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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

They contacted me in XXXX saying I owe this debt. Then they sent a letter. This is not correct. They posted to my credit report in XXXX yet didnt contact me till XXXX charging interest on an invalid debt. The original company received their money on XX/XX/2023 through certified mail with a cashiers check. I have asked for a purchase agreement, original contract, and debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries
Product: Credit reporting or other personal consumer reports

According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ).

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : 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  I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.
Product: Checking or savings account

Regions Bank ran a promotion last year to open a Business Checking Account and receive {$300.00} bonus. I opened an account in branch on XXXX XX/XX/XXXX for my sole proprietorship business. I received my Visa  CheckCard in the regular mail 11 days later. So, I began, in earnest using my card to achieve the required 10 transactions within the remaining 19 days after account opening. My first use was on XXXX XX/XX/XXXX and it posted XXXX XX/XX/XXXX. The next use was on XXXX XX/XX/XXXX but did not post until XXXX XX/XX/XXXX because merchant didn't charge until items shipped. Every transaction after this posted to the account within 2 days of the charge. Even charges on XXXX XXXX and XXXX XXXX ( during XXXX holidays! ) posted the next day ( not business day ). So, I had a reasonable expectation that my final transaction on XXXX XX/XX/XXXX would post within 2 days to meet the bonus requirements. I waited the required 120 days after the final transaction for the bonus to post. When it never did, I went to the branch to question why. Upon subsequent checking, the bank indicated that my account didn't have the bonus incentive attached to it. I had all the documentation to get that fixed and I waited. At no time was I ever told that they were going to deny me the bonus because the last transaction didn't post until after the initial 30 days had expired - something I had no control over, but the bank did. My expectation was 2 days to post based upon the previous 9 transactions. While I was waiting for my branch banker to find out what was happening with the bonus, I did not have the use of my funds without jeopardizing the potential bonus or paying a monthly fee. I had to keep the account open another 3 months just to be told XXXX XX/XX/XXXX that I was not getting the bonus. At no time prior to this was I ever advised that I wasn't getting the bonus. Seems pretty shoddy that a bank that wants me as a customer would not, in this case, overlook their failure to : 1 ) get me the Visa CheckCard within 5 days ( which is normal according to branch banker ) so I could start my transactions sooner, and 2 ) to post a final transaction to the account within the normal 2-day time frame and award the bonus, at least, as a goodwill gesture to keep a customer. 

In the promotional literature with the bonus advertising, Regions says their goal is to be my new bank and that once I experience their award-winning customer service, I will become a long-term customer. Ain't happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I lost my job and we were forced to do a XXXX on our home with XXXX XXXX. After we signed the paperwork, XXXX XXXX sold the mortgage to Selene Finance without taking possession of the property. 

Selene Finance immediately filed for foreclosure and we did a XXXX with them. By XX/XX/XXXX, the property had been transferred and the foreclosure dismissed. 

After that, Selene Finance falsely reported that we owned them {$33000.00} to the credit agencies. They knew this information was false when they reported it. 

This does not appear on any of our credit reports. It only appears on the credit reports that lenders receive. We have been denied credit twice because of it and are in the process of being denied a mortgage I contacted XXXX XXXX at Selene Finance, the manage who handled the XXXX who told me that the information was not correct and that we don't owe Selene Finance anything. He had me send an email to their Customer Support, which I did, to get documentation to that effect. 

I followed that up with a phone call to Selene Finance CS and they acknowledge that they got the email and that the information is false but refused to provide us any documentation showing that we don't owe Selene Finance anything. 

We are about to be denied credit for the third time because of Selene Finance. 

All because Selene Finance knowing reported false information to the credit bureaus - information that is not shown on our credit reports - but has made it so we can't get a loan for a house or anything else. 

Worse, they admit the information is false and are refusing to correct it.
Product: Mortgage

On multiple occasions  Carrington Mortgage Service ( Carrington MS ) called me and said my mortgage was past due when in fact my mortgage was current. Ive never missed a payment or even been one day late. About a year ago Carrington MS sent me a letter stating that my online payment was rejected and my mortgage was past due and my account had been blocked from making payment online until the issue was resolved. I called Carrington MS and after I told them the payment was deducted  from my bank account on the due date they said the letter must have been a mistake. In  XXXX  o f 2017 Carrington MS started of fering automatic payments. I signed up for automatic payments on  XXXX   XXXX ,  2017 . My fist automatic payment was scheduled to occur on  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,    2017 Carrington MS called m e and said my mortgage was past due. The customer service representative then told me they were having issues with the automatic payment system, but they failed to notify me they were having the problems.
Product: Credit reporting or other personal consumer reports

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.
Product: Mortgage

On XX/XX/2020 I signed a Loan Estimate with NVR Mortgage Finance for a 15 year mortgage at 2.5 %. On XX/XX/2020 I was sent paperwork to lock in at 2.65 % with no discussion on the large interest rate change. I questioned the increase and was told that the original Loan Estimate was not correct and NVR Mortgage said it was their secondary that made the mistake. I requested that this be escalated as I didnt think I should pay for an error made by NVR Mortgage or their secondary. NVR Mortgage refused and said I would have to pay 0.625 % points ( {$1800.00} ) to get the rate to the percentage they erroneously quoted me. In the interim, NVR Settlement sent me notification that I could not change my mortgage provider. I had no choice but to either pay the higher percentage or pay the points for the lower percentage. NVR Homes had given me an incentive of {$18000.00} to use their mortgage arm. So if I walked away I would risk not meeting my closing date of XX/XX/XXXX and I would no longer get the {$18000.00} incentive. NVR Mortgage actually eluded that the {$18000.00} would defray the {$1800.00} mistake and I would still be left with {$16000.00}.
Product: Credit card or prepaid card

The following are not authorized charged by PNC credit card and have been reported but not resolved yet. 
{$420.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX for the office visit of XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, PA XXXX
Product: Debt collection

I originally started disputing with this company on XX/XX/XXXX and it has been over 180 days since my first dispute and i have yet to receive any information that validates the alleged debt owed from the debt collector Northwest Financial Services. The debts date back to XXXX and i just now discovered them on my credit report. They sent me a letter on XX/XX/XXXX 90 days after my first dispute. i also did a XXXX complaint and then they finally responded with the attached letter saying that the debt is mine but they haven't validated any of the accounts. They have violated my rights to privacy, and They are still showing this alleged debt on my credit report, and causing me anxiety and stress.They don't seem to be taking me serious so i may have to envolk my rights to litigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

By law, I am supposed to be paid for everything that was erased from my credit report over the years, and I havent received not one payment. In the below video is what Im required to receive. 

Evidence : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 card or prepaid card

I am XXXX years old and had wonderful credit until JC Penney mixed up my account. I had a Penneys card since XXXX and had never missed a payment. They have ruined my credit ; I cant even get XXXX card. Here is the scenario ( backed up with the attached receipts ). 
I had XXXX balance in XX/XX/XXXX. I made a purchase in XX/XX/XXXX which I paid off at the end of the month. This is what I have done for 38 years. Unfortunately, either my husband or JC Penneys made the error of adding an extra number ( the number 1 at the end ) to my account. The result is that we paid on time ( you can see our bank withdrawal ) and I have NO IDEA WHERE THE MONEY WENT. 
Please help me. Penneys wont talk to me at all. Synchrony bank will not listen about what happened. They want me to pay them over {$400.00} and you will see that JC PENNEYS OWES ME MONEY ; I DO NOT OWE THEM MONEY. I paid the balance but since the money went to the wrong account at Penneys, they say we did not pay. You will see from our bank statements that we did pay the full amount. They continued to add charges as if I had an unpaid balance for many months. 
Please, Please help me. You are my last hope. My son, my husband and myself have all called them and they kept telling us they would correct it but they did not. Now they have turned it over to a collection agency and JC Penneys will not take any of my calls. Please, Please help!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, this states I have the right to privacy. Under 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish account without written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose. Under 15 USC 1681A titled Definitions Rules of Construction : paragraph 2 titled Exclusions and sub paragraph subsection I, states that transactions are not included in the consumer report. Please update all payments to XXXX
Product: Credit reporting or other personal consumer reports

I noticed two accounts incorrectly reported on my credit file : LOQBOX Finance LLC ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) These accounts are not mine, and I have no affiliation with them. I believe this is a case of either incorrect reporting or identity theft. 

I have contacted XXXX to request the immediate removal of these accounts, but they remain on my credit report, negatively impacting my creditworthiness. 

I am submitting this complaint to request the CFPB 's assistance in resolving this matter and ensuring these inaccuracies are corrected promptly. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX, XXXX, and Experian Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Experian, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : 1. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX XXXX XXXX and Experian. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

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

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Mortgage

Quicken loan and fraudulent claims to get you to refinance with them. This is a VA loan, my husband served his country for 20 years to be taken advantage of and lied to so someone could make a few dollars. The lending agent from Quicken loans specifically told us our payments would be applied to our loan every two weeks as paid and not held in suspense. Once the loan was cleared we became aware of the fact that the funds that are automatically taken out of our account were indeed held in suspense until the full monthly payment is collected, plus an extra XXXX a month and then all of the funds are held until the date the payment is due. The loan we had previously was done the same way and we were emphatic about my payments being applied every two weeks. The end result is we paid XXXX in closing fees to get exactly the same thing I had before. They are auto deducting my payments every 14 days and holding them until the until the due date so we are not getting credit on the interest for paying every two weeks, nor for paying early, nor for paying extra monthly. I was directly mislead on how my funds would be credited in order to claim XXXX + in closing fees. When I complained to QL I was told that they have retrained their lenders to not tell people this but they were unable to do anything for us. We requested that they refund the fees they charged to gain my business by lying to us and we were told that was not their problem and they could not refund any money. 
XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

I moved out of an apartment building in XXXX of 2021. My last communication with them was an inquiry about when I will find out if there are damages to the apartment that I am responsible for. I never heard from them again. I still to this day have received XXXX contact or notice of a debt. The only reason I know about it is because it showed up on my credit report that I was sent to collections. No one has contacted me, prior to getting sent to collections or after.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.
Product: Credit card or prepaid card

Cit-bank XXXX  Card I paid off this credit card in full. The next billing cycle I receive a statement bill interest after payment was made in full on XXXX. The interest charge was on XXXX. When I spent one hour on the phone I was told that it was interest from last month that ran from XXXX until XXXX. So right off the dates according to the phone operator XXXX and her supervisor XXXX I owed the interest. The dates I am not sure why this was not included in the total balance that I paid off here in question but also getting charged 4 days longer for this interest. I felt this interest was unfairly charged to me. I have paid the interest but I feel that I should not owe this amount. The introductory rate expired on the XXXX so I was hit with a 15.99 % daily from XXXX until XXXX. I thought paying off the entire balance before the end of the billing cycle send would not cause charges these fees nor was I notified with any truth and lending act that the rate was expired or going to change.
Product: Debt collection

Sent to XXXX XXXX XXXX first as they were collecting on the account. They never responded and its been over 30 days. I reached out to XXXX XXXX group and they informed me they are not handling this account anymore.
Product: Money transfer, virtual currency, or money service

I requested a cashier 's check for $ XXXX on XX/XX/XXXX. 

BBVA 's bank, Simple, removed those funds from my account on XX/XX/XXXX. 

Simple can not find the check and will not cancel the check, which means I'm out $ XXXX. 

I spoke with Simple 's customer service today, on XX/XX/XXXX. They said that the problem was that XXXX has weather delays at the headquarters of their partner bank, BBVA. This is a verifiable lie ; XXXX publishes their service delays, and there are no delays in the area that Simple/BBVA is claiming.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX {$330.00} and {$140.00} Currently Disputing