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

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. They also violated my rights under 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 an account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to report fraud on my credit report. There is an inquiry by One Main Financial from XX/XX/2022. This is fraudulent activity. I did not engage in any business activity with the company and am not a customer. This is a false report that should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered several fraudulent accounts on my credit report that were created as a result of a data breach. On XXXX/XXXX/XXXX, I sent XXXX a formal requestciting my rights under 15 USC 1681c-2 ( a ) to delete and block these accounts. The disputed accounts include SELFINC/LEAD ( opened XX/XX/XXXX, {$140.00} ), XXXX XXXX  XXXX XX/XX/XXXX, {$520.00} ), XXXX  ( opened XX/XX/XXXX, {$750.00} ), XXXX  XXXX ( opened XX/XX/XXXX, {$250.00} ), SELF/LEAD ( opened XX/XX/XXXX, {$720.00} ), and XXXX XXXX XXXX  ( opened XX/XX/XXXX XXXX {$520.00} ). Despite providing all necessary documentation, XXXX has not removed these entries, which continues to negatively impact my credit.
Product: Checking or savings account

I was a victim of identity theft with Chase Bank. The fraud people attacked my account on my phone via email. Chase states that they will protect the consumer if this happens. Chase refunded the money to me and then reversed their decision a month later and with no notice to me withdrew the funds of over {$500.00} from my account. When I called their online fraud division, account superviser XXXX hung up on me.
Product: Credit card or prepaid card

I have a loan with COMENITY BANK/BOSTONST. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and COMENITY BANK/BOSTONST with no successful resolution. XXXX  and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 )
Product: Debt collection

The Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was sent a letter offering a settlement the for original debt was {$160.00} I was offered {$100.00} that was paid in full back in XX/XX/XXXX. The company still is reporting that I owe the difference which is {$58.00}. 

I have called several times and spoke with 2 agents both said that they it was settled and will fix the issue it never got fixed. The last young lady I spoke with this morning was very ruled and nasty. This debt has been settled, and I would like this balance removed and to appear on my credit reports as paid.
Product: Credit reporting

Equifax refuse to report my XXXX installment accounts. I have XXXX XXXX XXXX credit cards and XXXX XXXX XXXX auto acct and they are not reporting these paid accounts. I have contacted Equifax and they said they only report what 's given. XXXX XXXX states they have sent all of my acct info to Equifax. My credit score is low because Equifax want add these accounts. Equifax will report negative accounts quickly but wo n't report my accounts in good standing. They told me I couldnt dispute because the accounts must first be on my credit report. 

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here.
Product: Debt collection

On XXXX XXXX XXXX I received an alert from XXXX credit alert that an account was placed in collection by Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX , XXXX XXXX phone number XXXX XXXX. The amount of the debt was {$340.00} the original creditor name was XXXX XXXX XXXX. This company failed to notify or contact me pertaining to the debt to allow me the opportunity to dispute the debt, but instead reported to the credit bureau causing a negative impact on my credit score. This is the third company that tried to collect the debt for XXXX with each one sending the debt back to XXXX for validation. XXXX is attempting to charge for debt that I do not know they charge a month in advance for their services I was not at the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, moved out XX/XX/XXXX. XXXX was supposed to provide me service at my new address XXXX XXXX XXXX XXXX XXXX XXXX, but due to the fact that my daughter had already had service in the home already, they waited intill the day before the install date in XX/XX/XXXX to inform me that they could not install the service for me the day the connection was supposed to take place. XXXX is trying to charge for service that I did not receive. My XXXX account has always been paid up one time and there is no balance owed to XXXX.
Product: Credit reporting

I was denied credit by XXXX creditors in the past two weeks ( trying to build my credit again ) citing Experian 's report that my answers during the verification process possessed fraud indicators. The problem is n't my answers, it is their questions. They do n't apply to me. They had questions about a home loan. I 've never had a home loan. They asked which year my home was built. Again, I 've never owned a home. They asked a question about XXXX credit companies that I have never had accounts with. They asked about a phone number that had to have been over 20 years ago since I 've used so I could barely remember if I checked the correct one. They have then reported to both creditors that there was an alert for fraud. I have never done anything fraudulent in my life! Experian needs to stop this now and correct the information they 're using to verify my identity. None of it applies to me.
Product: Mortgage

To Consumer Finance Protection Bureau, and XXXX XXXXXXXX To whom it may concern, This is another complaint to CFPB and this is a rebuttal to USBANK from XX/XX/XXXX CFPB case number XXXX. XX/XX/XXXX. My complaint was that my husband and a lawyer went to see USBANK at XXXX XXXX XXXX, XXXX, Tennessee XXXX. The branch XXXX 's name on this date is and was XXXX XXXX. And wanted to have a sit down to discuss a payment plan for the 2 months behind on mortgage payments. They were informed that will not be seen even if they had an appointment. USBANK response on XX/XX/XXXX. Response from USBANK, in addition, we would like to apologize for not being able to set up a face-to-face mediation with us. In order for this to occur, you would have to had send your request in writing, your property must be within XXXX miles of a bank branch or servicing site, and a federal housing administrative ( FHA ) loan, your account meant none of these terms. And we meet none of these. 

The USBANK branch on XXXX XXXX, XXXX, XXXX, TN XXXX is exactly XXXX miles from our house. 
USBANK states that they have no proof that there was a miss handeling of funds to our mortgage. USBANK sent letter on XX/XX/XXXX of XXXX that {$2200.00} funds were misplaced. The reply to the escrow shortage and have been reversed and reapplied as this XX/XX/XXXX payment due to the errors on on your account, we have advanced funds in the amount of {$4800.00} on XX/XX/XXXX of XXXX and XX/XX/XXXX to bring your account current. Your suspense account is now at XXXX and payments have been applied correctly. We sincerely apologize for these errors, USBANK also states on XX/XX/XXXX, it was discovered that the terms on your modification documents were incorrect. The unpaid principal balance and note were input incorrectly, causing an incorrect payment amount on the documents. 
The complaint to consumer finance bureau protection about USBANK, XX/XX/XXXX. The damage to our property. The results of mold in our house have all been sent to USBANK. Which we contacted the demands from the bank for XXXX to do work to submit we requested a list of contractors they would have in this area due to trying XXXX different contractors. No one would touch our house due to USBANK not paying what is billed and being very slow and payment. USBANK when we requested this to our case XXXX and we requested the name of contractors, we were told they do not have any recommendations. 
I sent the entire final results from XXXX XXXX and the mold present in our house. No response, also filed complaint with TN XXXX XXXX XXXX. 
U.S. Bank also said they have no information of a denied modification. 
I am attaching the responses from U.S. Bank and the air quality report. 

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

Experian Section 15 U.S.Code 1692 { e ] False and Misleading Representation XXXX WHO is XXXX XXXX XXXX { XXXX } is scaming you to report this account again where you removed it a few years ago for lack of evidence and documentation By using the XXXX name Section1692 e { 14 } of the fair debt collection act, the XXXX circuit court states failure to use true name. Enclosed is case and the fraudulent effort to collect on a Alleged debt that I proved in the past was not mine and you removed it under XXXX, this explains why they refuse to show any documents also XXXX of Texas  refused you where notified by CFPB of these facts as they are witness to you getting the documents remove this fraudulent account at once 10 day to reply
Product: Credit card or prepaid card

I had two credit cards with Capital One bank ; both were set up on auto-payment and were in good standing for years and years until recently, when Capital One closed my account around XX/XX/2020. 

My auto-payments were tied to my Capital One checking account. Apparently the Retail Bank side of the business recently changed the ABA routing number for my checking account ( sometime in XXXX ). Once the retail side changed the ABA routing number, Capital One apparently started returning my auto-payments. During this process, no one from the bank reached out to me. It was only when I discovered my account was closed did I determine what had happened. This has caused undue harm because the Capital One credit cards were my main credit card accounts and the auto-payment had worked well for me for many many many years. I would like to bank to acknowledge they changed the ABA routing numbers and re-open my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online application at XXXX mortgage giving permission to pull my credit for a loan. Two weeks later, XXXX pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from XXXX mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
Product: Credit reporting or other personal consumer reports

I called the credit card company regarding them reporting on my credit report and found out that they only need the primary users consent to make changes to their card, such as authorizing another user. This company has stated multiple times on the same call that they do not require consent from the person being added just to the person who is the primary on the card, even though this would directly affect the newly added persons XXXX XXXX and credit reporting. This seems like a predatory practice as anybody could be added to a card as an authorized user and would directly affect their credit. 
My husband and I called about authorizing me soley to speak about balance and nothing else. We were not given any information about this showing on my credit and negatively impacting it. Had both of us been properly informed of this we would not have made the decision. I feel that this goes against XXXX regulatory practices and is again a predatory practice on behalf of this financial institution
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference CFPB complaint # XXXX,XXXX ; XXXX I stayed the same as in the first complaint. For the third time, Experian has closed the case, writing the same as in the first and second complaint. The only thing I 'm asking Experian is to give me evidence of the veracity of the information that appears on my credit. Experian answers that they verified with the creditors and that the information is correct. I ask again, where is the writing from each creditor that says that information is accurate? The law is clear : If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : USBANKRUPTCY XXXX : ACC # XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to  provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit. 

1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit card or prepaid card

An annual fee of {$140.00} was charged on this credit card by Banco Popular de Puerto Rico on XX/XX/2021. I cancelled this card on XX/XX/2021 which is only 2 weeks after annual fee posted. I called the bank for the refund of the annual fee, but the customer service declinded to refund my annual fee. They claim they can't do that once annual fee posted. The fees were paid in full by auto payment and I would like to get annual fee back.
Product: Money transfer, virtual currency, or money service

I have been using PayPal since XXXX for standard transactions ( paying for XXXX apps, clothing purchases with XXXX, sending money to friends/family ). On XX/XX/XXXX I received an email that my account was permanently limited and that I will no longer be able to use PayPal. After reviewing all my recent transactions, I can not find any issues that may have violated terms of service. I've attempted to contact PayPal through the message function on the website. I have only received general emails directing me to their resolution page, none of the information is helpful in reactivating my account.
Product: Credit card

I have been a navy federal member over 5 years now and an outstanding member to my bank. I am grateful and have maintained my payments, without knowledge of the banks policy I was completing payments on time, I did not know my account was going to close. I spoke with a representative he said pay more pay my credit down and I cant reopen the card. I was given false information. The fees that where added on my card with me explaining my situation and my home was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I live off of my credit and I try to use what I need, I have picked up more shifts and paying other credit cards down. Just need to know if this is true about my credit card.
Product: Mortgage

I received a letter dated XXXX stating because my loan was paid on time, I qualified for a recast that would lower my monthly payment and was totake effect on my XXXX XXXX payment. I have been working to resolve theissue and have spent 39 hours on the phone over 11 days. Nationstarhas not made any adjustments and/or provided the correct documentsregarding my recast. I received paperwork that was incorrect and did n't nnot reflect the amount quoted. Ive tried to resolve and work with themregarding the issue but can not find anyone with the knowledge to assistme. I was forced into paying the higher mortgage amount for XXXX with having written documentation that I would not have too.
Product: Debt collection

A debt collection agency is trying to collect a debt from a person that is not associated with me in any way. I have never owed an unpaid debt. The company has, since XXXX of this year, sent me five phone calls and two text messages from several different phone numbers, which manage to bypass the spam filters on my phone. In addition, they provided personal information of the person who they were attempting to collect a debt from without first verifying that they were contacting the correct person.