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

The credit reporting agencies stated that these accounts were properly investigated came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all of the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran into trouble with my mortgage back in XX/XX/XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XX/XX/XXXX. They are reporting late 's as of XXXX  of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XX/XX/XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

I am once again filing a complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX ) regarding the improper handling of my student loan account and the inaccuracies reported to all my credit bureaus. 

According to my XXXX credit report, my student loan account with XXXX is marked as closed and paid off. Despite this, I continue to receive statements from XXXX claiming that payments are still due. Additionally, other credit reporting agencies ( XXXX and TransUnion ) have not updated my reports to reflect the accurate status of the loan, causing potential harm to my credit standing. 

per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed as per XXXX, XXXX continues to report inaccurately to other bureaus, thereby violating provisions of the FCRA. 

Under FCRA, XXXX is responsible for correcting any inaccuracies once notified. My repeated efforts to rectify this issue have been ignored. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : False Representation, By sending me erroneous statements indicating outstanding balances for a paid-off account, XXXX has engaged in deceptive practices, violating the FDCPA. 

I have contacted XXXX to dispute the statements and requested a correction of their records to align with the paid-off status reported by XXXX. see attached correspondences. 

I have also filed disputes with XXXX and TransUnion to update their reports accurately.
Product: Credit reporting

Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
Product: Checking or savings account

This bank is engaging in unethical and misleading business practices. Providing the information they provided in response to my initial complaint is AFTER the fact. First of all, it took DAYS to get any sort of response regarding where my money was. By that time, I had decided to no longer do business with them and transferred the money back to my original account with another bank. At that time, I discovered that I was charged a FEE of {$3.00} to transfer MY MONEY ... which left me with a NEGATIVE balance. So I immediately transferred {$10.00} in to cover that. Which brought me to a {$7.00} balance. They will not allow me to close the account unless the balance is {$0.00} and they will only do transfers of a minimum of {$10.00}. Their nearest branch is over an hour away from my residence. As far as I'm concerned, they can keep the {$7.00}. I do not want to do business with them at all, ever again. Meanwhile ... I see now ... again, after the fact, that they will charge me a monthly service fee for this account. Something I was not aware of prior to opening the account. Again ... all I want is to close the account and be done with them and not have to drive two hours to do it. They can have the {$7.00}. Is that really all that unreasonable a request?
Product: Debt collection

Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021, a refund amount of {$260.00} from the XXXX of XXXX was declined by the bank because my card was turned off. I keep my card off due to fraud and leaks that have been taking place. I reached out to the bank to let them know this and they made things incredibly difficult. As soon as I saw the charge was declined by them, I called the bank and spoke with a rude representative who basically said I was at fault. I then sent member services a message asking for help and got the same reply. I want my money rightfully returned to me and then I'm closing the account. This bank has a history of making disputes difficult as though these are their funds.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX  that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3600.00} XXXXXX/XX/XXXXXXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

Inquires not authorized. 


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
Product: Credit reporting or other personal consumer reports

I made arrangements with creditor to pay a settlement to resolve that balance in the amount of {$1900.00} in XX/XX/2024. The amount was paid as agreed and was ded from my account prior to eom. It was told to be resolved on credit and was not. It was reported to XXXX as nit resolved.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I received a person-to-person payment on XX/XX/XXXX. The money was successfully credited to my account. 3 days later the bank blocked my account, deleted my email and I was only able to recover it once I contacted the bank. When I recover my account I see that the bank reversed the payment without my authorization or prior consultation. Now the bank, when I explained that that money belongs to me and I did not authorize them to take it or return it, told me that I could file a complaint but that the money was already returned even though they claim that XXXX transfers are not cancelable, however they withdrew XXXX my account without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took out a Private student loan with XXXX ( XXXX  XXXX XXXX ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a KIT ( keep in touch payment ) which was {$10.00} a month. As a XXXX  mother at that time, I was XXXX  and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( XXXX ). So although I had to call XXXX per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( XXXX ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the 7-year payment history and delete the account.

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a Single mother, I am ready to start new and really need this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
Product: Debt collection

The first week of XXXX I was checking my credit and I noticed a mark for collections from a said company called sunrise credit services. The company put this ugly mark on my credit stating I owe XXXX dollars. I immediately disputed the account with the credit bureau. The investigation was done and said the debt is valid. Im writing this complaint because my rights were violated I never received any notification via mail or phone prior to this derogatory mark being placed upon my credit. on XX/XX/XXXX I reached out to the agency requesting a debt validation letter and an itemized bill for the said debt. The woman whom I spoke with said the agency had been emailing an incorrect email address she took my actual email and assured me I would receive the letter via mail and email I have yet to receive an email with this debt.this company needs to be held liable for their negligence and REMOVE the mark they wrongfully placed on my credit you cant hold me responsible for a debt that I wasnt notified about and am also disputing nor can u put this kind of mark or someones credit without proper notification and communication Im also prepared to take legal action if this isnt corrected
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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
Product: Credit card

Wells fargo is a predatory bank. They have waged war on the poor. I am a struggling small business owner literally working myself to death to pay these pay bills. ( recent diagnosis of XXXX  from jobsite contaminates, XXXX, XXXX XXXX  and several other ailments my doctors are trying to figure out, not mention the various XXXX XXXX I suffer from that they have utterly failed to accomodate ) I have submitted several complaints in regards to there very personal retaliatory attacks on me. On several occasions they have cited computer failures making my payments late, can't find my account making my payments late, rude condensending employees making me so uncomfortable I have to leave the branch. Foreighn companies allowed to access my very personal information resulting in potential identy theft from known countries implementing active scams on the American people. All of these are tactics they discretely put in to place to charge absolute exhorbant late fees that make billions off the allready destitute and poor people. It's disgusting and it's a disgrace on the working class people who build this country and make it what is. With out people like me critical basic needs that move and drive this country wouldn't be met. Poor people can not pay there bills as is and sometimes we are late making payments trying to keep up with Inflation in one of the worst economies in history. This banks understands this more than they lead on and they capitalize on this oppurtunity in the form, not only fees, but crazy interst rates that keep us mired in debt. Iv enclosed screen shots of of my account and the payments iv made. They are at most maybe 2 or 3 days late. No grace period. No empathy, no nothing. Just a computer program that they balme for the immediate fees charged to my accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach that has resulted in unauthorized accounts and inquiries being reported under my name. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I formally request that the following accounts and inquiries be blocked and removed from my credit report immediately. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/year> - $ XXXX XXXX XXXX  XXXX  - XXXX - XX/XX/year> - $ XXXX XXXX  XXXX XXXX  XXXX  - XXXX - XX/XX/year> - $ XXXX Inquiries to Be Blocked and Deleted : XXXX  XXXX XXXX  XXXX  - XX/XX/year> XXXX/XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XXXX XXXX/XXXX  - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX  XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX  XXXX XXXX  XXXX  - XX/XX/year>
Product: Debt collection

Not sure what this derogatory mark on my credit repot but it only come up on XXXX XXXX XXXX. Please take a look at it I believe it is a mistake. Thank you
Product: Mortgage

As part of a divorce settlement, I signed a Special Warranty Deed, drawn up by my attorney. According to the State of Texas, I am no longer an owner of this property and not responsible for making payments. My ex-husband does not show enough income to re-finance the home in his name only, so my name is still on the mortgage documents with Wells Fargo. In XX/XX/XXXX and XX/XX/XXXX, the payments were made more than 30 days late. This is now reflected on my XXXX credit score. My score dropped for the high XXXX 's to XXXX due to the late payments and will remain so for seven years or longer. Due to the low credit score, I am unable to get a loan for anything, have been turned down when applying for an apartment lease, would not come close to qualifying for a loan for a home for myself and my XXXX children, and could be harmed when seeking new employment. I have, in essence, been held responsible for a debt I no longer owe according the the laws in Texas. I contacted the XXXX credit bureaus to dispute the derogatory comments on my reports.While they did not remove the items, it is listed as " disputed '' on each negative item. On XX/XX/XXXX I contacted Wells Fargo bank to explain the situation. While I am not expecting them to remove my name from the mortgage, I do expect them to report to the credit bureaus that I have made a formal complaint and remove the derogatory comments. Their reply was that they could not do anything help me. Their advice was to contact my attorney and force the sale of the home. I do not have the {$7500.00} deposit required to hire yet another attorney to force the sale of the home. The mortgage still has 15 years remaining until paid in full. This means that for the next 22 years my credit could reflect a negative comment every time the mortgage payment is not made on time. I am being punished for the bad acts of another with no chance of relief without spending thousands of dollars I do not have.