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

I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with Discover, XXXX, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my XXXX score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.
Product: Credit reporting or other personal consumer reports

I am disputing this account because I do not owe this debt to such company, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and has not allowed me to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).
Product: Mortgage

I have NEVER EVER been late on my mortgage. I set up an automatic bill pay through my online banking and every two weeks they get a payment from me. I alway pay a little over and I am 2 weeks ahead. 

DiTech, the mortgage servicing company, misappropriated my payment a couple of months ago. I have called them on numerous occasions and each time they look into the record, they see what has happened, and tell me that they have to submit the issue to another department to rectify the problem ( place the payment in the appropriate account ). After a while, they begin to tell me how behind the department is and that is why the payment has not been correctly appropriated. However they still assure me that everything is alright. Then the following week I am getting emails and phone calls about the same issue. I am told the computer is automatically generating the calls and letters, but rest assured everything is okay. Finally I spoke with a Supervisor, who tells me that she sees the problem and that the previous advisors had not contacted the right person, she is going to contact the department head and I should not have any more problems. Now, I am concerned because they have started charging me late fees and my statements show I am thousands of dollars behind. 
The final straw was that I am now receiving letters from a collections agency, which greatly concerns me, because that means this is showing up on my stellar credit report. I am livid now, because we work hard to pay our bills on time, we work hard to keep good credit and to have this happen while they are getting my payments every two weeks is appalling. Can someone PLEEEAASE help me straighten out this mess! Please explain my rights or options.
Product: Checking or savings account

My bank account was closed for a verification issues I have sent my driver license pictures of my face they still refused to open the account. On XX/XX/XXXX the account was closed and I was told I would be issue a check out. I reach back out to the bank. They said they would not be sending me any money because of some guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my credit file and found this account which was not opened by me.
Product: Credit reporting or other personal consumer reports

I have found an inaccuracy in my Credit report ( one Account for three different Creditors ), 1 ) Equifax Credit Report ( XX/XX/2023 ) Account NAME : XXXX XXXX  XXXX XXXX  Number : XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX ( XXXX Credit Report XX/XX/2023 ) Account NAME : XXXX XXXX Number : XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX Tel ( XXXX ) XXXX XXXX ) Account NAME : XXXX XXXX, XXXX XXXX  Number : XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX One Account belongs to three Creditors. ( Account Number ) This is an inaccurate report, according to the Fair Credit Reporting Act.
Product: Student loan

This is regarding CFPB Complaint number XXXX. This issue remains unresolved. After I received Nelnets response stating that they need my pay frequency in order to process my SAVE application, I was left with two options 1 ) call them to provide that info, 2 ) email them to provide that info. 

I immediately emailed them and received an automated response basically saying that they wouldnt get back to me because theyre getting too many emails. Then I was on hold for over two hours until I reached someone. I told that agent that I am paid monthly and asked how long it would take for my SAVE application to process and she said 10-15 days. The agents name was XXXX and her code was XXXX. This is the third time over the course of 3+ weeks that Ive been told my application will process in 10-15 days. This is unacceptable and its absolutely unacceptable to wait over 2 hours to speak to someone on the phone. If I hadnt filed a CFPB complaint, I would have never known what was wrong with my application, because Nelnet never sent me a notice about it. XXXX logged a complaint about the insufficient notice during our call yesterday.
Product: Mortgage

I have experience trouble changing my home owners policy to a new vendor. In talking with my XXXX agent, I was offered saving on my policy due to bundling with my auto policy. I have uploaded the Insurance disclosure page to myinsurance portal to update the escrow account. In return, SPECIALIZED LOAN SERVICING, LLC has sent me text links to upload the documents. I have uploaded the one page document from my Insurance agent at XXXX beginning on XX/XX/1924, and XXXX. My agent has also uploaded the insurance disclosure 3 or 4 times since the policy was written. Every time I receive a text notification and email stating " We are unable to process you doc ( s ). Resubmit docs. '' Neither my XXXX Agent or I am able to successfully update the documents with SPECIALIZED LOAN SERVICING to date, and the updates must occur by the end of the month, XX/XX/XXXX, or it will not show I have insurance on my home. Both my insurance agent and I have not been given a phone number to call in our corespondences with this Mortgage Holder, and he pointed out this is unique. Without any phone number to call, neither of us have any option to followup except to keep submitting the documents through the myinsurance portal. Please let me know what I can do to expedite this matter before the end of the month. 

Thank you
Product: Debt collection

A judgment was filed against me by an attorney on behalf of XXXX XXXX in XXXX. In XX/XX/XXXX, the judgment was declared satisfied due to the judgment not being revived within the statute of limitations. In XX/XX/XXXX, I received a letter from the same attorney demanding payment.
Product: Money transfer, virtual currency, or money service

I was paid {$90.00} for giving a friend a ride and the friend paid me on Venmo. I had stopped using XXXX federal credit union so I had to add a new card in order to access the money. When I added the new card Venmo froze my account for 15 days but added the payout method I provided to the account. Then yesterday Venmo unfroze the account and I tried to transfer the money but Venmo will not transfer the money and the bank I added will not accept money from Venmo. Venmo will not let me send the balance to a friends Venmo account who can put the money in theyre bank and give me cash so I was forced to add another debit card to the account to try to transfer the money on and it froze my account again. They are doing this on purpose to hold peoples money as long as possible and they will keep it going forever theres countless stories on XXXX of people trying to access theyre money for over a year and just giving up on it. Please help me
Product: Credit card or prepaid card

Bill was due on XX/XX/2019 in the amount of {$12000.00}, I paid balance due which translated into a zero balance on the card. XX/XX/XXXX I reviewed my statement which revealed that I still had a balance of {$870.00} and was charges {$110.00} in interest, I called Citi bank XXXX twice to explain to me why I still had a balance when I thought the card was paid in full, I was told of charges that was not included in the balance XX/XX/XXXX. I was deceived into thinking my card was paid in full and ended up paying interest charges on balance due.
Product: Debt collection

I disputed the information that it was incorrect. The company is reporting the same collection twice, for the same amount increasing the amount of the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talk to Equifax several times regarding my credit report. My account from Equifax, is not showing all of my correct accounts. Ive talk to an supervisor XX/XX/XXXX, to remove the fraud alert and remove the incorrect date of birth from my my credit report. Equifax had two DOB XX/XX/XXXX, XX/XX/XXXX for me, my correct birthday is XX/XX/XXXX. However XX/XX/XXXX account had all of my correct credit information. They were supposed to update and merge my correct birthday. XX/XX/XXXX had incorrect information on that credit file. Proof to show, that account from peoples commerce was removed. My score is incorrect, it still has not updated. My accounts are incorrect, it still has updated. The supervisor gave me confirmations that my credit report was updated and it still has not. I have many positive accounts, none is showing on my credit report. Im in the process of buying a home, however so can not because my credit report is not accurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get my credit report frozen with Equifax since XX/XX/XXXX. It took me 5 minutes online with XXXX and XXXX, but Equifax has been deceitfully stalling me throughout the process. I'm unable to do it online or by phone since they require additional documents. I've spoken with an agent on the phone and was instructed to send a letter to Equifax with a request to freeze my credit report, along with proof of ID and proof of address, which I did. I've got confirmation that Equifax received the letter on XX/XX/XXXX. Since then, my credit has not been frozen. I've tried to contact the company again on the phone, when the agent simply read me a script telling me that they couldn't see whether the letter had arrived or not ( and that was after confirming an endless series of personal information, such as SSN, address, and date of birth, as always ). I've tried contacting them on XXXX, and they've simply told me they've handed my case to the XXXX team as I am travelling abroad ( which, again, makes no sense ). It is clear that the company has been acting in bad faith in order to keep my credit report unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature
giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Money transfer, virtual currency, or money service

Made 2 purchases on my cash app card XXXX each, XXXX and XX/XX/XXXX I believe... Electric bicycles is what I purchased from XXXX XXXX XXXX I hadn't heard from them and sent numerous emails. I contacted cash app to file disputes and did but later that day got tracking confirmation from XXXX ( tracking app ) so I canceled the disputes but then 15 days later ... No bicycles! I called company..No Response and countless emails..nothing! So I contacted cash app again to follow disputes ... and they were immediately rejected ... saying company fulfilled obligations but they hadn't come and I have received nothing! Did some digging and finally found out they are not located in California but XXXX! I called XXXX post ( shipping company XXXX  ) they said it was a scam with Fake tracking numbers... I continuously called customer service cash app to file disputes and got No Where!! I had an cash app employee tell me that they had numerous, numerous complaints and disputes from that company and that they were totally a scam... If only I knew!! Then Finally they emailed something to confirm my identity which I did and then at the end of verifying it... it wouldn't send ... numerous times and then I got email saying they closed my account!! Because i didn't verify my identity but I Did and called customer service and told them and they said they received it. Then only to get emails afain saying... again my account is closed!! And disputes denied!!! Unbelievable..always had good account and in good standing and for them to do this ... Unreal..Please Help ... Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that Synchrony Bank financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to Synchrony Bank, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX Co 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Product: Checking or savings account

On XX/XX/XXXX, I first attempted to open up a premier checking account online, which is required in order to qualify for a bonus XXXX {$600.00} ). 
Account was not opened, reason ; unable to verify my identity. 
Called the bank for assistance and was given misleading inaccurate information and was told to reapply after 48 hours. 
Checked all 4 of my credit files to make sure the information contained within was accurate as suggested by HSBC  representative. 
Waited the 48 Hours as was suggested to reapply on XX/XX/XXXX, with the same results ; declined unable to verify identity. Tried again 1 hour later adding an additional product savings account, decline same reason. Call back again was told to wait 72 hours, it was suggested that the system was Auto declining me. 
Waited and called them again for assistance, received the same scripted answers, transferred multiple times ( 3 ) with no results. not one representative was able to assist me. Called back the department designated to assist people with XXXX on XX/XX/XXXX. Was able to speak to a representative who tried help. He was very frustrated receiving the same conclusion. he could not provide a complete explanation on why the decline was happening. 
He was going to check out my options, but has not contacted me back to me in the timeframe he stipulated. 
The bonus program I was applying for is expiring XXXX XXXX. 
I won't be able comply with the requirements because of The bank 's Discriminatory practices prohibited me from opening this account. They offered no Accommodation for me. They offered a product bonus with no intent to honor the offer. Unlawful business practice. They used Discriminatory barriers to prohibit customers verification through other lawful methods. 
Application ID # s ; XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.
Product: Money transfer, virtual currency, or money service

Zelle. Many times when attempting to send money transfer I was unable to or could not, or it would sent to incorrect account. I would have to send {$1.00} to confirm it was going to the right person. They did not give information that it would be going to correct account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX XXXX XXXX months ago.i dont no why XXXX  put this remark back on my report. This is wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was notified via mail regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Equifax able to prove the accuracy of the alleged debt? and what are you updating Equifax? 

If Equifax can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Equifax is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
Product: Mortgage

In complaint XXXX, Green Tree responded that " As a customer courtesy, Green Tree is updating your account to report as current with the credit reporting agencies for the first 90 days of your account transferring to Green Tree from your prior servicer. '' They have not done so - XX/XX/XXXX and XX/XX/XXXX are still showing as " not reported '' at the major credit bureaus. 

As stated in that complaint, non-reporting creates a RICO-violating " racket '' by which customers are forced to patronize Green Tree Services without their consent. This is a criminal offense, and I would also like some advice from the CFPB in how to pursue pressing charges.
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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX loan has been forgiven but this loan still shows on credit report