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

I have worked hard to maintain an excellent credit history. Unfortunately, like many others, I have fallen victim to identity theft, as well as data breaches involving EQUIFAX and TRANSUNION. In addition to identity theft, I have faced both professional and financial setbacks due to inaccuracies in my credit reports. The credit bureaus ' failure to conduct proper investigations and to correct or remove these inaccuracies has led me to reach out to you for assistance. I have disputed the inaccuracies listed below several times. 

Disputed Accounts : XXXX  XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. I was affected by XXXX and granted relief. 

XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early Hard Inquiries : XXXX XXXX - Duplicate inquiries XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing they have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a ) 2. Copies of all pertinent information related to these items, including but not limited to : -account statements showing the alleged default -proof of legitimate right to report this information -documentation of all dispute investigations conducted 3. Evidence that they have followed " reasonable procedures to assure maximum possible accuracy '' of the information as required by 15 U.S.C. 1681e ( b ) Please note that you under 15.U.S.C 1681i ( a ) ( 1 ), you are required to : Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) -Forward all relevant information to the furnisher -Report the results to me -Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory timeframe you must delete them from my credit report as required by the FCRA, 15 U.S.C. 1681 Additionally, please ensure that these items are marked as disputed while your investigation is pending.
Product: Credit reporting or other personal consumer reports

Caine & Weiner keeps reporting a debt for Progressive car insurance for {$390.00} that I do not owe. The account was closed years ago. I have disputed this charge at least three times and it was removed. The debt collector just keeps adding it back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing charged off never had an account with XXXX XXXX called and states no application or account for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX  on XX/XX/21 and have yet to receive a response.
Product: Credit reporting or other personal consumer reports

To whom this may concern, After checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. 
Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX Without Prejudice, all natural inalienable rights reserved.
Product: Money transfer, virtual currency, or money service

Person claimed to have sent me funds but I had to send a deposit since XXXX had my funds on hold. I sent 2 payment but never received any payments for the xbox series x I am selling
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry has appeared on my credit report, and I am completely frustrated because I have no idea why its there. I check my report frequently, and this has never happened before. I even tried refreshing the page, but the issue didnt go away. This needs to be resolved immediately. I am asking you to carefully review the documents I sent so I never have to deal with this kind of unnecessary stress again.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also asked for the original contract to be provided and it was not.
Product: Mortgage

1 ) Lender refused to send me a copy of the original promissory note of the mortgage loan. 
2 ) Lender refuse to produce a complete chain of assignment of the loan. 
3 ) Lender refuse to produce original loan documents for inspection4 ) Lender refuse to verify that they are the holder of the promissory note as well as holder of the mortgage.
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 XXXX  : XXXX, XXXX : XXXX, TBom/VT : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX 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 or other personal consumer reports

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

So recently checked my reports with all three bureruas and notice that these companies are not reporting accurate information. I have proof that they are reporting these accounts inaccurratly. This goes against the FCRA and is not accurate neither is it my account. I sent out a letter XXXX the XXXX and have not heard back from either company .From my understanding they have a month to respond. I would like this remove immediately.
Product: Credit card or prepaid card

I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.
Product: Mortgage

1. Selene Finance response to CFPB complaint no. XXXX was chalk full of lies and omissions. 
2. Selene Finance did not mention that I had been on a COVID19 Impact Forbearance with a previous Servicer for two consecutive ( 6 ) month periods. That is one of the reasons a payment had not been made since XX/XX/XXXX. 
3. Selene Finance failed to mention that their customer Service Rep in XX/XX/XXXX deliberately told me that Selene Finance would not honor a Repayment Plan that had been set up with a previous Servicer because it covered too many past due months and that they only do so for 3 - 4 months. This was done to prevent me from making the XX/XX/XXXX payment just as the XX/XX/XXXX had been made directly to them via USPS certified mail. USPS Certified mail was the method of payment chosen due to Selene 's very bad reputation found online for all kinds of plots and schemes played out to enable foreclosure. Hence a letter was sent to me dated XXXX that the repayment plan was being terminated due to a missed payment and a lawsuit for foreclosure has since been filed by Selene. 
4. When a notice from them received only a few days prior to the XXXX deadline where they stated they would acknowledge & honor the previous Servicer 's payment plan, it was too late for XXXX 's XXXX payment to be made in XX/XX/XXXX. The form was signed, dated and faxed back to them on XXXX. 
5. One of their rep 's did offer me on XXXX to make XXXX 's payment on XXXX and XXXX 's payment on XXXX to get caught up when I called in to let them know the form had been faxed back to them. I did not have my checking account info with me at that time and he said he could call me back the next day for it. When I arrived back home, I noticed arrangements had also been made with another creditor. I called Selene back and spoke with XXXX. I requested two more weeks to catch back up. XXXX spoke with her manager who stated both XXXX and XXXX 's payment would need to be made by XXXX. 
6. I called Selene XXXX and was spoke with XXXX as was told only the full amount of past due would be accepted. ( This is well over $ 10k ) 7. Selene Finance should be held accountable for their purposeful deceptions to speed up Foreclosures.
Product: Mortgage

XX/XX/XXXX around XXXXXXXX XXXX  I called into Specialized Loan Servicing ( XXXX - XXXX ) to make payment and representative refused to accept payment. I had unapplied funds and wanted to submit payment in order for a total payment to be applied to my account. I asked for the amount difference and the rep instead proceeded to ask questions that did not relate to me submitting a payment. He asked permission to ask why the account is delinquent and I answered him " no '' he may not ask. He asked if I wanted to make over $ XXXX payment today to bring it current and I replied " no ''. He then asked if I wanted to go over repayment options, again I replied " no ''. I asked if I could make the payment I called to make and he asked again to tell him why the account was delinquent. I explained to him that I already answered his questions and wanted to move forward with making payment. Instead of accepting payment he repeated the same questions again constantly stating the account was delinquent. ( The website is not working and I called earlier in the week to inquire about a payment. Thats when I learned partial payments weren't accepted and to make payment when I had the difference to apply to the unapplied funds. I was not told that I'd be harassed for the type of payment I was trying to make. ) While continuing refusal of my payment I began recording the conversation and informed him that he was being recorded. I repeatedly stated why I was calling, he continued to ignore my requests and repeat the same questions. I did not allow him to XXXX me into anything other than the payment I had called to make and he FINALLY went ahead and processed the payment. XXXX MINUTE phone call being harassed and I don't appreciate it. Harassment is not part of any loan document. He's definitely acting this way with anyone who calls in for payments.
Product: Debt collection

The credit card XXXX XXXX XXXX XXXX XXXX XXXX was originally opened in late XXXX with a limit of {$300.00} and charged off to a debt collector in late XXXX in amount of {$290.00}. I have disputed this several times only through XXXX that this account was opened fraudulently and i have no knowledge nor physical card itself. I have contacted original creditor ( XXXX XXXX  ) to request any documents about the card and they can not give me any information since it was sold to a debt collector ( Trident Assest Management ) whom Ive also been in contact with and have no information to provide with me except the XXXX separate amounts and dates that ive stated at the beginning. I would like to continue a dispute against this card as I believe that account was opened fraudulently in my name.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report on this inaccurate account XXXX ( Account XXXX ), I noticed a late payment, this is inaccurate and is being reported. After closely looking at the Fair Credit Reporting Act, I have made note of violations made in handling the account and thereafter my dispute. Not only is the account billing error but are reporting an erroneous late payment. There are multiple violations in handling this dispute that are clearly outlined in the FCRA within law 15 USC1666. I would like to bring your attention to 15 U.S. code 1666- CORRECTION OF BILLING ERRORS, and blatant violations within these codes.15 U.S. Code 1666 ( a ) failed to acknowledge my dispute within 30 days of receiving it, as required, and 15 U.S. Code 1666 ( b ) failed to provide the results of their investigation within two billing cycles or a maximum of 90 days. Then 15 U.S. Code 1666a ( a ) reported the disputed late payment to third-party credit bureaus before resolving the dispute, which is a direct violation of the law. Also 15 U.S. Code 1666a ( b ) failed to notify me of the names and addresses of the third parties to whom you reported the delinquency while it was in dispute. 15 USC 1666b - timing of payments, the law clearly states : ( 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 regarding the items above having late payments, it is important to note that those are to be excluded from a consumer report as well, per 15 USC 1666b , so there are various violations your agency is committing by willingly continuing to report this information. Under these laws, you are required to thoroughly investigate disputes, ensure accurate reporting, and maintain compliance with consumer protection standards. By continuing to report the inaccurate late payment, you are not only violating these regulations but also causing harm to my credit standing. 
To resolve this matter and avoid further action, I demand that you : Immediately correct the account ( by updating it to " Paid as Agreed '' ), and provide written confirmation of the update and your compliance within 30 days of receipt of this notice.
Product: Checking or savings account

Chase made an error by disputing {$49.00}. AS A and now they blame me when I try to dispute it.
Product: Credit card or prepaid card

I opened two Capital One Accounts two years ago. I have remained in good standing with both accounts. I was never late on any payment with Capital One. In the beginning of the XXXX billing statement I contacted Capital one and informed them that I was getting a promotion and the XXXX XXXX XXXX at my employer would be changing my direct deposit date. Consequently, I would be paying my credit card bill a week late. I was pro-active and extremely diligent in my efforts to remain in perfect standing with Capital One. Unbeknownst to me, Capital One continued to process my payment via. my XXXX XXXX XXXX account and the payment was declined. They tried again to process payment a day later and the payment was declined once more. On XX/XX/2023 Capital One closed both of my Credit Card accounts. I was extremely disappointed and tried my best to remedy the situation. Unfortunately, my accounts remained closed. Capital One couldn't give me any reasonable reason except it was system generated. I would like both of my credit card accounts reviewed and re-opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.
Product: Credit reporting or other personal consumer reports

Account - XXXX  : Account - XXXX XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In an effort to learn my pre-approved rate on a personal loan with ONE MAIN FINANCIAL, ONE MAIN FINANCIAL did a hard pull on my XXXX  credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.
Product: Student loan

-Made final payment on XX/XX/18. 
-Account is now - ( {$67.00} ) and being charged interest on that. 
-Notified Navient and received no correction. 
-Requested letter of stating loan was paid in full ; received nothing. 
-Disputed credit report through XXXX and XXXX for account accuracy. 
-Navient marked loan on credit report as " Closed '' which dropped my score. 
-Have screenshots of payment history showing a {$0.00} balance. Also have screenshots of account with negative balance and interest being charged on that surplus of funds for a paid off loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my husband ( XXXX XXXX XXXX and I filed for bankruptcy. We did NOT include our auto loans with Consumer financial and XXXX XXXX in that bankruptcy and payments to both lenders were made outside of our trustee payments directly to the lender. Both loans have been paid in full as of XX/XX/XXXX. We have received both payoff letters and the titles for both vehicles. However, both lenders topped reporting our payments to our credit in XX/XX/XXXX and both lenders have our status listed as " Debt included in or discharged through bankruptcy XXXX XXXX ''. Neither of which is true. When I reached out to XXXX portfolio, they stated that even though the loan was not included and was paid in full, they report it that way because we filed. They refused to update that the account was PAID. When I reached out to XXXX XXXX, they informed me that they had purged our account from their database and therefore could not help me but also stated that they didn't see that the account was 'discharged ' but could not view any other account details. They also refused to update our credit report. This is creating credit issues for us because not only did they stop reporting to our credit in XXXX, which prevents our credit score from improving, but also show that the loans were XXXX. The entire purpose of us not including them in our bankruptcy was to try and preserve our credit by continuing to pay the loans as agreed which we did. Not only did we pay as agreed, but we paid the loans of EARLY! Attached are our bankruptcy docs showing that the loans were NOT included, the payoff letters from both companies, and how they are currently showing on our credit reports. We need to get these updated to be ACCURATE because to lenders, it looks as though we did not pay off these loans and can not get a new car loan because of this.