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

To whom it may concern : I became aware of my credit score dropping XXXX points in early XX/XX/XXXX. I requested a copy of my credit report and found that I had a mark for 60 days past due on a joint XXXX XXXX  account that I had closed several months prior ( I believe in XX/XX/XXXX XXXX. 

I am frustrated and feel I am not at fault for this delinquency, due to the following facts : 1 ) The account was closed several months ago, and at that time showed a {$0.00} balance both on the checking account and the overdraft line of credit. Why would XXXX XXXX allow an account to be closed if it has an outstanding balance? Why would they not let me know at the time of closure if there was an outstanding balance? 

2 ) Even though I closed my checking and overdraft accounts, they still showed up in my XXXX XXXX XXXX Online account page. They continued to show a {$0.00} balance, so I had no way of knowing that I owed anything. Even after calling several times to close the account, it still appears on my online account. I have attempted to close this account at least twice and the associate on the phone confirmed it was closed. However, it still chows on my online page with a XXXX balance. 

I proceeded to contact XXXX XXXX XXXX customer service on XXXX via the XXXX number and immediately arranged payment for the outstanding amount of {$40.00}, which I was not aware was outstanding. I then called back asking how I could remove the mark from my credit score. After being transferred to no less than 5 departments after about 40 minutes, I asked to speak with a manager in the collections department and was connected with a woman named XXXX. She said I could submit my request to her via email which I did on XXXX. I never heard anything back, and called to request followup information on another day in XXXX. The woman I spoke with took notes on my account and noted that prior conversations had been documented and that I should receive something in the mail to confirm receipt of my complaint. I never received a letter in the mail, so I emailed the collections dept at XXXX to confirm they received my initial email. I have received no response from any of these efforts. 

Finally, I would like to note that I am moving to North Carolina in the coming months and plan to purchase a home, which will require a mortgage. The timing on this could not have been worse, as it has negatively affected my credit score by XXXX points. This obviously means a worse interest rate, costing me thousands of dollars -- over a missed payment for {$40.00} which I was never made aware of. 

Please remove the mark from my credit score as I do not believe I was properly made aware of the outstanding balance, and paid it off as soon as I was made aware ( through my own investigation after a significant mark on my credit report ). I have made over a decade of on-time payments to citizens bank and all other financial institutions with which I have done business. I have worked very hard to get my credit score above XXXX.
Product: Checking or savings account

When sending payments to my local yearly taxes, they will withhold my check for up to 3 months and never deliver the check to the tax office. thus creating big stress and painful worries, due to the check never arriving.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I disputed about XXXX XXXX XXXX. I contacted XXXX XXXX. They had my wrong address on file. I never received anything via mail. Just that it hit my credit report. I called several times to XXXX to try and correct the issue but XXXX an employee at XXXX in credit department said all I can do it dispute the problem I offered to pay the debt to get it off my credit report. XXXX said I couldnt I have to dispute. I disputed and it is still on my credit. I dont understand what they are trying to do other then hurt me for no reason. Its bad enough with Covid. XXXX has been fraudulent and misleading since day one. They are horrible to work with. I never once stayed at there facility or used my account. My credit otherwise is impeccable. There was no report till XX/XX/XXXX. The account was open in XX/XX/XXXX. I have been trying to cancel this timeshare since a week after I opened it. They have been giving me the run around. All fraud.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing Credit systems to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on  XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what  method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. Credit Systems did NOT validate this debt, All credit bureaus  have removed this acct except Experian
Product: Mortgage

In XXXX of XXXX I refinanced my house with Nations Lending ( who my previous mortgage was with ) to take advantage of equity in the house and pay off some debt. The loan officer XXXX XXXX worked up an initial loan estimate using a valuation of {$370000.00} which I indicated to him was too high. XXXX assured me that even if it came in lower they could still make it all work. The appraisal came in {$350000.00} which is where I told XXXX it would likely be. Then he came back and said they would not be able to pay off as much debt and the interest rate and payment would be slightly higher. When I pushed back and tried to ask about including more debt he said his hands were tied due to the loan to value. But in an email ( attached if I can ) on XX/XX/XXXX XXXX said " That being said what we can do is in 6 months, we can do a rate and term refinance. At that time, we will waive costs and just lower the rate for you. In 6 months, your credit will be much better from paying off the debts. This will allow for much better pricing, and we also anticipate rates to be lower then. This will all result in the payment dropping about {$300.00} a month at that time. For now, we can take advantage of the equity we do have before it lessons. Then in 6 months improve the rate. Unfortunately, this is the best we can do with the appraised value and style of home we have. '' In XX/XX/XXXX after making the 6 months of payments I emailed XXXX on XX/XX/XXXX to ask about the rate and term refinance he mentioned in his XXXX email. Later in the day on XX/XX/XXXX I emailed XXXX again as I was getting credit alerts that my credit was being pulled by a mortgage lender. At NO TIME did I authorize or know there would be a credit pull. XXXX did call me later and sent me a loan estimate with a valuation of {$380000.00} to do a conventional refinance with fees and appraisal costs. When I pushed back on what he said about a rate and term refinance he stopped responding. Several days later he sent me a text saying the best they could do would be an FHA refinance again with fees and an appraisal that would maybe save me {$170.00} a month. At no time during our exchanges after XXXX did XXXX acknowledge or address the email that he sent in XXXX. I filed a XXXX XXXX XXXX complaint and had XXXX XXXX reach out to me to discuss and she had a senior lender contact me by the name of XXXX XXXX. XXXX told me that I was part of a 5 year rate lock guarantee but there was nothing they could offer that would be better than what I currently have. XXXX again would not acknowledge or address the promises made in the email from XXXX from XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling them to remove my inquires and they wouldnt remove it. According to FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : BUREAU : TRANSUNION AND XXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX BALANCE : {$85000.00} ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX BALANCE : {$0.00} Petition # : XXXX XXXX Not Aware of Bankruptcy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX  Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX  Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.
Product: Bank account or service

I opened an account as part of a new account promotion : {$100.00} for receiving {$500.00} in direct deposits within 60 days. After the opening of the account, Wells Fargo stated that I enrolled in the promotion after it ended ( which is not true ) and was therefore ineligible for the bonus. In response to a previous complaint ( attached ), Wells Fargo stated to me and the CFPB that I would receive the bonus if I fulfilled the direct deposit requirement. After the requirements were fulfilled, Wells Fargo is now stating that I am ineligible for the bonus, and has not replied to my production of their previous response to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Innovis is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with XXXX XXXX that this was a pay for delete account. I paid in full after charge off but XXXX XXXX failed to stick to their end of the bargain and did not delete this account as agreed.
Product: Credit card or prepaid card

I paid {$700.00} on my Wells Fargo credit card for a XXXX XXXX XXXX furniture purchase. 
I was told by the credit bureau that only {$400.00} was applied to the principal. When I contact the company, they tell me all {$700.00} was applied to the principal, but the balance due, statement, and credit bureaus tell a different story. This was not applied correctly, and they are not even acknowledging an error occurred. This seems very deceptive and illegal.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & LVNV FUNDING LLC is reporting an allege collection that I refuse to pay. I did not receive my notice of my right to dispute this debt before it was added to my consumer report. Neither consumer agency provided me with any evidence they did a reasonable investigation to validate this debt.
Product: Money transfer, virtual currency, or money service

I deposited {$15000.00} into Robinhood on XX/XX/XXXX, the money did not become available until XX/XX/XXXX. Once the {$15000.00} became available I purchased a cryptocurrency called XXXX on XX/XX/XXXX. The next day on XX/XX/XXXX they restricted my account and withheld my money. Not letting me have access to it or withdraw it. Ive contacted them many times with no answers. They will not give me a reason for holding my funds and will not release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX, XXXX and XXXX.
Product: Debt collection

A collection was placed on my account on XX/XX/21. It states I owe XXXX XXXX XXXX XXXX .. They have 2 collections in place. One in the amount for {$1700.00} and {$1100.00}. This hospital is located in XXXX XXXX, TX. A place Ive never been. I have reached out to the fairs department at my XXXX  to dispute these collections.
Product: Checking or savings account

I was scammed on a phone call dated XXXX/XXXX/XXXX, I wired over $ XXXX to someone posing as XXXX XXXX. I am usually very diligent regarding scams ; however, this scammer called me from the XXXXXXXX XXXX customer service number ; therefore, I thought it was legitimate. 
I immediately reported it to XXXX XXXX 20-minutes after on XXXX/XXXXXXXX, and they did not notify the bank where my funds were transferred until the next day. XXXX tried to recall my money from Regions Bank ( Alabama ) the following day and continued to try for 28-days. However, Regions Bank will not respond to any of XXXX XXXX inquiries and XXXX XXXX  has now closed my investigation. I need help, I can not pay my bills as this was my life 's savings. 
I have attached my XXXX XXXX statement for the affected account, this account has since been closed by XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 bankruptcies show on my Trans Union credit report .I contacted the court they stated they DO NOT share any information with third party.So how is it Transunion continuously stating it has been verified. Through WHOM?
Product: Credit card or prepaid card

On XXXX XXXX XXXX 2018 my dog was attacked by a pitbull in an incident that left her XXXX XXXX XXXX. The vet said XXXX would be required and I did not have enough money in my savings so the vet assistants offered me care credit and gave me a pamphlet about it. The pamphlet stated that I would have 6 months interest free on purchases and afterwards a 26.99 apr rate. This wasnt too different from my other credit cards so I naively agreed to it before reading care credits reviews. I took the offer and put {$1000.00} on credit from the vet bill. I payed the minimum monthly payment the first 6 months and expected the monthly interest afterwards to be $ 20- {$30.00}. After 6 months my payments had brought my balance down to {$810.00}. Then the FIRST statement after the 6 months were up came back with a whopping {$130.00} interest charge on purchases. Bringing my balance to {$940.00}. Almost back up to what I initially owed before payments. First of all the pamphlet said the first 6 months were interest free. So either this company was overtly lying on their advertising or charged me incorrectly. Either way it is very disingenuous to not be clear to consumers as to what they are signing up for when they sign up for this card and outright predatory to do this to people who are in need of medical care for themselves or their pets. I would of happily applied for a reliable company like chase credit if I had known this would be the case.
Product: Credit reporting or other personal consumer reports

This letter is in response to your correspondence dated [ XX/XX/year> ] regarding my federal student loan accounts and their reporting practices. Upon reviewing my credit report and your response, I have identified serious concerns about the accuracy and legality of the reporting of my student loan data. These concerns stem from potential violations of the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and other federal statutes. I am writing to formally request immediate corrective action as detailed below. Please see the attached letter for further details.