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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Checking or savings account

I was trying to make a wire transfer to XXXX a major crypto currency application. 
USAA fraud department flagged it as a possible scam and reversed the wire transfer. 
After calling for 3 days just to verify who I was they would not open the account. USAA had my phone number verified, my children 's birthdays, my vehicle types, my pin number and several other means of verifying who I was. I even went to the main bank in XXXX XXXX after driving XXXX miles to verify myself in person. I gave them my driver 's license to copy and sent it to the fraud department. Still, no one at the bank would see me standing in the lobby. I called the fraud department while in the bank and still could not get my account unfrozen to do my daily business. Now my monthly payments are due again I can't pay them, it has already damaged my credit. All my direct deposits go in this bank account so needless to say I have no funds to pay my bills. My mortgage has been late along with my vehicles, and utilities. It is costing me late fees and other expenses due to not having access to my money. I need my account open asap so I carry no further late fees.
Product: Credit reporting or other personal consumer reports

Please take note that this constitutes my numerous written request, indicating my firm intention to pursue litigation in accordance with the FCRA to uphold my rights and seek relief, including all monetary damages entitled to me under 15 USC 1681n and 15 USC 1681o, regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below persist on my credit report, which is a clear violation of Federal Law. According to the FCRA, you are obligated to possess a copy of the original creditors documentation to verify the accuracy of this information. 

In both the initial investigation and subsequent reinvestigation, you asserted in writing that these items were " verified '' and being " reported correctly ''. I am left questioning who conducted this verification process. Furthermore, you have not provided me with any original documentation, such as a consumer contract bearing my signature, as mandated by 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Additionally, you have neglected to furnish the method of verification as required under 15 USC 1681i ( a ) ( 7 ). It is important to note that under 15 USC 1681i ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified. 
Discharged XXXX : Bankruptcy Reference Number XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX 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 card

These accounts listed on the innovis report are not authorized by me or did I have knowledge of them until I pulled my report. I also am not associated with the two addresses listed on the report.
Product: Credit reporting or other personal consumer reports

I disputed these fraudulent accounts multiple times with Equifax and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED accounts and they need to be removed immediately. 

Unauthorized Accounts - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

HSBC Bank knew I had problems with XXXX  XXXX and had a XXXX XXXX. They were suppose help me to make sure I did not get L/C and fees during XXXX and XXXX However on XX/XX/XXXX they charged me {$28.00} for being late with my credit card payment. I even called them numerous times in XXXX and they advised I would not get charged a late fee. This was for Card number XXXX. The card had since been replaced because of fraudulent charges. I had advised I had no income to pay the full balance of {$2000.00}. Nonetheless they still charged me {$28.00}. Moreover they also charge me a finance charge of {$1.00}
Product: Consumer Loan

These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.
Product: Mortgage

Good morning, I am reaching out to you because my Senator recommended this as the next step in the process of fixing the problem. Since XX/XX/XXXX I have been in an ongoing battle with XXXX XXXX Tax Assessor and Carrington Mortgage. In XX/XX/XXXX I was told that the mortgage company did not submit the proper paperwork showing my home was my primary residence so I was assessed at a higher rate. From XX/XX/XXXX to XX/XX/XXXX I submitted every document required to fix this problem. I proactively kept the mortgage company abreast of the situation. In XX/XX/XXXX the mortgage company did an assessment based off of the erroneous tax information and changed my mortgage from XXXX to XXXX. In XX/XX/XXXX XXXX XXXX confirmed they made a mistake and put in the correction to refund XXXX. Carrington mortgage did not correct the mistake until XX/XX/XXXX. During that time the mortgage company put me on forbearance so everything could be fixed. I submitted a total of XXXX to them and instead of them applying it correctly, they applied it as if the amount due was still 3900 monthly. In XX/XX/XXXX Carrington finally corrected my mortgage to XXXX but refused to fix the errors that made my account almost 25k over what was due. I was told that all I had to do was write a letter requesting that the overage be refunded or applied to the account correctly. That was on XX/XX/XXXX. As of today I am being told that they can not fix the error in the system until I pay XXXX to bring the account current under the incorrect amount. Then once I pay the XXXX they will fix it and send it to me. I dont have XXXX just lying around. I have tried contacting Carrington mortgage several times and they keep giving me the run around. I have emailed XXXX XXXX ( XXXX XX/XX/XXXX ) and have yet to hear back from him or anyone on his team. I am a small business owner and Covid has greatly affected my income. I am asking for your help because this is a lender that is not doing business correctly. I am a minority XXXX XXXX veteran that served my country honorably and have continued to service my community. I dont think it is right that I can possibly lose my home because of an error made by humans that refuse to correct. I keep being told that they understand my anger and want to correct it but they cant correct what is input to the computer. I work hard to provide the American dream to my daughter and to show other minority women that success can be achieved when effort is applied. However, this refusal to fix a simple error is going to destroy everything I have worked hard for over the past 20 years. I have the paper trail to prove that I did everything correctly.
Product: Consumer Loan

I received a letter saying I qualified for a {$500.00} pay day loan. This was right before XXXX and I needed the money to help buy presents for my family. I was told there was a finance charge around {$150.00}, which is a lot, but I agreed to it. I received the money and I have been paying {$150.00} every two weeks to pay off the loan. Its XXXX now, and I have paid {$900.00} towards this loan. I checked the website ( they just changed their name from XXXX XXXX to Big Picture Loans ) and I have only paid {$25.00} towards the balance! I 'm shocked and I feel scammed. I took a screen shot of the payoff schedule, which was unavailable before i took the loan out, and it seems I am to pay {$2200.00} to pay off the original {$400.00} loan. That 's outrageous!
Product: Credit reporting or other personal consumer reports

Radius Global Solutions, LLC, Account # XXXX, refuses request for VALIDATION pursuant to 15 USC 1692g Sec. 809 of the FDCPA. In addition, Title 15 USC Chapter 41 Consumer Credit Protection Subchapter V Debt Collection Practices Section 1692 is an act of Congress designed to protect natural persons ( 1692a says that the term consumer means any natural person obligated or allegedly obligated to pay any debt ) from abusive collection agency practices. I have requested them to provide the following : Agreement with you grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by the any creditor regarding this account. Any judgement obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this allege debt became payable. Date of original charge off or delinquency. Verification that this debt was assignable or sold to collector. Complete accounting of alleged debt. Commissions for debt collector if collections are successful. They have not provided any requested data. 

This was previously and successfully disputed with XXXX and XXXX Credit Bureaus. 

Now they are accessing my XXXX credit bureau without permission through the form of a soft inquiry. I have asked Radius Global Solutions, LLC stop all forms of communication with me and obtaining my information about me for any debt purposes through a Affidavit of Truth.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my transunion credit report. XXXX XXXX I was never a student at this school or any related institution. Further there shows to be an account showing XXXX XXXX XXXXThis account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account. XXXX XXXX XXXX Is inaccurately reporting past due balances on all credit reports as being 120 days late. Payment is current and has been reporting payments received and the amount but still showing as if the account is past due.
Product: Debt collection

My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.
Product: Student loan

I contacted ED Financial on XX/XX/XXXX when I found out someone had taken fraudulent student loans out in my name with XXXX XXXX XXXX university. They mailed me a fraud loan package that took a month to get to me. I completed the application and sent numerous documents proving the identity theft. They send me a letter in the mail in XX/XX/XXXX stating it would take them 60 days to review, I called them XX/XX/XXXX, they said they need more information and sent me another application with the additional information required but I already sent them these documents in the first package. 5 months have gone by without a resolution and they continue to make inaccurate to the credit bureaus. ED financial is hosting a platform allowing defamation to continue to take place with no resolution,
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

It had taken me more than 20 letters and over 30 phone calls for this dispute of {$3700.00} with Chase. Merchant had a return policy of a full refund, and the return receipt stated as full refund, but the merchant only refunded me partially, so that there are still {$3700.00} was not refunded by the merchant. <P/>I had opened this dispute within 60 days of the bank required dispute window, and had provided all the necessary documents and had talked over 4 supervisors ; however, the personal who worked on this case kept confused with some facts : gift card is not USD dollar to dollar, some same amount before the return was not part of the return ... <P/>I kept telling Chase that {$3700.00} on my credit card on XXXX XXXX XXXX was not part of the refund to the return of the earring On XXXX XXXX XXXX. After discussion with XXXX, an account supervisor in dispute department, the dispute department had acknowledged that a mistake had been made to think this {$3700.00} on my credit card on XXXX XXXX XXXX as part of the refund I could not get a return refund without returning it later, right? This is another proof that this {$3700.00} was not part of the refund, so that XXXX XXXX still owes me {$3700.00} for a full refund indicated on its return receipt, provided. <P/>Since this dispute was submitted on time and all the proof/documents have been provided, it depends on Chase to fix up its mistake and chase my not-refunded money back to finish its fiduciary duty to a long term client. <P/>It is really a simple case : Under the federal law and the merchant 's return policy, I shall get a check of {$27000.00}, however, the merchant refunded back to my credit card of {$24000.00} only. Chase told me that they would n't enforce law on the merchant, but I had called no less than 30 times and wrote via Secure Message Center no less than 20 times to indicate that I want to continue dispute this case. And the Supervisor XXXX had kept this case open within 24 hours. Since then, this dispute had been dragged on for half a year. It 's time to chase the remaining portion back, {$3700.00}. <P/>Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSES TO DELETE FRAUDULENT ACCOUNTS AFTER SEVERAL DISPUTES.
Product: Credit card

I have been corresponding with this company for years now and sent everything they asked for yet to get anywhere. This fraudulent account is still on my credit and has hindered me from getting new credit. XXXX and XXXX both has already deleted this account but XXXX is keeping this on my credit file without proper proof from the creditor or collection agency " XXXX XXXX and LVNV Funding/Resurgent ''. I've even sent everything XXXX asked me too including police reports of id theft and got not change. Here I am again making another report because I am getting nothing but a hard time from this collection agency. There are a few other companies that has got a hold of my information without my permission such as XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. They have been reported to the credit bureaus as well after I contacted them and got no information or proof. Please help me resolve this at once. Thank you.
Product: Consumer Loan

Combine my wife and my income, the total is about {$XXXX}, yet the reason for denial is excessive obligations in relation to income. Your typical rubber stamp denial for minorities.
Product: Debt collection

I had a debt with XXXX. They close this debt in 2017. I haven't had any type of communication or notices about this debt until all of a sudden my wages had been garnished by Jacob Law Group based in XXXX Mississippi. They were very rude and unprofessional. I called to talk to them and they had very foul attitudes. They got snappy with me for asking questions. Even abruptly hanging up on me. I called back to complain about how I was treated during that call, again the same thing, foul attitude and abruptly hung up from me. I wanted to know which court they filed their claim with and why I was not notified about this beforehand. I had no idea what happened with my money until I looked at my pay stub deductions. There is where I saw the name Jacob Law Group. I XXXX this business to get a number to contact them which only delivered snappy remarks. I still have no idea where this was all done nor why I have nothing in writing on this matter.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. I request that the accounts be removed from my credit reports as well ( including but limited to XXXX, XXXX, Transunion ).
Product: Debt collection

I do n't have any knowledge of this collection company or the debt that they are attempting to collect
Product: Mortgage

SPECIALIZED LOAN SERVICING, LLC. misapplied the money I sent to them in XX/XX/2016 for property taxes and insurance. They called me on that XXXX and want me to send the money. I sent two checks to them. one check was for {$7700.00} for taxes, and the second check was for {$1200.00} for insurance. These were exactly what they requested for. 

The following month they forced payment plan on me, and started appropriating my regular monthly mortgage payment to cover the same taxes and insurance. They claimed that my regular monthly mortgage payment of {$1400.00} was not enough for the mortgage, taxes and insurance thereby started charging me LATE payments. I was then reported to THE CREDIT BUREAU for late payments. Since the past two years, I increased my monthly payments to {$2500.00}. 
I have never been late on my payment since they bought my loan, and now they have destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureau regarding accounts reporting that I have no record nor recollection of I also reached out to the company for debt validation. I have not received information validating the debt nor have the accounts been removed from my credit report. Furthermore, these disputes went over the 30 days that is allowed and should have been removed. My FTC report has also been ignored and accounts not properly researched that was apart of my FTC filing due to fraud. I lost my wallet and all identifying information and have been battling incorrect information on my credit report since.
Product: Debt collection

collection on my credit report since 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX going around circles with them on a bill I paid to XXXX XXXX XXXX XX/XX/2017 that I already have paid them. They are rude and keep talking around circles for a payment of XXXX. I can't believe how many times I have called them and no help. faxed them a copy of the check that this has been paid. Tell me to call back another time.