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

I received a letter from Self Financial inc on XX/XX/2023 kinda explaining what they report as inaccurate information to the XXXX major credit bureaus. In the letter it says that they acknowledge that inaccurate and incomplete information is being reported by self financial on purpose after i have flagged their errors that are harming me by reporting false and misleading information about me. I have also asked for real documentation on this issue they refuse to furnish any document that can backup their claim. I have not heard back at all from Self financial Inc . Please help me? I pointed out the FCRA Law specifically.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681s-2 ( a ) ( ( 1 ) ( B ) ( i ) ( ii ) 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.

( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Product: Credit reporting or other personal consumer reports

The potential FCRA ( Fair Credit Reporting Act ) violations in this report include : 1. Accuracy of Information ( Section 623 ) : The report lists the Balance Updated date as XXXX XXXX XXXX and the status mentions past due information as of XXXX XXXX. Since this date is in the future, it raises concerns about reporting inaccurate or unverifiable information, which violates the requirement for timely and accurate reporting.

2. Account Status After Charge-Off : The account is marked as charged off with a balance of {$490.00} past due and a total of {$45000.00} written off. After an account is charged off, interest or fees should not accrue unless specifically allowed under the loan agreement and applicable state laws. Misrepresenting the post-charge-off balance or failing to verify it can constitute an FCRA violation.

3. Outdated Reporting ( Section 605 ) : Charged-off accounts must be reported for no longer than 7 years from the date of first delinquency. Although the report does not specify the delinquency date, it must be verified that this reporting adheres to the timeline.

4. Consumer Right to Dispute ( Section 611 ) : If you have disputed this account and the information was not corrected or verified within 30 days, this could violate your rights under the FCRA. 
XXXX. Incomplete Information : The Comments section is blank, which can be problematic if the creditor has received a dispute but failed to include proper notations. If the consumer disputes information, the creditor or credit bureau must update the record to reflect the dispute. 

This is in violation with FCRA and needs to be handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 EXPERIAN initiated a dispute in an account ( XXXX XXXX ) that is erroneously reporting on my consumer report. I, the consumer XXXX XXXX have disputed this account on multiple occasions. XX/XX/2022 XXXX, and XX/XX/2022. I have requested a copy of the investigation, in which EXPERIAN has failed to send. This account is inaccurate. It is reporting as a charge off, which is defined by the IRS as gross or ordinarily income. Income is to be excluded from the consumer report. This is a willful and negligent violation of the FCRA by reporting inaccurate info.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX, I made a domestic wire transfer from a business account held in XXXX XXXX  in XXXX, Texas in the amount of {$14000.00}, to an auctioneers business account held in Wells Fargo Bank. The beneficiary is located in XXXX, Texas. 
The transaction is in payment for goods I purchased from the XXXX Treasury auction. 
XXXX XXXX  completed the transaction, and the wire was received by Wells Fargo on XX/XX/2022 at XXXX hrs. The confirmation of the wire is FED XXXX Wells Fargo held the payment for three business day without justification ; thus, causing undue delay which caused, and is still causing me serious financial damage. The payment is still not released until the time of filing this complaint
Product: Credit reporting or other personal consumer reports

Twice in one month, I have had fraudulent inquiries on XXXX by JPMCB. I setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. XXXX is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.
Product: Credit reporting or other personal consumer reports

There are incorrect items on my report that are unfairly dragging down my scores and preventing me from getting the opportunities I deserve. Its incredibly frustrating to deal with the impact of someone elses mistakes.
Product: Mortgage

I paid down my HELOC and obtained a payoff letter good through XX/XX/21. While in possession of the payoff letter I noticed that some payoff letter fees and an annual fee were charged. The payoff letter fees were waived and the CSR indicated that the annual fee would be waived if I signed the payoff and close letter and returned it by XX/XX/21. Therefore, I signed the payoff and close letter and emailed the executed copy to XXXX, as I was instructed to do so in the letter. On XX/XX/21, I called to confirm that the letter was received and the mortgage was in the process of being discharged ; however, the CSR advised that there was no record of receiving that letter and that the annual fee is still outstanding. On XX/XX/21, at the CSR 's direction, I forwarded the executed payoff letter to XXXX and XXXX. I would like for my loan to be discharged and any outstanding fees to be waived as promised.
Product: Debt collection

I recently received a notice about a debt from XXXX the phone company. After doing research, I decided to call XXXX to figure out why I received that debt notice. As of XX/XX/year>, I was no longer with XXXX and switched providers. During a call with XXXX they told me that not only was I charged a final bill, but also late charges were filed for the months after I switched providers. So now I owe my final bill plus Late charges when I never shouldve been charged late fees because I was already with my other provider. I never received the final bill from XXXX stating that I had a outstanding amount due. They say they sent it to my address but when they relayed the address to me, it was an old address. I havent lived there in years. So not only was I not aware but now theres a possibility for some type of fraud to happen because they sent my info to the wrong address. I already had a fraud situation with XXXX before because I was a part of the nationwide breach. I am filing this complaint because I believe my final bill to XXXX shouldve been only my monthly charges. It is unfair and undressed for me to get charged late fees by a company that I was no longer involved with. This complaint will be filed also to ensure that my final charges be corrected.
Product: Debt collection

Its not an old debt but nothing matched what happened. 
I took out a loan from One Main Financial in early XXXX and they talked me into buying the disability insurance in case something happened and I couldnt pay the bill. 
Well I ended up having XXXX on my hip and I had XXXX on the other hip in XXXX. So I had been having a terrible time walking and thats what I do on my job. I had to take time off work and go to XXXX XXXX and I had some complications which set me back too. 
I wrote and I called one main to let them know and I ask about using the XXXX insurance because I couldnt pay my bill. 
They never would help me to get the XXXX insurance and I was very XXXX 
They would call me constantly but would never help me so they could get their money. 
In XXXX they decided to take me to court and the first court date the attorney and I were on the phone with the judge and the judge said he would like us to settle this and not come to court and we all agreed. 
I tried to speak to the attorney and come to some agreement and they would not answer. They never contacted me with any kind of agreement either. 
We ended up in court and the attorney said I never had XXXX insurance and they refused to settle with me. They wanted all their money now. Which they know I do not have. The judge then asking I could prove I had the XXXX insurance and I said I would find it. Then the judge said if I show proof that I had the insurance then the case would be settled and the attorney said yes. 
I was so happy because I knew I had proof. We went back to court again with the proof and I had to give their attorney the proof and then their attorney said well why didnt I get the XXXX insurance and I said I tried but one main would not help me to know what to do or who to start a claim with. Their attorney said thats not their problem and now of course its too late to try to file anything and they still never told me who to contact. 
We have to go back to court next month but I do not feel I should have to go there again for a trial when one main clearly lied this whole time.
Product: Debt collection

This morning at XX/XX/2022 at XXXX MST I was contacted by midland credit management. The last contact noted for them to contact via mail using the address they already have on file including further detail on original balance of debt one debt 3 years ago. They since then acquired 2 additional credit card debts while I was between settlement vs bankruptcy.I recently spoke to the attorney garnishing my wages noting Ill call once the final payment is resolve and since then they have started to call again and they are well aware of the time zone and address as I was served by an west coast law firm. As of 2 days ago I am a part of the national debt relief plan to settle the remaining accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

EdFinancial just got this account from XXXX XXXX. Apparently prior to signing the contract with the Dept. of Ed, they were unaware of the outstanding class action law suit filed against the Borrower Defense division, which the Judge on the case ruled in favor of the Plaintiffs on the final settlement. See all attached. Per the courts this loan never existed constituting it needs to be completely removed from my credit report with XXXX.
Product: Credit card or prepaid card

XXXX has charged my card for services that I am not able to access. I have tried to get a hold of them but due to no phone number, was unable to get into contact with them. I have put a stop on my credit card but XXXX is taking my money fraudulently and I want my money back for XXXX and XX/XX/2022.
Product: Bank account or service

Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help
Product: Debt collection

Radius Global Solutions contacted me initially XX/XX/XXXX ( which they now deny because I sent a letter disputing the debt ) saying I owed for my XXXX XXXX XXXX XXXX daughter 's XXXX XXXX visit in XXXX, XXXX. They kept insisting I lived somewhere I never lived and I was told I could dispute the bill which I sent a letter via USPS, Never heard a word for almost 11 months. 

I was contacted again by a woman who asked for me by my married name ( I took my maiden name XXXX years ago when got divorced and provided my decree to Radius just to prove who I was ) and the lady again insisted I lived at the address she was providing -- I haven't lived in the town she said for over XXXX years. She was proceeded to tell me about the bill & I told her it wasn't mine and I am not who she said I was, that was not my last name legally. My daughter is a competent adult & had insurance through her employer. I was not there when she went to the XXXX XXXX. She gets a supervisor. The supervisor tells me I can dispute the bill after I explain the situation. I sent an email to him  with the documentation & saying I was disputing the bill and the letter I sent on XX/XX/XXXX. XXXX. I called the XXXX  on XXXX ( this happened the day after XXXX late in the afternoon ) and they said not to worry about it and they had a hard time finding it. 

Today I called Radius to see if it had been resolved and the supervisor told me the hospital said I was still liable for it. I replied I may need to get an attorney involved. He wanted to know who the attorney was & I said I don't have one yet. I called the hospital and the lady in billing can't find a bill connected to me with my daughter & she doesn't understand how I am even connected to a bill when my daughter is a competent adult with private health insurance through her employer. The XXXX has to be careful with HIPA.

I called the agency back to speak with the supervisor to ask for a bill and he tells me he can't discuss the account with me since I mentioned an attorney. He told me he knew all about HIPA laws and that if I emailed the dispute department I could receive a copy of the bill. Close to three hours later, no bill no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/ 2 ) XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX, XXXX - Date Filed :XX/XX/XXXX 4 ) XXXX XXXX - Date Filed : XX/XX/
Product: Mortgage

In late XXXX 2020 I applied to Quicken Loans to refinance my home. After the formal application was made and I complied with all documentation requests, I was pre-approved for the mortgage. In early XXXX, about ten weeks after my application was first processed, I was told that my loan application was denied and that I would not qualify for a loan, because I did not meet XXXX XXXX qualification criteria. 

At issue : I hold more than 25 % of the stock in an independent C-Corporation, and that corporation has a negative balance sheet. Quicken Loans is suggesting that having stock in an independent C-Corp with debt is somehow a financial liability to me, which is not the case. That stock is actually a tremendous asset, based on a recent company valuation. For the record, I'm not trying to use that asset in any way to qualify for the loan. 

I have contacted XXXX XXXX and researched their guidelines, and do not see any guidelines that Quicken Loans could be enforcing, but I'm not a lending expert and I can't say for sure that such a guideline doesn't exist. I believe that either XXXX XXXX, or more likely, Quicken Loans is engaging in an unfair business practice that is unjustified, inappropriate, makes no sense, and discriminates against consumers like myself. I spoke at length with several Quicken representatives and ended up speaking to XXXX XXXX, Need Resolution Advocate ( XXXX ). XXXX, like his colleagues, could not explain any rationale for the criterion that they used to disqualify my application other than it was based on either an internal interpretation of XXXX XXXX guidelines, the XXXX XXXX guideline itself, or both. 

I believe either Quicken Loans is misrepresenting the XXXX XXXX guidelines and employing unfair lending practices, or the XXXX XXXX guidelines are inappropriate and unfair to consumers. Either way, I have been harmed by this unfair business practice and I believe other consumers will be or have been harmed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. XXXX
Product: Credit reporting or other personal consumer reports

Capital one is reporting an inaccurate balance amount. I disputed it and it cans back verified. I called XXXX XXXX to report that the amount is inaccurate. I was told by the original representative and then again by her manager XXXX XXXX XXXX XXXX ) that I couldnt dispute again. I was also told that XXXX XXXX XXXX XXXX account was accurate although it isnt. I advised that they were violating my consumer rights but XXXX disconnected the call in my face I advised before that it was illegal for XXXXXXXX XXXX to post inaccurate unverified information.
Product: Credit reporting or other personal consumer reports

there was XXXX XXXX credit card fraudulently taken out using my information XX/XX/XXXX for the amount of {$450.00} i have filed ftc report and have contacted police .on XX/XX/XXXX there was an fraudulent account taken out with my personal information by credit XXXX bank for {$1900.00}. on XX/XX/XXXX there was a reflex Celtic bank card fraudulently taking out with my personal information for thew amount of $ XXXX XX/XX/XXXX there was a fraudulent account for the amount of {$460.00} with the XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX XXXX  for the amount of {$1100.00}. on XX/XX/XXXX there was a fraudulent account taken out with my personal information with rewards network for the amount of {$36000.00}. on XX/XX/XXXX there was a fraudulent account opened with my personal information by true accord for the amount of {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion to dispute inquiries on my credit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XXXX XX/XX/XXXX Duplicate inquiries within 30 days! 
XXXX XXXX  XX/XX/XXXX XXXX inquiries within 30 days! 
XXXX  XXXX. XX/XX/XXXX. home purchase inquiry which i didnt purchase a home XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX  XXXX. XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. I have enclosed copies of the section of the FCRA document that XXXX  has willingfully violated to have these inaccurate inquiries appear on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Experian asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to XXXX, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019 I wrote the same letters as above to XXXX   and they never responded, see attached letters written to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, 15 USC 6802, a financial institution is NOT allowed to share my personal information to third party people. These are clear violations of my federal protected consumer rights. Here are a list of inquiries along with the inquiry dates, just to make things easier for you. As you can see, there is no way I would authorize an inquiry to the same account so many times. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Debt collection

I lived at XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX- I had a water bill {$220.00}. I then moved to XXXX XXXX, before I could sign the lease I had to pay {$220.00} to the office which I did by Money Order At this same time XXXX XXXX XXXX XXXX said they were switching computer systems & would apply the {$220.00} to XXXX XXXX when system were converted. At this time the company sold to XXXX XXXX. When my lease was up at # XXXX XXXX XXXX 2 months later I received a letter from XXXX XXXX XXXX stating I owed {$500.00} this is also fees. I explained the above. I called the XXXX Department to the Apartments XXXX stated they did not transfer all the payments during the computer conversion, and couldn't tell if I paid or not, this is an ongoing error not on my part. I explained how was I able to sign a new lease plus moved to another apartment # XXXX if I did not pay the balance? This is a malfunction on their end not mine! XX/XX/XXXX XXXX place XXXX on my Credit Bureau Report I was XXXX XXXX points off my score. On XXXX XXXX XXXX reported again stating payment as of XX/XX/XXXX had not be paid, I was doing another XXXX points for the SAME DEROGATORY DEBT. This is so extremely unfair to me as a consumer, I truly paid the water bill and it is the failure of the Apartments to not apply correctly plus loose data due to switching XXXX XXXX XXXX XXXX XXXX systems. I want this removed from my credit report, it is false, and I want my score points back for both Derogatory Information.