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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Product: Credit reporting or other personal consumer reports

Still lying is more like it EXPERIAN WORKS ON NOTHING BUT STALLING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.
Product: Debt collection

I have attempted multiple times over the last several years to contact this creditor to settle debt and remove from my credit profile but i have been unable to receive any responses from mail email or any other source of communication medium. 

prior to their communication going dead i received multiple threatening calls to have me arrested and put in jail and after i was attempting to develop a re-payment strategy this company become difficult and impossible to contact.
Product: Credit card

To whom it may concern, I recently disputed late fees off my credit report of the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX However, my dispute was denied. Your company is in clear violation of the law under 15 USC 1681b permissible purpose of consumer reports. LAW CLEARLY STATES. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish late payments on my credit report? Fair credit reporting Act 15USC 1681 ( 2 ) ( a ) ( I ) exclusions : except as a provided in paragraph ( 3 ) the term " consumer report '' DOES NOT INCLUDE ( a ) subject 1681s-3 of this title any ( i ) report containing information solely as to transaction or experience between the consumer and the person ( Commenity Bank ) making the report : Delete the above late payments from my consumer report, this company is in violation of 15 USC 1681 ( i ).

I have also reached out to them as it has been noted in their system that I should have been taken off the hardship program since XX/XX/XXXX. They have been giving me a lot of excuses as to why they have failed to remove me from the program. I have been going back and forth and nothing has been resolved. I was never notified that i was still enrolled or unenrolled out of the program. Never received any documentation. I also requested and the representative refused to send me a copy.
Product: Debt collection

This company decided to text me instead of calling me or sending me a letter about a debt which I know is violating federal rights. They also did not provide any proof at all that it is mine. They sent me notification from an unmentioned number so they KNOW they are violating a person 's rights because they don't want responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXX  account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

On or around the XXXX of XX/XX/year>, I made two debit card payments to navy federal credit union for a past due vehicle loan payment and debt consolidation loan. One for {$1600.00} and the other for {$510.00}. This was done over the phone because it was late at night. They told me I could use my debit card to pay the past due balance so I did. I called today on the XXXX of XX/XX/year> to have the charges reversed because I didn't think I needed to pay that much. The lady on the other end was rude, telling me I never paid with my debit card and that they don't take debit card payments for loan payments. I informed her that I did indeed use it to pay and that they said I could. She kept fussing and saying it was an XXXX transaction from my XXXX XXXX XXXX XXXX checking account which is false. Now Im stuck and can't get my money back. I am a XXXX veteran and I need my money.
Product: Mortgage

On XX/XX/XXXX my father in law passed away, leaving his home to his daughter, my wife, XXXX XXXX XXXX. we have been working with our attorney, estate attorney, about giving the house back to the lender, Select Portfolio Services, which was serviced by XXXX XXXX XXXX, XXXX, with no results. 

as of XX/XX/XXXX there has been no filing of public record, as far as foreclosure, since the mortgage hasnt been paid since the death of XXXX XXXX, father in law. 

We ( XXXX and myself ) went to the property, yesterday, XX/XX/XXXX to finish clearing out the property and cut the yard and noticed the locks had been changed and a lock box placed on the front door with a notice from XXXX XXXX, stating the lender had requested them to secure the property. 
after obtaining entry to the property, we also noticed personal belongings had been removed from the property and the property had been " trashed '' inside, as if who changed the locks had been looking for valuables. 
we contacted the XXXX XXXX police, in which they filed a criminal complaint for Breaking and entering. when XXXX XXXX was notified, all they would say is the lender ( Select Portfolio Services ) had given them authorization to enter the property and secure the property. 

this is a violation of our rights, seeing the lender has not filed any type of foreclosure paperwork. 

we are requesting the CFPB get involved so this will not occur again.
Product: Mortgage

I have a forebarance for the months of XXXX, XXXX and XXXX but my loan servicer still put through a {$510.00} payment which caused our checking account to become negative in the amount of {$650.00} including overdraft fees, the put it thru on XXXX the XXXX and it is now XX/XX/XXXX, I have asked them to put the payment of {$510.00} back into the checking account but they have not up unto to his point!! Please help me resoulve this problem. My phone number is XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/23 : Two fraudulent Zelle payments to XXXX XXXX of {$400.00} and {$110.00}
Product: Mortgage

I refinanced my mortgage with Loan Depot XXXX My previous Company was XXXX XXXX. ( Customer Service : XXXX ) XXXX XXXX ( aka Loan Care, LLC ) was requested not to pay my XXXX tax bill but they did. Both companies sent a check to the Town of XXXX for {$4600.00}, Loan Depots check was cashed and used to pay my tax bill. XXXX XXXX was supposed to refund me the money since they did not pay my taxes. I contacted them several times, sent proof from the Town of XXXX that my taxes where paid in full by the other company on XX/XX/19 and was told i would be issued a refund as soon as they got the money back from there 3rd party company. I have received 7 identical emails weekly from there escalation department that all say in 3 days we will contact you with a resolution. I just spoke with them again and for the 1st time was told they are waiting for the Town to mail back the check? I asked for a supervisor and i was disconnected. 
They have my contact info and no one has called me back. I do not believe XXXX XXXX has any intentions of refunding my tax money, i refinanced because as soon as they bought my mortgage from my previous lender there was an " escrow shortage '' that they could not explain and later refunded and I do not trust the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts 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 ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Product: Credit card

On XX/XX/2024 at XXXX XXXX and again at XXXX XXXX I got an email stating that a request to recover my capital one username was made. I did not make this request, and called capital one to report the fraud. Today, XX/XX/2024 capital one called me to ask if I submitted an application for another credit card. I informed them that I did not make this request and that this is fraud. They stated that they would cancel the application and flag it as fraud, and that I should file a report with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax, XXXX, and XXXX  a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. Equifax, XXXX, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Original Creditor : ) Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if 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 has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX and XXXX XXXX has been disputed on XXXX and deleted but they are still on my XXXX and Transunion and the need to be removed for inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor. I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile. They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file. Thank you for your cooperation.
Product: Debt collection

This is a formal notice to the consumer financial protection bureau requesting that Bridecrest provides an explanation of how I can exercise the nondisclosure option of sharing nonpublic personal information with a nonaffiliated third party
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX  of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned Above have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/24 or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX  WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
Product: Credit card

Sears Visa Credit Card charged me XXXX indicating that I did not pay my bill for the month of XXXX 2015
Product: Debt collection

XX/XX/2023 of {$180.00} & XX/XX/2023 of {$940.00}. This has been very stressful for me trying to clear these debts off my credit as I am in the process of moving and this is affecting my livelihood.
Product: Debt collection

I rented a car from XXXX. I did not inspect the vehicle because I picked it up late at night in a rainstorm. When I returned the car the following afternoon the attendant asked me how I damaged the front corner panel. I was shocked. I had not damaged the car in anyway. I filled out a statement with Budget that stated i did not inspect the vehicle and I had no idea how the damage occurred or even if it was while I had the car. This was XXXX XXXX. Today, I get a call and a letter in the mail from XXXX XXXX XXXX. The letter has no information on the car, the damage, even the rental date - nothing. It is just a bill for {$470.00}. I called Viking Services and asked for an itemized statement of damage and repairs. I also asked how to dispute the charges. They told me they would send me info on XXXX but have not responded. I told the representative I spoke with i would wait on the line while she collected the info but she said it was a long process. Really? If they want money from me should n't they have all the documentation readily available to them?
Product: Prepaid card

I received an email that a peer transfer was completed in the amount of {$770.00}. I immediately called the bank and told them that it wasnt me that completed the transaction. They told me they dont have the ability to offer me a credit for what happened for XXXX days once the investigation is over. They also couldnt complete the dispute process because they said it didnt show up in their tool so I would have to be called to complete the dispute. They locked my account, and I have no access to my funds and only communicate through mail. I spoke to multiple people and hung up on and was finally able to get transferred to a supervisor who also says i cant get any money until the investigation is over which can take XXXX days which is against my rights.
Product: Debt collection

Applied for an apartment through XXXX apartments in XX/XX/year>. I paid an {$85.00} application fee and {$350.00} administration fee. After many issues with the offic prior to move in, I requested a refund. I was granted a refund and told I'd receive a check in the mail. I never received a check so I filed a claim with my bank. When XXXX told me they sent the check out, I canceled the claim with my bank. I then received an email from XXXX XXXX saying she canceled the check because od my claim. I told her i canceled the claim. I submitted it because I had not received a check for my refund. Because of this, she submitted to collections that I owed this money ( even though it was granted a refund ). I still have all emails about this issue and can forward them. XXXX XXXX now works at XXXX XXXX and manages this. This matter is illegal and she should not be managing financial accounts while reporting incorrect debt to collections. The collections agency is Hunter Warfield.