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

I am a federally protected consumer, and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on the bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines.

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this account my consumer report. 

ACCOUNT : XXXX XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and Transunion removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.
Product: Mortgage

XX/XX/19 Thurs XXXX got an email saying partial payment rcvd but would be held in suspense account XXXX said there was enough money to apply the payment they can gather up from suspense account and apply to her account XXXX says it probably got applied the same day that they put in suspense and overlap. 

XX/XX/19 Monday XXXX always goes into the branch and take it directly out of her checking account and apply it to loan. 

XXXX says there is a 1 day delay when making it at the branch teller has options on how to apply the payment and they can put it into suspense account he says the teller probably put it into suspense account. Then it was applied to the loan XX/XX/19 Tues it posted Confusing as to why it posted and 2 days later she got an email saying it was applied to suspense No notification went out to XXXX stating that it was all an overlap and the XXXX payment actually posted. 



XXXX said because of the active foreclosure he cant take a payment for XXXX It needs to go through underwriting and do the review process Noted to XXXX that when a big banking institution tells a homeowner that they did not apply the payment and not notifying them of correcting the error, that seems like it could be some sort of Consumer Loan Act violation or deceptive practices. Not that we were filing complaints but that XXXX could. 



Asked XXXX about FHA maybe being able to take a payment to get her but he said no since it was over 90 days delinquent XXXX Customer Care and Recovery Group they would like to speak with XXXX so that she can suggest they put a new process in place letting her know the email was all in error and had actually applied her payment
Product: Money transfer, virtual currency, or money service

On XX/XX/22 was trying to sell a futon in XXXX XXXX. Someone contacted me to buy the furniture and wanted to send me a Zelle payment before pickup. I have never used Zelle before, so when I got an email from " Zelle '' it looked legitimate and it said that my payment of {$200.00} was on hold and needed to be verified before I would receive it, and it said the sender would need to send an additional {$500.00} to verify it's a real transaction. At this time the sender was on the phone with me, telling me this happens all the time and this is what happens with Zelle. The sendder also said his name was not who I was talking to originally on XXXX. Once he allegedly sent the {$500.00} I got another email from Zelle saying I needed to send the {$500.00} back to him to be refunded and I would get the full {$700.00} deposited into my account, and I would need to send proof of payment to Zelle, which I did. Then I got another email saying the payment was not approved and it was actually supposed to go the the Zelle accountant for verification and I would get refunded the {$1200.00} once they verified the account was real. At this point I knew I was scammed. The man hung up, and I immediately started calling my bank to cancel the transactions. The man called back after sending another bogus Zelle email to give them another {$1000.00}. I told the man the email said he's now supposed to send me the {$1000.00} which he didn't believe and I told him " look, I know you're a scammer, just send me my {$1000.00} back please '' to which he didn't and hung up on me. I spoke to my bank to try to cancel the transactions and they put in an investigation to dispute the claims.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to BSI FINANCIAL SERVICES for allowing inaccurate information to reflect on my account to my credit reports and for no corrective actions taken on this inaccuracies. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have received and read your response on my complaint, but I paid before the due date last XXXX XXXX XXXX XXXX XXXX and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX opened on XX/XX/XXXX account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a credit card account opened at XXXX opened on XX/XX/XXXX, account number ( XXXX ), XXXX XXXX opened on XX/XX/XXXX, account number ( XXXX ), an XXXX XXXX account for XXXX XXXX XXXX opened on XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCAM ALERT! 
Fortiva Credit Card ( https : XXXX? XXXX #! ) Phone number : XXXX ( XXXX ) XXXX Claiming I owe money on a credit card I never opened ( {$64.00}, in an account labeled XXXX, under a name that is not mine ( XXXX XXXX ). Unsolicited text messages. Ultimately a scam, do not respond or pay any amount. 

Website asks for routing number to bank accounts, account numbers, account types and credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the accounts that I am having issues with.XXXX  XXXX  XXXXXXXX XXXX acc # XXXX 
XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX. 
XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 
{$1500.00} acc # XXXX. 

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 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years 15U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.
Product: Mortgage

Property in controversy is the main home of my family and we are interested in considering the options in full to be able to retain it. For this reason, on XX/XX/XXXX, we began the loss mitigation process " Loss Mitigation '' with Ditech Financial LLC. 

From XX/XX/XXXX to XX/XX/XXXX, all mortgage payments were made and collected by Ditech. Including, the payments corresponding to the months of XXXX and XXXX of XXXX were sent to Ditech but for reasons that we do not know they refused to collect them and they were returned. 

Due to Ditech 's delay in responding to the request for mitigation of losses and refusal to collect the months of XXXX and XXXX, we were obliged to file a complaint with the Office of the Commissioner of Financial Institutions ( OCIF ) case number XXXX dated XXXX XXXX, XXXX. 

After the complaint to the OCIF, Ditech sent us two communications requesting the filing of the loss mitigation forms again and the updating of the documents requested with the petition. Again, all documents were sent via fax, mail and via the company 's Internet service on XX/XX/XXXX. The two filing processes were conducted using One Stop Housing Agency 's counseling in XXXX XXXX.
Product: Mortgage

I applied for a Making Home Affordable to get my interest rate lowered. But they would not give it to us. But they lowered it from 9.8 to 8.875 at the time ( MHA ) Making Home Affordable rates was much lower. US Bank would not give us that type of loan. We applied over and over again for years. They would say we forgot a from or didn't sing it just anything to stop us from getting a lower rate. We feel it was because we are XXXX.
Product: Credit reporting

My name is XXXX XXXX. I was born XXXX - called XXXX since elementary school. I have my certified birth certificate, my driver 's license and my social security card. 
I sent copies to the credit reporting agencies. I was a victim of identity theft when XXXX and I wanted to clear a reference to XXXX that has been showing on the credit file. XXXX resolved the matter but Equifax send a letter in response to my certified request and attachments. In the letter dated XXXX XXXX, 2016, Equifax makes a request to send the identical information and attachment again. I would appreciate assistance so as to not create repetition.
Product: Credit card

Violating the Equal Credit Opportunity Act and Consumer Credit Protection Act by discrimination due to good faith exercising my rights under the Consumer Credit Protection Act and withholding my access to my securities which constitute Securities Fraud! This is unlawful and unethical activity being carried out involving discrimination and securities fraud!
Product: Credit reporting or other personal consumer reports

XXXX has ran my consumer report without my authorization on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, and again on XX/XX/XXXX, I received a notice I was impacted by the Equifax Data Breach Settlement. I submitted my claim form for the Equifax data leak, along with my change of address. Since then, I have submitted several forms, but they refuse to acknowledge that I am part of the settlement. I have all the paperwork for my claim submission ; however, they continue to deny my compensation. The Equifax settlement operator insists that I am not part of the settlement. At one point, I was told they couldn't find my claim, and then I was informed that it was submitted after the due date, despite my claim clearly stating that it was submitted on XX/XX/XXXX, well before the XX/XX/XXXX deadline for paperwork submission. 

Additionally, I have proof that I was impacted by the breach, but they will not accept my evidence, which includes the dates filed, the receipt received, and all corresponding emails. It is frustrating that I can demonstrate my claim was filed before the deadline, yet they refuse to recognize it. 

Why won't Equifax take responsibility for their wrongdoing, especially when the documentation clearly shows that my claim was submitted on time? I have been fighting this matter since XX/XX/XXXX and have all the necessary records. I urgently request your assistance in resolving this issue, as this credit company refuses to acknowledge its errors.
Product: Debt collection

After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no  judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For tax year XXXX, the mortgage company - Guaranteed Rate - issued XXXX XXXX. The finally correct XXXX didn't arrive until far past the deadline to file my tax returns. The first XXXX XXXX were wrong. The final corrected XXXX was issued after XX/XX/XXXX The lateness caused my tax returns to be amended. I forwarded the bills to get reimbursement for my amended returns on XX/XX/XXXX and the last update I received on XX/XX/XXXX was " Your request for reimbursement was declined because you filed a claim for too much money so the committee declined to give you any reimbursement but I'll keep trying and escalate it further. ". 

Breakdown of claim : personal return XXXX  {$450.00}, XXXX XXXX  {$400.00} XXXX XXXX {$170.00} Times XXXX for my time ( as we previously discussed ) {$1000.00} TOTAL CLAIM : {$2000.00} My position is taking over two months to obtain the money they owe me unreasonable and the need motivation to be compliant with the law from a regulatory agency.
Product: Credit card

I am not sure who this company is and what theyre requesting. All my credit bill are paid on time, so not sure who this company is and why theyre reporting different. 
Also, since they have violated credit laws by contacting a minor ; XX/XX/XXXX must remove all information from credit report. 

XX/XX/XXXXXXXX
Product: Credit card

In XXXX 2015 I opened a US Bank XXXX credit card with the zero percent balance transfer rate for 15 months. After the balance transfer and setting up automatic payments on the card I was charged interest every single month. I had to continually call to have the interest removed. Us Bank agreed it was their mistake and removed the charges as you can see from the attached file. The last three interest charges have not been removed, and when I call back they refuse to remove them, or one agent just hung up on me. I have my original card member agreement, and it states that I should get the rate as promised. This has been a terrible experience, and I am now forced to pay off the balance as of this date to avoid being overcharged every month in the future since US Bank has failed to honor their banking advertisement The charges are XXXX {$82.00} XXXX {$77.00} XXXX {$77.00} Us Bank stated that although I set up automatic payments, that they failed to credit the first payment on time. Once the first automatic payment has failed, they then begin charging interest in violation of the agreement. It appears that the failure of Us Bank automatic payments system is standard operating procedure to defraud people, and allow them to not honor the zero percent interest agreement. 

I filed a complaint with the better business bureau, and Us Bank did not address the failure of the automatic payment system, but instead attempted to put the blame on my by saying it went to collections, which of course was not the case. 

Enclosed is the original credit card agreement where they promised zero interest and failed to deliver as written. 

I was never late in paying them. I am never late in paying any credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Asset Recovery Solutions , LLC is trying to collect a credit card debt that is not mine. Someone stole my information and opened a XXXX XXXX XXXX card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
XXXX XXXX has been trying to take money out of my XXXXXXXX XXXX account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with XXXX XXXX and now Asset Recovery Solutions , LLC is calling my wife for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the  courts that I had exhausted and documented all my actions to resolve this fraud account.
Product: Checking or savings account

I made a deposit on XX/XX/23 at XXXX XXXX in the amount of XXXX. There were XXXX tellers and XXXX person behind the teller line watching. I was at the teller who had a mask on. She asked if I wanted to cash the check. They told me before that I couldn't do that. I said I'll make a deposit. She would not tell me when it would be available. My receipt shows the deposit amount correctly it shows credit pending posts on XX/XX/23. Available now is XXXX available balance is XXXX. Now it shows online my money is not available until XX/XX/23. I asked the teller with the mask on if the reason for the mask was a personal decision. She said yes.