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

The information contained in your reporting to credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a. 
As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Product: Credit card

I was XXXX XXXX for a debt that I never incurred. I have tried several times to resolve this with the creditor and they refuse to provide proof of the debt simply stating that they are validating the debt.
Product: Debt collection

XXXX  Have received few dispute letter and police report they keep tell me it have been verified. My credit file have been freeze for more than 1 year. The collection company is Discover Bank. Amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX account is has been getting falsely reported as closed, and the balance has been fluctuating while closed.
Product: Payday loan, title loan, personal loan, or advance loan

This is the fourth request we have made to investigate this bank who hand in hand worked with a fraudulent solar company ( XXXX XXXX ) who preyed and persuaded vulnerable senior citizens like ourselves to get solar panels on their homes. 
These practices by Dividend Finance division of Fifth Third Bank are illegal and need to be addressed by your bureau. Your bureau is supposed to help citizens who are unable to get any satisfaction from financial companies that treat consumers fairly and as a result we are not being treated as so mentioned. We are helpless here and will be soon having difficulty paying for an inadequate solar system that we were promised would be XXXX cost monthly. 
Our individual story is an issue as the salesman XXXX XXXX  XXXX came to our home and knocked on our door in a gated community. We had cancelled the appointments when we read many negative reviews of XXXX XXXX. With this said the salesman on XX/XX/year> entered our community and persuaded us to hear him out. Even though we told him to leave. He lied and promised us we would have a XXXX bill and only pay {$80.00} a month. In XXXX this payment will increase, and we are having difficulty to pay this. At this time per our Attorney, we are paying UNDER PROTEST!!! 
We trusted this bank that is partnered with XXXX XXXX. 
XXXX  XXXX is bankrupt now and can not service us. 
We must have this loan cancelled or forgiven!! This is my FOURTH REQUEST!!
Product: Checking or savings account

On XX/XX/XXXX, I applied for an account with Kabbage by American Express. The account advertised a {$300.00} bonus upon meeting certain requirements, namely opening an account by XX/XX/XXXX and making 5 debit card purchases using the new account debit card. 

After I submitted my application on XX/XX/XXXX, I was asked to upload documents to verify identity ( a utility bill ). I did this promptly on the same day, and uploaded a utility bill on XX/XX/XXXX. The website displayed a message saying well get back to you in 5-7 days ''. 

There was no activity following my application after XX/XX/XXXX. Every time I visited the account status page, I got the message saying " we'll get back to you in 5-7 days ''. 

I emailed Kabbage on XX/XX/XXXX to inquire about the status of the account. I received an automated response and a case number for my inquiry. The case number was XXXX. 

I did not receive any response to this case, at all. At this time, I felt that this was not a bank worth dealing with but I opted to just wait. 

On XX/XX/XXXX, I received an email that my account was approved. I have attached a copy of that email message, which still promised {$300.00} upon making the 5 debit card payments. 

Given that I had applied well ahead of XX/XX/XXXX ( I applied on XX/XX/XXXX ), I felt that any delay was on the side of Kabbage, and I shouldn't have to be penalized or denied the promotional terms because of such delays. 

After I received my debit card, I funded the account and met the debit card purchase requirements. I expected to receive the bonus, but in XXXX the bonus was denied. I was told that I needed to have the account approved by XX/XX/XXXX. 

I found the experience so deceiving, because the delay associated with opening and approving my account was totally on Kabbage. I applied on XXXX and was asked for documents. I supplied those documents same day. They had plenty of time to approve the account, regardless of how many applications they were receiving, and regardless the terms should honor any applications submitted by XX/XX/XXXX, not approved by XX/XX/XXXX. 

How are the 10,000 applicants that ( hypothetically ) applied between XX/XX/XXXX and XX/XX/XXXX assured that Kabbage didn't just decide to stop processing approvals until after XX/XX/XXXX, because waiting until then would give them an OUT from having to fulfill the promotion terms? 

This is the deceitful part and I want them to go back and make it right for customers like me who applied in good faith, and met the requirements in good faith. 

I have called Kabbage twice, and I'm told my name was passed to a manager. They're supposedly aware of this screw-up, and I was told someone would be in touch with me to make this right. I never heard back the first time I called and was told this, so I called again in XXXX, only to be told the same thing ( my info would be passed to a manager ). To date ( and it's end of XXXX ) I have not heard anything else. My bonus has not been awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX, XXXX, CoreLogic, XXXX XXXX. Please remvoe the following addresses : 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
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/XXXX NSS : XXXX SECURITY FREEZE
Product: Debt collection

Lend-mark has been constantly pulling me credit report each month however ive disputed inquiries from this company several times. They are calling threatening me threatening my mom, my kids and my co workers This company has been harassing me for 9 months straight non-stop. on XX/XX/2019 the company pulled another hard inquiry without my consent this is the 4th inquiry pulled from this company without my consent
Product: Credit card or prepaid card

In XXXX, I applied for an credit card with Wells Fargo Bank. The account was to be used for a balance transfer. The amount of the transfer I requested was XXXX. I was given a credit limit of XXXX dollars. I requested that this transaction go to XXXX XXXX XXXX. I provided Wells Fargo with my Card number. After waiting approximately three weeks I noticed that the new Wells Fargo account showed the XXXX dollars on my statement, but I did not see any credit for that amount on the XXXX XXXX account. I spoke with Wells Fargo customer service and found that they had transferred the money to the wrong account. It seems that there was an error in the last digit of the account number. XXXX  XXXX stated that the number they used was non existent. Wells Fargo does not want to take responsibility for this error even though they were the ones who did the transfer. I have been trying to get this resolved since XXXX to no avail. I am currently paying both financial institutions. I want Wells Fargo to credit my account. This is putting me in a real bind. I am a senior with very limited income. I am hoping you can help me with this issue as I am getting nowhere and I have been making double payments. I hope I explained this in a way that you can understand if not please call me. XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purched a new car and was put on my fiance insurance. And was told that I had an accident on XX/XX/2017. I have never had a license or driven in my life. I called lexisNexis on the XXXX of XXXX to dispute the accident claim and was told that it happened to a person with the same name but opposite gender as me in a state I've never resided in. A month later I was informed that the dispute was denied due to my relation with someone I do not know. I have reopened the claim on XX/XX/XXXX and got denied again and reopend on XX/XX/XXXX and currently have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the following Items removed now! 

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

Refinance of mortgage with interest rate originally at 2.75 %, closing disclosure docs sent had cash to borrower {$1200.00} higher than what we received ; this was after we asked the interest rate to be dropped to 2.5 %. The drop in interest rate should not have affected our closing costs or cash to borrower total, as we were told that we had the ability to request a rate decrease at any point during the application process. Since the increase in closing costs occurred after our request to reduce the rate, and this was not disclosed to us XXXX we did not receive the updated Closing Disclosure ) before closing, we feel NFCU was not forthright in disclosing the costs of the loan XX/XX/XXXX - email from processor stating closing was scheduled for XX/XX/XXXX. Closing docs were sent via on-line banking ; the closing disclosure showed {$58000.00} cash to borrower with closing costs of {$4400.00}. 

XX/XX/XXXX - I emailed processor asking rate to be changed to lower interest rate of 2.5 % XX/XX/XXXX - processor emailed stating rate had been lowered with same discount points and origination fee XX/XX/XXXX - Closing date scheduled for XX/XX/XXXX XX/XX/XXXX - I left voice mail and sent email to processor stating that updated closing docs had not been received and that our closing was scheduled for XX/XX/XXXX. XXXX was an email from processor stating she didn't know what I was referring to. This was over the weekend and our closing was scheduled for first thing Monday morning. 

XX/XX/XXXX - at closing, Closing Disclosure showed cash to borrower {$57000.00} with closing costs of {$5600.00}. The majority of the difference was found in the lender credits ( section J of Closing Disclosure ) ; disclosure sent XX/XX/XXXX showed credit of {$1200.00}, disclosure shown to us by attorney at closing on XX/XX/XXXX showed {$53.00}. 

At closing we contacted Navy Federal Credit Union for clarification, the processor could not explain the difference to our satisfaction. After speaking with a supervisor, she stated that this had been a system error on the disclosure that was sent to us on XX/XX/XXXX and she was not sure why we had not received the updated disclosure.
Product: Payday loan, title loan, or personal loan

ally from XXXX PA unlawfully submitted a loan on my behalf. I never applied for a loan with them. ally claimed that they had incomplete information on my personal records but still reported to the major credit companies that I applied for a loan, that I never authorized. Without my authority and without ally having any information on me they gave the credit bureaus fraudulent information against me. They sold my information to credit companies. They hired staff to harass and stain my credit history. ally is in the business of selling fraudulent information. the letter enclosed proves it.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information it has been over 30 days and i still have no response. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1500.00} I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I received a notice from my bank Juno on XX/XX/XXXX that they had frozen XXXX incoming funds with no reason stated. On XX/XX/XXXX they sent a statement that they had frozen everyone 's ACH as well as the ability to use the debit card or make withdrawals. Juno has blamed XXXX XXXX  and XXXX ( FDIC bank ) saying they froze the access to my account with Juno. 

I had my paycheck and incoming credit card payments coming in XX/XX/XXXX and they are not coming in. There is nothing in my account. Of course I changed my account with payroll and vendors, but I have almost {$3000.00} that is vanished. This is insane. There's no access to the funds. How can this be? It's not only affecting me but millions of account holders. You need to take immediate steps to light a fire and get this resolved.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear LVNV FUNDING LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

I requested a copy of my credit report through XXXX  and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by Jefferson Capital Systems. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with XXXX and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that XXXX, Jefferson Capital Systems, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
Product: Debt collection

As of today XX/XX/2023 Ally Financial has called my phone 5 time and I have continued to explain my problem and I have been very cordule to the persons and they state that they are to comply with the request of not calling but that is a lie and I have still phone calls from different phone numbers but my caller ID states it is this company.

I am noting with a log of the date and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX Experian explained to me that they would not except my dispute because they feel its from a third-party. 
I continuously explain to them that the dispute did not come from I sent them my ID verification I also sent them documentation for address verification They told me to dispute over the phone or online I explain to them that I did not want to dispute over the phone or online because I did not want to give up my rights Please re-investigate this matter and remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/2013 XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was unaware of the notice originally sent regarding payment. When I received a call from Conserve to collect the debt, I was put on a payment plan. I payed 3 months of the {$140.00} payments and paid the remaining {$1100.00} the XXXX month. 

I am now working with a law firm to remove the negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Smart Move is reporting that I have an eviction filing that falls under their eviction proceeding report. I have never held an eviction and the filing for this case was dismissed.
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 updated for erroneous reporting in my file and 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 XXXX XXXX XXXX XXXX XXXX