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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC RECORDS XXXX XXXX XXXX Bankruptcy XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC RECORDS XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Back in XX/XX/year>, I entered into a short-sale contract with a buyer. My realtor sent the paperwork to me to process the transaction with my two lenders. One of my lenders did their work. The other, Rushmore Servicing ( the third name of a company that keeps getting its license revoked by the state of Illinois ) is not responding to my realtor or attorney. If I call, they are rude and unprofessional. They refuse to tell me anything. They told me they could only talk with my attorney or realtor. 

I am struggling with XXXX and I am trying to avoid foreclosure. 

This lender- Rushmore Servicing- refuses to respond, or cooperate, and I believe they don't know how to contact the investor who controls my loan. 

Because they refuse to contact the investor or do anything, my main mortgage company has informed me that they will begin foreclosure on my home. 

I have a buyer who has patiently waited these past XXXX months. 

The lender doesn't seem like they have the paperwork on my loan. Please help me.
Product: Checking or savings account

I just deposit in cash {$180.00} to a Bank of America ATM machine, ATM id # XXXX, located in XXXX XXXX, NC and the ATM machine took the money and didn't provide me a receipt, and even worst, didn't credit the deposit to my account. I feel like I was stolen by BoA. I want BoA branch where this ATM machine is located, to investigate TODAY, and credit my money TODAY, otherwise, they are stealing from me. This was cash in hand money that I had available today and is not fair that because of a mechanic problem of the ATM machine I just simply have to loose my money for no reason. The branch need to have the capacity to resolve the problem today!
Product: Credit reporting or other personal consumer reports

As you can see from my previous complaints, XXXX stole my money. I took them to arbitration and won the case against them. XXXX had to pay me {$5000.00} plus. I sent in the paperwork I received from the XXXX company. XXXX said they contacted Cedar Business Service, representing XXXX, and they stated the {$2600.00} would remain on my credit without providing any evidence, unlike my paperwork, which clearly states I won the case. XXXX had to pay me {$5000.00} for all their wrongdoing. It seems XXXX also has enough money and clout to sway the credit bureau. Just a reminder : XXXX is a corrupt company whose CEO spent 119 days in jail for wrongdoing.
Product: Checking or savings account

My account was hacked for over XXXX and fulton bank closed my account and refused to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit card or prepaid card

Purchased a table from XXXX XXXX XXXX in the Fall of XXXX. Received the table damaged in XXXX XXXX XXXX. Called XXXX XXXX XXXX  to return the table they told me it wasnt an option. 

Called Truist to dispute the charge. Received the credit. 

XXXX XXXX  XXXX I get a call from XXXX XXXX XXXX asking why I disputed the charge. After I told them it was because when I tried returning it they told me it wasnt possible they informed me that theyll now accept the return. They came and picked it up. 

A few weeks later Truist puts the charge back on to my account and wont let me reopen or file a new dispute. Ive called over XXXX times; emailed the evidence of the return. Even spoke with managers at local branches. Nothing is being done. They always tell me the choice is up to a department that can not be contacted.
Product: Mortgage

The loan origination has no escrow account requirement. Three ( 3 ) weeks before closing, the loan officer told me I have to have an escrow account but only for one ( 1 ) year. After 1 year, if my mortgage payment are in good condition ( e.g. no late payment ) I can remove the escrow account. 

Fast forward a year, I requested WF to remove the escrow. After some investigation, WF informed me that I have to have the escrow for the duration of the loan. I replied saying that's not what I was informed. I told WF to check w/ the XXXX  XXXX but was informed that the XXXX  XXXX was no longer w/ WF. 

WF offered to refi my loan and by doing a refi I can remove the escrow account. 
I need your help to force WF to adhere to promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.
Product: Credit reporting

I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

XXXX Bankruptcy XXXX NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft someone is using my information and has a car loan and two credit cards with my social security number I filed for a dispute with XXXX XXXX  and others but the suggested to also file a report with you guys.
Product: Credit reporting or other personal consumer reports

I spoke with four different reps and there was ABSOLUTELY no consistency in the communication. I called to get my credit freeze lifted for 24 hours because your website won't allow me to make any updates/changes. I was told by the second rep that it was due to an error code on my profile and she said that she created a ticket to have it corrected within 24-48 hours. 
The fourth rep/supervisor said that the previous rep should've given more info regarding the error and he said that he was going to submit a maintenance request and the completion time was five business days. Nevertheless, none of the reps would lift the freeze temporarily because they said that I failed to authenticate even though most of the questions were not regarding XXXX XXXX. The second rep said that most of the time, the questions could be pertaining to identity theft and therefore shouldn't be asked at all. I reached out via chat and that rep didn't ask me any of those questions and I was told that my freeze was temporarily lifted. The supervisor refuted that info and said that a lift request is immediate and he didn't see that the request was completed.
Product: Debt collection

Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.
Product: Credit reporting or other personal consumer reports

I have called XXXX, XXXX and Equifax many time because they keep making a lot of mistakes with my accounts. A lot of old debts that I have already paid a long time ago keep showing on my credit report. I send them the proof that I have paid those accounts a long time ago. But, regardless of that they do not fix it. In addition, my credit score never goes hired that XXXX XXXX XXXX XXXX. However, when they low it. They take even XXXX XXXX from the score. I think that very unfair. Please help me to fix this. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports. 
Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXXXXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost XXXX now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

SEQUIUM ASSET SOLUTIONS , LLC has fraduently put a alert on my credit. I don't know who this company is nor have I ever spoken with them or received mail correspodence as required by law. 

The debt in question is for {$7600.00} and was placed on XXXX XXXX. After contacting and getting multiple hangups as the company does this to most customers. This company has a history of XXXX, after a quick internet search and reading XXXX reviews and seeing the XXXX XXXXow rating this company has. I have had to activate my XXXX insurance and lock my credit due to this XXXX company. This company is a high XXXX  company and needs to be shut down by the Federal government
Product: Debt collection

I sent Equifax multiple letters to verify this account and I never received proof or a copy of a application with my signature.
Product: Vehicle loan or lease

I paid off my car loan with PNC bank, and they sent a letter to me confirming that the loan was paid in full and that the vehicle 's title was included in the envelope. Since there was no vehicle title in the envelope, I called the bank at XXXXXXXX XXXX XXXX  and was told that they can't locate the title, so it is up to me ( the customer ) to go to my XXXX XXXX and see if I can get a duplicate title issued. I would then mail that back to the bank for them to sign and send to me again, which I would then have to take back to the XXXX to have clear title reissued in my name. 

PNC bank is responsible for the title and lost it. They are responsible for providing me with the vehicle title at loan payoff so that I can get free and clear ownership of the vehicle. PNC 's incompetence is preventing me from taking ownership of the vehicle even after satisfying the loan in full.

PNC says they may get back to me next year, but in the meantime I can not trade the vehicle or sell it since I don't hold title to it.
Product: Credit card or prepaid card

I used my Capital One Spark business credit card to make a payment on XXXX, as I was buying a website through the services. I've used a credit card on the website before with no problem. It does involve a paying a processing fee, which was fine. 

I made the payment on XX/XX/17 in the amount of {$4800.00}. On that same day, I was charged a {$140.00} cash advance fee, even though this wasn't a cash advance transaction. 

I double checked on the XXXX website to ensure that a credit card transaction wouldn't be processed as a cash advance. ( I've included a screenshot from their website stating that. ) I called Capital One explaining that this was not a cash advance transaction and I shouldn't be charged a cash advance fee. They said there was nothing they could do about it because that's how the merchant tagged the transaction. So then I called XXXX and they said there's nothing they could do about it because it was Capital One that charged me the fee. 

Clearly, Escrow.com and Capital One need to fix the process between themselves, but in the meantime, I'm stuck with a {$140.00} fee that no one can seem to help me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX Inquiry :XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2017 National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2017 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX  Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$600.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  : reference number  XXXX  Dear Customer Care, My  XXXX  year  old son  XXXX   XXXX  purchased one of your reloadable prepaid cards from a   XXXX   gas station on  XXXX   XXXX ,  2017  around  XXXX . He spent {$110.00} cash. There was difficulty registering the card and  XXXX  subsequently emailed to  XXXX  XXXX  XXXX  a wide variety of personal identification and a copy of his registration attempt. Even after all of this effort he was unable to activate and use the account.  XXXX  was unable to provide a cash receipt for the purchase when we requested the receipt. We are feeling a little bit ripped off here and are contacting th e Consumer Finance Protection Bureau to try  to help get this card activated. Copies of the card ( front and back ) and registration are attached.   The card number is :  XXXX  Please contact me at  XXXX  to let me know how best to activate our card or refund the purchase price.