23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

End of XX/XX/XXXX, I moved to a new house and discontinued services with XXXX. Returned equipment and paid bill. Few months later I found out I had a derogatory hit on my credit report saying I owed {$450.00} for not returning equipment. I was never notified in writing and found out through credit monitoring. I had mail forwarding for a while, but by the time this noticed received it had ended. I then contacted XXXX  and disputed with collections agency XXXX. It was removed from my account. Then convergent added to my credit report in XX/XX/XXXX with open date of XXXX. No letter or other notification of collections. I fought with them for a few months since I wasnt notified to dispute and finally was removed from my report. Then XX/XX/XXXX, another hit on my report, but now with credence rm. no letter or notice. Spoke to credence multiple times the past week and they said its company policy to send notice to address on file from XXXX. I asked even if its been 6 years and I discontinued service with XXXX for new address, which currently has XXXX  XXXX? Each time they add this collections to my report it always appears to be a new hit and I lose XXXX points on credit. I dont even get a notice its going to happen to try and prevent from being hit. Ive felt with XXXX and 3 different collections agencies and keep getting harrassed. Spoke with supervisor with credence and he didnt listen to anything I was saying and lied about being the only collections agency to request info. Told me they cant help I changed my address and that they couldnt update the incorrect info provided to credit agencies. And said the only way to resolve was to submit payment. Im not paying .1 to them for something I returned.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal information.
Product: Credit reporting or other personal consumer reports

I checked my credit report and a notice increase that I didnt authorize nor do I recognize these inquiries are fraudulent and I and I reached out to the credit bureau only not to get any help. They told me that I need an FTC report. I told him I already had one and I sent it out. They told me that they couldnt see it, which led me to the point to file a complaint with the CFPB because Im all out of options I have already filed the complaint with the FTC, but there are so many inquiries that I could not put them all on one report starting ( XXXX  XXXX : XX/XX/2024/XX/XX/XXXX, XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit card

Around XXXX XXXX XXXXXXXX, within a JC Penny 's store, I was checking out to buy two shirts that I wanted from the store. While checking out, the cashier, asked if I would like to sign up for JC Penny 's reward program. I asked her if joining was free, and that the membership was free, and she confirmed yes. She said that it would give me a discount on my total from XXXX dollars down to XXXX dollars, which I thought was a good deal for a free membership. She told me to input my email, SSN, as well as the rest of the process. The entire time, the phrase " membership '' and " membership card '' was explicitly used, which misled me into thinking that what I was signing up for was not a credit card, credit line, or anything similar. Up until after I signed the receipt verifying that I signed up for this " membership '' did I realize that I had signed up to open a JC Penny 's credit card. I found this incredibly misleading and am lodging a formal complaint against the company to make others aware of these tactics. I plan on pursuing this to the fullest degree. Furthermore, she had charged the credit card, without my knowledge, with the XXXX dollars I had to pay instead of choosing which payment option I would like. To summarize, I was misled to opening a credit card by the cashier, I was not given an option of payment but rather had the card charged without my knowledge, and nothing was done in retrospect.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I requested the removal of 2 bankruptcies on 20 different occasions. Each time they send me a notice back said its verified as accurate by Lexis Nexis and Us Bankruptcy. Contacted both Lexis nexis and us bankruptcy court an neither of them had verified any an information sent them my documents from both companies and they are still refusing to remove the items. Attached are the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed numerous complaints with Equifax that the information on my mortgage was incorrect. I have a mortgage thru XXXX since XXXXEquifax stated that the bank XXXX with my mortgage gave them the info., but XXXX states Equifax did not contact them or they would have explained that in XX/XX/2020 I filed a interest rate refinance and that all payments were on hold during this time. I have a FHA Mortgage and it was 4 months until it was completed. Equifax showed this as missed payments. Equifax did not contact XXXX for verification, but I did. This seems to be a problem with Equifax when I declined to purchase there credit reporting. They took my credit score and dropped it XXXX points when my score should have went up, not down.
Product: Mortgage

Mr. Cooper, powered by XXXX, transferred my mortgage to Mr. Cooper effective XX/XX/year>. 

Mr. Cooper has for XXXX months now ( XXXX, XXXX ) claimed that my mortgage has been successfully paid but my bank 's most recent mortgage payment was received in XXXXXXXX XXXX and nothing has been posted to my bank since. 

We have now missed XX/XX/year> and XX/XX/year> mortgage payments because Mr.Cooper has not been able to successfully post the payment to our bank, despite claiming they received the payments. 

When reaching out to Mr. Cooper to resolve the matter and explain that they have received no money from us ( and so if they are actually getting money it is probably incorrectly from someone else 's bank ) they simply repeat over and over again that our payments have been successfully received, and when asked for proof of this they send just the billing/due statement and nothing to prove they have received the money. 

We will not be able to afford our mortgage payment when Mr. Cooper finally catches up and realizes we have missed months of payments. 

Please help.
Product: Mortgage

Issues in XXXX. My loan estimate states my fees are {$6800.00}. I was given my cd with fees $ XXXX higher than what was disclosed on XXXX. My loan officer forced me to close on XXXX, waiving my 3 day right to review and accept higher fees. I also found out I do n't have a clear title and there are open permits that deal with final completion and occupancy.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I received email from Bank of America that I had messages to review. When I logged in and opened them, it had to do with insufficient funds. But there was over $ XXXX in the account. 

When I called in, I was told the account was on " hold '' due to an ACH transaction I had initiated with another already-verified institution that I was told could not be " verified ''. I was told the " hold '' began on XX/XX/XXXX. After several conversations with the Fraud department at BofA, I was told the only resolution was to bring a copy of my bank statement from the other financial institution showing I owned the account. 

WHY WAS I NOT CONTACTED DIRECTLY BY THE BANK?? INSTEAD, I HAD TO CALL THEM. 

XX/XX/XXXX - I worked with a banker ( XXXX XXXX at the local BofA branch to accept the statements and he made copies while I was there and I was told it should take XXXX hours for the " hold '' to clear. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. After asking for escalation I was then informed that no one received the paperwork and was told I would need to revisit a branch and provide the forms again. 

XX/XX/XXXX - I visited a branch and again provided the statements that were asked for. I was told that as long as the information looked correct, that I should expect my " hold '' to be removed by the end of the day. 

XX/XX/XXXX - I again called BofA Fraud department and after escalating to a manager was told that they could legally have a " hold '' on my account for up to 30 days while they go through the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that has been reported on my credit profile by Experian. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to Experian. Experian replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. Experian is being dishonest. I have attached the correspondence from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Inconsistent late payments were noted on my credit report. Please address and correct these inaccuracies.
Product: Checking or savings account

PNC stopped allowing customers to manage their money using XXXX XXXX  such as XXXX and XXXX. PNC does not offer the same credit repair services that other apps do and are not allowing me to freely use my income in ways that benefit me best in rebuilding my credit. If they do not fix this issue and again allow customers to use XXXX secured apps, they will undoubtedly lose myself and many other customers. This issue has directly impacted my ability to pay bills on time and caused me to incur multiple fees due to their changing the policy and blocking the apps from use without notifying customers and without any good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report a closed auto account on both my XXXX and Equifax credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. XXXX XXXX XXXX not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. XXXX XXXX XXXX is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. 

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this unverified bankruptcy entry with Experian, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from Experian. 
Experian has made claims several claims that this information has been verified by its 3rd party vendor XXXX, with no other details provided to me. With that response from Experian, I contacted XXXX and asked them to verify this information, by obtaining the records this vendor had. XXXX could not show or prove that Experian had contacted them or verified this bankruptcy as Experian has claimed. Bankruptcy information was never found in my consumer disclosure report that XXXX maintains. 

XXXX conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to XXXX stating a removal of the bankruptcy, Experian did not respond to me nor XXXX. 

Despite this information FROM XXXX and additional information provided to Experian by their third-party vendor, the unverifiable information remained. 

Experian, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

According to Experian " verified '' means that the company, ( in this case vendor ) that reports the information to Experian has certified it reported accurately. However, this is not the case, XXXX DID not verify to Experian that this information was verified. 

A letter was sent to Experian on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since Experian verified with XXXX . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also Experian sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did Experian instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?
Product: Checking or savings account

I deposited some checks onto my checking account and had to wait a whole week while it cleared well now that it cleared chase will not release me my money that i worked hard for and i have a XXXX  baby and ineed to feed and support but how am i supposed to do that if some insensitive banker is giving me a hard time with my account, i already waited week for hold to clear and still dont let me get my .money that is already in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

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

In XXXX I filed a request with Experian to remove an account that was over 10 years old and closed which was a XXXX Credit Card that was closed in XXXX. They didn't do that because I filed a dispute showing that my credit report showed the account was closed in XXXX and they did delete it, but! They also show a XXXX  that was updated in XXXX which is still showing it will stay on my record until XXXX. This is NOT a credit card, it is simply Experian 's incorrectly making it look like we had a second XXXX  credit card, which we did NOT! My late wife and I had only 1 Credit card with XXXX  which was closed in XXXX. We did have a 2nd Mortgage on our home in XXXX but it was paid off and closed when we sold the house and moved to TX. This second account showing is not a credit card, it is a reflecting the fact I filed a dispute and Experian made it look like a credit card IT IS NOT! It should be deleted, there is no credit card, they should call XXXX  and confirm and then delete the listing in my credit report because it is in ERROR! 
Experian is refusing to delete this entry in my credit history, it is in error!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX ). In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.