23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The appraiser required : " 1. ) The roof over the carport has leaked in the past, Repair roof if leaking and receive a letter from the roofing company that the roof is repaired. 
2. ) Replace rotten wood on wood deck and facial around wood deck and stain deck and steps. '' The realtor called a contractor but did not mention the leak to him. The evidence of the leak was repaired and the appraiser returned signed off on the appraisal and sent it to underwriter with the following comment. " Receive a letter from the licensed Roofing Company that the roof is repaired and leak should not reoccur. The subject property conforms to V.A. Guidelines. " Regions never the received the letter from a roofer because one was never done. The underwriter approved the loan we closed the loan. Regions feels they have no liability even though the VA specifically says " 36.4344 ( c ) VA minimum property requirements. Lenders are responsible for determining that the property meets VA minimum property requirements. The separate instructions issued by the Secretary will set forth the lenders ability to adjust, remove, or alter the fee appraisers or fee compliance inspectors recommendations concerning VA minimum property requirements. Condominiums, planned-unit developments and leasehold estates must have been determined acceptable by VA. A condominium or planned-unit development which is acceptable to the Department of Housing and Urban Development or the Department of Agriculture may also be acceptable to VA. '' The realtor told me the repairs were done, the evidence of the leak was covered up. The only way I would have know it wasn't fixed was if Regions had done there due diligence. This is a {$50000.00} repair.
Product: Debt collection

I paid the debt the telephone is XXXX and the number for confirmations the paid is XXXX
Product: Checking or savings account

I attempted to send a zelle for {$500.00} from my Citi Bank checking account. The XXXX would not go through because it asked for a debit card pin, this should not have even been possible because I did not have a debit card pin, I had not even received my debit card yet. A week later when my debit card finally arrived I followed the steps, set up my pin, and attempted to send the XXXX payment once more to which I was met with a statement saying that my login privileges would be temporarily revoked for my protection and to call the customer support line for a resolution. 

When on the phone with the customer support line it took about XXXX minutes to speak to an actual human because the automated response system is so limited that the option for account login troubles does not exist and it ignores your request for a support agent. You have to speak words that the system doesn't understand and then it will force itself to send you to a representative. 

I was asked for my full name and security question, the last XXXX digits of my debit card pin or account number which I provided. I was then asked for my phone number and then told that the number I have been using for the last 4 years could not be proven as mine or used for verification. I could however provide them a new number not attached to my account while on the line and verify myself that way ( I don't have another phone number ), following this I was asked if I had a credit card account with them as it could be used for verification. I gave them the last XXXX digits, expiration date, and security code. I was then told that the only way I could verify myself was with a letter in the mail containing a verification code. I knew this would happen because Citi has locked me out of my accounts 6 times in the span of less than 3 months. I informed them that this is not possible as I was moving ( In 3 days ), and have currently moved from the address so I am unable to get the verification code. I am also unable to update my address because I can not login to my accounts so my money is forever locked within the account because I am not allowed access. Instead of attempting to find a resolution I was spoken over by the agent who just repeatedly stated " We will send you a letter in the mail, you have no other choice '' Lastly, the Citi checking and Credit card account uses the same login and app which I can not access meaning that I can not pay my credit card bill. I will be incurring fees and taking a hit to my credit all because of the bank 's system that has stripped me of the ability to access my funds. I am seeking legal action against Citi which is how I came across the CFPB in a forum.
Product: Credit reporting or other personal consumer reports

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

It appears my information is being shared. I am receiving unsolicited marketing material. 
There are incorrect names on my profile. There are incorrect addresses on my profile. There are inquiries from companies I do not recognize on my profile.It looks like various banking institutions have created inquiries on my credit profile. My information was used to create a utility bill in my name. One of the credit bureaus said my email and information was on the dark web. My profile is being misused.
Product: Student loan

According to Cares Act during the period that payments on federal student loans are suspended by the Department of Education any payment suspended is to be reported as if it were a regularly scheduled payment made by the borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to TransUnion challenging the reporting and compliance of an account on my credit report ; to-wit : XXXX/XXXX. Said account is reporting with incorrect/missing information.

On XX/XX/XXXX I received correspondence from TransUnion, dated XX/XX/XXXX, indicating that the results were " verified and updated ''. No documentation was attached to evidence said reporting.

On my credit report of XX/XX/XXXX, the XXXX/XXXX  account is still reporting with incorrect/missing information.

On XX/XX/XXXX, the Federal Trade Commission issued an Advisory Opinion that evidences TransUnion is in direct violation of Section 609 because it is not providing accurate or clear disclosure of all information in my credit file.
Product: Debt collection

The company is trying to sue for the full amount when Ive been paying on the debt. They have not sent me statements about what the current total is either. They simply submitted the summons for the full amount which is not right since I have been paying on it so the balance should be lower than what they submitted to court. Overall The paperwork shouldve never been submitted in the first place. I never received a notification nor a balance due statement.
Product: Credit reporting or other personal consumer reports

The company responded that they never received payments past XX/XX/year>. This is false because the {$20.00} was paid and I closed the account and they kept trying to take money from my bank and ACH account even after I cancelled and closed my subscription. Ava finance tried to fraudulently force me into keeping the subscription by dropping the payments to {$9.00} to continue gaining access to my banking funds two months after I already cancelled. I had reported it to my bank.
Product: Prepaid card

Monies were unavailable for nearly two weeks. In addition, after finally being able to login to my account yesterday, the balances do not make any sense and there is money unaccounted for. There is no pending activity but I should have {$300.00} more than is in the account. I am also missing two direct deposits that occurred during the time. Customer support has not been helpful. I was on hold for hours and also sent a letter. I was told that there was " nothing she could do ''
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # XXXX. 
I directly called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. She also told me that there is NO inquiry from TransUnion or mode of verification from XXXX to TransUnion showing on my third party credit file. And she also stated that XXXX DID NOT verify the verification that TransUnion shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that TransUnion so-called " verification '' on XXXX WAS NOT REPORTED BY THEM BECAUSE MY THIRD PARTY CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I reported a dispute to Credit Systems International regarding an item I do not owe. I never received anything in the mail. They just put it on my bureau and left it there. I am trying to refinance my home. I just spoke with XXXX at Credit Systems International at XXXX. He stated he would delete/remove it from my credit bureau ; however, he refuses to provide with me any documentation stating that he will be removing it from the bureau. XXXX stated it will take 5 to 15 business days to disappear from my credit bureaus. I asked to speak with his Manager and he said they were unavailable. He said XXXX or XXXX would call me back, but we know how that goes. I would like a letter sent to me immediately stating the information has been deleted from my credit bureaus. The account number showing on my account is a medical bill XXXX Acct XXXX. Please use my fax number so that I can receive it asap. My fax number is XXXX. Thank you, XXXX XXXX XXXX last four of social XXXX adress is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Vehicle loan or lease

I received a statement from Truist ( brand name for merger of Suntrust & BB & T ) dated XX/XX/XXXX for an auto loan I had with Suntrust. 

1.Customer Service gave me a phone number that is located in XXXX XXXX XXXX I think the service number I called ( XXXX or XXXXthat was the number in my coupon book ) went to a scammer. 

2.Balance is incorrect. There is a discrepancy of {XXXX}. I only want to owe what I signed up for before the merger. 

The " Previous Statement Balance '' on the first statement I received from Truist does not match the outstanding balance in the loan transaction history listed on the second page of the statement. 
The transaction history indicates the outstanding balance on my car loan to be {XXXX}. This was confirmed per my call to Suntrust automated help line on XX/XX/XXXX at approximately XXXX. The Truist statement indicates a balance of {XXXX} which is incorrect or is due to them charging fees that were never disclosed. 
3. My loan number was changed which does not follow online information regarding the merger.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed HARD INQUIRES on my Consumer Credit Report published by a credit reporting agency are fraudulent, and I have never been associated with giving express written permission to run these listed Hard Inquiries or are they associated with any accounts I own. As per the Fair Credit Reporting and 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction states that these item shall not be reported or listed on any consumer credit report or version thereof. 

I have personally called each credit reporting agencies customer services phone number and also fraud departments, where I was treated like a criminal, and spoken to very rudely including hostile language about these items. The outcome has not changed or removed this fraudulent information. The credit reporting agency also made it very difficult to discuss with the right department, nor have the ability to request deletion on their paid subscription services for my own personal credit report. 

HARD INQUIRES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports I noticed that You, EQUIFAX, are alleging that the following account IS negative and claim to be the ORIGINAL CREDITOR without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove ALL adverse remarks for the following account : Account Name : XXXX XXXX XXXX Open Date : XX/XX/year> BAL : {$3700.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Debt collection

XXXX bill was sent 5 years after accident. I was not at fault ; other driver 's insurance admitted they were responsible and failed to pay the bill on time. Insurance company agreed to pay all additional fees. They asked the collection agency for an invoice showing all fees. Debt collector supposedly tacked on all " late fees/additional fees '' when the insurance asked for bill detail. AFTER insurance company paid the bill they received from the debt collector, the debt collector continued to call me at work and on my cell telling me that the bill was not completely paid. When I presented the check number and date cashed to them, they told me the legal fees were still outstanding. I asked why they did n't include those on the insurance invoice if the insurance company was WILLING and ABLE to pay the additional fees. The case never went before a judge. The debt was paid a month before the set court date. They called my work on a regular basis asking my HR department about my employment. They would call me and not leave messages as I had stopped answering their calls.
Product: Credit reporting or other personal consumer reports

I see items on my credit report that I dont recognize, suggesting my identity may have been stolen, as I did not approve these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report promptly. Their presence is causing me significant stress and does not accurately reflect my credit history or financial behavior. If this issue can not be resolved, I am prepared to take legal action to protect my rights. These inaccuracies on my credit report are a serious obstacle, hindering my ability to achieve important financial goals, such as buying a house and supporting my family. I hope we can resolve this matter quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

BANK OF AMERICA - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reported a fraudulent account that was opened in my name. After XXXX did the investigation, the results that they came up with was that, there was a payment made from a XXXX XXXX account which under my name. 

Im requesting for a re-investigation because I do not have an account with the so called bank. Its either XXXX is not doing their investigation right or coming up with wrong feedback or even making something up. I have sent an identity theft report including a police report to XXXX  and XXXX  is still not removing this account from the credit bureau. After there is no resolution, Im going to sue because your investigation is not accurate and this is typical wrong doings to people of XXXX after I spoke to XXXX  multiple times on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. BMW FIN SVC item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BMW FIN SVC XXXX )
Product: Debt collection

I did not have XXXX and they have put this collection ion my report regarding a collection from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the CFPB Complaint I recently submitted. I sent a letter on XX/XX/XXXX to remove the fraudulent accounts and information, specifically : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These accounts and information are unknown to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit Reporting Agencies , you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. I have provided evidence to support my claim that these items are fraudulent and do not accurately reflect my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM : Neither Wells Fargo nor XXXX XXXX will correctly report my payments to all three credit bureaus.. 

For two years now and to date, I have been working with XXXX XXXX XXXX XXXX to pay off loans with Wells Fargo and XXXX XXXX. Proof attached. XXXX is unable to get them to correct the reporting, so I am coming to you for help so my credit score will improve, and I'll be able to move ahead with my plans to enter real estate investing with an excellent credit score for better interest and approval rates. I've tried on my own to work with all three credit bureaus, no success. Can you help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a investigation with XXXX, XXXX, and XXXX about my account with World Finance account ending in XXXX. As well as XXXX XXXX, XXXX. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.