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

The following inquiries are unauthorized or inaccurate, and l ask that you delete them please and thank, Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.
Product: Money transfer, virtual currency, or money service

I had been using Venmo for several months and then all of the sudden, my account was frozen. Evidently someone else had been using my Venmo account, but Venmo never told me. I have requested repeatedly that they close my account. I want it closed. They won't close it. I don't know how to get them to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to add this positive account myself for 2 years with no help on my own, several overnight envelopes sent to 3 credit bureaus with no luck just money wasted and i asked the company to report for me and they wont report the information that i paid my car off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite the multiple previous written requests, the unverified these item 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 this item is being reported correctly? Who verified this account? 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 account 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 THIS ACCOUNT? 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 delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

In XX/XX/2021 XXXX/XXXX  's sent me a 1099C deeming the account settled in full, I have made several attempts since XX/XX/2021 to settle and pay this account. XXXX XXXX has continued to refuse my payments, the balance on this account must be brought to a XXXX  balance. A 1099C satisfies this debt and must be reported accordingly. I have started disputes with XXXX XXXX, Experian, XXXX  separately and to no avail. XXXX  is the only bureau to report this correctly after the dispute. Experian, XXXX and XXXX are still reporting the account to be {$7300.00} past due in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Ive resent my previous letter informing this company I received a copy of my credit report, and noticed some late payments that still needed to be corrected. I was never late and they failed to provide documents that proved that I was late. 
Clearly, prohibition means something that is not allowed. This law says a person ( this company ) 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. 
Lets look at has reasonable cause to believe that the information is inaccurate.

I CLEARLY showed them in my previous letter that they have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that they've violated, therefore the information being inaccurate! This is a violation of 15 US Code 1681s-2. 
The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave this organization permission to report my information. This is a violation of 15 US Code 1681a ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my employment information deleted. I did not give permission for any of my employment information to be provided. I also want all addresses that I DO NOT live at deleted.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies my finacial institution and Zelle failed to investigate my claims. The CFPB findings indicates that Zelle neglected to protect customers
Product: Debt collection

I went to apply at an apartment complex 1.5 months ago and they made a mistake and stated this debt XXXX from another apartment complex ( which I never owed anyway ) was still on my credit as unpaid ... later I looked at the credit report copy she gave me about 3 weeks later and it stated it was discharged in the bankruptcy and my father already paid this debt. And NCC lied and stated it was not included in the BK and I know they were notified last XXXX 2015 that it was, I wrote them 15x and the manager said he would refund my fathers card and he never did. I have proof of all documentation and even the credit report ....
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting a credit report - is very difficult if you live overseas- could be impossible.Equifax sent me a letter stating their requirements for a credit report at my XXXX  address.  I submitted 7 items to them: 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX front and back 4. Electric bill 5. 1099 from my pension company. 6. IRS letter with my name social security number on the from of the letter.  7. My social Security card. All were clearly readable by them.I was rejected by 4 customer service people!  One told me to resubmit all my data again and try again.  All told me - "We don't send credit reports overseas".  Why ?  I've received them in the past! I spent over 3 hours with them to get turned down by all 4 persons. I kept asking for a supervisor. The 5 person that I talked to at Equifax seems to understand - He gave me a confirmation number and I checked  it, it was mailed out XX/XX/XXXX. Equifax needs to train their people better.  On a follow up to correct my report, I asked to have my correct address in XXXX put in under a personal statement in my report. You can't do that I was told, no foreign address can be put into a credit report either as a personal statement or officially.  Again asking for a supervisor, i was told that my XXXX   address would be put into the report as a personal statement by me. There is no excuse for their insulate behavior in rejecting me because I live in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Mortgage, Reported late payments on payments that were made on time
Product: Credit reporting or other personal consumer reports

I have three negative accounts on my credit report for the same Student loan which is paid in full. How can I have a late payment over 120days in XXXX XXXX XXXX  but the loan has been paid off prior to XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX U S DEPT OF EDXXXX US DEPT ED XXXX have reported this several times to these companies along with the three major credit buraus TransUnion, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to XXXX percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are XXXX percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX XXXX they also practice unfair collecting. Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. Very embarrassing and it should be illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and grossly inaccurate account that has unjustly tarnished my credit report. The egregious errors in your reporting have not only violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), but also constitute a blatant assault on my financial integrity. Such reckless disregard for accuracy and compliance can not go unchallenged and may necessitate aggressive legal intervention. 

Upon conducting a thorough examination of my credit profile, I uncovered an installment account falsely labeled as XXXX/Dept of ED Loan , with an erroneous amount of {$3500.00} attributed to my name. This glaring discrepancy permeates my entire credit report, replete with inaccuracies in Account Numbers and clandestine concealment of vital account details. The evidence I possess overwhelmingly supports my claim, leaving no room for debate or delay. Immediate rectification of this injustice is non-negotiable.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the purported last activity date on this account bears no resemblance to the actual date of my last payment, distorting my credit history and undermining my financial credibility. These deliberate manipulations have been meticulously documented across all credit bureaus, serving as irrefutable evidence of your organization 's negligence and malfeasance. 

It is imperative to emphasize that the mislabeling and misrepresentation of accounts, such as falsely designating an account as " paid as agreed '' or inaccurately labeling another as " deferred, '' constitute flagrant violations of consumer protection laws, particularly the FCRA. Your disregard for these fundamental legal standards demands swift and decisive action. 

I demand your immediate and unwavering attention to this matter, with a swift resolution in strict accordance with the FCRA guidelines. As stipulated by FCRA regulations, I expect a response within 10 days from the date of this correspondence. Failure to promptly address and rectify these egregious inaccuracies will leave me with no recourse but to pursue all available legal avenues against your organization, seeking not only redress but also punitive damages for your wanton disregard of my rights.
Product: Credit card or prepaid card

I have no idea why I can't get a PREPAID account? I don't owe anything and if they say I do, it's not accurate.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am XXXX XXXX  because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Product: Checking or savings account

I am filing this complaint regarding the denial of my savings account application by Bask Bank on XX/XX/year>. Despite multiple attempts to obtain a clear and specific explanation for the denial, Bask Bank has failed to provide actionable details, citing vague internal policies and reliance on XXXX ' proprietary scoring model. This lack of transparency raises concerns about potential non-compliance with the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

Summary of Events Application Denial : On XX/XX/year>, I applied for a savings account with Bask Bank. I received an immediate denial and was instructed to contact XXXX for further information. 

XXXX XXXX : On XX/XX/year>, I reviewed my XXXX report, which contained no adverse or actionable information relevant to the denial. The only details included a checking account I successfully opened with XXXX XXXX in XXXX. 

Customer Service Interaction : On XX/XX/XXXX, I contacted Bask Bank and was assured I would receive a specific explanation for the denial. However, the email I received on XX/XX/XXXX stated only that my application was declined due to " information on your applications outside Bask Bank 's policy or information received from XXXX. '' Further Attempts : I followed up with multiple emails and calls, including detailed written requests for clarification on XX/XX/XXXX and XX/XX/XXXX. Bask Bank 's responses consistently failed to provide specific reasons for the denial or identify the internal policies allegedly violated. 

Concerns ECOA Violation : Under 15 U.S.C. 1691 ( d ), financial institutions are required to provide clear and specific reasons for denying a financial application. Bask Banks vague responses fail to meet this standard. 
FCRA Non-Compliance : If the decision relied on XXXX data, the FCRA requires that actionable details from the report be disclosed to me, enabling me to dispute inaccuracies. Bask Bank 's refusal to explain how XXXX data influenced their decision limits my ability to exercise these rights. 

Requested Actions A clear and detailed explanation of the specific internal policy or criteria that my application allegedly violated. 
Identification of the precise XXXX data that contributed to the decision and how it impacted my eligibility. 
XXXX that XXXX Banks practices align with XXXX and FCRA obligations.
Product: Credit card or prepaid card

XX/XX/XXXX I called Barclays Bank Delaware to set up auto-payment and it didnt go through so I called again in XX/XX/XXXX and got sent to a higher manager ( XXXX ) who went through it and set it up with me and I am just receiving information now that they havent been getting the auto-payment from XXXX till now in XXXX of XXXX. So now they charged me ridiculously raised balance for their negligence. I have no problem paying it outright, but I dont accept their surcharges for their mistakes. Whenever I tried to email, call, or use the mobile app it just hung up, no response, or told me to call them in which they never answered six times.
Product: Debt collection

Equifax will not remove a paid medical collection that I paid for on XX/XX/XXXX. I have called them aprox.8 times and they say the Collection Agency says debt is not paid. Emailed them a copy of paid in full letter faxed them a copy of letter. Called XXXX XXXX XXXX 10 times and them promising they sent the letter to Equifax. I believe they did. Equifax refused to let me speak to a supervisor. Friday I spoke to a lady faxed letter again with drivers license and social security card. Still has not been removed. I have begged pleaded. Done everything possible and they will not remove it. XXXX and XXXX no problem removed in a week. I need help with them.
Product: Mortgage

My primary mortgage was refinanced with XXXX XXXX XXXX who sold it to Caliber home loans. The escrows were waived during the refinancing with XXXX XXXX XXXX. However, when the loan was sold to Caliber Home loans, they et up the servicing incorrectly and are now escrowing for both taxes and insurance, making less of the overage I pay go towards the principal balance and negatively affecting my ability to pay down the mortgage quicker. I have paid the real estate taxes personally and have the receipt showing my personal check was used. Insurance is not due until XX/XX/2022.
Product: Checking or savings account

On XX/XX/22 I received a call from a number impersonating citi bank fraud department about some transaction I did not request. From there, they walked me through steps to mull the transaction and reset my bank username and login as they described the scammers had access. By the time I realized what was happening, they were able to login and wire transfer themselves over XXXX from my saving. I had to reset my user abs password and call my bank to try to stop the transfer, one of which had already gone through
Product: Mortgage

I make my mortgage payment via phone call every month by the XXXX, after the XXXX a late fee is charged. 
I called in XX/XX/2020 and spoke to a representative. I asked to make a payment and then hear detail about refinancing. I was told my payment was scheduled and then spent over an hour hearing about refinance options. The payment was not able to be lowered as much as another lender offered, so I declined the refinance option. 
I received notice via phone a couple weeks later that I missed my XXXX payment. I told the representative I believed I had paid it, and beyond that PennyMac had just provided a payoff statement to the new lender I planned to refinance with. I asked if I should still make a payment of if this would affect my refinance. The representative said they did not know the answer to that question and would have to speak to their refinance department and get back to me. I never received follow up on this question. 

I received a call from my new lender the following day stating PennyMac sent them an unprompted payoff statement noting I was 30 days late on my mortgage. They also notified the credit reporting bureaus. The new le nder notified me that I would not be eligible for refi anymore due to this. I immediately called PennyMac and explained the situation. The representative and supervisor I eventually spoke with were unwilling to help in any way. I asked for calls to be reviewed, for the refinance department to be contacted so the issue could be reviewed, and I offered to provide phone records which were declined. I have called PennyMac seve ral times over the last 3 weeks to request a letter stating there was an error when processing my XXXX payment. I could then provide this letter to my new lender and still be eligible for refinance. PennyMac is refusing to give any documentation stating such. After several attempts and my request being declined, I suggested that they place blame on me and call it a misunderstanding on my end. They were still unwilling to do that and have offered no recourse. 

Each time I call I have spoken to a different representative, however they all have given the same statement once asked for a letter ; " This is so you can refinance with another company, right? '' I feel as though I am being blocked intentionally and discriminated against because they know I am trying to refinance elsewhere. I have never been late on a mortgage payment in the three years I have had a loan through PennyMac and we have always had good rapport. I would like to end our relationship on a positive note and be provided a letter as requested.
Product: Credit reporting or other personal consumer reports

The account listed below is reported on my credit file and was found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX
Product: Bank account or service

My bank, Wells Fargo, erroneously reported me as being delinquent on my credit card payments and referred me to a credit bureau. When I called on XX/XX/XXXX they told me that I was paid up on my credit card and there was nothing they could do.
Product: Student loan

I have tried calling Sallie Mae to make over the phone payments but they say they can't take partial payments and that they don't have my account anymore but can't tell me who has it now. They want me to pay {$420.00} a month when I am unemployed due to having XXXX kids at home and the cost of daycare. I am in {$30000.00} debt because of this.