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

I have disputed these fraudulent inquires but did not get any response or results, these unknown iquries are not mines nor did I authorized any of the following : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I FILED A DISPUTE OVER CHARGES THAT THIS COMPANY SWINDLED ME OUT OF XXXX. XXXX XXXX LIED TO THE BANK SAYING THERE WAS A PARTICULAR TIME FRAME TO GET A REFUND.I WOULD LIKE MY MONEY BACK AFTER THEY CANCELED MY XXXX OUT OF NOWHERE. 
I MADE A XXXX DOWN PAYMENT ON XX/XX/2020 AND THE FINAL PAYMENT WAS TO BE MADE 15 DAYS BEFORE THE XXXX WHICH WAS XX/XX/XXXX. I HAVE BEEN TRYING TO CONTACT XXXX XXXX SINCE XXXX AND SHE HAS NOT ANSWERED MY EMAILS AND TEXTED AND I HAVE PROOF OF THIS. THE AUTOMATIC SYSTEM CONTACTED ME SAYING MY XXXX WAS CANCELED. I CALLED XXXX XXXX AND THEY TOLD ME XXXX WAS SICK FOR 3 WEEKS! NO ONE FROM XXXX XXXX INFORMED ME SHE WAS SICK AND DID NOT DO THE PROFESSIONAL THING TO LET ANOTHER TEAM MEMBER HANDLE HER ACCOUNTS NOT EVEN HER MANAGER DID THE RIGHT THING TO GET THE PAYMENTS FROM ME. THEY ARE REFUSING TO REFUND ME BECAUSE IT WAS PAST THE 15 DAYS BUT HOW IS THIS IS POSSIBLE WHEN I WAS NEVER INFORMED INITIALLY THAT SHE WAS SICK. I HAVE ALL THE PROOF I WAS TRYING TO GET A HOLD OF HER BEFORE THE 15 DAYS BEFORE THE XXXX. THIS PLACE NEEDS TO BE SHUT DOWN FOR SCAMMING PEOPLE. I WAS FLYING ALL THE WAY FROM NEW JERSEY FOR THIS XXXX. I AM OUT OF XXXX AND A PLANE TICKET! SANTANDER DID NOTHING AND JUST EXCEPTED THEIR LIE ON WHY I SHOULD GET MY MONEY BACK. I WILL BE CLOSING MY ACCOUNT AFTER THIS FOR THE VERY POOR CUSTOMER SERVICE AND PROTECTION ON YOUR CLIENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX XXXX , XXXX refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, XXXX for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, XXXX XXXX XXXX , XXXX, which last reported this old debt on XX/XX/2018. This is illegal.
Product: Credit card or prepaid card

Apply for Credit Card, I have high credit score, and no high balances in my credit card, no late payments, no derogatory marks in my credit report, I have very good credit rating. Card Denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX XXXX XXXX and equifax. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit repor

t in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and
contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

Identity information was sold and bought illegally because I was a victim of the Equifax data breach I want these items removed off my credit report immediately I am attaching proof that Equifax admits that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these negative items off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.
Product: Debt collection

My medical provider had trouble collecting payment for insoles from my insurance. The debt was paid in full by me in XX/XX/XXXX. Despite the fact that no debt is owed Quality asset Recovery continues to report the debt as being in collections. This was disputed with the credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. They keep reporting the debt and causing significant impact to my credit.
Product: Credit reporting or other personal consumer reports

Subject : Fair Credit Reporting Act Violation Dispute of Unauthorized Accounts In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Violations : 15 U.S.C. 1681 Section 602 ( a ) I have the right to privacy regarding my credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A furnisher shall not report inaccurate information or information they have reason to believe is inaccurate. 
Disputed Accounts : XXXX XXXX Account # XXXX {$41000.00} XXXX XXXXXXXX Account # XXXX {$0.00} XXXX XXXXXXXX Account # XXXX {$2400.00} XXXX Account # XXXX {$0.00} XXXX XXXX XXXX Account XXXX XXXX {$130.00} XXXX XXXX XXXX Account # XXXX {$750.00} XXXX XXXX XXXX XXXX Account # XXXX {$1100.00} These accounts are unauthorized, inaccurate, and/or improperly reported. Please delete these items from my credit report immediately per the FCRA. If verification can not be provided, failure to remove these accounts may result in further legal action.
Product: Mortgage

I applied for a home equity loan in XXXX 2016. I was pre approved in XXXX. Wells fargo ordered a full appraisal of the home. when i received the appraisal back it was clear the to appraisal company did not calculate the square footage of the home correctly underestimating the square footage by over XXXX square feet. I brought this to the attention of Wells Fargo and they agreed an error had taken place. They escalated the complaint ultimately to the executive resolution specialist who after months of delays of supposed 'research ' sent me a form letter that home values are subjective and they are closing my application. There was not even a an attempt to address the fact that the appraisal company used a square footage that is over XXXX square feet smaller than the home liste square footage at my county.
Product: Mortgage

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PHFA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I have had a very difficult time with SLS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SLS always seemed to lose my paperwork, which I constantly had to re-fax. I currently have a full modification package submitted with every required document. SLS has refused to review the documents. Stating the need 37 days. I have been informed by HUD under the California Homeowner Bills of Rights it 5 days. Which I have done. 

The hardship that has caused me to be in this situation is I was laid off 8 months before COVID hit the United State. I was applying for a new jobs and the pandemic stopped all the interviews and process I had completed. I kept looking for work during the pandemic and was finally hired for a new job in XX/XX/2021. I am back to work full time with a great new job and with my wife income as well we can easily afford our mortgage payments. HUD has informed me that my gross income qualifies under mortgage banking guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account on my credit file, and although multiple FCRA violations have been clearly committed, this file remains on my credit report. I have contacted Equifax numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XXXX-XXXX  against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Equifax has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Equifax to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Equifax is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP
Product: Credit reporting

I contacted Transunion online and by phone at XXXX. I was only able to obtain my credit score for free. I was unable to obtain a copy of my credit report, the whole thing, without being asked to pay a charge. This is against the Federal Regulations!
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not know how this individual obtained my personal information Accounts : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Convergent outsourcing Account number XXXX XXXX XXXX XXXX XXXX   Account number XXXX XXXX XXXX, XXXX  ACCOUNT NUMBER XXXX XXXX  XXXX  Account number XXXX Inquiries : XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

My husband lost his job XXXX XXXX, 2015. I am in nonprofit, not enough to pay our mortgage. We 've been in this home for 20 years ... stuck in a bad mortgage ( we expected to refinance this fall but he lost the job ). We have never once been late, ever, until a week ago ( but we have not been sent to credit, as it has not been 30 days ). The loss of income coincided with this loans uptick in interest rate and principal payment, which is overwhelming. WELLS FARGO will do nothing to assist while my husband is out of work. We are not asking for forgiveness, just help during this time. This morning we were told they would do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to several people at Equifax that this account for XXXX XXXX XXXXXXXX does not belong to me. I keep explaining and speaking to people off shore each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report as they requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these disputed accounts are accurate and belong on my file along with copies of the documentation that they used to verify the accuracy of the items I disputed you ignored my right to request this information from you. Rather than complying with your duty to provide me with this information, your repeated refusal to comply clearly demonstrates your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your boiler-plate responses to them.
Product: Credit reporting or other personal consumer reports

In XX/XX/, my Discover credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.
Product: Mortgage

In 2009 we owned 5 parcels of land, we pay all taxes our selves. XXXX took it upon themselves to pay taxes on a parcel that was not a parcel with their mortgage. We sent them a letter explaining what they had done. We received a letter of apology from them. Also a letter from them they received a refund from our tax office, that they received a refund. We have called them repeatedly for years and they keep turning in late payments to credit bureaus. Also letters stating they will foreclose for non-payment. They are charging my scheduled house payment, ( XXXX dollars ) to XXXX dollars a month for nothing. We have always payed our land taxes and our home insurance. We have never been late on our payment. I have requested a mediator from them to fix this they only ignore my request! I do have all documents we have sent and received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were hospitalized with XXXX XXXX during XXXX of 2021 and subsequently my wife had a XXXX XXXX  and is still hospitalized. During this time my property was for sale but the transaction was not finalized until XX/XX/2021. We are in the process of buying a replacement property utilizing a XXXX exchange but the lender who is processing our loan advised us that that there are two late payments been reported by Nations Direct Mortgage, XX/XX/2021 and XX/XX/2021. I contacted Nations Direct Mortgage, explained our delicate and challenging time we endured but completely disregarded our request. Now if my XXXX mortgage payment was not received by the first, shouldn't they have assessed a late payment fee but not a late reporting on my credit when they, Nations Direct Mortgage, were paid off on XX/XX/2021. ( Payment was due for XXXX, payment was added to total payoff demand and paid again on XX/XX/2021 ). It would help us immensely if your office helps us resolve this matter with Nations Direct Mortgage. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We need your help. Thank you.
Product: Debt collection

I keep getting harassed by resurgent capital and XXXX XXXX  for a XXXX  debt I never had and never used. I have asked for verification numerous times and they keep sending me inadequate verification and no real verification like a sworn affidavit of account from original creditor etc. a matter of fact their debt buying contract says that the original creditor does not warrant these accounts and they know it. See attached verification they sent which is an account summary they created! These companies should be investigated and XXXX down for their predatory tactics and I can not imagine how many people in this country they have scammed that doesnt know the law.
Product: Checking or savings account

Ive been a loyal Navy Federal member for almost 4 years, and I recently faced a difficult situation where my account was overdrawn by {$500.00}. Due to a legal matter, I couldnt cover the amount in time, and my checking account was closed without further assistance. Given my long-standing relationship with Navy Federal
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 1. All open accounts as closed 2. Incorrect account status on accounts 3. Reporting old accounts that are over the report time limit.

I have filed complaints and called but have been told that Iam looking at the wrong report but I see my credit Steadily dropping even with accounts I have paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Debt collection

Need all accounts with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/1993 to be fixed in the system real birthday is XX/XX/1993 social Security number XXXX and address to be updated XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX new phone number update ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Purchase amount of XXXX usd. Interest defered for 6 months. The company backcharged 6 months of added interest at a rate of 29.90 % violating the terms and conditions agreed to by the consumer Consumer has paid over {$700.00} usd ytd on credit line of {$1500.00} and current balance shows as {$1200.00} usd. 
Consumer has tried to ask why this ballance is so high and company reverts back to interest defered promo and states lump sum of interest Company is reporting to credit bureaus and is a foreign entity operating off shore.