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

I am filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( XXXX, Equifax, XXXX ). 

XXXX ; XXXX XXXX XXXXXXXX, XXXX, TX XXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

Equifax ; XXXX XXXX XXXX, XXXX, GA XXXX USPS expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' ( NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( XXXX, XXXX, Equifax ). 

Thank you, XXXX XXXX
Product: Mortgage

In the month of XX/XX/XXXX, I was laid off from work due to taking care of my mom who caught XXXX. As a result of taking care of my mother, I caught XXXX  myself. I took time off work to recover after I recovered I was informed by my Job I was laid off from work until XX/XX/XXXX. I contacted my mortgage company and sent my application for a modification and was informed they never received my application in the month of XXXX XXXX even though I have the certified copy of the mail that was sent. I then e-mailed the application in the month of XXXX I heard nothing back regarding my status until I called in the month of XXXX. It is now XXXX months later and Dovenmuehle is asking for bank statements for direct deposits for my paycheck ( Not Working ) copies of insurance payments ( which are impounded in my mortgage ) Letters from me explaining why I need assistance when I have explained the situation already. I feel like my mortgage company is wasting a lot of time so they can foreclose on my property as I have paid off more than half of my mortgage balance. my mortgage company keeps asking for documents already sent to them, they are also asking me to change dates on applications which I feel is assistive at this point. The attached documents are the last documents they have asked me for which I previously sent. I feel the mortgage company is trying to steal my home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted equifax multiple times in regards to removing whatever block that is on my credit report. This block is not allowing me or anyone else to pull my credit report ( in which I work extremely to keep accurate and in excellent standing ). Each time I speak to a representative they ensure me that it has been removed which is not true. I have escalated this issue to managers as well who have told me within XXXX hours everything will be available. This is all false and lies on a recorded lines. I called again tonight and was told my report was available I explained to the representative I could myself see that at the top of my credit report it states Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes he states this was showing on a old credit report and it I wanted to see it had been updated I needed to pay for monthly ultimates credit monitoring after receiving the link I signed up just to see my credit report still have the same note stated on the top of my report. I have submitted all documents requested to identify myself and still being treated and lie to as if Im a criminal to my own credit report.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

Southwest Credit collections made a payment arrangement with me in XX/XX/XXXX with preauthorized ACH payments for a XXXX debt I had after a divorce. The payments so far have been made on time and accordingly. When setting up arrangements I asked if this would impact my credit since I am satisfying the debt. The representative assured me since it was being taken care of and satisfied, then it would not be reported. The payment arrangement was 3 equal monthly payments totaling the amount owed, starting XX/XX/XXXX, with a final payment date of XX/XX/XXXX. When I checked my credit report in XX/XX/XXXX after the first payment, the agency had reported the debt. I called the agency to clarify there was payment arrangements made on the account and that I was told there wouldnt be any report to my credit. The agency said it wasnt there problem and they couldnt do anything about me getting false information. I had to pay it in full and they still wouldnt remove it from my credit even though they mistakenly did report it. Now my credit has gone down even further while Im trying to refinance my home to be more affordable after recently being divorced and being unemployed for almost a year. I finally am employed and am financially stable, so this has prevented me from making future adjustments because of the negative effects it had on my credit.
Product: Money transfer, virtual currency, or money service

I initiated my withdrawal on XX/XX/2022 and was informed that the funds would be available for withdrawal on XX/XX/2022. That has not happened as of today XX/XX/2022. 

When I asked Gemini for an honest straight answer as to when I would be able to withdraw my money I was given a washed-out reply that did not truthfully respond to my concern, saying that they had 'paused withdrawals temporarily '.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Mortgage

We have been trying to get a modification from XXXX XXXX XXXX since 2009 and they always denied it.
Product: Vehicle loan or lease

Issue is related to XXXX car and Chase holding loan. The car is not functional due to a software issue that XXXX is no allowing for any on site service that was previously promised. Chase is fully aware of the XXXX issues as many vehicles have been affected. Chase has been asked to Hold on the payment as my car is dead and XXXX is not providing any service.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( e ) 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 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX finance # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX California on XX/XX/2013, a previously unknown third party or person asked me to deposit a check in my checking account with XXXX  XXXX XXXX, he said that he has cashed his last allowed check at the XXXX XXXX XXXX XXXX XXXX XXXX, and that this was his last check and that he needed some money. I deposited it and the check did not cleared. It may have being stolen by that party from another, or altered in some manner in a way that I was unable to recognize. XXXX  XXXX XXXX frizzed my account they said for my protection, later on few days later they closed my account and reported me to Chex Systems ; and XXXX  XXXX that the account was closed for fraud activity ; intent to commit fraud ; fraud, or intent to transact in an illegal no allowed transaction in an an-authorized manner. This info has being on my reports for more than four years preventing me from open an account with another financial institution, personal or business, no even a savings account for my corporation ( XXXX XXXX , XXXX ) In many occasions I have disputed it, but XXXX XXXX XXXX, Chex Systems and XXXX  XXXX have refused to correct and remove the information.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX & XXXX XXXX XXXXdischarged Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Bank of America to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Bank of America to pull my credit on XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of XX/XX/XXXX
Product: Student loan

I have been reaching out to Sallie Mae for over a year to resolve this matter. 

I called to process a payment over the phone and the representative updated my bank account information with an incorrect number...

I was not made aware of the error until the payment was declined due to error message "Account Not Found"

I asked the rep on the phone to repeat the account number back several times; however, she ensure it was correct.

Well about 38 days later they updated credit report as late because of their own personal error on 3 of my accounts...
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting {$32000.00} as current balance on transunion but reports a current balance on Experian of {$33000.00}. They are also reporting no late payments and XXXX payment history on XXXX but reporting at least XXXX late payments on Experian. Please see attached. This XXXX is also a part of litigation as the engine blew and Insurance refused to cover it due to XXXX  concealing their engine issues. I am also in the process of filing suit against the dealership where the vehicle was purchased due to fraud and misrepresentation. A complaint has already been issued with the Alabama Attorney General. XXXX is currently in direct violation of the FCRA and of USC 15 section 1681 and are repeat offenders. They are also reporting " knowingly inaccurate and inconsistent information to the bureaus. This negative reporting status is causing financial hardship for myself and family as I am unable to apply for credit. This account is painting me in a negative light.
Product: Credit reporting or other personal consumer reports

I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by Trans Union, XXXX and XXXX.
Product: Mortgage

In XXXX of XXXX, I installed solar panels, and initiated a loan for the panels themselves through Loanpal. Shortly thereafter, I was contacted by a salesman for Loanpal, in the Mortgage department, who offered me a re-finance mortgage on my home, for which the sole purpose was to pay off the solar panel loan completely, and roll that into the mortgage. I dealt with the Loan Officer XXXX XXXX and the processor XXXX XXXX. During this time, my roof was also damaged by Hurricane Sally. This roof damage became important during the appraisal phase, but I was assured by XXXX and XXXX that if the appraisal was low because my roof had not been replaced yet, that could be handled. Regardless, the entire process of closing the Mortgage went fine, as far as I knew. There was NEVER any indication from Loanpal that my solar loan would not be FULLY paid off by the mortgage. Neither my wife nor myself would have agreed to go forward with the mortgage had we been told it would not pay the solar completely off. 
In XX/XX/XXXX, the mortgage has closed, and been sold to XXXX XXXX. I begin to get calls from Loanpal XXXX, indicating that I am behind on my solar payments. When I call to explain that they should speak with their mortgage division, they tell me that only PART of my solar loan was paid off, and that I still owe XXXX plus dollars for my solar loan. I contacted Mr. XXXX, and he insists that he and/or XXXX must have told me this, however neither my wife NOR I would have accepted these terms were we told. MrXXXX XXXX then insinuated that I must not have read my disclosure, as he claimed the disclosure made it clear that my solar loan would not be paid off not matter what deception might have happened verbally. I did go back and look at my disclosure, which did show the amount to be paid to Loanpal by Loanpal. {$36000.00}. However the disclosure document did NOT indicate that I would still owe on the solar loan, and I reasonable thought that Loanpal Mortgage was getting a discount on the payoff, as I was dealing with two divisions of the same company. I believe Loanpal uses deceptive practices to lure consumers into a loan under false pretenses, and I now have two loans, when all I ever wanted was to refinance my home based on the promise of paying off my solar loan. Again never ONE TIME did anyone from Loanpal tell me anything other than that my solar loan would be completely paid off by the refinance.
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Global lending service XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Global lending service XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request information about the verification method your bureau uses to confirm the accuracy of disputed items on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly ask for detailed information on the following : The specific method or process your bureau uses to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing transparency about the verification process. This information is essential for me to fully understand how disputed items on my credit report were confirmed as accurate.
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXX Account # 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. XXXX XXXX XXXXXXXX XXXX, fl XXXX XXXX XXXX {$740.00} Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX. Fhone XXXX
Product: Money transfer, virtual currency, or money service

My MoneyGram account was unfairly closed for baseless reasons and false alarm on their automated system, even after filing for appeal, it was not considered and they decided to close the account. l wanted to transfer around {$300.00} to my own bank account abroad. But after initiating the transaction MoneyGram suddenly closed my account based on false accusations, telling it was a high risk activity. I am not involved in any High risk activity, you can check and do any identity verification of you want. I am a genuine, clean and honest customer using the service to transfer between my own accounts. I can provide my bank statements or identity documents, paychecks/source of income if you would like to verify. The transfer was between my own XXXX XXXX Account in US  to My XXXX XXXX Bank Account in XXXX.