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

On XX/XX/22 I contacted XXXX, XXXX, And Experian Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX  XXXX and equifax has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my XXXX  account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  Lexis Nexis responded to my dispute stating the public record was reported accurate. This company did not provide me any verification. This company lied and say they did a verification when they really didn't. They are just using a public system that has no validation or verification. This company does not have my permissible purpose. I KNOW MY RIGHTS AS A CONSUMER. I know that my consumer reports must be accurate and fair. By reporting this unauthorized account to my consumer report, your company is in violation of the PRIVACY ACT OF 1974 and many other violations, and you are subject to be fined. USCODE-2018-title5-partI-chap5-subchapIIsec552XXXX ( govinfo.gov ) In reference to 15 USC 1681B2 Your company has no permissible purpose to report this information on my consumer report. 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relate. 
THIS IS THE LAW AND I KNOW MY RIGHTS AS A CONSUMER. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. You are hereby put on notice that you are providing inaccurate information. I even attached letters from the US BANKRUPTCY COURT and PACER providing proof that they do not supply any information to LEXIS NEXIS or any other Credit Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX AND EXPERIAN, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND EXPERIAN STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.
Product: Mortgage

We began the process to build a new home and through our construction loan company 's ( XXXX XXXX Bank ) suggestion we applied for a Home Equity Line of Credit through Huntington Bank in the amount of XXXX. When we talked to the loan officer at  Huntington Bank ( XXXX XXXX XXXX ), he explained that the interest rate was 4.99 % and they were running a promotion for this type of loan that would lock in the rate of 4.99 %. I confirmed this fact via email and he replied that i was correct ( I have the email if you need it ). We closed on this loan on XX/XX/2018 and at no time during the closing did XXXX make the statement that we had to take an immediate withdrawal from the loan to lock it in. This is an interest only loan and he knew it would be closed within 6 months. We had this set to use as our down payment on the construction loan. On XX/XX/2018, we made a withdrawal of XXXX. Our first interest only payment was due the following month. XXXX 's payment was {$230.00}, XXXX 's payment was XXXX XXXX 's payment was XXXX, XXXX 's payment was XXXX, and XXXX payment is XXXX. We noticed the difference in payments when we received the 2nd invoice. We also noticed the interest rate was NOT locked at 4.99 % but the loan had been changed to a revolving line variable rate loan which the interest rate is now over 7 %. We in no way would have ever agreed to this type of loan. We contacted Huntington about this and brought this to the attention of XXXX XXXX. After a few days he responded saying that we were correct about the 4.99 % fixed rate and that he went to his superiors and they were unwilling to do anything about it. He then suggested that we contact XXXX XXXX which we did. She said that she would look into this and get this resolved. XXXX XXXX referred us to XXXX XXXX which we called and left him a voicemail. We have spoken with him a couple of times about this. Each time he told us he was working on it and would get it resolved. On XX/XX/2018, we received an email apologizing for not reaching out to us sooner. He asked that we call him as soon as possible which we did. On XX/XX/2018, he acknowledged that he still needs to get this resolved. He said he would get the approval by end of business on XX/XX/2018 and will call us as soon as it is resolved. We have heard nothing from him since the XX/XX/2018 email. We have attempted to contact him several times via email ( XX/XX/18, XX/XX/18 and XX/XX/2018 ), he has not responded to us since XX/XX/18. We feel that Huntington bank is avoiding us regarding this issue and is not willing to abide by the contract that we signed in good faith at 4.99 %. We also feel that we have been a victim of " bait and switch ''. 
Please help us with this matter. 

Contact info for the people we mentioned at Huntington Bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have all of the emails if you need them. 

Looking forward to your response. Thank you in advance. 
XXXX and XXXX XXXX XXXX 's cell XXXX XXXX 's cell XXXX email address XXXX XXXX
Product: Debt collection

XX/XX/2016 {$5400.00} ask the company to Delete but the debt Remained
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Checking or savings account

I am writing to request a investigation of the following accounts showing on my Chex Systems consumer report that I have never opened or used XXXX XXXX XXXX : [ XXXX XXXX XXXX # XXXX ] XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fed loan servicing reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been deleted from XXXX but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.

Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter toTransUnion, XXXX  and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My old apartment complex XXXX XXXX XXXX prematurely sent my account to collections prior to finalizing their account statements in XXXX. I recieved a collection letter on XX/XX/2022 and this collection was reported on my credit report soon after. 

On XXXX XXXX, 2022, I recieved a final account statement from XXXX XXXX XXXX indicating that I hada XXXX balance with them, after they went through all of my deposits and credits to the account. 

The damage was already made to my consumer report months proir and it cause my credit rating to drop dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 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 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, credit repair services, or other personal consumer reports

XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with transunion and XXXX. XXXX and Transunion are great companies this is the first time I have had issues with my credit report involving removing items. XXXX  and Transunion are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Accounts that are being challenged DOE XXXX - XXXX XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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 : 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  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: Checking or savings account

1. I opened a Netspend debit card in XX/XX/XXXX. My husband and have a XXXX XXXX  joint account and I funded the debit card with our XXXX XXXX  debit card in four different amount of {$100.00}, {$300.00}, {$700.00}, and {$1000.00}, totally {$2100.00}. 

2. OnXXXX, we called Netspend debit card to close the account. The Netspend told us we would received the refund check in 3 weeks. 

3. On XX/XX/XXXX, we didn't receive the check and call Netspend. Netspend said we had to provide 2 photo IDs and 1 prove of residency to get the refund. 

4. We submitted the needed document to Netspend on XX/XX/XXXX. 

5. OnXXXX, We received a check dated XX/XX/XXXX from Netspend in the amount of {$120.00} for the earned interest but didn't receive the initial deposited {$2100.00}. 

6. On XX/XX/XXXX, we called Netspend and they said the money was sent to our XXXX XXXX. They also provided four 12-digit confirmation numbers. We contacted XXXX XXXX in person. The XXXX banker and debit card department said they didn't receive the money. 

7. On XX/XX/XXXX, we called Netspend again and they said they already mailed a refund check and we should receive it byXXXX. 

8. On XX/XX/XXXX, we still didn't receive the check and we called Netspend again. This time, they gave another four 10-digit confirmation numbers saying the money was sent to our XXXX XXXX  . 

9. on XX/XX/XXXX, we contacted the XXXX  XXXX  in person again. The XXXX  banker and debit card department researched again and told us they didn't receive the money and they were no attempts to send the money to our XXXX XXXX  debit card account. 

10. In summary, we closed our Netspend debit card but didn't received the {$2100.00}. The Netspend told us different stories every time, either they sent the money back to our bank or sent us a check but we have never received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com and Experian XXXX XXXX are not collecting credit data they say because I don't have a premium account with them and it is affecting how others see my credit worthiness. Also, am a XXXX  citizen and a XXXX veteran as well as a victim of a breach with both XXXX and XXXX. 

I have attached a recent email communication from Experian XXXX XXXX in XX/XX/XXXX advising me that, " Everything looks good '' as they are required to monitor my information for Identity Theft. 

I notified Experian and have attached their reason via email for not monitoring, XXXX XXXX in email from Experian stated that " they have not been monitoring my credit because I cancelled my Premium account with them in XX/XX/XXXX. ''
Product: Mortgage

We recently refinanced with Stearns Lending. We went paperless with the company and signed up for auto-payment on our monthly mortgage. 

Today we checked if the payment went through and nothing has been deducted from our bank account. ( it should have been paid on XX/XX/2021 via autodraft ) See attached screenshot from the bottom of our XXXX statement acknowledging that an autodraft will occur. 

We've tried to manually pay on their website but there is no option to pay. We've been on hold for 3 hours with no answer. The phone line does not go to a live agent. I don't see any email address, but I was able to submit a message via their website. I've also messaged their XXXX and XXXX page. No response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumer rights have been violated.