23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on XXXX and XXXX date of last payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to XXXX and XXXX. 

XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the 3 credit bureaus Experian, XXXX, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, Experian and XXXX  removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Product: Mortgage

We have a VA backed mortgage with United Wholesale Mortgage aka UWM. We are moving and want to offer other XXXX a chance to assume our mortgage at a very favorable rate. However, UWM has been dragging their feet for more than three weeks now and already cost us one buyer. Every time we contact the company, we get a nonsensical answer ( e.g., they want to process this like a succession ) or they keep saying that the mortgage assumption package will be coming ( in XXXX, XXXX, XXXX hours, two more business days, the process normally takes 60 days, etc ). We are losing time and money from this mortgage company and their bogus delays. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all XXXX credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has XXXXfraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.
Product: Student loan

I have had interest capitalized that I do not think I should have owed being on the REPAYE plan. I think this was mishandled and no one over the phone has been able to accurately explain why I had over XXXX capitalized since 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment loan account opened at US DEPT ED on XX/XX/XXXX under the account number ( XXXX ). I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2019, I received a call from XXXX on my cell phone. There was a " robo-call '' message on my voice mail stating that the call was looking for XXXX XXXX, who is my brother. I did not retrieve the message until XX/XX/19. I called the number back on XX/XX/19 for the sole purpose of telling them that I have nothing to do with any debt for XXXX XXXX, and to remove my phone number from their system, and to not make any further calls to me. The first call was placed at XXXX eastern, and was answered by a gentleman who did not, and would not provide his name, nor would he provide the name of the company he was calling from. When he answered my call, he requested my name, and I told him I would not provide my name, that he was looking for someone for whom I have no responsibility for his debt. He asked me to tell him how to get in contact with XXXX XXXX, and I told him that was not my problem. He responded by telling me that they would keep calling until I responded. I again asked for his name and the name of his company, which again, he would not provide. The entire conversation, he was talking over me, so I don't know that he heard anything I had to say, since he wasn't listening. Finally he said " have a blessed day '' twice and hung up on me.

I called for the second time at XXXX XXXX on XX/XX/19, this time I reached a woman I don't recall her giving me her name, but she did tell me the name of the company wad XXXX. I asked her what XXXX  stands for, and she would not tell me, and hung up on me.

I called for the third time at XXXX  on XX/XX/19, and immediately asked for a supervisor. I was transferred to a gentleman who told me his name is XXXX XXXX. He confirmed the name of the company is actually DRS, and that it stood for Direct Recovery Services. I advised him that this was my third call to the company, and that I am calling to advise that I have nothing to do with XXXX 's debt, and I wanted my phone number removed from their system, and I did not want any further phone calls from their company. He assured me that the number was already removed. I went through the entire thing again, asking him to confirm that my number was removed. He confirmed that it was.

Unfortunately, I have had similar issues with accounts that belong to my brother from other agencies, and it takes multiple contacts to actually get my phone number removed. I am filing this complaint because of their inappropriate tactics, they need to respond appropriately when they are called, not talk over callers and refuse to give their names and the name of their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, AZ XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXXXXXX XXXX  ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( II ) promptly notify the furniture of that information that the information has been deleted from the file of the consumer
Product: Debt collection

Last XXXX I called and closed my account with XXXX XXXX ( XXXX XXXX XXXX ) to which they complied. However I had a balance of {$400.00} on the credit card. This company decided to contact a third party collection agency and " assigned '' the debt to them but I never signed off on that which makes their collection practices illegal pursuant to the Fair Debt Collection Practices Act. Additionally, the Credit Card Act of 2009 ( which is part of the Truth in Lending Act ), to be specific 15 U.S. Code 1637i ( 4 ) any closure of an account does NOT constitute default and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor. Additionally, XXXX XXXX is supposed to enter into an amortization period of no more than 5 years. I demand that they correct this issue immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made an installment payment to XXXX XXXX for a new HVAC system at our home using my Capital One credit card. Today, XX/XX/XXXX, I checked my card and saw that I had been assessed a " cash advance fee ''. I spoke with an agent who told me I needed to call the other company ; have a representative 3-way on a call with Capital One and confirm that's what happened, and then, he would refund the fee. 

When I called back to do that, I spoke to a 2nd agent who told me the fee could not be refunded although I had done everything the previous agent asked including have a representative from XXXX XXXX on the line. I requested my concerns be referred to a supervisor. I explained everything to her. I was put on hold and when she came back, she said she agreed with me and would support me, but she could not remove the fee although she knew it was not a cash advance. 

I asked what did I have to pay to stop the daily accruing interest. She advised the minimum due plus the amount of the charge plus the fee. She also advised even after paying those fees, I would still be charged an additional day of accruing interest and would see it on my next statement. That's when she offered that she was noting a lot of details on my account in case it would be needed. 

For the record, Capitol One charges 28.99 % interest on cash advances ... significantly more than the interest charged for purchases. That is why I had to pay the minimum charge plus the total amount of the charge to XXXX XXXX as well as the associated cash advance fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Complaint, I am Depressed Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as being OPEN and having a PAST-DUE BALANCE of {$3200.00} creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$380.00} which I do not recall having that account. This is a violation of the FCRA and is in violation of requisite METRO2compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 
The following hard inquiries have never been requested by me XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account and paid it off with Republic Finance years ago and they have not removed the collection from my account. Now Republic Finance is reporting that I have a collection account with XXXX  when I do not have a collection account. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed this from my credit report.
Product: Money transfer, virtual currency, or money service

I called XXXX, First Data, multiple times over the last six months, requesting my account to be closed. 

Every single time I was told that I had a legacy account and that I needed to leave a message so I could be contacted. I did as requested, but I was never contacted. 

Instead, XXXX kept taking out the monthly service fees from my account while stringing me along on promises of getting a call back from them. 

On XX/XX/2019 they withdrew {$220.00} from my account, citing an annual renewal fee. When I called them, I reiterated that for months I have been requesting the account to be closed to no avail. Immediately, the agent sent me the cancelation paperwork. 

For months, I have requested a cancelation and for months XXXX intentionally kept the necessary paperwork from me, lied about legacy account statuses and never called me back in order to keep the account open long enough to charge the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i have disputed. please resolve this issue immediately
Product: Credit card

Through billpay, the Bank of American Signature Visa paid my credit card instead of my husband 's as directed on the billpay. After talking with the visa company, they said 1-2 business days to get it fixed. On the XXXX business day, I called and was informed it was actually 2-5 business days. Then, on the XXXX business day, I call and it 's actually 10-14 business days. They have recordings and notes in the system that confirm that I was lied to and they STILL are not going to do anything about it today. My husband has been unable to make any purchses with his credit card as it 's showing a late payment. It 's effecting out credit and nobody is willing to accept any responsibility for the lies.
Product: Checking or savings account

Several months ago, I finally switched my Capital One savings account to a 360 Performance Savings account, as they had NOT told me of the availability of such a type of account, thus shorting me no telling how much interest over the past several years of being a Capital One customer. At no time did anyone ever tell me of the higher interest account 's existence- and that my savings account could transfer over to a 360 account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX and this is not an unauthorized third party!! XXXX furnished false and misleading collection accounts on my consumer report. I first noticed them on XX/XX/2021, I immediately called the collection account companies to dispute the accounts by asking why they were reporting to my consumer report. The agent from the collection company gave me the name of owner of the account with the last 4 digits of the social security number. The account belonged to my father XXXX XXXX XXXX who has been deceased for 2 years. I gave them my social security number and they said that they never reported any information to XXXX  and i needed to dispute the account with them. I disputed the account with XXXX and they deleted the fraud account immediately because they had irresponsibly placed it there at my expense! I am a federally protected consumer and I have been violated pursuant 15 United States Code 1681e ( b ) and 15 United States Code 1681b ( 2 ). According to 15 United States Code 1681n civilly liable for damages to the consumer. Because of this false and misleading reporting, I sustained injury by being turned down for credit approvals and I paid higher interest rates on all consumer credit transaction post collections reporting by consumer reporting agency. I will begin litigation if i'm not compensated for my injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
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 TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : USDOE/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I XXXX XXXXXXXX XXXX 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

Update to previous complaint mailed XXXX XXXX. My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view my attachments as they will explain my complaint and verify my identity.
Product: Money transfer, virtual currency, or money service

Crypto.com claimed my etransfer but then decided they cant add it to my wallet they then said they will return my money which is over XXXX XXXX But they never did. They still owe me my own money for over 2 months now many different people wrote that the commpany will send me my money. They never do. Its been over 2 months!!!!! 
I can never talk to anybody by phone they refuse to its only by email
Product: Credit reporting or other personal consumer reports

ASURIANT HAS A AT FAULT ACCIDENT ON MY REPORT AND I'M UNAWARE OF ANY OF THIS INFORMATION.
Product: Bank account or service

The bank received a levy release on XXXX and they have not credited my account yet.