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

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Mortgage

I started my loan application in XX/XX/2019 with a company called XXXX XXXX. They transferred to Willow bend mortgage during the loan process on my file. The entire process was not professional and it took me calling the main contact XXXX XXXX XXXX times without no response back A WEEK BEFORE CLOSING. XXXX XXXX, loan officer and XXXX XXXX, neither of them gave me the decency to talk to me about my loan. They did not care about what I was going thru because of their non communication. I had to find the name of willow bend mortgage on the internet and realized that XXXX XXXX is not even affiliated with them which made me even more confused. Finally I was able to talk to the operations director XXXX XXXX and she had the time to talk to me to help me - sad nobody else could help me to answer my questions!!!!!! and ended up closing the loan and I closed on it last week. I have never been so disgusted in my life of how this company treated me in the merging of companies. Not only am I at risk for loosing my job from missing days fro. Work thinking I would be closing but the stress this has caused for me and my family is something that has LITERALLY scarred me. People need to be aware of this. The breakdown I had from this has pushed me into a XXXX. All because I wanted my own dream home. Never again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent them a certified letter stating not to call me they just called today And a certified letter to verify my debt which them have not done to date
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.
Product: Credit card or prepaid card

Hi, I recently made a purchase, using my Capital One Platinum Credit Card. I made the purchase via XXXX to a Seller in XXXX. When I used my linked Capital One Platinum Credit Card, the Seller was charged approx. {$50.00} USD for the money transfer by XXXX. There was no notification alerting me that I would also be charged a fee by Capital One. I thought that I was making a Purchase, but Capital One charged me a Cash Advance Fee of {$30.00}, a Cash Advance Interest on that fee of {$4.00} & listed the purchase as a Cash Advance, which adds up to yet more interest, because it was listed as a Cash Advance & not a Purchase.I do not think that this is fair nor appropriate, because I was not notified in advance that this would be the case. I would appreciate very much if Capital One would refund my account the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Fee Interest & label this transaction as a Purchase, rather than a cash Advance. Suffice to say, I will never again use the Credit Card in conjunction with XXXX  nor XXXX, because it appears that when you do so, Capital One lists the transaction as a Cash Advance. I hope that Capital One will have a heart & just this once consider my position. Thank You. 
XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX deposited my brother stimulus check with his knowledge & the bank freezes my account without notice while I was out of town ... after taking my brother to try & rectify the situation..the bank proceeds to tell me that it will continue to he frozen because I recieved SBA loan & to forward 4yrs of my income tax that clearly shows I have been paying taxes on my small business.After weeks of not even a email.. & me calling everyday..not getting clear answers to WHY.. I'm told that XXXX will be returned to government..My small business loan was only XXXXno explanation, notice, letter. 
NOTHING from the bank on where or who recieve this the money..I contacted SBA & they say my loan had no issues & they have not receive the money.My paychecks where also withheld & I haven't been able to pay bills, or access my any money that was left. This has been a complete nightmare & I don't see no way out or who can help me.
Product: Debt collection

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX  received electronically verification from XXXX XXXX XXXX   Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XX/XX/2019 
But Experian, XXXX and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX  and a XXXX XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00} I believe it was reported in error.
Product: Mortgage

I have been trying to sell the property since XXXX in a short sell. The borrower is deceased and I am on the title. PennyMac has continued to deny me as successor in interest and has continued to charge fees in abundance for property inspections, appraisals, and various other fees.
Product: Credit reporting or other personal consumer reports

When disputing a collection account with a collection agency due to identity theft, it is important to clearly communicate your Subject : Dispute of Collection due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is XXXX XXXX XXXX XXXX, and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 


I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2024 To The responsible party in question, I, XXXX XXXX XXXX XXXX purchaser and regular individual, am mindful of all freedoms that I have, and which are safeguarded by The Congress under the Fair Credit Announcing Act ( FCRA ). The rundown of records has disregarded my governmentally safeguarded customer privileges to protection and classification under 15 USC 1681. 

XXXX. XXXX Formerly XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

Erase this record right away, except if you need to be held {$1000.00} per infringement 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

15 U.S.C 1681 Segment 604 A Part 2 : It likewise expresses a purchaser detailing organization can't outfit a record without my composed directions Erase this record right away, except if you need to be held {$1000.00} per infringement I'm Ready FOR Suit Earnestly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT #S LISTED BELOW HAS VIOLATED MY RIGHTS>>>>>>>>>>>>>>>>>>>>> 15 U.S.C 1581 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. >>>>>>>> 15 U.S.C 1581 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
EQUIFAX  INQUIRES
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO
Reported: XXXX XXXX XXXX  $0.00 Closed

HARD INQUIRIES

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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 XXXXTransUnion was XX/XX/2022, 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 the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to UPDATE immediately : XXXX : XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} TransUnion : XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$13000.00}
Product: Student loan

I called my Federal Student Loan servicer XXXX  concerning the loan. I explained to them my loan was showing paid off for the last 4 years than all of sudden reappeared. It showed in good standing and paid as agree on the credit bureaus ' reports. They are also saying my student loans doesn't qualify for the federal forgiveness program when they are federal loans. I need someone to check into this situation because something isn't right.
Product: Checking or savings account

Previous account access denied XX/XX/XXXX First time, successful access to account. Hours later, account was deactivated. Tried to recover access to a previous account by changing password and using a different browser and was denied. " Oops, hit a snag '' was the response from the website. Three different reps were not able to help with gaining access instead, after saying they could get me logged-in, putting me on a brief hold ( 5mins ), and all saying the same thing : After coming back on the phone from a brief hold ...

CapitalOne : " It looks like we're not going to be able to access this account. '' " I thought that we could based on my understanding but will only be able to send you the requested information via postal mail. '' Me : I was just able to gain access and now I can't sign on CapitalOne : " Sorry, there's nothing we can do. '' Me : Ok, I need the statements from XX/XX/XXXX - XX/XX/XXXX and copies of any checks in the amount of : {$1000.00}XX/XX/XXXX I received the statements on XX/XX/XXXX but not the copied checks.

JXX/XX/XXXX I called a Capital One bank rep, explaining I didn't get the copied checks, the rep replied they have been sent to an encrypted file on my account. I told them, I didn't have access. XXXX ( Capital One Rep ) said that I should have access : a. Did I try to change the password b. try using a different browser c. put me on a brief hold d. sorry - we're not able to reinstate you for this account. We'll send you the copied checks I haven't received the final documents to this important information requested by the IRS.
Product: Credit card or prepaid card

I was locked out of my account by Netspend after one try to login online and check my balance because my card was being declined after trying to make purchases. I found out that netspend put a lock on my account after I added my last XXXX to the card. After getting in touch with an customer service representative they asked me to email my id, social security card and a proof of address which I really didnt want to do because I dont know how they handle such sensitive information yet I sent it and at first they declined and said I needed to send another photo of the social security card because at this point they are bullying me and being irritating.The photo of the card was visible and a tiny little corner was cut off and barely noticeable. The name or number was clearly visible and not cut off in any way. So I sent another photo of it and Im being ignored now. They are giving me a very hard time to access the money no matter what and they know its me trying to access the account because I sent in everything they asked. Even after I told them someone is sick in my house and I need to access the money they are ignoring my request. It feels like Im applying for a huge loan from them or some sort because I have to jump through so many hoops to access my money. I have XXXX children and this is putting us in a hardship during this covid crisis. Im wondering how long this is going to go on and what they will ask for next.I would like to request help if possible.Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed 3 inquiries ( XXXX XXXX XXXX XXXX XXXXXXXX ) that I dont recognize and is hurting my ability to obtain credit. I would like for them to be removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX  Balance Owed : {$33000.00} 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

citi sears masterard is a great credit card but interest rate is outstanding. the balance i was paying on my cell phone XXXX on the statement it says XXXX when i look at the balance on phone i would be over the limited the interest XXXX plus being charged XXXX for over the limited fee since this covid - 19 started citi has not given any relief to consumer on their card products .at the begining of crisis.
Product: Money transfer, virtual currency, or money service

I sent {$310.00} to wrong person using Chase QuickPay service. Although name was correct but phone number was old for the recipient. 

I was under the impression that both phone number and name will be authenticated. 

Because when I make similar transaction at XXXX  XXXX XXXX, it checks for name as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw inaccurate information being reported about delinquent accounts. I then sent an Affidavit for Account Validation on XX/XX/XXXX, and it was verified as received on XX/XX/2022. It has been more than 30 days and I have not received a response from the company. They are still reporting inaccurate information about delinquent accounts on the credit report which is effecting the credit report in a negative way.