23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. ) I was applying to have my house refinanced, unfortunately I was denied. I was notified that the reason that I wasn't approved was due to the fact there was a Degregory account on my Experian Credit Report. One XX/XX/XXXX I requested all 3 of my credit reports, Experian listed an account that shouldn't have been reporting on my credit report which caused me so much mental aggress and embarrassment. The account that provoked my denial to refinance my house XXXX XXXX Acct # XXXX was on DELETED XX/XX/XXXX. I do have documentation to prove their horrible mistake. 
2. ) The names being reported on my file are completely inaccurate.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses damaging my file. 
1. ) XXXX XXXX XXXX # XXXX XXXX, TX, XXXX - ID # XXXX. 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX - ID # XXXX ( I HAVE NEVER LIVED AT ADDRESSES LISTED. 
3. ) A major discrepancy my last 4 of my Social Security Number is showing XXXX. 
4. ) XXXX XXXX XXXX XXXX XXXX. I am authorizer on this account, and I need to be removed. 
ALL THIS INFORMATION THAT I JUST PROVIDED YOU IS COMING DIRECTLY FROM MY EXPERIAN CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I Recently Reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Name XXXX XXXX XXXX number Account : XXXX, I don't recognize that account, much less that company account on my report. Please remove these account from my report, they are aggressively hurting and affectting my ability to obtain credit for a long time. Additionally These are the other inquiries that i do not recognize and want to remove from my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015 the original credit reporting company ( XXXX ) submitted my name to the XXXX credit bureaus for deletion ( XXXX reference # XXXX ), and while XXXX & XXXX have removed my " open acct. derogatory mark '' from my credit report ... Transunion continues to report this erroneous {$1.00} open collection debt on my credit report - which has had direct impacts on services I 've sought. I 've contacted Transunion who informed me that they must here directly from the collection agency. If XXXX & XXXX were notified that my name / open collections derogatory mark from their records ... I 'm sure Transunion was notified as well ; however, they have refused to remove this derogatory mark from my credit report.
Product: Checking or savings account

On Thursday XX/XX/XXXX I submitted two checks electronically ( I had left my debit card at a friends and had n't retrieved it yet ). Throughout the weekend and into Monday of the next week I used my card. The eclecteonic checks showed pending over the weekend and I was under the impression my account wa seer up that if I did n't have the funds my card would be declined. My card was not declined throughout the weekend. During Monday night processing, the debit card transactions all posted but the bank then posted the checks after the debit card purchases. Even though they had be submitted prior. I called the bank to dispute the fees because the ACH transactions had appeared on the account when purchases were made yet posted after the debit transactions. The agent ( and manager I spoke with ) said that posting order had been changed and now checks posted after debit card transactions. ( Which is think is predatory since they can no longer charge fees for debit card transactions that they authorize if funds are n't available. ) Neither the agent or the supervisor knew when the posting order had actually changed and when I asked the manager XXXX to speak with her supervisor about it I was told that I could n't speak to them and they did n't speak to customers ( I looked at the banks published information online as directed by the supervisor and qouter to her what the online materials said and she argued that that information was incorrect and that I must be looking at the wrong banks information ). I have since been charged another fee for sustained overdraft.
Product: Credit reporting

Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by equifaxIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE  IS ALLOWING  XXXX  TO BLOCK OUR ACCOUNTS FROM REPORTING.      CAPITAL ONE  REPORTS TO ALL  XXXX  BUREAUS DICOUNT 25 % BALANCE OR BE SUED IN CLASS ACTION
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FC Subsection 605b ( 15 USC 1681c-2 ), that Equifax, XXXX, and/or XXXX block the information appearing on my consumer credit report that is the result of identity theft and fraud within four business days. The fraudulent accounts in the FTC report ( XXXX ) consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FTC Report number is XXXX. Accounts are listed directly from report stemming from investigations beginning in XX/XX/year>. Please update immediately and in accordance with the aforementioned statutorily mandated 4 day period. Additional accounts and related inquiries that not be present in the report, but not limited to, are : XXXX  - XXXX
Product: Debt or credit management

I was paying National Credit Partners to resolved my Debt with the XXXX company. My Account have being freeze about 3 times after speaking with the XXXX they never received any payment from them. I SENT National Credit Partners XXXX. I Reach out to them they only sending me invoice saying i have to pay them XXXX they never payed a dime of my money to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # 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
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file.SMALL BUSINESS ADMIN XXXXXXXX Date opened XX/XX/2016 Balance : {$23000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved
Product: Vehicle loan or lease

XXXX XXXX World Omni Financial Corp has breach the agreement as it pertains to the truth and lending law. They fail to issue a form XXXX. They fail to give me a check for the finance charges. According to 15 USC 1605 the amount of the finance charge in connection with any consumer transaction shall be determined as the sum of all charges. Charges or premiums for insurance written in connection with any consumer credit transaction against loss of or damage to property or against liability arising out of ownership or use, shall be included in the finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of Accounts has violated my federally protected consumer rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A. I have the writes to privacy 15 USC 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intructions 15 USC 1681 Section 602c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of any other adverse item 15 USC 1681 Section 602 s-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 resonable cause to believe that the information is inaccurate.
Product: Bank account or service

I live in New York and pursuant to New York State law, campaign contributions and expenditures for those seeking elective office must generally be reported in detail to the New York State XXXX XXXX XXXX. 
I attempted last week to open a campaign finance account at Chase for an upcoming local election. I provided registration information in the form of campaign finance forms showing that the candidate had registered with the New York XXXX XXXX XXXX XXXX and taxpayer id information showing that the entity had been registered with IRS. The bank was chosen because the Treasurer personally has accounts there and uses both a suburban branch and a XXXX branch. The campaign finance treasurer is well known by the bank branch, having conducting substantial business over the years. Her integrity is not in question. I will have signature authority over the account as well and I also have personal accounts at Chase. The candidate would have no signatory authority over the account. 
CHASE declined to open a campaign finance account. I protested this decision, pointing out that it was part of the bank 's CRA responsibilities to provide services required by the community. XXXX candidates need to be able to have depository accounts in order to comply with New York State XXXX. I asked to speak with a CRA representative but the branch manager said there was none to whom they could refer me. I have filed a complaint with the bank and told the branch manager that I am filing this complaint with you. Several years ago, I had this same problem with XXXX XXXX XXXX Bank who initially said " no '' to an account but changed its mind pursuant to its CRA responsibilities. 
The Chase branch manager stated that they did not want to provide a campaign finance account to a single candidate because she was concerned that it would appear that they would be favoring this candidate. This rationale might make sense if the candidate was seeking a loan or a contribution. But all that is requested is a simple checking account. 
I am looking for relief in the form of a CRA policy that requires banks and bank branches operating in New York to provide the depository/checking accounts that are required for candidates to run for elective office. This campaign finance activity is a very fundamental activity of our democracy and federally chartered financial institutions must provide the services needed by the community members to run for elective office. 
I would greatly appreciate speedy resolution. Other banks in the area have also declined to establish such accounts. Until a depository is identified, this campaign can not deposit checks nor pay vendors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries on credit repor t on  X/XX/2017  and  X/X/2017 . T he inquiries were not removed, nor did I receive a written response within the required 30   day time frame required by law. Many of the inquiries are duplicate inquiries.
  XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX      XXXX   XXXX     XXXX /  XXXX       XXXX   XXXX    XXXX     XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   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: Debt collection

Upon reviewing my credit. I notice my XXXX laws are violated. I sent a letter to the company stating I didn't give permission for 3rd parties to have my info. The company is required to provide all the things that were asked. The company failed by ; The bill does not include a detailed breakdown of any fees. You failed to do the Validation of Debt and XXXX authorization which is - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you In your response, They have failed to provide information within 30 business days. According to the FDCPA and XXXX Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. As a company they are suppose to have those items to verify if they are accurate! That's evidence!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

Fay Servicing has not been providing accurate invoicing information, to reflect current payments that are made. Furthermore, when lump sums of payments have been made, Fay Servicing has held the money in suspend, providing invoices with higher outstanding balances and incurring additional interest. Since one of the parties on the mortgage is in bankruptcy, Fay Servicing has restricted the other borrower from platform access which does not provide transparency to the account. Statements are not routinely forwarded to reflect real time payments, representatives are unable to read account and provide and provide accurate information to the loan holders regarding fees, balances and current payments due. Inaccurate information is shared by Fay Services to their attorneys which is not timely shared with our attorney. Due to their inability to share accurate and transparent information, additional attorney fees are incurred on the account causing compounded hardship on the loan holders. Loan holders are requesting access to the account platform in order to review information real time and an account representative that can provide accurate information on the account. Fay Servicing is taking advantage of the XXXX community and XXXX XXXX community that is not able to maintain their accounts in good standing as they hold money in suspend and send delayed and false billing statements which are not provided within a continuous 30 day cycle. On XX/XX/23, a court hearing was held due to Fay Servicing claiming lack of payment. The attorneys representing Fay Servicing did not have factual information to address at the time of hearing. 
XXXX XXXX order that both attorneys meet to discuss case. We were never informed in writing of this court date or future court dates. Lastly, a modification was granted a few years ago, and now our mortgage increase substantially every year. How was this modification beneficial to us when we are simply paying this company more interest and little being applied to the principal of the loan? To date, XX/XX/23, I am yet to receive an updated invoice from Fay Services reflecting the payments made to current month.

Investigation into this fraudulent activity is being requested. See attached correspondence between attorneys and statements enclosed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Equifax will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number XXXX