23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/XXXX XXXX XX/XX/2023 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

Dear CFPB, I am writing in reference to the recent response of Equifax, XXXX and XXXX to my CFPB complaints, dated XX/XX/2024, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies.

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX Same Inconsistent Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX - Removed in XXXX and XXXX on XXXX XXXX XXXX  - Account # : XXXX  - Removed in Equifax on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 
I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal.

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, XXXX
Product: Debt collection

Diversified Consultants contact me by phone and mail debt i dont know, and reporting to credit bureaus i sent certified mail XX/XX/2018 asking them to validate debt proof of contract singiture they fail to do so. Need removed and closed from credit report thx
Product: Money transfer, virtual currency, or money service

I sent a refund back to a customer that provided a zelle phone number. I entered the wrong number and send {$500.00} to that person. When I reached out to return the funds they ignored me and would not sent it back. The bank said they can't reverse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send 2 letters with attached requested documents for my identity to Equifax. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.
Product: Mortgage

Dear Consumer Financial Bureau. 
As I have already stated in my complaint # XXXX, I have been for the last 4 years trying to settle an equity loan with Citibank Financial group. After receiving a loan settlement from XXXX in which I responded with a payment plan of 6 weeks they denied once it was submitted to Citibank. Then citibank took back the loan from XXXX and started sending me communications. I then hired the law offices XXXX in which I submitted several loan settlements and all were turned down. Once again I am being penalized for a home that I have owned for the last 20 years. After been unable to continue payments to the law firm to represent me, I have been sent several email messages to my loan support specialist XXXX XXXX and made several telephone call to Citibank XXXX number, only to keep getting transferred from one representative to another and unable to speak to XXXX XXXX which they keep stating is my Support Specialist but she is unavailable. Although I keep giving them her extension number they will not transfer the calls to her. Citibank keeps playing games and does not respond to any of my emails or telephone calls. Meanwhile the loan interests keep on piling up and I have no way to reaching them. This is unjust and unfair. Once again proving how the big banks keeps punishing the little guys. I would like someone to intervene of my behalf and assist me in getting this matter resolved.
Product: Debt collection

XX/XX/2021 at XXXX PM I reached out to XXXX XXXXXXXX XXXX leasing agent named XXXX XXXX. I have paid my rent in full up to the term of my lease of XX/XX/2021 at that time. I was over XXXX XXXX XXXX XXXX and I didnt have the time to do a 90 day notice of leave I end up giving XXXX XXXX XXXX a notice of 60 days instead of 90 but I told them I didnt know the terms of my situations at that time. Now, almost 4 years later theyre saying that I owe them a certain amount of money and they have put it on my credit report. This is not accurate, and I already tried to dispute it with XXXX, which they said it was accurate, but they never did a real investigation or ask me any information about the case
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint against EXPERIAN because they would not dispute an account as fraud. I was provided this Case # XXXX and on XXXX I was provided this response from EXPERIAN stating that they will dispute the XXXX account. " Thank you for submitting your dispute on XX/XX/2023, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We are transferring your concerns to our Experian dispute center. Upon completion of the reinvestigation, a notification of the results will be sent to you for review. The reinvestigation can take up to thirty days. '' I called EXPERIAN today and spoke with XXXX in the Special Services Dept. He said he sees the CFPB response and request to dispute the XXXX account as fraud, but he is unable to and it would have to be an internal department. 

I am completely flabbergasted. I explained that EXPERIAN directly mentioned that the account would be disputed again as fraud but nothing was done and he told me that he doesn't have the ability to do it and if I disagree, my next step should be hiring an Attorney. 

This fraud that I am dealing with has already cost my credit, my time and money ... and now I am told I need to pay for an Attorney? I can't even express how upset I am about this.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

Dear Veros Credit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Veros Credit ) are " requiring '' a cash down payment. I am demanding that Veros Credit provide verification of XXXX XXXX, XXXX, statements that Veros Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau equifax I even sent in my identity theft FTC report and nothing has not been done at all
Product: Credit reporting, credit repair services, or other personal consumer reports

was harmed by hard inquiry by the SBA for over 100 points after they said they wouldn't do that. than all the other hard inquiries were unauthorized
Product: Debt collection

They are attempting to collect a debt for {$510.00} that does not belong to me. I was a victim of identity theft. they have not provided me with a validation of debt or any other document proving this is legitimately my debt. They are still reporting it to the credit bureaus as a collection. it is severely affecting my credit score
Product: Mortgage

I was assured that my refinance loan was approved from the initial application. I was quoted one % rate and amount available and later that changed. The initial amount of the loan increased and the % rate increased. Everytime I thought I had submitted the proper paperwork to get the loan to the closing table, another document was requested. Finally after three months, I was informed that I had to have {$4500.00} in reserve for them to proceed with closing. In addition, I was told that an appraisal would cost from {$200.00} to {$450.00} and would not accept the appraisal that I had received less than 3 months prior. Accepting that, I was shocked when {$650.00} was drafted from my checking account. The appraisal was quoted at {$25000.00} less than the prior one. I have yet to receive the appraisal, though I have made several requests to receive a copy.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681s-2 ( A ) ( XXXX ) 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 called Convergent services about a debt I owed. Once connected with an agent I could not get a straight answer about what the debt was from. Agent then asked if I had a job I said yes. Agent then responded that theyd put me on a payment plan. I declined and let the agent know I would contact XXXX directly to figure out what exactly I owed from. Agent then responded why would you do that and what am I not understanding? I let him know that I would contact XXXX and figure it all out and make a payment in the coming days. Agent stated that he would be calling me back and threatened me by saying that I better pick up or else. When I asked him to repeat himself he asked what was that so I repeated asking him to repeat himself and he disconnected our call.
Product: Credit card or prepaid card

In XXXX of 2022, XXXX XXXX, I purchased a sofa online from XXXX XXXX. I was told Id receive it within 8-10 weeks. After 8 weeks passed and I hadnt heard anything, I reached out to the company, was told they were going through an acquisition and to keep an eye on their order update page. I checked back constantly, and in XXXX I finally learned that they had not produced my order and I wouldnt be receiving it. So they told me to file a claim with the company handling their finances during the dissolution of the company. And to wait until XX/XX/XXXX for a resolution. So I did what they said. And I waited. And I filed a dispute with XXXX XXXXhe first week of XXXX after finding out I would not be getting a refund. And now my bank and XXXX  have told me that there is nothing they can do to get my money back. But I know thats a lie. Because Ive spoken to others in my situation who are getting their money refunded by their credit cards and banks. 
I really need to have my money refunded. I paid for a good that was never delivered. The company took my money and walked away with it. It was nearly XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Line of credit. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online FCRA VIOLAITONS REMOVE INQUIRES XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - UNKNOWN PAYMENT SHOWING FCRA VIOLATIONS FIX THIS SEE ATTACHMENTS
Product: Debt collection

i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to fail to provide the necessary proof that my consent was given in obtaining a hard inquire into my credit history. 
Per FCRA ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in  connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance Again I did not submit a hard or soft application and did not authorize Quicken loan to perform a hard credit inquire.
Product: Credit card

I never opened a Venmo credit card I tried contacting them numerous times to let them know its not my account, I never gave authorization for it to be opened, my information was used and compromised
Product: Student loan

On XX/XX/2018 fed lon serv is reporting my payment is late it was on forbearance. I talked to a manger of the company they insured me I do not owe right now. because it is on forbearance but will owe later when it comes of forbearance but it was still marked late. this is XXXX  me now because I am trying to get a mortgage
Product: Vehicle loan or lease

Paid XXXX XX/XX/2020 for XXXX. Paid XXXX XX/XX/2020. Paid XXXX XX/XX/2020. Regular payments are XXXX and now I'm behind XXXX. Kia mother finance won't take my calls. I have spoken with everyone and for several weeks. My payoff is XXXX, when it should be less than XXXX. My account was closed and I have statements to prove why. It does reflect all the payments I made and on time. Please help. Thanks.
Product: Credit card or prepaid card

Bank of america Amtrak credit has the most confusing auto pay system, compares to peer products from chase or XXXX. 

I opened this credit card in XX/XX/2019. And I set up auto pay with Amount Due. Without any notification, the system chose minimum due automatically. In addition, they never sent out alters that remind customers they did not make a full payment. 

Until, I have took some time to review my credit statements, I finally realized I have pay over 200 hundreds dollars interest rate fees. 

I have tried to contact Bank of America, they did updated the App/Web interface for auto pay. That means they admitted their system not sufficiently clear for customer. However they refused to refund the interest charges that were unfairly charged.
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 : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

Navient has made it impossible for me to lower my monthly payment. It 's XXXX dollars a month and when I have called them, almost 10 times about some kind of plan I can get into, they say with the type of loan I have, income-based repayment is not an option. They informed me if I was struggling financially, I should take a forbearance period until I can make more money to afford the monthly payment. Also while collectimg interest on the loan. I have looked into what my payments are going to, and all of it has went into interest, almost XXXX dollars worth every month just for interest!!! SCHOOL : The XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142b4 5 1002.142b7. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are unauthorized. 1. courtesy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove these items from my credit report within four business days per the 605C of the Fair Credit Reporting Act Thank you for your prompt attention to this urgent matter.
Product: Debt collection

Capio Partners has put a debt on my credit report that was taken off one month then they put it on the next after it was closed. I asked them to stop calling me and even blocked their number but they still call. They list the debt as being opened this year. That is false and against my rights as a consumer to report any incorrect dates.