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

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report. 

Please review the attached letter for details. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2017 This is was in inquiry placed on my credit and i do not recall giving authorization on providing consent for this company to check my credit. it shows as a hard inquiry on my credit and i would like to get it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$36000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} XXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Product: Debt collection

On XX/XX/2024 Credence resource mailed me a letter ( reference number XXXX ) concerning a debt and provided me with the option to dispute the debt by XX/XX/2024 or they would assume the debt to be correct. However onXX/XX/2024 Credence Resource opened a collection account on my XXXX consumer report. On XX/XX/2024 I mailed credence resource a letter disputing the debt and asking for them to verify the debt. On XX/XX/2024 I also contacted credence resource at XXXX and spoke with XXXX XXXX who told me that it was my responsibility to prove that the debt was not mine. Since I was unable to prove the debt was not mine, XXXX told me that they would continue with their debt collection process. According to the CPFB a debt collector must wait a reasonable amount of time after mailing a letter before reporting any debt to a credit reporting company. In this case, credence resource reported to the credit reporting company, 2 days prior to the date of the notice they mailed me. They also failed to provide me with a validation notice as requested in my response letter and during my phone call with XXXX XXXX. This company has violated XXXX U.S. CXXXX  XXXX and caused harm to my consumer report. I have made the above attempts to resolve this issue with credence resource but they continue to violate my rights. For the above violations listed I am entitled to {$1000.00}. I am requesting that they compensate me and remove these accounts immediately.
Product: Checking or savings account

We ask to the government and federal Reserved & FDIC regulators and all possible regulators to review BB & T business practices as it looks like they are closing business accounts and hold funds for indefinite period of time!! They keep using clients funds and delay the payment of the funds for indefinite period of time. As the law allows them, this bank provides NO evidence or reason to close our relation which we understand they have the right to do so. No bank is obligate to provide a reason for the closing accounts, but most of the honorable banks in this country will provide a 14 days notice and return the funds to clients, now it looks like this is not on BB & T business practices. Also, we are unaware if this bank due to our country of origin XXXX or religion XXXX has decided to stop doing business with us. 

CFPB should advise make it public ALL clients and business clients to be aware of BB & T Business practices!!. Since XX/XX/2018 this bank without any notification closed all our accounts and provide NO evidence or response at ALL of what is the situation, they have ransom more than 6 figures and we personally wrote an email to Mr. XXXX XXXX CEO of the bank and up to today, XX/XX/XXXX and it seems like Mr. XXXX is too business so the bank has some financial difficulties that is pushing them to have this type of business practice! 

Our business has obligation, payments, suppliers and it seems that they do not have any principles of conduction business!! This is INCREDIBLE that a bank closes an account without any notice and now uses clients funds and does not even provide a simple letter to consumers! It is concerning that a bank takes this type of business practices without any penalties! It is a dictatorship system that we are obligated to do what financial institutions decide and want without any WAY to get assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had hospital bills and credit cards was on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXXletter for which they have approved to remove this delinquency, but experian is not removing and does not cooperate, the other two bureaus have already removed except experian. 
thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I FIle a dispute with Experian Credit Agency, as they have a Report from XXXX XXXX there. XXXX and I had a dispute for a car got into an accident which XXXX sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash. 
I disute with XXXX through XXXX and was at the middle of trying to negotiating, I did offer XXXX to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. XXXX Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO EXPERIAN THAT XXXX needs to delete everything from my credit report as they sold this account and Experian has not removed it. 

XXXX needs to remove it as it is ilegal to remove it also Thank you
Product: Mortgage

Chase bank refused to sign and return the reaffirmation agreement to our attorney over a span of XXXX months from XX/XX/XXXX-XX/XX/XXXX in order to complete a bankruptcy filing. We repeatedly expressed our desire to keep the home, had been making our normal monthly payments directly to Chase, and called numerous times to remedy the problem. As recently as today, I attempted to call Chase to get a copy of the reaffirmation agreement, since it was never returned to my attorney, and they stated that they do not furnish that information to anyone. They suggested I contact my attorney again ( who never had luck getting the paperwork either ). This is preventing us from having our on time mortgage payments listed on our credit report and is holding up our attempts to refinance our home. We have paid on time every month since the bankruptcy discharge XX/XX/XXXX and our credit reports do not reflect this positive payment history as a result of Chase 's unwillingness to provide necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Private Party car loan at XXXX XXXX XXXX on XX/XX/2019, at their agency located XXXX XXXX XXXX XXXX, XXXX, Texas. 
I got approved based on my credit score and got the approval letter. 
Then I got someone from the back office that asked me 4 security questions based on my credit report. They use solely Experian. After answering, Experian denied my loan wrongfully following my answers which were accurate. 
I succeeded to negotiate a second series of questions, but I got the same result with different questions, denied, while I answered accurately to their questions. 
I called several times Experian on the phone. It's extremely difficult to get hold of someone in that company. Their call bots are everywhere avoiding you to get hold of someone. 
Finally, after trying several numbers and combination of call bots options, I got hold of someone at the dispute service by dialing XXXX XXXX XXXX XXXX # XXXX. 
I asked to this person if the questions where matching with my credit report. It appeared that my answers were accurate while I got declined. 
I asked to be put in contact with anyone in charge of the security question engine, to see if there is an error in their process and if I will have to go through another decline next time I will try to verify an approved loan by another bank which is using solely Experian ( like XXXX XXXX XXXX ). 
Experian told me that there is no-one I can contact to study the issue. Not an engineer, not a supervisor, no one is in charge of their questions generator. 
Now that XXXX XXXX XXXX denied my loan due to Experian security questions, I don't have any way to fix the issue with XXXX XXXX XXXX while I was on site with my banker who confirmed my identity by using my driver license and passport. 
A credit score and report agency should be used as a proof of my ability to finance and pay on time my loans, mortgages, bills and credit cards. Which they did validate, since I got approved A credit report agency is NOT an identity verification authority. My SSN is NOT an identity card. 
I would like to file a complaint against Experian, that is wrongfully blocking me to get a crucial loan due to their wrongly generated " security questions ''. 
Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 4, 30 day lates appear against my credit report, with XXXX, equifax and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with TransUnion that XXXX & XXXX are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, TransUnion claimed I disputed the XXXX XXXX & XXXX 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves TransUnion NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided TransUnion with documents directly from the IRS confirming both XXXX and XXXX filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to TransUnion, XXXX or XXXX. Both XXXX and XXXX lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, XXXX had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance XXXX was reporting and continually verifying as accurate, by their own omission was NOT accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquires and XXXX XXXX XXXX I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

Reference # JEFFERSON CAPITAL SYST Number # XXXX ( Open date:XXXXXXXX  ) Amount {$2900.00} NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Credit Collection Service I , XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VERIFIED BY ME! HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX on or around XX/XX/year>, I was the XX/XX/XXXX involving a vehicle loan application that I neither initiated nor authorized. The credit agency involved, XXXX XXXX XXXX XXXX, performed a hard inquiry on my credit report without my consent.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report has inaccurate information on all three credit reports. I have been a victim of many data breaches as well and taking care of them before any more damages
Product: Mortgage

I refinanced my Mortgage in XXXX. Then in XXXX HSBC bought the Mortgage. I borrowed 100 % of the value on the home, which was {$150000.00} and have been paying on this mortgage for 13 years. Because of penalties and late payments and added on interest, I still owe over {$140000.00} according to HSBC on the original loan. I have asked and requested several times for them to work with me to lower my interest rate only to be rejected by them. I recently had my home appraised and the value came back as {$130000.00}, so as result I am underwater on this Mortgage with no light at the end of the tunnel. I am currently paying a 7.125 % interest rate. Interest for XXXX XXXX is {$780.00} and principal is {$280.00} = {$1000.00} + {$160.00} ( Taxes ) = {$1200.00}. At this rate I will most likely never be able to repay the Mortgage. The original Mortgage does not show up on the reports, which I find suspicious. I feel HSBC is a predatory lender especially since they have laundered money for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical debt collection company ( XXXX XXXX XXXX out of Indiana ) sent me a letter in XXXX indicating that they had requested for the 2 delinquent accounts to be removed from all 3 credit bureaus. Everyone removed them except Equifax. I disputed the account with Equifax ( for a third time ) after receiving the letter from XXXX XXXX XXXX and attached the letter to the dispute in late XXXX. Equifax still did not remove the two items. Additionally, I filed a complaint with the Better Business Bureau against XXXX XXXX XXXX because the accounts were not being removed. XXXX XXXX XXXX indicated during the BBB investigation that they sent 2 additional requests for deletion to Equifax and that there was nothing more they could do -- that it was a problem that I would have to take up with Equifax. Equifax has yet to remove these two entries and they are still being reported.
Product: Debt collection

I was notified by my credit monitoring company that two derogatory remarks, collection accounts have been added to my account by Bay Area Credit Services. They state they are from XXXX XXXX XXXX but can not give me any additional information. I have called three times, the first two times Bay area Credit could not find any information, the third found the debt and was supposed to email me a statement which I have not received. I have also emailed Bay Area Credit and not gotten a response. I do not know what this debt is nor have I gotten previous attempts from anyone to collect it. I do not have invoices or statements from anyone that I am aware of. Bay area Credit put a derogatory remark on my credit file which dropped my credit score and they can not give me any information as to what this bill is for.
Product: Mortgage

On XX/XX/XXXX I was effected by Hurricane Harvy. I contacted my mortgage company and they put me on forbidden plan. We agreed that, I will have 4-6 months to pay my balance. On XX/XX/XXXX I called the bank to discus my account info and they asked me if I can make any payments, so I decided to pay a good faith payment of {$3500.00}. On XX/XX/XXXX I called and I paid {$7000.00} which is 14 days before my payment that scheduled on XX/XX/XXXX I was surprised that, they reported me as past due 60 days and that effected my credit score. I do not agree with that at all. My credit report was mentioned as effected by natural disaster and I lost my house and business. I made my full payment and bring my account current. There is no reason to be negative reported. All payments and pics are available and were uploaded. This negative report will raise the risk of me been past due in the future. I may loss my work and this could lead to struggling for the future payments.
Product: Debt collection

i sent a debt validation letter 2 times on XXXX XXXX and each time this company ( merchants credit guide ) XXXX XXXX XXXX XXXX # XXXX XXXX illinois XXXX has failed to validate my debt. instead they sent me a list of my medical records which i know is a direct violation of HIPPA regulations. Never signed a HIPPA form authorizing them to have it to have access to this information. please delete this information from my credit file cease all collection activities immediately.
Product: Credit card or prepaid card

Signed up for Frontier Airlines credit card. Missed a payment due to lack of receiving a monthly statement or even notification that a payment was due until the day it was due. Received notice that account was past due the day the payment was due. Paid total balance on that day. Barclays erased all my points because of a {$29.00} past due which they did not notify me about until it was too late. The card offered XXXX points after 90 days and {$500.00} in spending. I met both of those requirements and received the XXXX points plus all the other points I accumulated. When the payment was due but not received they wiped out all my points. They never sent me a statement.