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

Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX  meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX  and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX   and TSI remove all trade lines, negative collection amounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband,  XXXX   XXXX , and I had a joint bank account in  XXXX  with  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas. This account was overdrawn by {$290.00} and was never paid by my ex-husband, even though he was ordered to in our divorce.  XXXX   XXXX   XXXX   XXXX  then charged off this balance. I filed for divorce in  XXXX   XXXX  and it was finalized in   XXXX   XXXX  . In   XXXX   XXXX  , I filed for Chapter  XXXX  Bankruptcy and it was discharged in   XXXX   XXXX   This  XXXX   XXXX   XXXX   XXXX  account was included in my Chapter  XXXX  Bankruptcy and was discharged. I reviewed my credit reports soon after and noticed that Equifax was still reporting this account as an open charged off account. I have contacted Equifax many, many times about this and each time I dispute this item to have it reporting correctly as " Included in Chapter  XXXX  Bankruptcy '', they will not fix it because they say  XXXX   XXXX   XXXX   XXXX  is confirming that I still owe that debt and it is an open matter. I have sent numerous letters to the credit union and numerous emails and have never, ever received even  one  response. I even sent them the bankruptcy paperwork showing that their debt was discharged. They provided no correction to Equifax and no response to me. I want them to immediately either remove this listing completely from my credit report or update the listing as they are legally obligated to do. I am fully able and willing to obtain legal representation and pursue litigation if they continue to violate my rights and protections under bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. XXXX is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and XXXX
Product: Credit card

I received my Destiny Mastercard from Concora Credit and have faced significant issues with using the card. Despite having sufficient credit available, nearly every transaction I attempt is declined due to alleged fraud alerts. These declines have occurred for both small and modest transactions, rendering the card effectively unusable.

Each time a transaction is declined, I contact customer support. They inform me that a fraud alert has been triggered and instruct me to wait 24 hours before attempting to use the card again. Despite following these instructions, the same issue recurs with each attempt to use the card, even for low-value purchases. Support representatives claim that the fraud detection system is managed by Mastercard and can not be adjusted, which I believe is misleading. They also are unable to provide any information whatsoever as to what criteria determines the triggering of the fraud alert. 

Notably, my account has declined several transactions over {$20.00}, including a {$35.00} purchase at XXXX, while only approving smaller transactions under {$5.00} despite the fact that I had already shopped one time at XXXX for ~ {$17.00}. This inconsistency is perplexing and has caused significant inconvenience. I have attached a screenshot of my transaction history, highlighting these issues. 

Furthermore, the card carries a significant annual fee of {$120.00}, which was charged upfront. Due to the ongoing transaction issues, I have not been able to effectively use the card in the slightest, making this fee unjustifiable. 

I believe Concora Credit is not acting in good faith and is engaging in predatory practices by collecting fees without providing a usable service. I request a full refund of the annual fee, a review, and adjustment of the fraud detection settings, and a clear explanation of the criteria used for fraud alerts. I have searched XXXX, and it is quite clear this is not a problem isolated to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA.
Product: Mortgage

I XXXX XXXX was under a forbearance under my mortgage company Carrington Mortgage from XXXX to XXXX. It was then auto renewed automaticity without me knowing. Although I continued to make payments the forbearance was still reported on credit report. I am trying to now close on a home and because of the second forbearance being reported I can not close.
Product: Debt collection

I received a debt collection letter from Professional Finance Company , Inc. for a total amount of {$250.00} pertaining to medical charges they indicated were from XX/XX/XXXX. The original charge was indicated as being from XXXX XXXXXXXX XXXX XXXX 

My wife and I have made multiple attempts over the course of the past year to obtain a mailed copy of an itemized bill from XXXX XXXX as required by my XXXX XXXX prior to submitting any payment. On the most recent contact ( XX/XX/XXXX @ approx XXXX XXXX XXXX via telephone at XXXX ) to XXXX, I was advised that an itemized copy of the bill could not be provided and then hung up on by the representative to " assist other customers that she can actually help ''.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate and unverifiable information reported on my credit reports by XXXX, XXXX, and XXXX for my account with KOVO INC ( Account # : XXXX ). These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and require immediate attention.

Issues and Violations : 1. Inaccurate Payment History Reporting ( FCRA 611 ) : XXXX reports a Late 150 Days entry for XX/XX/year>2024, while XXXX and XXXX only report a Late 120 Days. This inconsistency suggests unverifiable reporting. 
2. Date of Last Activity Conflicts ( FCRA 609 ) : XXXX lists the Date of Last Activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and XXXX lists it as XX/XX/year>. These conflicting dates indicate a failure to ensure accurate and complete reporting.

3. Balance Discrepancies ( FCRA 623 ) : XXXX reports the account balance as {$0.00}, while XXXX and XXXX report {$60.00} owed. This disparity violates the requirement for consistency in credit reporting.

4. Failure to Verify Information ( FDCPA 807 ( 8 ) ) : Despite disputes submitted to the credit bureaus, no sufficient verification of the late payment entries has been provided, breaching the requirement for accurate and substantiated reporting.

My Rights Under Consumer Protection Laws : FCRA 611 ( Right to Dispute ) : Credit bureaus are required to investigate disputes and remove unverifiable information within 30 days.

FCRA 623 ( Accuracy of Information ) : Furnishers of information must ensure that the data reported to credit bureaus is accurate and not misleading.

FDCPA 807 ( 8 ) ( False or Misleading Representations ) : Creditors or debt collectors can not report unverifiable or incorrect information.

Requested Resolution : 1. Investigate and verify the accuracy of all information related to my account with KOVO INC .

2. Remove all unverifiable or inaccurate late payment entries, including the Late 150 Days entry on XXXX and any conflicting dates of activity. 
3. Ensure consistent and accurate reporting across XXXX, XXXX, and XXXX. 

I trust the CFPB will enforce compliance with these laws to ensure my consumer rights are upheld. I request a full investigation into this matter and a resolution within the statutory time frame.

Thank you for your time and attention. I look forward to your response and an update on the resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have stolen my identity and refinanced my home while I was under wage earner. The case numbers are XXXX which was discharged in XX/XX/XXXX. On XX/XX/XXXX, the loan I had with XXXX XXXX XXXX was refinanced, the new loan is with XXXX XXXX. The loan number is XXXX. IRS brought this to my attention while I was pulling transcripts. I paid XXXX XXXX XXXX off through payroll. Case number XXXX was discharged XXXX. I had no idea that loan had been refinanced, I did n't know that could be done while you 're under wage earner. I thought you were protected by law. That Was The second loan. I need property taxes from XXXX. The property parcel I 'd is XXXX.
Product: Checking or savings account

Bank of America allowed a person to enter a location in Michigan ( I live in Texas ) and allowed them to withdraw {$9500.00} from my account and gave the person a temporary debit card which allowed them to withdraw an additional {$1000.00} from my account. The bank did not utilize any secondary identification such as the password on the account or sending a text to my phone to verify my identity. I have spent now over 10 hours in a week trying to work with the horrible multiple departments to get money back in our account. There is on consumer advocate to deal with when the theft was due to the bank 's failure in policy.
Product: Credit card or prepaid card

We have been a Discover Card holder for over 10 years. Whenever I have paid the previous month 's balance off the following month I have never been charged a Finance Charge. Now Discover Card is trying to use some kind of " computer '' magic to say that the daily balance is assessed a finance charge on any unpaid balance over the term of the month. I have asked several times for this in writing w refusal. I called and they said they would not send to me. I have been online with their chat person and this person says they can not send to me the " computer figures it out. '' This is impossible, if I pay the statement balance off from the previous month. There should not be an interest charge. 
Also, today is the day they issued the statement and mysteriously my statement on their website is NOT available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX  credit summary. Please have this delinquency expeditiously removed from my XXXX, Experian, and XXXX credit report. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I send a XXXX payment of XXXX XXXX XXXX XXXX XXXX  to provide me a document and send to the XXXX XXXX XXXX XXXX XXXX. He send a false document to the XXXX and the XXXX rejected the document and ask produce a new one. He doesnt meet the delay. And do t want to give my money back. And the bank do t want to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXXXXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

Equifax Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Chr XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX fin XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is a violation of my rights. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX # 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, 15 U.S.C 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt.
Product: Money transfer, virtual currency, or money service

I can not link my bank account to the XXXX website to transfer money out of the account.
Product: Debt collection

The original debt was a medical deb I was insured by my father and was 18-19 years old and my father was paying my bills.The original amount was {$830.00} in XXXX. XXXX was called many times and they said they would pay the bill but never did. 

Ray Klein Inc. dba XXXX XXXX XXXX held the debt to accumulate interest, then got a judgment in XXXX. I was never notified of any action taken against me for this bill. In addition, I was under age so this claim could not be filed against me. 

These debt companies are not only engaging in illegal activities and unethical conduct.
Product: Checking or savings account

Between XXXX and XXXX I had a Account with Wells Fargo. I had problems with them over drafting, deposting money, taking my own money off my card and closing my account.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
IXXXX 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
Product: Mortgage

Hello, I submitted my mortgage twice after it being sold to a new provider, and it was rejected with funds in the account. I checked because I copy the routing and account number directly to not make mistakes, and they were correct. I resubmitted a third time with no changes and it processed. HomeLoanServ charged me two NSF fees. They have now sent me a letter stating my payment was late, and which will reflect on my credit, though they stated there would be no late fees when contacted, and they will not remove the NSF fees.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Creit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispurted information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finanial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disput outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items disputed items despite the evidence I provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.