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

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Inaccurate Late Payment Remarks : Company Name : XXXX  - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX XXXX Name : XXXX XXXX  - Account # : XXXX
Product: Credit card

On XX/XX/year> I went to use my Chase XXXX  card. The machine said card invalid. I went to use it on the computer, again invalid. 
I called Chase today XX/XX/year>. They had XXXX on the phone for XXXX hour saying it was XXXX who shut the card down. It wasn't. After much arguing I finally got a supervisor that had the card " reconfirmed ''. No one will tell me what that means or why. 
Why was I told that it was XXXX? why was the crad shut down even tho my account is in. very good standing. 

The card is working again but their customer service lies.
Product: Credit reporting

I have disputed many things in collections on Equifax and they all come back " verified '' - some of the things, the original creditor information has already been deleted and removed from all XXXX due to SOL or unable to verify the account info. I have disputed the same things with XXXX XXXX AND XXXX, and they have all come back DELETED XXXX XXXX XXXX XXXX and an XXXX XXXX accounts have all been removed from the other XXXX, I even called XXXX myself and they can not locate any of my records, if I ca n't get them, how are they verifying ... this stuff needs to be removed NOW if they can not verify. XXXX of the XXXX accounts ( Salute / Tribute ) by FTC ruling they are not allowed to collect on these charged off accounts, but yet they remain - This is beginning to be bs ... the other XXXX removed them no problem. Even on XXXX the XXXX account is PAID and CLOSED as of XXXX 2010
Product: Mortgage

On XX/XX/year> an appraisal was ordered in order to secure the loan on our home we were about to purchase. The appraisal was valued at {$380000.00}. We closed on the home XX/XX/year> for the purchase price of {$360000.00}. At the time of closing the Loan amount was {$340000.00}. 

On XX/XX/year> a large payment was made towards the principal for a loan modification ( recast ) in the amount of {$75000.00}. A payment in XXXX was made, making the new loan balance {$260000.00}. Dovenmuehle Mortage then sent us a letter dated XX/XX/year> stating that although we had met the 80 % LTV ( loan to value ratio ) they would not be able to remove the PMI requirement because they had conducted a new valuation of our property that suggested the value of our home had fallen below the original purchase price. 

This letter did NOT include any details regarding the findings or details of their valuation on our home. After calling both the customer service department and the Escrow department for Dovenmuehle I was informed that they were " unable to provide me with any details regarding the valuation ''. They continued to state that if I felt this was a clerical error I could purchase an additional assessment to be conducted for {$190.00} or pay them an additional {$4600.00} in order to lower my principal enough to bring my LTV to 80 %. They do have a copy of the original appraisal that was conducted on file dated XX/XX/year>. 

I contacted the bank ( XXXX  ) that our loan originated from to see if they could help in any way or request more details regarding the issue. They were given a completion date of XX/XX/year> and there is still no information provided from Dovenmuehle on exactly what they valued our property at, or even the details regarding the valuation. 

As it currently stands at the time of this complaint, we have a 73.24 % LTV ratio, yet Dovenmuehle states that is not enough to remove the PMI. Although they have not given me an exact number regarding their valuation on our home, my calculations show that their number places my new home value at approximately {$330000.00}. I am dumbfounded that in XXXX  days the value of my home somehow declined {$52000.00} in value " according to their valuation ''. 

If I am required to provide a detailed appraisal of the home before securing my home loan, and that is sufficient enough to proceed with closing, how is Dovenmuehle allowed to " conduct their own assessment '' of my property without providing any details to me or the bank regarding a {$52000.00} discrepancy? Additionally, requesting more money from the consumer after already having met the requirements and having the information needed to proceed on file, this entire situation feels fraudulent.
Product: Debt collection

LVNV funding has been illegally trying to collect from me in a state in which they are not registered. They have also given my personal private information to two other agencies trying to collect for the same alleged debt. XXXX XXXX XXXX as well as XXXX XXXX. LVNV as the other two agencies are trying to collect in the amount of {$620.00} which is incorrect. They are not licensed in the state of Ohio. The two companies listed also have not sent proper notices instead they demand conststly that i pay and also states once i make my payments in full they will ONLY remove and apply it to LVNV but not the original creditor which is XXXX XXXX XXXX
Product: Debt collection

I disputed a account with Kansas Counselors of K collection first on a recorded line and I also requested for validation of the debt to be sent over to me. A few months went on still nothing. Then when I spoke with Kansas Counselors debt collector XXXX she gave me so much inaccurate information regarding the file they alleged I owe for a hospital in the amount of {$510.00} they stated that they never did send out the validation, they sent it out a validation but it was for a different account. The debt collector XXXX kept stating to me she never seen anything about a dispute and that still have a balance and they ca n't remove it when though I told her I was working the day the collection agency is stating that I was seen at the hospital. She never tried to help me find other options as to going about and getting this resolved. I feel that they agency is doing is not collecting under the Fair Debt Collections Practices Act and it is unfair for consumers like myself. Please help me in regards to this matter. 
Thank you for your concern of this situation.
Product: Credit reporting or other personal consumer reports

I file an identity report, the company was in receipt of the paper work was XX/XX/XXXX the company only deleted half accounts and inquiries per my request The following accounts still remains on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently became aware that unauthorized fraudulent addresses, names, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted Navient about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX Navient reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted Navient and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.
Product: Credit card or prepaid card

I booked a flight for my mother in law and father in law in XXXX of XXXX. These flights were booked for a departure in the end of XX/XX/XXXX. The tickets were paid through Chase XXXX XXXX with no points at all, just full cash. The airlines, XXXX XXXX, changed the timing of the flight which was a problem and prompted me to cancel. The flights were canceled in XX/XX/XXXX. The airlines approved the cancelation minus a {$50.00} non-refundable tax fee. I was fine with this. It has now been four months and I have not received the refund of {$2700.00}. Every time I call Chase XXXXXXXX XXXX  I am told that XXXX has not released the funds. I've been on hold for hours each time. Once I was told that it will be refunded in 48 hours. It has been two weeks and I have still not received the refund. I called today and was back to being told that XXXX has not released the funds. I asked what was being done to press them to refund and was told that Chase is just waiting. They have not been emailing or calling XXXX at all. Four months is a long time to wait for a refund of this large amount and I have no idea when it will ever come if no one acts on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wallet was Stolen and I had All My information social security Card '' debit cards for WELLS FARGO And MY CREDIT CARD AND I TOLD WELLS FARGO AND THEY HAVE BEEN BLAMING ME AND DIDN'T NOT REIMBURSE ME OR MY MONEY AN BY WELLS FARGO NOT TAKING CARE OF THIS SITUATION MY CREDIT SCORE WENT SERIOUSLY DOWN AN I WAS AT A XXXX CREDIT SCORE ''!! THAT HAS NOW PUT ME DOWN TO A XXXX SCORE "!! 
WELLS FARGO IS NOT A GOOD RELIABLE BANK .I HAVE BEEN WITH WELLS FARGO SINCE 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a settlement claim with Equifax on XX/XX/2020. I have not gotten my claim and it has been under review for over 6 months. I have contacted the administrator directly 9 times to no avail.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts
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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 crime which antedates the report more than 7 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 card

To Whom It XXXX Concern, I am writing to dispute a charge on my Barclays credit card for a rental car from Enterprise. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. 
I called XXXX the day the car displayed brakes needed to be checked and to stop driving. The manager said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. 
I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of Barclays for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue. 
Thank you for your time and attention to this matter.
Product: Student loan

A forbearance was process on my Private student loans serviced by Navient Inc for the XXXX 2015 to XXXX 2015 time period. Navient reported my student loans as 90 days past due as of XXXX 2015. I contacted the Executive Offices at Navient to update this reporting error and they refused. I 've attached a copy of the e-mail correspondence from the Navient representative which clearly states that a forbearance was processed on my account and therefore there is no way possible I could be 90 days past due in XXXX 2015. 
According to a recent FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of 2015 that any subsequently initiated deferments and or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Checking or savings account

Approximately six months ago I opened a safety deposit box with the BOA XXXX  location in XXXX XXXX California. ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). 
Ever since opening that deposit box, I have had trouble getting access to my box. Either the bank closes because they don't have staff or the bank uses Covid as an excuse to close the branch. 
On Saturday I went to the bank to obtain my passport from my box so I can travel out of the country. 
Again the bank was closed. There were no signs posted up. There was no email sent to client 's of that branch. Nothing was done. They just closed. As a result I was unable to obtain my passport and therefore had to cancel my trip. 
I went to a different location and I asked them to call someone to come and open the bank because I need my passport to catch my flight. However, they did not help me out. 
I asked them to refund me my money since I paid for the box and I don't have access to my box. Assistant manager XXXX refused to refund my money. This is unacceptable. They charge you a fee upfront for the safety deposit box and they do not give access to the box. They said that they didn't have enough staff so they closed down the bank. No one gave any type of notice. They did not even bother putting up a sign at the door. 
At this time I have been charged for a service that I am not receiving. Therefore, I am making this complaint. Lastly, I had to postpone my trip causing me financial hardship as a result of BOA 's closing of the branch.
Product: Credit card or prepaid card

I have a GM Credit Card through Capital One. I gave a hotel in XXXX, IL my card for " incidentals '' and was charged for a bottle of water in my room for {$4.00}. I did authorize this transaction. I was charged an additional, separate charge of {$210.00} in which I did not authorize. I previously booked my hotel stay online with another credit card and I paid that in full before my stay. I contacted Capital One/GM Cards the day the transaction posted to my account, as I got a notification that it was posting. It has since been over 3 weeks since I notified them, both by clicking " dispute item '' on their website, and also by writing their customer care center to indicate the exact information I 'm sharing with you. I have not yet heard from them and I still have the charge on my account. I work for a financial institution in the Financial Crimes Department. I am completely familiar with Reg E and the requirements for providing provisional credit within 10 days. They are not in compliance with this regulation and they have not communicated anything with me in over 3 weeks. This is completely unacceptable and they should have to answer for this.