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

On the day of XX/XX/2023, I submitted claims out to XXXX, XXXX, and Equifax. Here is my tracking numbers : XXXX- XXXX, XXXX XXXX, Equifax- XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation
Product: Mortgage

We bought a house and closed escow on XXXX XXXX. The mortgagewas through Bank of America. Five months later, we paid off our mortgage ( XX/XX/2020 ). up to this day we have not received a lien release or reconveyance note. Last year I was dealing with XXXX treatments including XXXX, XXXX and XXXX and was not able to follow through this. Earlier this year, I contacted Bank of America and they said they will help but so far nothing has been resolved. Bank of America wanted me to submit a recorded copy of the deed of trust and mortgage. Strangely, there was no recorded copy of our mortgage and no deed of trust has been drawn. All we have is a recorded grant deed between the builder and us. I went to XXXX County recorder ; s office and there was no record of the deed of trust. I called them again just to make sure and there was no recorded deed of trust. I reached out to the title company and they have no copy of the recorded deed of trust. XXXX XXXX XXXX has reached out to Bank of America and the escrow officer said she talked to Bank of america and seems like nobody knows what to do. Finally today, I called Bank of America again to check on the status of my request. I asked tp speak to a supervisor to see if he can help me. He said he will just like the others. I am not sure how long this will take. Bank of America does not know how to do their job. I would like to file a complaint? Do I have a ground to sue them? This has caused so much of my time and so much anxiety and stress. If something happens, we can not sell our house bec we don't have paperwork that we own our house. Please advise. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. XXXX has not validated the alleged debt they are claiming under my name. I have sent XXXX debt validation letters on 3 different occasions to XXXX  different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from experian and 1 letter from XXXX ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the us postal service website showing they in fact received my 3rd letter and still have not replied let alone provide proof. XXXX received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the fdcpa and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and XXXX since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX  didn't when only one furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and XXXX is facing serious violations and so is experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Product: Credit card or prepaid card

Under the CARES ACT due to Covid 19 creditor must offer a financial payment plan if the account was current prior to Covid the company failed to do so I asked and was told that they didnt offer anything as a result of Covid lack of work and unwillingness from the creditor a late payment was reported impacting the livelihood of my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for a loan from a school that doesnt exist, nor did I ever attend. I have contacted the original creditors and the address they have on file was for a school thats not at the address given, I was told that the school was shut down for fraudulent activities by staff members. On my credit report the dates that the loan was taken out are constantly being changed also its saying I made payments last year when I never have made a payment.Also when I initially contacted the original creditors there were dates of XXXX and XXXX and that couldnt be me because I was incarcerated at that time. I have never attended and college or university but yet on my credit report there are numerous loans and this is keeping me from building my credit because now I cant receive any credit.The credit bureaus said there is nothing they can do but how can u verify a debt from a school that doesnt exist. Ive disputed the accounts numerous times over a period of years with no resolution. These accounts are making it hard for me to live a conducive life because everything we do is tied to credit and I can not receive any credit because of these accounts Im about to start a family and its making things even harder I have been disputing these accounts for years with no resolve. My name was also part of an Equifax breach of information. All student loans reflecting on my account are fraudulent ( XXXX XXXX, US DEPT OF EDUCATION ) I have submitted an FTC report to the credit bureaus and original creditors with no resolve from this issue, please help!!!
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 reporting

On  XXXX   XXXX ,  2017 th e IRS submitted a form  XXXX  withdrawing an IRS lien.   XXXX   immediately removed this lien from my credit report and my wife 's. I filed a dispute with Experian however their " investigation '' confirmed the lien was valid despite the fact that I submitted to them the IRS form  XXXX  and this form was recorded with the  XXXX  County  Recorder 's Office, th e very office they state they verified the validity of the lien with.
Product: Credit reporting or other personal consumer reports

There was an automobile purchased in my name using credit acceptance as there lender. When this was done it was done without my knowledge, nor my consent in XX/XX/XXXX. My credit report showed It being over XXXX currently. There are multiple inquiries on my credit report, adlease XXXX, which was done in XX/XX/XXXX and XX/XX/XXXX, that are not mine. When speaking to the creditors they provided me with the federal trade commission contact number and informed me that with my case this is the best thing to do for my situation. They said you would release the report to them in order for the creditors to proceed, move forward once you looked into things. They lead me to believe that after I made my complaint, you would send them a copy of the report. The federal trade commission referred me to the consumer finance. I do not drive and I informed this to the creditors and the credit acceptance lenders as well. I'm simply asking them to take the car out of my name as well as the {$20.00} balance, the funds there're saying I'm responsible for paying. I need the creditors to acknowledge their mistakes and clear my credit so that it will clear my name.
Product: Consumer Loan

I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.
Product: Credit reporting

I recently received a credit card From XXXX XXXX and the legal information on the back of the page with my card says that " Under Federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : ... '' Listed after this are the phone number a mailing address and a Website. I tried by phone and via the Website and I was unable to get a free credit report. 
The Website has a section entitled " Reason for Credit File Request '' of which none of the responses matches the exact nature of my inquiry and none that I tried because they are close, will produce a free credit report. In all cases, my only option is to pay for the report. 
I attempted by phone and after going through all of the prompts I was taken to a busy signal. 
If I am entitled to the report by federal law I believe they are violating that law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates mentioned I were late in making my payments were incorrect and unverifiable. I always paid on time .They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing. 


Please update the payment history immediately for the accuracy of my report.
Product: Checking or savings account

Kabbage closed my account but I still had {$300.00} in checking account funds. On XX/XX/2022, I reached out to Kabbage customer service to ask for my {$300.00} to be sent to me via check since I can't login/access the account to withdraw the funds because they closed my account. Subsequent follow-up calls and emails to their customer service email and they still are holding my {$300.00} balance hostage. I have tried many many times to call them between XXXX and XX/XX/2022 and they said they will open a ticket or send out the {$300.00} but I still haven't received a check in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX XXXX or transunion since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.
Product: Debt collection

I am writing to formally submit a complaint regarding our recent experience with Monterey Financial while disputing a claimed debt related to XXXX XXXX XXXX. Despite our attempts to resolve the matter directly with XXXX XXXX. They have refused to release the account back to the timeshare, which is making this matter more complicated. 
During our communication with their representative, he was mean, nasty, and disrespectful. We expressed that we were disputing XXXX XXXX XXXX  and that we would like to continue working with them directly. He says that wont happen unless XXXX wanted it to. 
We strongly believe that we should be allowed to void the transaction entirely and recover our funds. Our experience with their sales representative was troubling. She continued to serve us alcohol despite our refusals, leading to an inability to make sound decisions at the time of purchase. We woke up in a different hotel with no memory of agreeing to the transaction or signing any documents, including charging a down payment to our credit card. 
When we reached out to the representative, she asked how our hangovers. We asked to be let out of the contract and she said that our only option was to remain in the contract, warning us that terminating it could ruin our credit. We are unable to use the timeshare, it is a financial burden, and based on our unfortunate experience, we have no interest in utilizing it. The collections representative suggested that what happened to us was perfectly legal and proceeded to offer a settlement for a little over {$20000.00}. 
We need your assistance in getting our account transferred back to XXXX XXXX XXXX  so that we may find a resolution to this distressing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask all three credit bureaus XXXXExperian to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 1. XXXX XXXX XXXX. XXXX XXXX. TXXXXt 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXr 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the XXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Product: Checking or savings account

In XX/XX/XXXX I deposited a personal check into my account they say it was suppose to clear I called the bank to see how much longer the status would be ..they locked my account after the conversation and said it was due to potential fraud but no fraud was ever detected ..they sent me a letter saying its closed for no reason they just decided to end relationship ..they sent me a statement where they did a with drawl on XXXXXXXX XXXX and they kept XXXX of my money and is refusing to send me a check I have yet to receive my funds and no one is giving me a update
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear XXXX Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both TransUnion and XXXX. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$380.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in a XXXX request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations. 

Inaccuracies : Date opened High Credit Credit limit Last Reported Date Last Active Date of Last payment In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I paid off my loan on XX/XX/2024. As of today they keep on telling the Credit Bureaus that i have a balance. Ive call them like 5 times and sent numerous emails with no response.They are sending false information and im having issues with my mortgage closing.