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

I appreciate your time to REMOVE some of the negative items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. If you choose to not remove the following items listed below which are reporting inaccurately due to incorrect credit report information, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit information & were opened without my consent or knowledge : Experian : 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 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 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 If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Term 24 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that i had some inquiries that i didn't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was experiencing a hardship. I call Comenity/XXXX  and made them aware and asked them what was it that I can do to save my account. They then put me on a program where I would pay a lower amount but I would still make my payments. As long as I made my payments one time they recorded it every month, but they reported to the credit bureaus that I never made a payment for 10 consecutive months when they sent me a letter stating that I fulfilled the program successfully. They refuse to update my report to show that I made my payment on time and for this my credit is being affected.
Product: Mortgage

In late XXXX/early XXXX of this year ( 2023 ) my husband and I made a request to have PMI removed from our mortgage. It was followed with a denied request in the mail and we followed up with Lakeview XXXX to askabout our options for a BPO or appraisal. We have asked if we could have a third party complete either of these on our own since we have been yelled at and treated poorly by employees of the Lakeview XXXX and no longer trusted the company to hire a nonbiased party that would only offer fact over the company 's best interest. The company has stated that policy within Lakeview XXXX states that we must have either the BPO or appraisal completed through their company and paid to them for the third party service. We made a formal request for the written policy and date of initial policy being enforced. On XX/XX/2023 the representative started the formal request to have the written and enforcement dated policy sent through the mail to our listed address. We have yet to receive proof of said policy nor have we been treated as valued customers through the employees of the company.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that l had two late payments on an account that I was never late for Consumer Reporting Agencies have assumeda vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Ihave never been late on payments for the account XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can t be provided I demand these payments be updated to on time as they should be as l was NEVER late. Thanks.
Product: Mortgage

Wells Fargo is reporting a recent late payment when we were not late. We made the payment over the phone before the due date, got confirmation of the payment as well. 
They are the ones who made the mistake and they have promised me it would be fixed and they have not fixed it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX : XXXX XXXX NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an unverified account from XXXX XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. 

XXXX XXXX XXXX, XXXX has reported a collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency,  and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX, XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothersome! The Credit Bureaus have kept reporting the fraudulent information on my Credit Report without properly verifying the disputed accounts and information. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted du to identity theft. I have been submitting multiple dispute letters attached with my complete identifying documents as well as the Identity Theft report I received from the FTC. The items I am disputing does not relate to any transactions that I have made or authorized, neither did I allow anyone to use my information to do transactions on my behalf. I am submitting this CFPB Complaint to request that the Credit Reporting Agencies remove the disputed items completely from my Credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balanced Owed : {$660.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. The Credit Reporting Agencies have failed to provide me copies of proof of verification or any documents bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Response to Complaint # XXXX. TRANSUNION IS straight lying and committing fraud. THEY ARE NOT DOING ANY REINVESTIGATING. SO WHO, I ASK WHO? IS VERIFYING THIS PUBLIC RECORD AS ACCURATE? WHOEVER THAT COMPANY IS NEEDS TO BE LISTED ON MY CONSUMER REPORT. I ATTACHED DOCUMENTATION THAT TRANSUNION OBVIOUSLY IS NOT READING BECAUSE YOU WILL SEE THAT THE ONLY ENTITIES LISTED ON MY CREDIT REPORT IN THE PUBLIC RECORDS SECTION SUBMITTED DOCUMENTS STATING THAT THE INFORMATION IS UNVERIFIABLE AND AND WAS DELETED OUT OF THEIR SYSTEMS. SO IF THIS RECORD IS BEING VERIFIED AS ACCURATE WHO IS DURING THE VERIFYING BECAUSE IT IS NOT ANY OF THE FURNISHERS LISTED ON MY CONSUMER REPORT. " After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Trans Unions business partner XXXX  to TRANS UNION as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX  XXXX Bankruptcy # XXXX filing. 
I declared and stated to Trans Union there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to TRANS UNION by their business partner XXXX  who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Trans Union or their partner XXXX  obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it.

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Trans Unions Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLATION OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 ) ''
Product: Mortgage

We put a contract on a house XX/XX/XXXX. We were preapproved for a VA loan through Carrington Mortgage. From that date until XX/XX/XXXX, we went through all the steps required of a VA loan, including putting our current house on the market XX/XX/XXXX. The seller was also required to give notice for their tenant to vacate, and was forced to go through eviction proceedings, again because of VA requirements. Delays caused by eviction, which was only necessary for a VA loan, delayed our closing multiple times. 

Finally the loan went to underwriting and on XX/XX/XXXX we received a closing disclosure that showed what we would need to close with the VA, which was nearly $ 30K. Our loan officer told us that it was a mistake and we would get a correction. XX/XX/XXXX, nearly two weeks later, Carrington Mortgage notified us that we didn't qualify for a VA loan, and in fact never had qualified since the very beginning of this process. The reason we didn't qualify is because of a formula they should have used at the very beginning. When we contacted XXXX to ask about this, they knew this formula from the very first phone call, without seeing any details of our file. Our loan officer had become aware of this mistake on XX/XX/XXXX and tried to hide it/argue with the VA about it, when it was a formula he should have been aware of and was not subject to negotiation. This is GROSS NEGLIGENCE on the part of Carrington, and in fact neither or loan officer nor his boss was aware of of the formula even though it is clearly provided by the VA. They sent me a copy of the examples provided by the VA. 

On XX/XX/XXXX we were told that we had a week to come up with a 3 % down payment, and our only option in that short amount of time was an IRA loan. Then Carrington continued to make mistakes that further delayed closing and increased our closing costs/down payment. We found out our final down payment amount, which was {$2000.00} more than what we were told on XX/XX/XXXX, and we did not close until XX/XX/XXXX. Our original closing date had been XX/XX/XXXX, and we could have closed then with a conventional loan. Also, all these delays, again 100 % due to the loan officer 's lack of education on the product, caused them to restart our file, and in the process they have placed 2 hard inquiries on our credit. 

Because Carrington went on to cause 10 more weeks of delays after we were forced to list our house on XX/XX/XXXX, we now have a stagnant listing and have been forced to drop the price more than {$11000.00} even though nothing is wrong with the house. Had the house sold when we listed it, we would have incurred thousands of dollars in costs for housing before we could close. Carrington Mortgage should not be allowed to process VA loans when their loan officers are clearly not educated in the requirements and qualifications.
Product: Money transfer, virtual currency, or money service

Hi, I am a victim of internet scam and I needed help and need you to tell Venmo to step in. 

XXXX ) I went to the XXXX marketplace to buy a washer and dryer on Saturday XX/XX/XXXX. 
XXXX ) Once I sent it to their Venmo {$260.00}, they said it was a mistake and asked us to send again. I disputed this with Venmo. 
Days after the money was sent, they shut down their account and never replied.
Product: Checking or savings account

CFPB recently closed the complaint I had made Chime is very A fraudulent business. Their were two purchases that I dispute with them Im aware I know there still working on one with my checking account but I dispute one with the credit card I have with them as well. Their trying to play crazy now I know Im dealing with scammers. They always say no errors occurred you can go to the XXXX  and see. They dont do any investigation there liars Ill leave a photo of the dispute they denied I made all the dates will be provided. I dont understand how there stil in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a record of them receiving the requests with no response since.
Product: Credit reporting or other personal consumer reports

Following my recent review of my credit report, I have identified more inaccuracies that need immediate investigation and correction. Below are the specific disputes : XXXX. Account : [ XXXX ] ( Account # XXXX ) ** This account is listed as Collection/Charge-off with a derogatory status.

Charge-offs : As per 15 U.S. Code 1601, creditors are required to provide all disclosures under the Truth in Lending Act, which were not provided in this instance.

The payment history shown does not accurately reflect the reported balances or activity, which constitutes a violation of accurate reporting under 15 U.S. Code 1681e ( b ). 

XXXX. Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) This account appears as a Collection/Charge-off but lacks sufficient documentation to substantiate the debt.

Collections : Under 15 U.S. Code 1692 ( c ), I did not consent to communication or debt collection activities by this agency. Without my explicit consent, this listing is invalid.

The comments section indicates a dispute that remains unresolved, yet it still reports derogatory status inaccurately. 

XXXX. Account : [ XXXX ] ( Account # XXXX ) ** The reported status as Collection/Charge-off includes a balance of {$21000.00}, but the comments show unresolved disputes.

Disputes : As per 15 U.S. Code 1666 ( b ), a billing error or dispute must be properly investigated and resolved, which was not the case here.

The payment history indicates inaccuracies that are not supported by sufficient documentation or evidence. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) ** This account reports Collection/Charge-off and an unpaid balance of {$88000.00}.

Charge-offs : According to 15 U.S. Code 1601, creditors must adhere to disclosure requirements under the Truth in Lending Act. Without full compliance, this reporting is inaccurate.

Additionally, the payment history shows derogatory marks that do not align with factual payment records.

Requested Action : I request the immediate investigation and correction of the listed inaccuracies. Specifically, I ask that you : 1. Verify all reported balances and payment histories with sufficient documentation.

2. Remove all inaccurate, unverifiable, or incomplete information from my credit report in compliance with 15 U.S. Code 1681i.

3. Provide a detailed written response within 30 days of receipt of this letter.

Attached are copies of my credit report highlighting the disputed entries, as well as additional documentation to support my claims. Failure to resolve these issues promptly may result in further action under applicable consumer protection laws.

Thank you for your immediate attention to these matters. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.