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

I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big 3 bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten ZERO responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.
Product: Checking or savings account

On XX/XX/XXXX, I went into the Regions Bank located at XXXX XXXX XXXX, XXXX, Alabama XXXX to make a deposit. The deposit was a State of Alabama check that was issued for a refund of my retirement contributions to XXXX XXXX XXXX of Alabama. Upon making the deposit I asked the Branch Manager if there was a hold on the deposit. She stated she did not see one at the time, but a hold may be placed when it went through overnight processing. As such I left the bank without any definite information regarding a hold. On XX/XX/XXXX I received an email about a 7-day hold being placed in my account, but the email did not define the reason for the hold. I was under the impression the Reg CC requires funds from federal, state, or local governments to be made available next business day. Is this not the case? According to Regions, this is not so and a seven day hold can still be imposed on such checks.
Product: Credit reporting or other personal consumer reports

Subject : Disputed Account Removal and Verification of Debt Request for Deletion from Credit Report To : All Credit Bureaus ( XXXX, XXXX, Transunion ) I am writing to notify you that I recently disputed two charge-off accounts listed under my name with XXXX XXXX XXXX on my XXXX credit report. After the dispute process, XXXX completed its investigation on XX/XX/year>, and completely deleted the accounts from my XXXX report. 

The disputed accounts in question were for the following amounts : {$590.00} account : XXXX {$760.00} account : XXXX As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I am entitled to request the removal of any unverifiable or incorrect information from my credit report. Since XXXX has completely removed these charge-off accounts due to their inability to verify the debt, I believe it is in violation of consumer protection laws for these same unverifiable accounts to remain on my records with your agency. 

Given that XXXX has deleted these accounts due to their inability to verify the debt, I request that you conduct a thorough investigation into the matter and remove these unverifiable accounts from my credit report within 30 days or less. The Fair Credit Reporting Act ( FCRA ) mandates that you correct or delete any unverifiable information within a reasonable time frame. Failure to comply with this request could result in legal actions. 

I would also like to remind you of the following legal protections under the FCRA : Section 611 of the FCRA : If any information is disputed by the consumer, the credit reporting agency must investigate the claim and, if the information can not be verified, must remove it from the consumers report within 30 days. 
Section 616 and 617 of the FCRA : If you willfully or negligently fail to comply with the requirements of the FCRA, I am entitled to pursue legal action, which may include suing for damages, as well as seeking statutory damages of up to {$1000.00} for willful violations.

Section 605 of the FCRA : The removal of unverifiable debt is not only a right but a requirement. If information is found to be inaccurate or unverifiable, it must be deleted promptly. 

Therefore, I respectfully request that you remove the two charge-off accounts from my credit report within 30 days due to their unverifiable nature. Should these accounts not be removed in the required timeframe, I will not hesitate to take legal action and will explore all available options to protect my rights under federal law. 

Please confirm the removal of these accounts in writing or by updating my credit report as soon as the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I grew up by myself from XXXX XXXX XXXX No parents and I have XXXX  XXXX and so many report and inquiries and my credentials were stolen by family and cell phone so I was taking advantage of my stupidity and inability to learn Inever had mortgage or applied for federal aid XXXX XXXX XXXX XXXX MD is my daughter but I am always being contacted about debt relief please lmk if I do have loans mortgage or car lease because I do not my address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I pay all my Bill 's electronically, I set up bill pay for Barclay 's on XX/XX/XXXX payment was cashed on XXXX I have confirmation number. I called Barclay 's after receiving a bill w late payment fee. I explained the above they said they would research. 2 months later another bill with more late fees. Called again paid the remainder of my bill off over the phone. Had a 3 way call w my bank, XXXX stated the payment was sent and cashed by Barclay 's they said ok we have to research. Again 2 months later another bill w late fees. This time I called and faxed confirmation proof, they had to research. 2 months later another bill w late fees. At this point I don't know what to do its {$50.00} but I refuse to repay this money. This is the worst company I have ever dealt with. I have no more proof to give but it's obvious they received the payment.
Product: Debt collection

The Complaint that I have is with TRIDENT ASSET MANAGEMENT. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with TRIDENT ASSET MANAGEMENT. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.
Product: Vehicle loan or lease

I have made several payments to them in the last two months of what I could pay as my normal payment amount and Im only a month behind, they continue to call 2-3 times a day and now they are calling me on the weekends. I feel harassed as they havent sent me any paperwork only called multiple times and disrupting my home life with 3 kids and a pregnant wife. Its continued added stress that we dont need
Product: Debt collection

( No Contract ) leg al items was verified from A third party & placed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

{ Credit Bureau : Experian, XXXX } { Credit Bureau : Address { XX/XX/XXXX } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made. 

I contacted [ 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 ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ 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 ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Prepaid card

Ive been going back and forth with them for XXXX weeks now. Someone got my card info and sent theirself {$XXXX} on XXXX  and spent right over {$XXXX} at a gas station on XX/XX/year> and XXXX  direct said that they didnt cover either thing but then said they would give me the {$XXXX}. The next day I see a deposit of XXXX but it had been taken right back out. I called again and have emailed them a few times in between all of this. When I called again they said the {$XXXX} would be on my new card and I said that makes no sense it would still show in my balance. They said if it didnt show on the new card to call them. It took almost XXXX weeks to get the card then they tried to say the XXXX wasnt what they were giving me back but instead it was my balance being transferred to my new card which wasnt true bc after all of that money was stolen I had under {$XXXX}. Then on XX/XX/year> I get an email saying I didnt fill out the dispute form THAT I NEVER RECEIVED NOR WAS I INFORMED ABOUT!!! I was told different things each time I spoke to them. I was promised my money. I was never told anything about a dispute form. They just said that they would be depositing the money into my account. Then they said that it was deposited into my account even though it shows it was taken back out then they said that that wasnt the money they were supposed to deposit. It was money getting transferred to my new card, but I didnt even have {$XXXX} in my account so that is not the case its been back-and-forth and different things every time And I just wanted my money back that was wrongfully stolen. They claimed that they couldnt reimburse the money from the gas station because it was added to someones XXXX pay and they dont cover that but they said they could and would refund my {$XXXX} but now that they did not send me the dispute form so I didnt have time to fill it out even though I have filed the police report over the unauthorized charges, They sent me an impolite response saying they have already made their decision and it is final. No apologies for their employees giving me false hope or false promises
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took my info and apply for credit card now I can't remove it
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other address : XXXX XXXX XXXX XXXX XXXX XXXX  email XXXX Bank of America recently sent me a letter in the mail to let me know that I have an account ending in XXXX. That I could look it up online at bankofamerica.com and I could not log in without a debit card and the website needs the last XXXX numbers to enroll for online banking. I wish to submit a complaint to CFPB to tell you about the financial harm my account and I have experienced as a direct result of unsound risk management, deficiencies in operational control, incorrect procedures that closed the account without giving me the right to dispute the bounced check that was cashed I should not be liable for. This account that came in the notice is my past checking account that was closed and with a negative balance that will be able to be given credit for the fee returns and more from the reward credit that might be available. I have been needing a checking account and this account notice I got in the mail could be the XXXX keeping with BOFA. I have not been able to get a hold of customer service that easy without a card and the entire account numbe. All the workers said they didnt have access and I have to make an appointment to open and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old items still effecting my credit score. Regardless of exceptional payment history, the XXXX and TransUnion scores never increase to the accurate scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX and was told my identity could not be verified. I have contacted Experian several times to ensure there is no security freeze on my report. I logged into their website and verified there is no security freeze on my credit profile ; however, creditors are still unable to verify my identity.
Product: Debt collection

This account is paid and I have taken care of all payments that were due. I have asked for this account to be removed. I am applying for a home and this is hurting my credit score. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error. Thank you.
Product: Credit reporting or other personal consumer reports

MOHELA account is XXXX balance but my credit report still had all the loans and the amounts as if I still owe
Product: Credit reporting or other personal consumer reports

Experian refuses to make report available online in any browser at any time. Experian refuses to explain WHY it will not make report available online. Repeated contacts with Experian lead to company saying " you received report by mail. '' THAT IS NOT AN ANSWER. Experian REQUIRES report to be ordered by mail and refuses to make it available online. Please see attached document for the message displayed at XXXX. THIS IS ONLY DONE BY EXPERIAN ... other credit bureaus provide reports honestly. EXPERIAN REPEATEDLY REFUSES TO EXPLAIN ITS DELIBERATE FAILURE TO PROVIDE REPORT ONLINE.
Product: Credit reporting or other personal consumer reports

My personal information has been leaked through the XXXX data breach. Transunion has enabled identity theft by failing to accurately verify information prior to furnishing information on my consumer report. I have disputed multiple times and requested verification of the information furnished yet have not received any response since XX/XX/year>. This is a violation of my consumer rights and I need help to get this rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have concerns about two accounts I noticed on my credit report. 

Account under name XXXX opened XX/XX/XXXX and currently closed as a charged off. I have reached out to the company directly and I was not given any information on how account was opened. It has currently reached over 30 Days into the investigation and I have not received any results from the investigation. Amount reported on account is XXXX. 

Account under name Bank Of America opened XX/XX/XXXX and currently closed as a charge off. It has been over 30 days of being investigated and I have called them directly and I haven't been given any information. I was told they no longer have the account. Amount reported on account is XXXX.
Product: Mortgage

My current mortgage company, PHH Mortgage, overpaid the county property taxes last XXXX in the amount of {$15000.00}, which has led to a negative balance in my escrow account ( - {$8100.00} ). In XX/XX/year> XXXX Mortgage issued an 140 % mortgage increase ( from {$1800.00} to {$4300.00} ) that is in effect starting XX/XX/year>, for the next XXXX months to replenish my escrow account. I have contacted PHH Mortgage multiple times via phone and email about their mistake and requested that the mortgage payment increase be put on hold until their internal investigation is complete. I was given blanket statements such as Your issue is being reviewed by our Research Department. Please allow ten business days to complete the research and respond to you On XX/XX/XXXX their research department issued me a letter stating they will not pause the payment increase and I am expected to make {$4300.00} monthly payment. They also requested that I provide them with the updated legal description of my property for them to resume their investigation. 
I have provided them the updated legal description of my property on XX/XX/year>, and I have not heard back from their research team. After providing PHH Mortgage with an updated legal description to my property I shipped out my original mortgage payment of {$1800.00} on a money order to PHH using XXXX overnight priority shipping to ensure PHH receives the original mortgage payment by XX/XX/XXXX. Which I have confirmed they have received. I can not pay the additional 140 % increase and feel at a loss from this incoming financial hardship.
Product: Credit reporting or other personal consumer reports

I received a letter from Synochrony Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This letter was a STATEMENT OF CREDIT DENIAL, TERMINATION, OR CHANGE, dated XX/XX/year>, with a request for financing for services and/or products. I had my information stolen about three months ago, and I never applied for a credit card with this bank/company. I have no idea where and what this company is about and have never applied for credit services with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity fraud. The company Experian refuses to reimburse for Identity Theft Insurance that was mentioned to me before initially signing up
Product: Debt collection

I had  XXXX   XXXX  many years ago ... .Account was closed by me for billing errors ... .on  XXXX   2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency  Eos Cca  {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX is reporting a charged off account on my credit reports. When I looked at my reports and saw this account I found that each bureau was reporting drastically different information and I find that funny because if all three credit bureaus get their information from the same place, how can they all report multiple inaccuracies? It is illegal for the bureaus to report inaccurate information on a consumers report and I am requesting that this account is deleted from my reports given that they are in violation of the consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with Driveway Financial. As soon as I found out there was a balance on this debt, I started issuing {XXXX} payments to Driveway Financial in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead Driveway Financial has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that Driveway update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.
Product: Credit card or prepaid card

Received letter today asking me to ID myself so a credit card could be issued ( Verizon CC ). I did not apply for such a card. The Banks address and phone number on the letter appear to be phony. My XXXX Report shows " Soft Inquiries '' about a Verizon CC.
Product: Credit reporting or other personal consumer reports

I am formally disputing multiple unauthorized inquiries on my credit report. Despite my earlier communications and submission of necessary documents, including the FTC Identity Theft Report, these inquiries continue to appear. I have contacted the relevant institutions, and they confirmed that these inquiries were made in error and would be removed from my credit report. Notably, XXXX and XXXX have already stopped reporting these unauthorized inquiries after my FTC report submission. 
It is concerning that your bureau continues to show these inquiries despite clear evidence of their fraudulent nature and assurances from the involved parties. Under the Fair Credit Reporting Act ( FCRA ), your bureau is required to conduct a thorough investigation of disputes and review all relevant consumer- provided information. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

Received a notice from a debt collection represented for XXXX. I signed up but decided not to bring my son who never attended the school