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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX* Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

XXXX XXXX sent to collections {$680.00}, now XXXX XXXX  XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered
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  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 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 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: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. 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 re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : AgencyXXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Debt collection

In XX/XX/2016 I had already disputed this company ( Phoenix Financial ) regarding the fact the debt wasnt mine. They had 30 days to show  proof and failed to do so resulting in this collection legally being removed. Here recently I got a credit report and Phoenix Financial ILLEGALLY reported this account AGAIN. This FALSE collection was already  deleted and I want them to abide by the law and disappear for good.
Product: Debt collection

I was not given any notice prior to Webber Oclese seizing {$1800.00} from my bank account on XXXX. They admitted to not having my contact info?
Product: Payday loan, title loan, or personal loan

I had submitted Complaint Id XXXX and the response offer from wells fargo was if i paod {$990.00} by XX/XX/2023. All interest charged would be waived. I paid the required amount online and interest of more than {$1500.00} has not been waived. I have attempted to talk to the escalation person who sent offer and left multiple messages but no response or call back
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 Transunion has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have no only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them.

This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now.

The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and stop violating my consumer rights : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX Remove the addresses associated with these accounts Immediately!!! 

ACCOUNT NAME/ACCOUNT # 1 ) XXXX XXXX 2 ) CT CHILD SPY XXXX 3 ) XXXX  XXXX XXXX
Product: Checking or savings account

I deposited a check into Truist Bank on XX/XX/XXXX. It was my first deposit into the account, so Truist Bank flagged my account and recommended it to be closed. The check is from the XXXX of XXXX XXXX  which is a government agency. I received a refund for a registration payment that I had made to them and they gave me a refund in the form of a check. And I deposited it into Truist bank. 
Truist made me go back to the XXXX after posting the funds ( cashing check ) and made me get a letter from XXXX acknowledging the check. Which was a headache because the XXXX is a government office, this could have took months to get but thank god I got it from the lady at the XXXX office. Then they made me go get a lease from the address of my business thats registered as LLC. And I provided my LLC articles and XXXX documents from the IRS. I had to submit these documents 4 days in a row before they received the upload. Which they did receive them they just never updated my case. So today is XX/XX/XXXX and they have still not release my funds or unblock my account or gave me an update on my business funds. This has disrupted my business because that money was for my registration of my diesel and as of today we will loose insurance because of that requirement to have that. And its all Because we trusted Truist to see our legitimacy and they didnt. The check has been held over XXXX business days and XXXX cant cash it anywhere else because they have already cashed it. They dont tell me no timeframe all they say to me on the phone is that they will get to it or I dont work in that department. All this bank do is lie to the customers and find ways to place your money on hold. I shouldnt still be waiting on anything, the check I deposited is legit and has already been cashed by Truist and they are just holding my money just to encourage they own banking practices. I was talked very bad too about how I need to just wait but its been almost a full month!
Product: Credit card

I called Bank of America about a pre-paid credit card they put a late payment on my report, but when I called them they said they never put a late payment and said that the account is in good standing, and that must have been a mistake.
Product: Bank account or service

I bank with Citibank. 
On XXXX/XXXX/15 my balance was {$8.00}. 
On XXXX/XXXX/15 Citibank charged a monthly banking service fee of {$12.00}, which made my account overdrawn. 
On XXXX/XXXX/15 Citibank charged me a {$34.00} overdraft fee, because of the Citibank service fee charged to my account overdrawing the account. 

Is this legal? 

Below is the end of my live chat conversation with Citibank? 
Is what they are saying true? 


XXXX : at XXXX, please repeat the stance of Citibank when it comes to Citibank service fees overdrawing an accountNoble : at XXXXXXXXWhenever an account is overdrawn, account will be charged with the Overdraft fee of {$34.00} on the next business day. You can avoid the overdraft fee of {$34.00} by enrolling into our Overdraft protection. 
XXXX : at XXXXXXXXAnd that will also occur when a customer has a positive checking account balance, and then a Citibank service fee is charged that makes the account become overdrawn? 
XXXX : at XXXXXXXXYes, Overdraft fee will also occur when the account is overdrawn due to service fee.
Product: Money transfer, virtual currency, or money service

I was victim of a XXXX support scam. They pretended to be IT/troubleshooting support and put me through this elaborate plan. The scammers convinced me that my account was restricted because there was a cyber security breach with my phone data and digital wallet. This was a lie and they used remote access to make me send money through CashApp to secure my account. There was never any data breach and my XXXX account wasnt actually being used. I alerted my bank immediately after but CashApp insists this was not a scam or fraud because my phone was accessed remotely
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the equifax data breach.
Product: Credit reporting or other personal consumer reports

I have called XXXX, my loan servicer, on 3 separate occasions after my loans were paid in full on XX/XX/23. I reached out to ask when the loans will be removed from my credit report. The representatives I spoke with all said they would call me back in a week after gathering more information however, I never received a call. 

I have been on hold for almost 4 hours with the loan servicer two out of three times. 

My credit score has taken a XXXX point hit since working with this loan servicer and has caused distress and confusion as payments on their website are not up to date. 

Please assist me with collecting an accurate timeline for when my loans, which have been paid in full since early XXXX, will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Separated husband has my social security number and has been using XXXX to stalk me. Now XXXX XXXX is showing up on my credit report. XXXX XXXX has stolen my identity.
Product: Debt collection

I XXXX XXXX XXXX have been dealing with CMRE Financial Services for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, CMRE has infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to CMRE that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

You will also notice in the screen shots i have submitted from my XXXX Report that CMRE has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.

THE PICTURES I HAVE UPLOADED HAVE ALL THE INFORMATION YOU WILL NEED TO HELP ME PUT WITH THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}
Product: Mortgage

This is not a complaint per-se. This new case is submitted merely out of our need to have this matter mediated / witnessed by a third party ; based on previous interactions with Ocwen. 

We see that the latest notification letter received, dated XXXX XXXX, 2016, attached to the current agreement for the short sale, gives 14 days from its date of drafting for homeowners to apply for the HAMP in lieu of finalizing settlement on the buyer 's purchase. We foresee being able to assume the HAMP loan in the very near future, after we are placed in the jobs we now seek, with the provision of the payments not being substantially more than what they were quoted to be in the XXXX XXXX, 2016 offer. 

Though our MD HOPE Program attorney, XXXX XXXX XXXX of XXXX, XXXX and XXXX XXXX, has been absent from work for a few days because of some pressing concerns of his own ; he is still very much in charge of our dealings. However, we are launching the request to cancel our short sale through this venue and the other corresponding method in the interest of time. He will resume administrating our affairs shortly, and again ; all correspondence from Ocwen and its associates must pass to us THROUGH XXXX XXXX. 

If we have signed something which binds us to the settlement we will call on the fact that we are still within the 14 allotted days for changing our course. The ultimate objective of this arrangement ( which is under the auspices of the HAMP / HARP program ) is to help the homeowner keep home ownership if at all possible. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I had a notification I had a hard pull on my credit report by Capital One Bank. I did not ever requested or open anything with Capital One. Called the company and they said no idea but to contact the credit bureaus which I have done. I found out that the culprit used a fake address and phone number. I need help please. Thank you.
Product: Credit card

I have been a credit card member from citi bank since 2011, over the past 6 months I have had issues dealing with the company after my card expired and it seemed impossible to get a new valid card. About 4 months ago I decided to not worrie about the card because I no longer wanted to use it anyway to reduce any extra dealings with the company. My account stayed open and I continued to make payments. Now 2 months ago I can not view my account ballance or make a payment online because the card number associated to the account is n't valid ( nor has been prior ) so I was cut off from accessing my account. I called the company and was told a new card was being issued and after being hassled and having to give my SS # as the only way to access my account over the phone they agreed to take payment over the phone. When doing so I made confirmed my mailing address to receive the card. This months payment rolls around, still no card, still no access to account information. I call again tell them the issue talk to a " specialist '' who reviews my account apologizes for the problem and states a new card will be arriving in 7-14 days. 
This morning I check my email and il there is a message from citi denying me a valid card for the account. I could care less for the new card however in doing so they are still cutting me off from making payments online or even access to account info. This company is setting people up for failure and profiting from it.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 card or prepaid card

BANK OF AMERICA XXXX XXXX XXXX XXXX IS NOT AUTHORIZING ME TO BEING REIMBURSED FOR SERVICES WERE NOT RECIEVED. PROBLEMS COMMUNICATING WITH ME AND OR RESOLVING MY ISSUES. PAY DATES AND AMOUNTS ARE INCORRECT
Product: Mortgage

My husband ( BORROWER ) of a XXXX loan now deceased. I, the Non-Borrowing Spouse while in the mist of complying with ML XXXX learned TODAY XXXX/XXXX/2015 that the program as been rescinded. Ironically, today XXXX/XXXX/2015 was my deadline given to submit monies to comply with HUD 's Principal Limit Test. I called in this morning to get how to submit instructions and/or extension request. I was told that the program had be scraped by HUD and the server was not going to honor or offer the program to me. Devastating news to me for I stood ready to fulfill the outstanding requirements. So XXXX now I feel victimized of my rights as a XXXX, let alone the devastation of losing my husband I have to add these additional disappointments and agony. ML XXXX was rescinded with XXXX. This complaint goes out to HUD for their indecisiveness and wearing XXXX faces. HUD created the problem I am now faced with ( foreclosure ) while insisting that the lender proceed in foreclosing and creating my displacement all to satisfy the conditions for paying insurance claims. These foreclosures are illegal under federal law and I PROTEST. HUD need to be held accountable because I was removed from title to my home at the onset of the XXXX now I 'm being punished. I am being VICTIMIZED!!! Please advise!!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting student loans that were transferred to XXXX on my Experian credit report. I disputed with Experian and they say XXXX says it is valid. Which I have emails that prove otherwise.
Product: Mortgage

I requested a payoff quote in writing from my mortgage company called Mr. Cooper. They sent it. I paid the exact amount they requested {$8300.00} using the same payment method I have used for the last 30 years. 

They refuse to post the payment. I keep getting collection calls from them asking for payment. Every person who calls me says they can see my payoff but they say its not posted. Its just held. They say I need to prove I sent it. I said, I can see it online. They agree but will not post it because I didnt mail it as a cashiers check. 

They also refuse to refund {$8300.00} payment I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus : XXXX, XXXX, & Experian are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX 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 .... Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. As I checked my credit record, I just discovered a billing problem. U.S. Code 1666 defines billing errors as any mathematical or other accounting errors on a statement, as well as the creditor 's failure to appropriately record a statement, a payment received by the debtor, or a credit line extended to the debtor ( b ). I believe there shouldn't be any late payments on these accounts because the creditor did not send me a statement 21 days earlier. This is a list of the accounts that are under dispute : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}