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

I filed a dispute in regards to the unauthorized inquiries on my credit report. It has been well over 30 days and the investigation has not been completed. 

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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 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 if 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

XXXX XXXX XXXX XXXX ( write-off, XXXX  XXXX XXXX XXXXXXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that e-oscar verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally finical inc did a report that I did not authorize and they did two reports at the same day.
Product: Checking or savings account

On XX/XX/2019 I was trying to take my rent money of XXXX  $ I got 4 receipts stating that it was fraud and I wouldnt be able to get the money I called boa fraud number and they said they were pending charges the charge went thru for 1 and the charge was made and I never got my money Ive called boa they havent wanted to do anything to help me I submitted a report with the XXXX XXXX XXXX and the XXXX said Bank of America was goin to call me and tell me whats goin on with my claim bank of America hasnt tried contacting me to the day I tried calling them and the representatives say they have no idea what Im talking about I been a valued member for 15 years and they dont care for me or helpin me with this problem all I want is my money back and close this bank account they are thiefs
Product: Debt collection

I sent an email to Jefferson Capital yesterday, when I found out that the XXXX  Dispute stated that the account has been found as verified and accurate, however, information not related was updated. 
I have been disputing this from when it was XXXX, merged to T-Mobile and then into your collections. This account was opened by using my information. This account should be for someone else, this has been going on since XXXX. I have supplied the information numerous times but nothing is being done about it. This person has used my information to open up a few credit card accounts. 

Why is your company not helping me go after this person? I have disputed this numerous times. XXXX has removed this from my credit report but XXXX and XXXX have not. 

It's not fair that I was told I had to pay the {$2200.00} in order to get a loan when cosigning for a home. I am not denying the fact that my information was used. They were good, one of my emails were used to open the account, once I found out all the information, I tried to log in and close the account but the email was changed. I have given the name and email that I found but still I can't get it removed.

Any help would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted this company regarding errors on my credit profile, and on XX/XX/2022 it was resolved. Then the very next day XX/XX/XXXX is was added back to my credit profile. 

Pursuant to 15 USC 1681i B ( ii ) ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom It May Concern : I am in receipt of your letter stating that the XXXX XXXX XXXX XXXX XXXX was updated and verify and the dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed below. 

Thank you. 

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

I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.
Product: Credit reporting or other personal consumer reports

Thank you for addressing the errors previously identified in my credit report. However, I am not completely satisfied that you have adhered fully to the requirements of the Fair Credit Reporting Act during your review. It appears that certain accounts still require appropriate action to ensure the highest level of accuracy on my credit file. Consequently, I request a re-investigation of the items listed below : XXXX XXXX XXXX Balance : {$1100.00} & XXXX XXXX  XXXX Balance : {$35000.00}. Should your re-investigation fail to verify the accuracy of the disputed account information that I believe is incorrect, I request that these records be updated immediately. Additionally, I would appreciate it if you could provide a detailed explanation of the methodology employed in verifying the accuracy and completeness of the information, to the address provided above.
Product: Debt collection

Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/2016 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. Now they went to the credit reporting agencies to blacken my name and blackmail me into paying a bill that has nothing to do with me. Please help me defend myself against this cruel, vindictive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency PRA which also cancelled contract. I paid PRA in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.
Product: Mortgage

My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. 
Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.
Product: Checking or savings account

On XX/XX/2019, my U.S. Bank account ( which currently had a negative AVAILABLE balance at the time ) posted an ACH deposit from my employer in the amount of {$1100.00}. 

Subsequently, in chronological order, the US Bank went on to assess me four separate overdraft fees totaling {$140.00} for transactions that occurred AFTER the deposit had posted, a fact which is clearly supported by the " snapshot transaction '' feature, which shows a positive balance more than sufficient to cover the overdrafts which, until they POSTED on the SAME BUSINESS DAY were phantom transactions in a " pending '' status, in which funds had not yet been paid out to the respective merchants. 

This is a very sneaky and questionable banking practice from an institution who vaunts its credentials on it website as " One the World 's Most Ethical Companies '' for five years in a row.
Product: Debt collection

I received a call from a man who left a message saying that I was avoiding them and that I needed to call them in order to stop him from coming to my house and my work. I called the number that he left and the lady said that I needed to make arrangements in order to stop it from going to court and fraud charges be filed against me. I panicked so I set up arrangements. She said I owed around 1700 but if I settled it would be XXXX and it was going to be XXXX a pay period until paid off. I asked if I could receive any documentation because I thought I had made payments but just didnt pay it off and she said that they couldnt give me any documentation until it was paid in full because I could use that information against them.
Product: Credit reporting or other personal consumer reports

Midland has place a levy on my accounts for a debt ( credit card ) that is not mine. All my accounts are frozen. I am a single mom that is currently unemployed and have no way to feed my children do to the judgment that was place to garnish my accounts... I was never served or aware of this judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent five letters to Experian asking them to validate a collection account that is being reported on my credit. The account in question is XXXX XXXX. I have asked Experian to remove this collection off of my account due to the fact I have no signed contract with this company. This particular collection account was previously listed on all 3 bureaus, however XXXX and XXXX  has since removed this collection off of my credit report due to the fact it couldn't be validated. I am just requesting that since 2 out of the 3 couldn't validate this account how could Experian. Experian keeps sending me a generated template but not the information request asking them to provide with a name of person spoken with, for example in order to validate this account. I have proof that XXXX  has removed this collection. XXXX has also
Product: Credit reporting or other personal consumer reports

my loans have been discharged and is still on my report. i am homeless and this is keeping me from getting a home.
Product: Credit reporting or other personal consumer reports

I NEED ALL HARD INQUIRIES ALL WRONG INFORMATION REMOVED FROM MY CREDIT REPORT I HAVE NOT AUTHORIZED ANYONE TO USE MY INFORMATION TO ANY OF THESE COMPANIES.
Product: Vehicle loan or lease

Westlake financial keeps showing up on my credit report and its been 7 years and it shouldnt be on my report anymore. This is not the 1st time that I have addressed this issue.
Product: Prepaid card

You listen to not XXXX for your benefits. That's why we're not going to further. Went to court on the just that I was everyone VS situation. And there's still refusing to give him money. I XXXX, my car got stolen while I was in XXXX. I filed my claim. They won't give me my money and I have all the neighborhood that state. I was in XXXX and I'm doesn't match out. Do you think I'm gon na make a XXXX, but I'm gon na follow them? You're gon na understand at the time of the instant the transactions. It does not match up but showing you documents, but your city pickworth, saying that XXXX is saying I'm eligible that's all reason you're denying so every time I call it. It's like you're never telling me about me not about. You no, I'm gon na not be you know. Being at the hospital that you listen to court now that I've got appealed. You have no explanation, but but that's only excuse they're saying there's some. Thing, it's on the phone that the title is the metric that I've seen in no documents that. I'm out this senior camera or another. No, nothing like that. Everyone said, so he can't deny the more which they've done already. They said we're out of it now. Because open the car back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX XXXX - XXXX, XXXX 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, XXXX AND TRANSUNION. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year XXXX of XXXX my wife and I checking account got hacked. We received multiple unauthorized charges therefore our checking account was automatically frozen by our banks Fraud department. While the account was frozen our monthly automatic mortgage payment unfortunately did not get processed for the month of XXXX. We honestly had no idea the payment did not go through. Our bank eventually reopened our account and our mortgage payments continued to get taken out every month thereafter. XXXX XXXX XXXX never once tried contacting me to notify me that the payment was missed for the month of XXXX. Had we known the payment did not go through, we would have immediately made the payment. We never received any type of contact from XXXX XXXX XXXX, a credit collection agency or anyone saying that the payment was not received. Since the payment didn't go through XXXX XXXX XXXX reported it to the credit bureau every single month until just recently XXXX of XXXX I received a notification from Experian that I had a hit on my credit report. When I opened Experian up it showed that my credit had dropped from a XXXX to a XXXX. XXXX XXXX XXXX has completely destroyed my credit and any chance of getting any type of loan. All they had to do was pick up the phone and call me and I would have immediately made the payment that was missed. When I finally found out we had missed a payment we immediately called and made the missed payment. As stated above, we continued to make our monthly Mortgage payments every single month but instead of using that payment for the one that was missed they continued to report us to the credit bureau as late. My wife attempted to call XXXX XXXX XXXX and ask if anything can be done fix it and she was told there is nothing that can be done. When she asked why we were not contacted by anyone, the rep for XXXX sated " we don't have to contact you ''. We have made every single mortgage payment on time our entire lives and honestly had no idea this had happened. This is absolutely wrong for XXXX to do this to someone. A simple phone call or mail would have notified us that the payment was late and we would have immediately made the payment. Still to this day I would not have known the payment was missed if it wasn't for Experian notifying me that my credit dropped. I have since filed a dispute that was denied by XXXX XXXX XXXX. I have now uploaded proof of Fraud from my bank during the same time the payment was missed. Something needs to be done about this.
Product: Debt collection

- I opened a loan with Prosper in XX/XX/XXXX o Encountered financial hardship Fall XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted Prosper via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to XXXX XXXX  XXXX - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of XXXX XXXX XXXX. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - Prosper continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about XXXX XXXX, XXXX?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet Prosper continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute with XXXX about an authorized user account of mine that had been closed and charged off, by Barclays Bank Delaware. However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking Barclays to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with Barclays. 

I have also tried telling XXXX on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with XXXX once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.
Product: Credit reporting or other personal consumer reports

The items was removed from my credit and now I see they are still on or back on