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

I recently submitted a request for investigation of the above noted account, 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 account though your company claims to has verified this. 

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 Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, 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
Product: Mortgage

Current Servicer : XXXX XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX New Servicer : Nationstar Mortgage LLC DBA Mr. Cooper Loan XXXX Customer Service XXXX Nationstar Mortgage d/b/a Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX There is no online payment process for me to complete payments. Given Mr. Cooper 's recent reprimanded collection/fraudulent practices, I want to have streamline payment practices available to me. 

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

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # # # # XXXX XXXX, 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 a account without my written instructions
Product: Checking or savings account

The bank keeps charging me fees of {$30.00} a month despite me continually telling them that I want a basic and not a premium checking account. This has been going on for two years.
Product: Credit reporting or other personal consumer reports

I used to have a Bank of America account a few years back. There was fraud on my account and after reporting it, they decided to close my account. The terms ended with no payments needed from either side. I tried to open a XXXX Checking account after having a XXXX Credit Card and they sent me the XXXX XXXX It had false information and stated I owe money. I called Bank of America and asked if I can speak with someone over the phone to fix this. They refused to send me paperwork from their end so I do not have proof to clear the XXXX XXXX
Product: Debt collection

I received a debt collection back in XXXX from IQ data international Inc. in the amount of {$120.00} reference number was XXXX in regards to avenues of XXXX XXXX apartment complex in XXXX, Florida. When I moved out of the apartment complex, I have pictures of how clean the house was etc.. I was never late on bills. Everything was paid, etc. well, I mightve been late one time in the very beginning, but thats because I didnt know how to pay rent and nobody would contact me back on how to pay rent after multiple phone calls emails and trying to go to the office. Anyway, I never received contact from the apartment complex after I moved out stating that I needed to pay money for whatever this bill is for when they had my forwarding address my phone number and my email all on file prior to me moving out, I have called multiple times. I have tried to go to the apartment complex nobodys ever there and I cant get anybody to contact me back in regards to this and it is now on my credit Because they never sent me the first bill in the mail. They just sent me to a debt collector.
Product: Debt collection

XX/XX/2022, United collection bureau has violated my consumer rights. Fair debt collection practices act laws have been broken by this company. I have attached documents for the C.F.P.B as proof of the violations. My affidavite and invoice are attache as well. I want monetary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency IQ Data international has repeatedly violated my fair credit reporting rights. I have filed a identity theft report with the Federal Trade commission which I have forwarded that report to IQ Data International so that the fraudulent collection account that they're reporting on my credit reports can be removed. They have not been in compliance for fair credit reporting by continuing to ignore my identity theft report which is a legal document from the FTC. By law they are required to remove this information and they continue to report it on my credit reports. I have once again attached a copy of this report along with this complaint to be forwarded to IQ Data international and ask that they comply with my rights as an identity theft victim and my rights to fair and accurate credit reporting, this is my final attempt before taking this issue to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully disputed an item from XXXX XXXX on my XXXX report. I sent the 609 letter to Equifax on XX/XX/2020, The item was removed from my XXXX report. I was upset to see the item from XXXX XXXX back on my XXXX my Equifax report.
Product: Credit card or prepaid card

I made a payment on the XXXX of XXXX the credit card company ( Aspire ) they said it takes two days to apply the payment and was pulled out of my account on the XXXX and today is the XXXX. Everyday I call they tell me it will be available the next day and the next day arrives and its not available and they keep giving me the run around and not releasing my funds. They keep repeating the same thing over and over without releasing my funds that I paid on the XXXXThey wont even call my bank to verify the funds have been withdrawn when it clearly has been. Im not sure what they are doing with my money but something doesnt seem right.
Product: Credit reporting or other personal consumer reports

There are two accounts. One is Jefferson capital for {$3000.00} that I have been trying to get removed from my credit report multiple times I sent them my documentation showing that I was in prison during the time that this was opened. They refuse to send me any documentationthat shows that I open the account. They sent me a statement. No signed documents nothing. The other account is. XXXX XXXX. XX/XX/year> I sent them the same documents showing I was in prison when this account was opened so there is no possible way that this account is mine and they refuse to remove it. All three credit bureaus refused to remove this off of my credit as well. They are both showing that they are the original creditor and that is incorrect. Because they are collection agencies. I dont know what else to do, but to file a complaint against all three credit bureaus for not removing this information as incorrect. The dates are incorrect. The amounts are incorrect and the person responsible for these are incorrect. Please help I dont know what else to do. I am trying to buy a house in the credit bureaus work for the companies, not for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 at XXXXXXXX XXXX XXXXXXXX, I called Chase Bank to inquire about a credit card transaction and the rep who answered gave me all the details I requested regarding my account without verifying my identity. I added a mandatory password to my account and asked for a supervisor. The supervisor, XXXX from the XXXX MO location, said she would file a complaint and have someone listen to the call but I would not get any updates or info regarding the resolution. She got rude with me and hung up in my face just because I was concerned for the protection of my personal data. 
I asked for a transcript of the call but she told me I had to get a court to subpoena the record if I wanted it and they would not release it to me. She also refused to give me the name of the original rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I signed up for a checking account with TD Bank in XX/XX/XXXX, while they had a " Earn {$300.00} '' offer for having {$2500.00} in direct deposits within 60 days. I fulfilled the requirements with two paychecks from my employer over {$3700.00}, but never received the bonus. 

In XX/XX/XXXX, I contacted TD Bank, who responded that " Upon review, our records show that your account did not receive the qualifying amount of direct deposits within 60 days. '' I argued otherwise, and then they claimed that " due to a promotional bonus earned on a prior account ... the account is not eligible for this promotion. '' I did have a prior account with TD Bank, but this was closed many years ago. At the time of signing up for this bonus offer in XX/XX/XXXX, there was no language to indicate that I would be excluded because I had previously earned a bonus. I have screenshots to prove this, and countless identical complaints from other consumers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 and the privacy act of 1974 states I have the right to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late credit for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for correction of a late payment on XXXX XXXX account I am writing to bring to your attention a critical issue regarding my credit report, specifically an inaccurate late payment entry that has been added. This erroneous information is affecting my ability to secure a home for my family, and I kindly request your immediate assistance in rectifying this matter. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate Reporting of Late Payment for the date of XX/XX/23 showing 30 days late. 
Resolution : Update payment to Current/terms met Firstly, I want to express my frustration and disappointment regarding the inclusion of a late payment on my credit report. As an XXXX XXXX XXXX XXXX XXXX  for the past three years, I have maintained an impeccable payment history with my credit union account, with no previous late payments. The late payment entry that now appears on my credit report is does not reflect my responsible financial behavior. 

It is essential to provide context for this isolated incident. During the period in question, I had to travel abroad due to a family emergency. Regrettably, this unforeseen circumstance resulted in limited access to my financial accounts and prevented me from making the payment on time. However, I promptly addressed the situation upon my return and made the payment immediately. 

This erroneous late payment entry has had significant repercussions on my financial standing. My mortgage lender has explicitly stated that they require the correction of this inaccurate information before they can proceed with approving our family for the home we have been eagerly seeking. 

I am reaching out to you, as the credit reporting agency responsible for maintaining the accuracy and integrity of credit reports, to urgently investigate this matter and correct the inaccurate late payment entry on my account. I kindly request that you update my credit report promptly to reflect the accurate and timely payment history associated with my account. 

Given the urgency of this matter and its impact on my family 's future, I sincerely hope you understand the gravity of the situation. I kindly ask for your immediate attention and resolution to rectify this discrepancy. Please provide written confirmation of the correction made to my credit report and notify me once the necessary actions have been taken. 

Thank you for your prompt assistance in resolving this matter. I trust in your commitment to accurate credit reporting and your dedication to ensuring the fair representation of individuals ' financial profiles. 

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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline of Events : XX/XX/23 - Received a correspondence " Statement of Credit Denial, Termination or Change from LoanDepot.com, LLC. 
a ) Never applied for a loan. 
b ) Letter states XXXX is the credit reporting bureau. 

XX/XX/23 - Called LoanDepot.com, LLC to explain this letter. Spoke with XXXX who tried to verify my information. I stated you sent me the letter so my name should be sufficient. Per XXXX, " their records showed I called them to inquire and phone call was a minute long. Not sure why you received the letter because there was no application, but my credit report shouldn't be harmed. '' I requested for any type of credit report pull to be removed. 

a ) This denial shows no dollar amount for the request. 
b ) The contact number for LoanDepot.com is not a working number. 
c ) The address for LoanDepot.com is not a working address. 
d ) Want credit report inquiry removed. Shows XXXX as the servicer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 at/ around XXXX central time zone I receiving a call from my bank notifying me of fraudulent activity on my account. They assured me it would be okay and that it would it would be taking care of. It was three adjustments in my account totaling {$900.00}. They also told me about hard resetting my account in which they reset my password. I was on the phone with them approximately 20-30 minutes and after the phone call was over. I tried to log back in to my online banking which I could not do so. I immediately contacted Navy federal again which I was on hold for an hour and unable to speak with anyone. The following day, XX/XX/2024 i went to the branch closest to me and notified them of the situation which seemed odd to me. They informed me they would looking into it & I should close my current accounts & reopen them. I did that on XX/XX/2024 and finalized the fraudulent activities on my account. I contacted Navy Federal XX/XX/XXXX regarding the issue and I was told it was my fault because I answered the phone call and that Navy federal would never contact me although that is not true because I had possible fraudulent activity previous to this and not only did navy federal texted me they also called me. The following day I went back to the branch closest to me to speak with someone in person about this issue. Not only did they not help me understand they were very condescending and told me I would have to transfer the funds to cover the {$900.00} overdraft due to the fraudulent activity. They also notified me that this has been happening and that they notified us regarding the issue in which I was not notified. They told me about a process in which I could file an appeal but it would take 20-30 business days & I couldnt go through the branch. I would have to email a department within Navy federal a form that is not available online. I would have to physically fill it out then scan it and email it in.
Product: Mortgage

I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.
Product: Credit card or prepaid card

I had an XXXX XXXX XXXX Mastercard issued by XXXX. 
In XX/XX/XXXXI received a notice that this account would be closed and replaced with an XXXX Visa Signature card issued by Elan Financial. 
On XX/XX/XXXX I was charged an annual fee of {$150.00} by XXXX for the period XX/XX/XXXX to XX/XX/XXXX ( paid {$150.00} for 26 days or service ). 
I contacted XXXX as I was concerned about paying an annual fee for less than 4 weeks of service without having any way of knowing what the new card was like. XXXX assured me that I could close the account within 60 days of the fee being charged and receive a full refund. 
When I received my new Elan Financial serviced Visa card in late XX/XX/XXXX I contacted them and they again assured me that I could cancel the card and receive the fee refund if I was not satisfied. 
I contacted Elan last week to ask about my card and ended the call assured that the account would be closed and that I would receive a refund of the annual fee. 
Today, XX/XX/XXXX, I am speaking to Elan and they advised that the account was closed but that they have no record of promising me a fee refund, nor that it is in process. 
Last spoke to supervisor XXXX  who advises she is unable to offer a refund at this time.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, NISSAN MOTOR ACCEPTANC add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian and XXXX asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXXXXXX XXXX XXXX XXXXXXXX or XXXX XXXX. I sent a letter to both the XXXX XXXX XXXX and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from Experian or XXXX. According to the FCRA all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from EXPERIAN AND XXXX reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of XXXX, inaccurate public information on my credit report. I was incarcerated the time this XXXX information was attached to my name. I have sent proof to both Experian and XXXX showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX XXXXXXXX # XXXX showing on Experian is not accurate and needs to be REMOVED asap for accuracy. XXXX XXXXXXXX # XXXX on XXXX is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.