told by someone in the XXXX that they are looking to other complaints of this nature as this could be an even bigger issue. I am hoping they are right. ALL late reporting needs to be updated ASAP. I need instracycle update. My credit was destroyed because of them and I have spent countless hours trying to resolve this. They have provided false information to the credit reporting agencies knowing they had system issues for YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA- XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ; XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX  XXXX Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

did not authorize these inquiries and strongly suspect they are deceitful. I implore you to carry out a detailed investigation and promptly expunge them from my credit history.