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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020, Pennsylvania ordered an eviction and foreclosure moratorium. Per the order, any XXXX XXXX notice sent after XX/XX/2020 would be considered as sent on XX/XX/2020 after the order expired on XX/XX/2020. For reference, please visit : https : XXXX % XXXX % XXXX % XXXX Borrowers were sent an XXXX XXXX notice on XX/XX/2020. Therefore, that notice should have been deemed to be sent on XX/XX/2020 and borrowers should have had XXXX  days to consult with an approved XXXX Credit Counseling service. Instead, however XXXX filed a XXXX XXXX XXXX XXXX. 2020 XXXX XXXX XXXX on XX/XX/2020. That premature and unlawful foreclosure action caused the following : - Borrowers were negotiating their Loan Modification after the Foreclosure was filed, and were already in a position of severe disadvantage in negotiating a fair modification because the date for Borrowers to answer the Foreclosure complaint was quickly approaching and Borrowers did not want the legal proceedings to continue. 
- Borrowers were left with little choice but to agree with the XXXX viable option presented to them for Modification which included a payment that was nearly {$1000.00} more than their original payments had been. 
- Borrowers were assessed a significant amount of fees related to the Foreclosure action which should never have been assessed because of the premature and unlawful Foreclosure filing.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a hard inquiry was placed on my Experian and TransUnion credit reports by XXXX XXXX. I did not authorize or request any credit transaction, application, or service with this institution at the time of the inquiry. There was no prior communication from XXXX XXXX regarding this inquiry, and I did not take any action to initiate it. I am requesting that this hard inquiry be thoroughly investigated and removed from both my Experian and TransUnion credit reports as it was made without my consent.
Product: Credit card

I went to XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX ( phone : ( XXXX ) XXXX ) on XX/XX/XXXXXX/XX/XXXX with an initial pretip charge of {$45.00} on my CITI bank credit card. The final charge from the merchant on my card was {$500.00}, which is greater than any reasonable tip. 

I tried contacting the merchant, XXXX XXXX XXXX, via phone call, email, XXXX, and XXXX for resolution or a copy of the receipt for the purchase. I did not receive a response from them through any form of communication. 

Following that I disputed the charge with CITI bank online and through certified mail. The company decided that I was responsible for the charge since I can not get a receipt despite my communication about the noncooperation of the original merchant to provide a receipt. The bank did not contact the merchant themselves for more information.
Product: Mortgage

My 15 year mortgage originated in XX/XX/XXXX with XXXX XXXX. In XXXX, XXXX, I inquired with XXXX what needed to be done to remove PMI. On XX/XX/XXXX XXXX mailed me a letter ( attached as pdf " PMI Waiver Request '' ) that I needed to reduce the balance by {$34000.00} and that I could send them cashiers check if I chose to do that principal reduction. I subsequently mailed them the cashiers check for that same amount dated XX/XX/XXXX ( attached as pdf " CASHIER 'S CHECK '' ). Then I received a letter from XXXX dated XX/XX/XXXX ( attached as pdf " PMI Waiver Approval '' ) telling me that I met the requirements to have PMI waived on the loan. I have not had PMI since XXXX of XXXX. 

Recently, Nationstar Mortgage XXXX. d/b/a " Mr. Cooper '' has acquired the loan and is trying to charge me PMI. I telephonically contacted XXXX XXXX in Mr. Cooper 's PMI department on XX/XX/XXXX and supplied them the documentation mentioned above and they said that they will look into it. I received a letter dated XX/XX/XXXX ( attached as pdf " PMI Denial Letter from Mr. Cooper '' ) that stated my request was " ... denied for another reason '' and that I needed to contact their customer service for more information. I called and spoke to XXXX but she was unable to articulate the reason for the denial. 

It is important to note that the changes in PMI requirements did not affect 15 year FHA loans originating prior to XXXX. ( See attachment pdf " XXXX XXXX XXXX ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX account has been closed over 10 years. I spoke with Transunion and they advised me that this account was closed in 2018. This is inaccurate information that is being reported on my credit report. Transunion refused to do a full investigation and obtain proof from the creditor and verify if the information is correct. I was told by a Transunion representative that they do not verify inaccurate information they just report it. Closed accounts over 10 years are supposed to be removed from the credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX XXXX XXXX XXXX - Account number : XXXXXXXX XXXX XXXX  XXXX - Account number : 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 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency make 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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but Trans Union & XXXX has not been corrected. According to the Credit Union they do not report to Trans Union & XXXX, however the 2 accounts show as delinquent with both reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am starting this dispute based on my experience with Lexington Law. I had started a monthly subscription with them back in XX/XX/XXXX to repair my credit. Around XX/XX/XXXX is when I officially ended my membership with them due to not seeing much results and felt they were dragging me on. The monthly payment started at {$60.00} and after a year or so it changed to {$30.00} because after trying to cancel it the first time they lowered my monthly to keep me in. Wanting help fixing my credit I opted to stay and pay the lower payment. They would send me notifications or letters claiming they initiated action against some of the companies to remove inquires but never any results. I received these notifications/letters multiple times through the process, nothing ever changing. Eventually I felt I was just throwing money away and canceled everything with them. Upon looking for professional credit help I found out Lexington Law was being accused of sending false information which leads me to this dispute.
Product: Debt collection

I lost my wallet on the train and someone found it and stole my identity. I didn't know about the incident for a few months. I didn't really find out what was going on until I started receiving phone calls from XXXX XXXX  's collection agency. I spoke to the collection agency and told them I had no knowledge of the debt and went to the police dept. and filed a report. I also notified the credit bureaus and disputed the items and attached police reports. The credit bureaus placed fraud alerts but did nothing about the accounts that were opened up in my name. I called XXXX XXXX fraud dept today, spoke to a woman named XXXX and asked if they recived the police report about the fraudulent XXXX XXXX acct. that was opened in my name. The woman proceeded to tell me that XXXX XXXX  fraud investigation decided that the acct. wasn't fraudulent because I took too long to report it. She also stated that a police report means nothing because anyone could file a police report and it could be bogus. She stated that I was on the hook for the charges because they didn't believe it was fraud. The amount owed on the fraudulent acct. is around {$300.00}. The credit bureaus continue to report the charged off account and my credit score is trashed because of this.
Product: Debt collection

I attempted to contact RVO and was informed that I could not speak to the representative at the extension that I called. I tried to contact the company to request a full ledger of the account, release from income tax statement as well as a judgment paid in full statement. As of date, I have received no response from the law firm. This debt has been paid in full and in its entirety. My attempts to communicate with this law firm go unnoticed or simply ignored.
Product: Credit reporting or other personal consumer reports

I had an account that was closed with skopos financial years ago ( XX/XX/year> ) but for some reason it keeps popping up as if Ive been paying on it for the last 4 years & recently going into to repo when I havent had the car since XXXX of 2020. The account should be listed as charged of since then. But instead its acting as a zombie debt
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}.
Product: Student loan

Dear AES, I am submitting this complaint, as the initial one was not correctly read, nor was it properly remedied. 

I have attached the updated complaint in a word doc, for better viewing. 

My apologies ; as unfortunately, I may have provided too much information initially, making it difficult for you to see the big picture, of AES 's cause of the primary problem : for which I seek a fair resolution. 

Clearly, the information provided earlier was too lengthy - I only went by the written tracking I have, and I have recorded all conversations since XX/XX/XXXX. 

As a 'Customer, the events that led up to the current situation are unfair, unreasonable, and of no fault of my own ( if they were my fault, I would have simply let it go and taken responsibility by now ). 

Thank you in advance for your understanding. 

Warm regards, XXXXXXXXX
Product: Money transfer, virtual currency, or money service

I attempted to buy an item from a cash app account holder that was selling items on a platform I paid for the item {$250.00} and the person stopped replying to me and others I reported it to cash app and they said there was nothing they could do about it I clearly wrote what the money transfer was for as well as it still needed to be sent but it was a scam
Product: Mortgage

On XX/XX/XXXX I sent my payment through XXXX, and it had posted to the incorrect account number. The customer service rep on XX/XX/XXXX asked me to send a copy of the XXXX, payment. I did that on that evening. They also said that someone would give me a call, or I could call back. I have been calling back every few days, waiting for this to be corrected, however, nothing has been done as of yet. I kept reminding everyone that we have a sell date of XXXX, and they kept saying that it is with upper management. Now here it is 2 days before my sell date, and nothing has been done. This company does nothing but lie to the customer.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX placed two charges on my mastercard account totaling {$15000.00}. I notified Bank of America that I had never done business with that company and the charges were fraudulent. They removed the charges pending investigation. Approximately two weeks later, I received a letter from Bank of America advising that they believed the charges to be valid and I would have to pay them. I contacted XXXX XXXX XXXX XXXX. They are in Maryland and are not licensed to do business in Virginia. They advised that they do billing for XXXX XXXX, the company that I had contracted to repair my deck. They were told the deck was finished and they could put it on my credit card. My agreement with the XXXX XXXX Employee was that I would provide a check at each point of completion. They never had permission to place these charges on my credit card. The deck was to be installed XX/XX/XXXX. Some work was done in Spring, XX/XX/XXXX, but it wasn't done correctly. They were paid over {$8000.00} to order materials and begin the first phase, and are not owed any additional funds yet. This has lowered my credit score and has caused financial problems. The first workers came in my house and my copy of the contract was taken. They refuse to provide me with a copy.
Product: Debt collection

I have been getting calls from Conn 's starting at XXXX XXXX  since Monday. They call both my home and my cell 6 times or more before noon. They have sent multiple emails, texts and continue to call. My payment was due Sunday. I'm only 1/2 a payment behind. I have a grace period. It's against the law to harass customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit burea seeking maximum damages.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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 am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However Equifax, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. Equifax and XXXX   continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.
Product: Credit reporting or other personal consumer reports

I called all XXXX  credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/1980. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.
Product: Credit reporting or other personal consumer reports

REQUESTED THREE TIMES YO THE CREDIT BUREAUS TO REMOVE UNAUTHORIZED INQUIRIES TO THE CREDIT BUREAUS I HAVE LISTED BELOW ALL UNAUTHORIZED INQUIRIES Creditor Name Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.
Product: Credit reporting or other personal consumer reports

When purchasing a vehicle from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, they had me sign paperwork with the incorrect VIN. Roughly 30 days later, the AZ Department of Transportation contacted me because the VIN number on my insurance card did not match the VIN that the dealership submitted. My insurance card had the correct VIN. I had to come back to the dealership & sign new paperwork that had the correct VIN. In the meantime, I made several payments. I was assured that the " rebooking '' department would transfer those payments over to the new account. I began getting calls from Kia Finance collections department. I called them on XX/XX/XXXX and was assured that my credit would not be affected by their error. I then received a letter from Kia Finance 's collections department that included a late fee. Meanwhile, I've made three payments to Kia Finance. I contacted the dealership TWICE after that, and again - was assured that my credit would not be affected. on XX/XX/XXXX, I received notification from the credit reporting agency that I am now showing delinquent. When I contacted Kia Finance, they would not assist me. They stated that I had to file a dispute. I did not make the mistake- they did- and they have done nothing to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-union reinstated inaccurate information after its was corrected and deleted from XXXX credit report. 

On XX/XX/2017 an inaccurate information was deleted from my credit report. XXXX XXXX XXXX was the original creditor. The amount that was deleted was for {$210.00} On XX/XX/2017 Trans-union reinstated the same information, thereby dropping my score significantly. 

As a result, I am unable to move forward with obtaining financing and have suffered a financial lose because of it.