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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX COL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record.
Product: Mortgage

COMPANY I am complaining about : Loancare, a XXXX company which may or may NOT have been recently purchased by XXXX XXXX XXXX 

I requested to be taken OFF of forbearance and requested a deferment of the outstanding 10 payments at the beginning of XXXX. 

I have recently started a job and can now make regular payments. 
I also need to finance a car and need the loan to be off forbearance and show as CURRENT. This is the source of my HARDSSHIP due to their gross negligence. 
I am also considering filing a complaint with the consumer protection bureau. Their incompetent top management is causing financial hardship. 

As of XX/XX/XXXX, the loan changes had still not been processed. 
That is causing considerable financial hardship on me because it is delaying the opportunity to get a loan as interest rates go up. 

This company is totally incompetent and truly slow and unresponsive. The entire executive suite should be fired for not thinking ahead and getting more modern and up to date systems in investing in technology. Instead they buttered their bank accounts and slapped themselves on the back for doing such a good job. 
In the mean time, my new monthly statement STILL SHOWS that the loan is in forbearance and even if they get it done tomorrow, I will have to wait unitl I get a new statement at the end of XXXX to prove that the loan is current. 

That means that the total elapsed time from my request until resolution will have been over two months. Inacceptable.

I request that you reach out directly to Loancare 's management as well as to Management of the new owner, XXXX. 
Their inaction and inability to plan and staff up is no excuse for BAD LOAN SERVICING. 

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

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.
Product: Credit card

I scheduled a payment online for XXXX XXXX Credit card which is issued by Synchrony bank on or about XX/XX/year>. 
Today, I wanted to change the amount of payment I scheduled. I was told that I can't edit or delete the scheduled payment I did. 

The representative stated that card holders are not allowed to edit or delete any scheduled payment.
Product: Debt collection

On XX/XX/2015, XXXX XXXX XXXX engaged in a open ended credit transaction with American Express. American Express sent me monthly statements, which showed a positive number in the balance column stated that I owed a debt. 18 USC 8 shows that all obligations ( debt ) are the responsibility of the US. American express has called me on numerous occasions and have sent me emails about paying a balance that is in the positive. They have engaged in adverse action by closing my account and reporting negative information on my consumer report. All of the statement they have sent me have billing errors on them. They have violated me by stating that I owe this alleged debt and by closing my account and by furnishing negative information on my consumer report without my written permission.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting AgencieXXXX ( TRANSUNION, XXXX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Product: Checking or savings account

On XX/XX/18 I took {$100.00} out of my US Bank account using my card ending in XXXX. When I arrived home I did not have the money in my pocket. I do not wear baggy/loose clothing and am very conscious of my possessions. I rarely loose anything. I thought for sure the machine sucked the money back in and that I would see an account credit. When I did not see an account credit after several days, on XX/XX/18 I went to the branch on where the ATM is located in a sheltered ( card required to enter ) entryway into the bank. The woman at the bank processed a dispute of the transaction and assured me they would investigate by looking at the ATM report and cameras, and provide me with the findings. The ATM is owned by a company separate from the bank. I received a letter dated XX/XX/18 saying that the claim was denied because " no errors occurred with your transaction ''. On XX/XX/XXXX another letter mailed to me saying I had duplicate disputes and my dispute was being withdrawn. After some infuriating calls with US Bank where I was bounced back and forth between customer service and the fraud dept. I filed a claim with the CFPB on XX/XX/XXXX. The claim was dismissed on the basis that the Bank still had time to investigate. I near the end of XXXX I received a very cryptic letter from US Bank stating that the " documents I requested are enclosed ''. What I received was an inscrutable ATM terminal log report laced with jargon. There were no findings of fact, there was no interpretation of the report, no mention of camera footage being reviewed, no indication that the ATM machine does or does not suck money back in. The elements of a normal determination were not present and I have no confidence in their " investigation ''. Surely this kind of absurdity is a violation of law or regulation. I want an answer of what happened to that money.
Product: Checking or savings account

I was banking with Chase Bank. On XX/XX/XXXX, I was got until XX/XX/XXXX. 
when I came back I went to the back to check my balance, I was told my account was closed up because of efficient fund. the fund was taken for services to the last penny. 
I did complain to the bank, but, the respond was I can not get my money back. it was used for services. 
I filled complaint with Texas office of the comptroller of the currency. nothing was don. 
the amount was between XXXX to XXXX dollar. 
and this is the JPMORGAN CHASE BANK who took my money.
Product: Debt collection

Comenity Bank has been calling my phone everyday since I closed my acct. I had not used my lane Bryant but their new policy is to charge {$2.00} a month. When I seen that I just closed my acct because I dont use the card and it has racked up late fees from then charging {$2.00} as well as interest. I was never notified. I have asked them to stop calling. They called back to back and when I answer there is no one on the line and when I finally do speak to someone theyll act clueless. They are the only company calling so Im sure after calling several times in the morning Im receiving unknown calls in the afternoon. I answered one and the call was disconnected then seconds later they were calling again. I didnt list dates because this had literally been everyday for the last month weekends and XXXX  included.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an XXXX XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Product: Prepaid card

Purchased prepaid card on XXXX/XXXX/XXXX from XXXX. 
Did not use card until XXXX. 
Apparently someone else used the card number in XXXX to purchase goods or services AND registered this card number under their own name. Called issuer on XXXX/XXXX/XXXX. Issuer was vague and unresponsive. Suggested I fax in supporting documents, which I did on same date. 
It appears that this card number may have been issued twice. 
Issuer has failed to respond to my fax.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, XXXX, and Equifax to remove fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit file despite multiple disputes. This negligence violates Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ], 12 CFR 1006.34 ( b ) ( 5 ), and other applicable laws. 

Fraudulent accounts include : XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX  XXXX, Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Credco previously about XXXX XXXX XXXX checking my credit twice without consent of the times on this day XX/XX/18. It was removed from XXXX  but not the others. I was also told at the time of the first inquiry on XX/XX/2018 it would a soft check it was not. 
Why isn't my mortgage on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Number : 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 Account Name : IXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX Balance : {$380.00}
Product: Mortgage

after numerous attempted phone calls numbering into the double digits of transfer & voice mails and E-mails I have not been able to resolve my refinancing my mortgage loan application as of XX/XX/XXXX because of a loan suboardination response from XXXX XXXX  as the holdup for the loan. It feel 's like I am stuck between to financial svc Giants that are jerking me around. I am a XXXX yr old XXXX XXXX XXXX XXXX XXXX that's had a full blown XXXX & XXXX  XXXX  XXXX  etc - etc. I am at present a Freedom Mortgage Holder and have E-mailed them the suggestion of a novel idea which would be to integrate the HELOC loan into the mortgage loan. It seems everything stopped in the loan process when the suboardination release came into play with the loan. I thought with my credit score of " XXXX '' & my payment history of never ever missing a payment since XX/XX/XXXX that I have owned the home. I also got an interest rate lock agreement of 2.75 % from them. I believe I spotted the problem looking at that agreement which shows the market value of my home at {$410000.00} which is incorrect because that was the value of it 6years ago. The current XXXX Property Tax Notice market value is {$550000.00} I believe II have enough equity because I only owe {$340000.00}. I believe this meets the Loan To Equity standard. In these last few months I have really become frustrated no " LIVID ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.
Product: Debt collection

Requesting Immediate Review by the Consumer Financial Protection Bureau ( CFPB ) : -Notification received via email on  XXXX /2017 at   XXXX   XXXX  . from  XXXX  of a change to   XXXX    Credit report after careful monitoring weekly for over 12 months.
-Upon research, a collection was posted by : MIDWST RCVRY ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   , MO  XXXX  for {$3300.00}.
-To date, the CFPB has received 127 complaints about MIDWST RCVRY in 2017 --   XXXX   XXXX   XXXX   of 2017 already and   XXXX   XXXX   XXXX   2017-all similar to mine where collections appear with no notification to consumer prior to submission to Credit Bureau . In many cases, it is also where the consumer has no knowledge of debt or is associated with a payday loan company.
-CFPB database contains nearly 400 complaints about MIDWST RCVRY.
-Upon further investigation, this was provided to   XXXX   and   XXXX    only. Disputes have been filed with all  XXXX  major credit bureaus.
-Type/Rate of item on credit report are unusual code " OPN 09 '' and seen less frequently by the credit bureaus.
-This is damaging information to consumer credit reports and must be stopped.
Product: Credit reporting or other personal consumer reports

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.
Product: Mortgage

On XX/XX/2021, Solar Mosaic ( Via their agencies XXXX XXXX XXXX and XXXX XXXX XXXX ) denied a subordination agreement on the debt I owe on a Solar Loan to them. The subordination agreement was in the original contract, and no where in their contract does it state that defaulting on the loan removes the ability to receive a subordination agreement for a refinance. In fact, it almost seems to imply a user is allowed to get a subordination agreement at any time, as long as they're willing to pay a {$250.00} fee. I do wish to continue paying on my solar panels, but I need this refinance to help our family money wise. To this point, XXXX, XXXX, and Solar Mosaic have chosen to play hardball and ask for a complete payoff of a $ XXXX loan which is simply not a reasonable request given the times. 

I believe Solar Mosaic is violating the terms of our agreement by not allowing subordination on the title of my property in order to achieve a refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX, Account # : XXXX Auto Loan XXXX XXXX has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. XXXX is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because XXXX is predatory. 

This latest discrepancy is XXXX is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : XXXX is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

XXXX is purposely punishing me and slandering my credit report. I will give XXXX 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and XXXX has refused to take responsibility and correct their blatant errors.
Product: Credit reporting or other personal consumer reports

Equifax announced a data breach that exposed the personal information, including accounts, of XXXX XXXX people. The sensitivity of the personal information held by Equifax and the scale of the problem makes this breach unprecedented. As a result, on XXXX XXXX XXXX I reached out to all of three major credit reporting agencies ( via their websites ) and requested that all debt be removed from my credit reports under the U.S. Fair Credit Reporting Act.