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

I recently received a copy of my credit report and noticed that the information it contains is inaccurate account numbers, incomplete, incorrect account details, incorrect late payments, or other missing information. 
I have outlined and highlighted inaccuracies and inaccurate and incomplete information. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit.

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer information
Product: Credit reporting or other personal consumer reports

I've applied over the last 3 years for locations to live and loans to help get on my feet after COVID I loss so much. This credit company would not release my credit information which caused the company to see me as a high risk which they required deposits and higher interest if they assist me and others denied me due to this issue.
Product: Credit card or prepaid card

I asked to have this account closed due to very poor customer service. I also asked to have a confirmation letter sent to me to verify that they did close this account. Talked to at least 5 people. They all said they would either fax, mail, or send a letter thru their website messages. I have not gotten any! Also when I log into my account it is still showing that I have {$18000.00} line of credit. If the account is closed wouldn't it say {$0.00} since I do not owe any money? 
I want nothing to do with this company!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My twin Sister Credit pops you up anytime I run my credit for a car or a loan this can probably be confusing but its a problem that need to be addressed and fixed I havent been able to to get a car for something thats completely not my fault I need done asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX 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

RE : Request for Information Verification - SOFI BANK, XXXX Accounts : XXXX XXXX XXXX XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.41, I formally request an investigation into these fraudulent accounts appearing on my credit report. 

Per FCRA 611 [ 15 U.S.C. 1681i ], I demand verification of : XXXX. Date of first delinquency ( DOFD ) XXXX. Date of last payment ( XXXX ) XXXX. Date of charge-off Under FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ], furnishers must report accurate dates of delinquency. The account details : Creditor : SOFI BANK, XXXX Account Number : XXXX Account Type : Unsecured Creditor : SOFI BANK, XXXX Account Number : XXXX Account Type : Credit Card Under FCRA 611 ( a ) ( 1 ), you have 30 days to complete this investigation. Failure to comply may constitute a violation of federal law. 

cc : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX )
Product: Payday loan, title loan, or personal loan

XXXX of 2011 I got a loan through them for some work done on my house and the payments were high and it was set for a long period of time
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion today to remove incorrect information, namely " Inquiries '' from my report, because my consent was not given. I was told they could not remove any inquiries and that I need to get the FTC Report and send it to the bureau with proof of ID. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX Pursuant to federal law title 15 usc 1679c I have the right to have inaccurate information removed.
Product: Credit card or prepaid card

Hello, I was approved for and received the American Express Business Gold Card, which offered me a bonus of 50,000 MR points for 3,000 in spend in the first 3 months, which I was able to meet and fulfill. I received the bonus points and redeemed them for airline miles through a transfer partner. During this time period, I accidentally paid one bill for {$30.00} for my personal American Express card, from an old bank account that was no longer valid. American Express kept trying to pull from this account repeatedly, so I chatted in and let them know to please switch it to my main account that I always pay from, as I made a mistake, or cancel the payment and let me resubmit and the rep told me they could do nothing from the website, despite being made aware of the error, and i would need to call in during a very limited set of hours. I work during the day, and frankly hate speaking on the phone, so I let the system try the max number of times, at which point it finally cancelled the payment without me having to call in, and I immediately paid it from the correct bank account. This however triggered the algorithms in Amex 's system to raise my APR to 29.99 %, which frankly made me quite angry, as I had consistently paid on time. In response, I closed my personal Amex card, and left my business card open. Because I was so upset at Amex 's service at this point, I downgraded the card from the Gold card to the Green card, which automatically made me eligible for a pro-rated refund of a portion of the annual fee as per the terms of service of the card. This apparently really triggered Amex 's system, and they reversed the MR points which had already been granted and redeemed, which pushed me beyond my limits, as to me this was a violation of trust, and an insult to me as a client, and represented what a truly terrible company Amex had grown into. I had the full intention of keeping the green card open, but this changed the terms, so that I would no longer earn points until the 50,000 MR points were paid back, which is not something I agreed to. I followed all of Amex 's rules in obtaining the 50,000 MR points, and thus this change in terms, attempting to minus my points, made me close the Business Green Card, which was my final Amex card. As per the terms and conditions because the card was still downgraded, Amex is legally required to give me the pro-rated refund of the difference between the Gold and the Green card, which should be about {$200.00}, but they have not done that. They have told me time after time, that they will research this, and that it is being investigated, but nothing has gotten done. My account has this had a {$270.00} balance for the past 4 months, which is affecting my credit report, and frankly being a nuisance. Amex needs to complete their investigation, credit back the pro-rated amount of the difference, and let me pay off the balance so that I never have to deal with them again. If this is not resolved via the CFPB, I will be taking Amex to arbitration via the instructions set forth in their terms and conditions page.
Product: Mortgage

This is a follow up to a closed complaint, as the letter from NewRez to the CFPB did not satisfy the issue. I submitted a response to this complaint within the time period required, but the complaint shows as " closed, '' so I have no choice but to re-open this issue with another complaint. For reference, the original complaint number is XXXX. 

Following is my response to the rebuttal sent by NewRez to the CFPB.

In the response letter, they stated that the form submitted was outdated. If that is the case, then they are the ones who are responsible for that as you are required to request the document from them. Therefore, they sent an outdated form. As the consumer, I followed their directions based on the form that they sent to us. Now, they are requesting {$40.00} more, and it was their mistake to begin with. I find this response to be insufficient and definitely not in the interest of the consumer. If your company sends a form with the fee requested, and that form is sent back with the fee requested, they should not be allowed to increase the fee. That was their mistake, not mine. Further, they never once reached out to us to explain this issue, even after I called and they promised a callback. They ignored it and applied the {$150.00} to the principal. Now, they state that they have reversed it from the principal and are holding it and waiting for me to send them their " correct form '' with an additional {$40.00}. I find this inexcusable! They should be required to do the following : XXXX. Run the appropriate XXXX to remove the XXXX  based on the money they have now ( the {$150.00} ). XXXX. Remove the mortgage insurance. XXXX. Apply a principal credit for any mortgage insurance charged 30 days after receipt of the original {$150.00}, which is XX/XX/2024. This is the only resolution that is appropriate for this situation, and I hope that the CFPB agrees. Thank You!
Product: Checking or savings account

On XX/XX/XXXX my mother and myself executed a Minnesota Statutory Short Form of General Power of Attorney in the presence of, and notarized by Wells Fargo Banker XXXX XXXX XXXX. At time, and with both of us present, we requested that all my mother 's accounts be modified to replace my deceased father 's name with my name as co-owner with right of survivorship. We were told the before that could be accomplished my father 's name must be removed from the accounts and that we must provide a certified death certificate before that could be done. On XX/XX/XXXX I was able to obtain a certified copy of the death certificate and hand delivered it to Wells Fargo Banker XXXX XXXX XXXX and an appointment was made to modifiy my mother 's accounts to replace my father 's name with my own. However, when I arrived at the appointment I was told I would only be added as Power of Attorney and not as co-owner with right of suvivorship. This distinction is critical as our family intends to form a family trust with these assets and if my mother passes before this can be accomplished, the estate must be probated and we will be unable to form the trust we intend to establish. I then filed a complaint with the Wells Fargo Enterprise Complaints Management Office. The issue was not resolved as a result of the complaint and Wells Fargo responded that MN statute XXXX was not specific enough to allow Wells Fargo to modify my mother 's accounts as requested unless my mother executed yet another notarized statement to allow modification to co-owner with right of suvivorship. 
On XX/XX/XXXX, and in response to questions regarding my mother 's condition I executed an Affidavit of Attorney-in Fact as Conclusive Proof of Nontermination and Nonrevocation as allowed by Minnesota Statute to absolve Wells Fargo of any liability for my actions as Attorney-in Fact as allowed under Minnesota Statute. Again, my request to modify was denied and on I filed a complaint with the Minnesota Attorney General 's office as Case number XXXX. This time Wells Fargo responded that their legal department had reviewed my documents and f '' aound them acceptable, however, " as an alternative we will request you to obtain and attorney opinion letter that confirms that according to the attorney 's understanding of Minnesota law, the POA document presented does contain relevent authority in order to add the Attorney-in Fact on the accounts as joint owner with rights of survivorship. It is rediculous and unethical for me to hire an attorney to give Wells Fargo legal advise as well as entirely unreasonable for me to have to pay legal fees to accomplish and account modifiation. I have had no problems modifying savings and safety deposit box accounts at another bank. Wells Fargo is not complying with Minnesota Statute and continues to deny me the ability to properly manage my mother 's estate.
Product: Student loan

I haven't tried to fix this with Navient because if you try to talk to them, they just bully. I recently consolidated my loans with a different servicer ( after having so many problems with both Navient and a different servicer ). ALL money owed was supposed to be disclosed to my new servicer so that I could have everything consolidated. Navient didn't do this. They waited till just after the consolidation was complete then claimed I owed them more money. I do believe what they did is illegal ( I'm not XXXX percent sure ). They even had made an adjustment, with them, for how much was owed. Obviously they didn't disclose everything. I want this money they are claiming I owe to either be worked out with my new servicer so that I may pay them ( and not Navient ) or the money forgiven since it wasn't important enough to be included with my original student loan balance ( XXXX  dollars out of over XXXX  thousand ). Navient is doing anything to collect on money at this point including breaking laws. This is the XXXX  complaint I've had to submit this year for Navient.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

AMEX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a foreclosure remaining on my credit report that has expired many months past the last payment date and actual conclusion of the non-judicial foreclosure date. ( XXXX XXXX  XXXX XXXX XXXX ). The date of the last payment was XX/XX/2016, and the non-judicial foreclosure occurred XX/XX/2016. Please remove from my credit report as the XXXX year reporting period has expired.
Product: Debt collection

I had maid several attend to reach the the company as well as the bureau to remove this alleged, incorrect, non authorized and inaccurate account out my credit report. 
They bureau refused to do so. 
As a result of that my score drop, and I am at risk of being denied a Morgage. 
I will appreciate your prompt assistance on resolving this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Unauthorized/unverified accounts on my report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I got a personal loan from Lending USA, as I'm on full social security XXXX, trying to make ends meet. This so called " bank '' pulled a predatory lending practice and scheme on me that imposes unfair and abusive loan terms, a jaw dropping interest rate at the tune of nearly 21 %, stripping me of any money I have to live on. This bank 's deception to get me to take out a loan I couldn't afford when they approved me and can't afford now with the high living costs is a pure predatory lending scheme they baited me into. 

I made attempts with this bank, by phone, to lower my interest rate or allow me to skip a month or XXXX ( putting loan missed on back end ) but they instill fear in me by telling me that a ) they won't lower the interest rate to allow me to survive and make ends meet and b ) they allow any extensions and c ) if I don't make payments as promised they will destroy my credit by contacting the credit bureaus as a fear tactic to force me to pay their 21 % interest that they knew in advance I couldn't pay for BEFORE granting me the loan.
Product: Debt collection

Credence Resource Management is attempting to collect {$320.00} for XXXX XXXX, which is an invalid debt. 

XXXX XXXX continued charging me for a canceled phone line ( confirmed canceled on XX/XX/XXXX ) that was not in use and had been ported to another carrier. 

I provided Credence Resource Management with proof of payment and cancellation, yet the dispute was denied, and they continue to report the debt as valid until XX/XX/XXXX.
Product: Debt collection

1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question.

5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Product: Credit card or prepaid card

I am writing now in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a crucial part in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.